davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
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: SUNTRUST BANKS, INC. (FL)

In XX/XX/XXXX during the economic downturn, I had a vehicle repossessed by my lender for no apparent reason.  I recovered the vehicle from the bank 2 days later.  A few years after this incident, I decided to pay off the vehicle to save on interest.  For many years the negative credit rating of late payments and the repossession made it hard for me to obtain preferable rates and new loans.  After 7 long years of suffering, the account finally switched over to a positive status.  Nevertheless, the lender {SunTrust Bank} decided to add negative comments to my now positive account stating, “redeem repossession.”  I’ve explained this issue to SunTrust and all three credit agencies on SEVERAL occasions.  However, each entity continues to “yes, yes, yes, I understand” but no changes are being made.  An account can only be negative or positive—it shouldn’t be listed as positive yet have negative comments below it.  There is no middle ground.  I’ve been denied loans and credit card increases do to the negative remarks that continues to display on my reports.  I have disputed this matter many times over, nonetheless, SunTrust continues to abuse their powers without any regard on how this issue is affecting me, my family and my business ability to prosper.  I’ve been told this account status is schedule to remain on my credit report until XX/XX/XXXX.  With that being said—there’s no way any negative reporting including bankruptcies should follow a person for 13 years.  A consumer reporting agency cannot report negative information that is more than seven years old.  The stress and sleepless night have gone on long enough
Consumer complaint received 2019-01-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (IL)

Discover loans have been sending me letters for me to apply for a loan different loans. 
I than tought of accepting a loan and apply as tjeybbeen sending me lentes that Im pre approve which are nothing but lies and I found out after 2 or 3 days after. When I apply first they sent me a notification that I was qualified for XXXX as I check my rate without having to harm my credit score and everything was going so well and mostly would approved me. 
They ask me to submit a document which was a utility bill I sent a XXXX  electricity bill to them and it was verified and accepted so far so good everything was going right and well today i spoke to a guy and said to call them so they can finalize my loan and get ready to go than he ask me to call since he could not do that thhru a chat live online. 
So I called and ask to speak XXXX because I speak more XXXX than English. But the representative said everything was going well and that they needed to proceed and pass the information to someone higher than a representative so they did as I mention them I wanted to know the answer because they have taken sweet time and I had other lenders who were offering me other loans as well but since I am A member of discover and have a fantastic relationship with them and have a excellent credit score and credit history they denied me the loan for no reasons I believe they have discriminated me and denied my opportunity to get the loan of XXXX why would they accept me first and than denied me st the end. Wen everything was almost done and verified. 
That is an insult and I have great and excellent credit my credit is XXXX or XXXX with others credit bureaus. I am very sad and disappointed at discover and will never ever ask them for a loan and will make sure they dont play with peoples feeling and making them think they got approved while they denied you at the end for no reasons.they always say a different story regardless.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (PA)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (GA)

One of my checks was intercepted in the mail and partially washed and passed off at XXXX XXXX XXXX for {$11000.00} and cashed. I discovered the problem XX/XX/XXXX. I Moved most of the money out of the account into a new account and I have been waiting ever since for my financial institution to make it right. I have probably called 20 times to the institution to try to get an update and they just tell me its under investigation and refused to give me any more information. XXXX XXXX XXXX  knows who committed the crime, when they did it, where they did it, and what the amount was. My bank is SunTrust and has given me very very little customer service. The firstPhone call they made to me was over 40 days after the incident
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

this was repeated more then once I had to contact the police department because I was not the person that used my identity doing that time ..one of the rooms of my must been using my identity I not sure... 

I am writing to ask for the following be deleted in my file that is listed I am victim of identity theft and did not make the change .I ask that the times be deleted tp correct my credit report the theft of the my identity to federal trade commission and I also have enclosed copies of federal trade commission identity theft affidavit .please deleted the items soon
Consumer complaint received 2022-08-09
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. (MI)

I appreciate the effort done by the Credit Bureaus to remove some of the disputed accounts from my Credit report, but I still have remaining accounts that should also be removed under the provisions of the FCRA section 605b. The remaining accounts were also resulted due to identity theft and must be removed accordingly. I previously sent a letter addressed to the Credit Bureaus last XX/XX/2022 with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft within 4 business days after the day of receipt. I am submitting this complaint to remind the Credit Reporting Agencies of their responsibility to remove the disputed accounts under the FCRA section 605b. I need the following accounts removed as soon as possible : XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : - Bankruptcy XXXX  XXXX Reference # : XXXX. If the Credit Bureaus insists that the Credit Bureaus that the disputed accounts belong to me, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus Claims. Under the FCRA section 605b, I need the disputed accounts removed from my Credit report.
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (FL)

XX/XX/2022 a debt collection agency Receivables Performance Management sent a letter to me stating alleged own a debt to XXXX for the amount of {$1700.00} On XX/XX/2022 I did paid in total the amount of {$630.00} which was the total that I owed on that moment. 
Account was close on XXXX and I sent ( 3 ) devices/handsets back to XXXX via XXXX on XX/XX/2022. Shipping label was provided and printed by XXXX XXXX
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

Complaint : Nationstar Mortgage d/b/a Mr. Cooper did not notify Borrower or Borrowers rep of servicing transfer at least 15 days before the effective date. 

HISTORY : -Borrower/note holder died. As legal rep and successor in interest, submitted death certificate several times and Mr Cooper would not update file. Nationstar/Mr Cooper also would not provide documents to file for a loan modification. Finally had to resort to skipping payments to get them to send requested hardship affidavit and mod documents. 
- Once received hardship and mod docs, called them and was told we had until XX/XX/2020 to submit the forms and to make payments and stop foreclosure process. 
- received letter addressed to me confirming me as successor in interest. 
- Filled out documents and created a Complete packet including all supporting docs for submission. 
- On XX/XX/2020 received a letter addressed solely to deceased borrower stating the servicing of mortgage loan was being transferred from Mr Cooper to XXXX XXXX  XXXX effective XX/XX/2020 - which was the day before the letter even arrived. 
- There is still been No letter to successor in interest at all about change of service. 
- XX/XX/2020 : Called new servicer for account # and fax # so can send documents to them and was refused that information ; they stated successor I am not listed as authorized contact, and would not discuss matter with me. 
- XX/XX/2020 Have resubmitted all information via fax and email to new servicer and been told I must wait 48 hours for the information to upload, and to call back on Monday ( XX/XX/2020 ) - I am being blocked and manipulated from meeting deadline
Consumer complaint received 2020-01-23
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: EQUIFAX, INC. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I contacted Equifax in several occasions with the concern that there are inquiries I did not authorize. I had a fraud alert requesting a phone call to prove identity on my equifax file for a number of months, yet inquiries were popping up and no one was contacting me when my credit file was being pulled. I contacted equifax and spoke with them about my concern and possible fraud on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ( See attaches file with dispute dates ). Each time I was told they would not remove inquiries, I would need to contact the company that pulled my file. I contacted all of the companies and they stated I needed to speak to Equifax. When I went back to Equifax with this information they stated they still would not remove inquiries. After a few phone calls they did a dispute but still did not remove inquiries or provide proof that I submitted my information to be pulled ( which I did not. I explained it was fraud, hence the fraud alert ).
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Neon Newco Corporation (FL)

I reached out to Netspend when I found out that I had bought something that was not gon na happen they were concert tickets for somebody who is not performing. Then I called nuts then told him about what was going on turn my head all the documents and emailed it. Then on XX/XX/2020 I was told my refund for dispute would be put back on account on the XXXX it is now XX/XX/2020 so I called was hung up on, giving fake names with fake employee numbers and 3 different stories. Spoke to a supervisor and now they are claim XX/XX/XXXX I will get my refund. Nonsense all the way around. Their fees are a complete rip off not what a saw when I applied for card was a setup to scam money. Instead of going after collection agencies the government needs to go after companies who steal from hard working people.
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (LA)

Apartment complex was listed XX/XX/2022 on my credit report for a little over XXXX XXXX dollars. I spoke with the complex manager she said she could not provide me with information & that she became manager a a little over a month ago & that she couldnt give any info. On my credit report the leased was from XX/XX/2022 til XX/XX/2022. Same day I received a call bk from the property manager before the one I spoke to, she said the tenant who lived there was evicted i ask her did she meet with the tenant at any point to describe the tenant or any supporting evidence or copies ect. Wit whom she signed the lease agreement wit? She responded with had no identification, social, check stubs, that was given to her & that everything was done online. The person also connected utilities over the phone & sent a connection verification letter through email.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I initiated my refinance in XXXX of 2020. Within a week of my initial application, I had provided you with all necessary documents. Yet, my loan didn't close until XXXX of 2020. In addition, you funded my loan. This lateness caused me to make an additional payment, the next day you finally closed my loan. If I wanted to pay an additional {$3600.00}, I could've put it on my loan and reduced my mortgage insurance. You were neglectful, your customer service was unsatisfactory, and my servicer was rarely available to answer my questions. 

Your representative XXXX XXXX  indicated that the mortgage that was paid the day before the loan finally funded would be returned to me. It has not yet. 

I received a response indicating that their was no record of me receiving advise to indicate that I would be refunded that mortgage payment. I've attached a copy of the response from XXXX XXXX.
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (VA)

I disputed a closed, wrong reporting acct. They never sent verifiable proof, can't connect the address to the account, this has been going on for over 1yr.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on GRANT & WEBER INC. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureau investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the lists of the erroneous account reporting on my Credit Report : GRANT & WEBER INC XXXX
Consumer complaint received 2022-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (MD)

Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} The company did not send the collection to the actual address on file but instead seemed to have performed a search based on the name and sent the bill to me. This company does not perform its due diligence.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

I opened a credit account to purchase new flooring on or about XX/XX/XXXX. My credit limit was {$3500.00}. My purchase was made under a promotion and I made sure to pay off the entire amount prior to the expiration. The original charge was approximately {$3000.00}. I always made more then the minimum payment and the final payment was made mid XX/XX/XXXX. On XX/XX/XXXX, I received an email from the credit company indicating that they had done a review of my credit report from XXXX, and they had made the decision to lower my credit limit to {$1900.00}. I was very upset about this and called the company, I received no help by anyone, even after escalating to a higher manager. I was told that they reviewed accounts every quarter. This was the first Time this had ever happened to me. I was very upset. A week later, on XXXX, I received another communication from the company referencing the same XXXX credit report but now stating that they decided to close my account. I called the company again and escalated two levels of managers and was basically told they can do whatever they want. I explained repeatedly that what they were doing was unfair and I felt was a direct result of my complaisance the week before with one of the managers. Again, I was told they can close my account and mess up my credit score if they feel like it. I asked for a copy of the policy and was told that they didnt have anything they could provide. I feel that I was treated unfairly. The closure of this account will have a direct and negative result on my credit score.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

We are a small business, who applied for a SBA/PPP Loan last year via Citibank. After much back and forth, we were approved. however the process allowed a lot to be desired. As such, we decided to use a different lender for this years SBA/PPP loan. 

Attempting to fill out forms for the new round of SBA/PPP loan requires for us to submit our SBA Loan Application number.

Contacting our account manager, or branch directory, and at least 5 other people in Citibank and their branch we usually do business at in XXXX, NY. Noone is able to give us the SBA Loan application number, this is just a 10 digit number and is suppose to be available to us. 

They have actively refused to supply this loan number to us, and in a fashion to lock us into citibank only services. 

Multiple calls, and emails have been recorded requesting this information. 
The lastest round of email sent to citibank requesting this information has been ignored as usual. 
XX/XX/2021 XXXX, sent to XXXX, XXXX XX/XX/2021 XXXX sent to XXXX, XXXX, XXXX, XXXX. 
also has gone ignored. 

It is illegal to now give us the SBA Loan application number, and they are actively sabotaging our right to apply for a SBA/PPP loan with a different lender. 

I required your intervention as soon as possible. We literally just require a 10 digit number from them. We went as far to logging into their citibanks own forgiveness website, and we were greeted with a masked number. SBA / etrans number is : XXXX. In essence its been 2 weeks fighting citibank to give us this 10 digit number.
Consumer complaint received 2022-06-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (WI)

In 2014, I did a title loan and paid the loan off the following week. I received the title and everything seemed fine up until recently when I tried to get a duplicate title. That was when I found out that there is a lean on the title. I tried contacting the lean holder and was unable to get in contact with them. The place I received the loan from is closed. The lean should have have been removed from my title as soon as my loan was paid off.
Consumer complaint received 2021-10-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I pulled my credit report and seen the negative items reflecting on my report for some reason and I dont think or believe it should even be up there because its false and its hurting me from doing what I need to do for my family and it need to be removed. I wrote up a dispute letter on XX/XX/2021 and sent it out certified so I can keep track of my letters because the credit bureaus are quick to say they didnt receive anything. Im also going to attach my the letter here with my proof of address and return receipts for when I sent out my letters. Please help me with this matter I would greatly appreciate it!