davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (IL)

There is always money deposited to cover funds that are withdrawn on the day it is paid. There are many branches nearby that are closed and it is inconvenient to make a deposit without a bank nearby so I have to drive far to head to a grocery store that has a TCF Bank ATM deposit machine. I deposit cash and it still says pending and I am being charged outrageous fees. 

XX/XX/19 {$37.00} XX/XX/19 {$74.00} XX/XX/19 {$37.00} XX/XX/19 {$37.00} XX/XX/19 {$37.00}
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sequium Asset Solutions, LLC (PA)

Back in XXXX of 2019, somebody opened up a XXXX account fraudulently in my name. XXXX even sent me an email declaring it to be fraud. However, I have received two separate letters from two debt collection agencies, and now I just lost 200 POINTS ON MY CREDIT SCORE! XXXX is harassing me to the point of undue stress, I would like them to stop. It was almost impossible to navigate their terrible " customer service '' departments to get an email declaring the account fraudulent in writing. I want monetary compensation from them for this harassment, as well as the debt deleted from my credit report, and I never want to receive anything else from XXXX.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC (TX)

I have used the ZELLE services through my bank without a problem in the past but lateley is like ZELLE makes is a point now to delay funds to placed them in what they called " limbo '' supposedley for processing, but the company is putting that money on an account to earned interest overnight if not longer days in the interbanking lending process. On or about XX/XX/XXXX I was send money by a relative using my mobiel number, on or about XX/XX/XXXX I learned from my Bank XXXX that ZELLE had derigestered my mobile number, I was told by ZELLE representative name XXXX on XX/XX/XXXX that since I was not able to accept and or see the code ZELLE would send me thogurgh my cell because ask my carrier to i block junk text from my phone and that included all text from unregistered contact, I needed to register my email address and the money would be send immediately to me as if it was my mobile number ; the same representative asked me to asked my representative to cancelled the first transaction which it was done through my mobile phone. At this point the only transaction left was the one send via email. After my relative cancelled the mobile transaction she proceeded to send the money via email wich according to XXXX from ZELLE the money would get to my bank account with XXXX immediately but that has not been the case. I am now told that the process would take 7 to 5 business days instead. I have look into the ZELLE marketing and has come the the proof that ZELLE provided false and missleading information both on paper, the internet and orally. I now have to wait several days to collect that money. ZELLE does not alowed to deregister email address at the customer request according to Mr. XXXX telling that I am out of luck and I was in need of that money for a medical emergency.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to Experian, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

XXXX  XXXX  sent me an email that it looked like my personal data had been compromised. I reviewed everything and there was several unknown inquiries and accounts that I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX  XXXX XXXX  XXXX  XXXX {$600.00} DEPT OF ED/XXXX   XXXX {$69000.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2019 my score dropped 63 points due to an error with XXXX XXXX  XXXX. They contacted bureaus and reported on time but did not raise my score back up the 63 points they took away
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I was denied credit based on a TransUnion ( TU ) credit report notation indicating that I had paid an account late. I requested an investigation to dispute the notation on XX/XX/XXXX. I contacted TU on XX/XX/XXXX which was 30 days since the dispute. TU had not made a determination within 30 days. TU finally removed the notation on XX/XX/XXXX. I contacted TU to request an updated copy of my credit report and was denied. 

TU offered to provide my credit report if I paid for a service. I said no, I am entitled to a full report after a dispute has been settled and removed. TU also makes this matter difficult as they have my address listed as XXXX rather than XXXX XXXX XXXX for ZIP code XXXX. TU also directed me to other compartments, Disputes telling me I can get my report from Online, Online telling me to get my report from Disputes. 

I simply requested a copy of my report and was denied. 
I requested access to my online account to view my report, and was denied unless I paid a fee. 
I requested that TU contact creditors who received my previous report with errors and provide them with an updated report, and was denied. 
I requested that TU update their system to having my address as XXXX instead of XXXX XXXX XXXX, and was denied.
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Applied Business Services, Inc. (SC)

Security Collection Agency is trying to collect a debt of {$100.00} that has been paid. This was covered by insurance and I have confirmed with the original creditor no balance was owed. I have disputed this several times and they did delete this account from XXXX, but not from my XXXX credit report. This is a false claim and it is damaging my credit and I want it to be removed from ALL credit bureaus.
Consumer complaint received 2021-04-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

When I applied for student loans years ago, Navient pushed me into private student loans instead of federal loans, despite me not having any federal loans. I currently have a balance around XXXX, my monthly payment is over XXXX dollars, but only around XXXX of it goes to principal and the rest is interest. Ive never made over XXXX dollar a year yet my payment is never reduced, they only offered that I can pay interest only, which is over XXXX dollars a month, and removes no principal. It has been over 10 years since Ive started paying my loan, have paid over the balance of what my loan was, and yet my balance has barely dropped due to high interest. I have requested to possibly refinance my loan, or some kind of remediation due to the amount paid against what was owed, and Navient has refused to work with my, only offering me to pay just my interest each month, which as I said is still very high and does nothing to reduce my debt, its essentially giving money away. I have paid more than my initial loan amount and have expressed financial difficulty, yet Navient refuses to assist. It should be noted that had they given me federal loans as they should have when I applied, this would not be an issue.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-03-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

On XX/XX/2024 I was trying to buy a new vehicle. When the copy of my credit report was provided to me by the sales XXXX, a debt collection agency JEFFERSON CAPITAL SY, for {$9000.00} account popped my attention. This account is not mine, never existed or opened on my name and not even present on my credit record. I went ahead and filed a dispute through XXXX, the collection agency itself and the XXXX XXXX XXXX XXXX XXXX Police Department ( case report number XXXX ).
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX, I purchased tickets for a concert on XX/XX/XXXX and XXXX using Synchrony Bank via PayPal Credit. Due to the pandemic, the concert was cancelled, and refunds offered. In fact, 6 other concerts for the same band and tour that I purchased through XXXX were refunded. 

I then filed a claim with Synchrony Bank for having not received any tickets, and the merchant letting me know they would not be sent, however they will be offering refunds because the event was cancelled, or account credit for a larger amount than the purchase price. This policy quickly changed, and the offer now is to go to a concert over a year later than originally purchased, or sell the tickets on XXXX, pay fees with the earliest possible date of receiving payment XX/XX/XXXX. 

I filed a claim in XXXX, XXXX, and on XX/XX/XXXX I received a letter from Synchrony/PayPal letting me know they were investigating, and in the meantime they have credited my account during the investigation. 

The amount to be refunded was {$1100.00} ( plus accrued interest ) What happened next was bizarre, I received a letter directly from PayPal stating that they are aware I filed a claim with Synchrony, as such they can not do anything and I should contact Synchrony directly. 

I had done this in XX/XX/XXXX, contact Synchrony directly, and filed the claim. So this is basically going in circles. I have spoken to all three parties ( Synchrony Financial, PayPal and XXXX XXXX  ) 3-4 times apiece, with the common response that my issue isn't there's to resolve, meaning PayPal would say contact Synchrony, Synchrony would say contact PayPal and XXXX XXXX  and so on. Please see attached documentation. I was harmed as a result of both PayPal and Synchrony Financials actions and seek relief.
Consumer complaint received 2020-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I contacted NewRez, LLC, about obtaining a temporary deferment of my mortgage payments. I was told by the gentleman I talked to that my FHA loan with their company did not qualify. According to the FCPB website, it does- " You are entitled to mortgage forbearance if you have a federally or GSE-backed mortgage and you are experiencing financial hardship due, directly or indirectly, to the coronavirus national emergency. '' They have no knowledge of what I am experiencing because they didn't ask any questions to see if I do qualify under the FCPB guidelines. It is one thing to deny me based on my circumstances and another to just ignore the request. I mentioned that my loan does in fact qualify but that fell on death ears. I also mentioned that according to your website repayment of the deferred amount can be done in 3 ways. One of which the total amount can be added to the end of the loan. The gentleman I talked to said he could not answer that until I was in a forbearance situation. He indicated that most likely, the amount due would be due and payable once the deferment period is over. If a person is struggling now, how do they expect repayment after the deferment period? In my opinion, NewRez is only concerned about their interests and they want their money immediately. This does not help is this situation. If this is the way they conduct business, heaven help those who participated in their program because they stand a chance of loosing their home for non payment or at least have their credit ruined forcing them to stay with NewRez. 
( At the bottom of the mortgage statement it indicates that temporary assistance may be available. )
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This account below is paid in full but showing a balance. 

XXXX XXXX Last reported : XXXX XXXX, XXXX - {$39000.00} Good EDUCATIONAL XXXX Last reported : XXXX XXXX, XXXX - {$52000.00} Good
Consumer complaint received 2021-04-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: EVERBANK, NATIONAL ASSOCIATION (AZ)

IRA Requested transfer rollover From TIAA to XXXX. Advised of CD Maturity XX/XX/2021 Process initiated XXXX, XXXX. Within 10 day grace period. Tranfer forms by USPS, FAX and XXXX  XXXX. 
I am dealing with XXXX initially spoke with multiple Client specialist with little information. 15 plus calls to TIAA. Average call duration 45 mins. Multiple holds for greater than 15 mins. 
Others at TIAA ; XXXX XXXX, XXXX XXXX and XXXX XXXX. 
-No holding money market or cash account available at TIAA for mature CD for IRA 's according to Client specialist by phone. 
-TIAA Rolled over my IRA into an extended 42 month CD against my wishes. 
-Initial email from TIAA requesting XXXX signature not received. My requested copy of email sent on XX/XX/2021. This delayed processing. 
-Inconsistent information. Always " no penalty if transfer/rollover process began within 10 after IRA/CD maturity. 
-Now penalties imposed going back pre-renewal of Bank imposed CD renewal. 
I should not have penalty fees after interest earned was credited to the Original EverBank 42 Month Bump Rate CD. I did not want the New TIAA bank to extend the CD another 42 months. They forced the renewal due to the lack af a cash/money-market account for IRA/CD 's at maturity.
Consumer complaint received 2021-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (SC)

Amsher Collections reported a new collection to my credit report in XX/XX/XXXX for XXXX XXXX. They stated that the collection was opened on XXXX XXXX. This is incorrect and they have re-aged the debt. It was originally reported as opened in XX/XX/XXXX.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc. (PA)

On XX/XX/19 I received a phone call from a representative regarding a debt with XXXX. She asked my name, I then asked who was calling. She refused to identify herself by name, which by law, she must do regardless. In fact, that is the ONE thing a collections representative must do as well as notify the consumer that the call is being recorded. I am very well aware of collection call laws, considering my wife does XXXX XXXX and XXXX for a XXXX XXXX XXXX.

My wife placed an anonymous call to the company to request what type of  company this was and they refused to ID themselves as a collection agency. No specific information was requested regarding any account or other information, simply asking the company type which they failed to do. The representative then hung up on her for no reason - she was not raising her voice, threatening or cursing at the representative in anyway. She herself called on a recorded line and can provide this information to a lawyer. 

This company needs to be looked into regarding their collection practices. 
I am well aware without giving proper consumer verification they can not provide specific debt information, but when asked their representative name, their company name and the type of company they are, they need to provide that information. That information is not sensitive and does not violate any law. 

The debt in question is valid, that is not the issue. The issue is their choice of collection practices. It is borderline harassment - hanging up and refusing identification of themselves violates FDCPA laws. If I receive any further calls from this agency I will go to a lawyer.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (CA)

I have an existing open mortgage in Good Standing with NewRez / Shellpoint Mortgage company. NewRez / Shellpoint Mortgage company is not reporting my mortgage information to XXXX or XXXX credit reporting agencies. 

I have been trying for over 1 year to get them to report it. XXXX and XXXX both say they are not getting my mortgage information from NewRez / Shellpoint Mortgage. The problem is impacting my credit score at both XXXX and XXXX because neither company shows I have a mortgage. 

Current Principal Balance {$420000.00} Regular Monthly Payment {$3600.00} Next Payment : XX/XX/2023 https : //signin.shellpointmtg.com/signin/myaccount
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (TX)

These accounts were sold. According to my findings, I am no longer liable for the supposed debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!