davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

XXXX ) Over the last 6 months, I have struggled to obtain partial pay-offs when selling individual assets within a portfolio loan. This has caused me to have thousands in losses due to their delays. On XX/XX/XXXX, I requested a partial payoff for a house that closes on XX/XX/XXXX. They say it takes XXXX business days yet I have yet to get the payoff as of XX/XX/XXXX. Another example : payoff request was sent in early XXXX by the title company. We had to re-submit the request again in early XXXX for a XX/XX/XXXX closing that didn't happen until XX/XX/XXXX. 

XXXX ) Fay Servicing does not record the partial payoffs on-time and in at least XXXX case at all. This means my monthly payments aren't getting amortized correctly as they don't have the large principal pay downs recorded at the correct time. On XX/XX/XXXX, I sent a message via their website after sending multiple emails in XXXX with no response. They currently have XXXX recorded pay downs for XXXX assets sold. 

XXXX ) Fay Servicing claimed to not have proof of insurance. I provided a new policy assuming the old one was canceled by them OR the prior servicer. They failed to pay the insurance policy correctly leading to it getting canceled. Fay proceeded to purchase a policy while I paid for the XXXX policy. This caused me to have XXXX policies after I found the XXXX policy contact information. I never received any proof of policy for the XXXX policy Fay purchased and it took 5 months for them to cancel it. I then lost thousands as Policy XXXX would only refund me to XX/XX/XXXX vs XX/XX/2022 the day Fay told me I had no insurance. 

XXXX ) Fay doesn't provide proof of tax payments per asset but instead generic a tax paid with the amount paid. As of now, I've had to pay out of pocket for XXXX assets that didn't get paid on time.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — Store credit 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: GOLDMAN SACHS BANK USA (MO)

After an audit of my transactions I found Goldeman Sachs sometimes at at there on discretion bundled charges which in fact made no sense, for example bundling an often used cheaper item with a more expensive item which had previously been canceled. They sometimes charged items with the similar item having the same graphic logo, but different charge. They were asked to remove such similar items and remove items which had been made less than a week after purchase because of defect, but those items remained on the bill and no credit had been given. I can only conclude they use deceptive business tactics.
Consumer complaint received 2022-10-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX  was notified of disputes of account ending XXXX and never resolved the issues. Account need to be deleted as in contains inaccurate/fraudulent information for which XXXX has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, Experian, XXXX. Regardless of my efforts to try to resolve the disputes with XXXX XXXX  as I advised XXXX that this is Fraudulent account XXXX continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. XXXX XXXX  is being negligent in follow consumer laws and FCRA laws.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, Citibank executed XXXX wire transfers out of my accounts totaling {$240000.00} without my authorization. XXXX of the transfers were from the checking account and XXXX from a savings account. 
I have made perhaps XXXX wire transfer in the last 35 years, and I never make any payments from savings accounts, only through the checking account. Before the wire transfers were made, the money was shuffled between our checking and savings accounts. Citibank negligently did not fully recognize these gross aberrations in these activities, as it sent me only XXXX email asking if I approved the wire transfers. I did not see this email before the bank quickly released the wire transfers. Notwithstanding the cumulative total of the wire transfers or that these wire transfers effectively emptied all my wife and my joint Citibank accounts, the bank executed the XXXX wire transfers without contacting me by phone or insuring that any response purportedly by me was authentic. I have filed a complaint with Citibank and also with the XXXX XXXX XXXXXXXX Police Department.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (TX)

I called Sunrise Credit Service on XX/XX/2022 around XXXX XXXX  to inform them that there was a fraudulent collections account that has been place on my credit report by them. This has occurred multiple times in the past 6 months, by various credit services. I had called to alert them to this. The man on the other side of the phone said " I don't have time for games. We are a legitimate service. '' and was hung up on. I have filed a dispute with XXXX about this, where my credit report already has a fraud alert on it. The address that is tied to the account, which also has been on my credit report ( and removed 3+ times already ), does not even exist. It is located in another state as well. 

Additionally, because this account is fraudulent and does not have an associated address with it, I have received no paper correspondence. If I could speak to anyone meaningfully at Sunrise, I would refuse to give them any additional information for fear they will just adjust the information on their end and try to serve me this fraudulent account.
Consumer complaint received 2022-07-26
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. (TX)

I Spoke with XXXX XXXX within the Special Consumer Fraud Department ) for XXXX hour and XXXX minute pleading my case, and she acknowledged that XXXX did receive our CFPB complaint but did not act up on it because XXXX assumed that the complaint came from a third party!!! I use a company called XXXX to send out my mails because due to a pre-existing condition I cant go to an actual post office! The fact that XXXX is assuming instead of factually investigating, is a clear violation of 15 USC 1681 ( a ) ( 3 )! Your company ( XXXX ) assumed this role. You were not given express permission by me, the consumer, or a competent Court of Jurisdiction to report these erroneous inquiries, late payments on my consumer report. Therefore, not only did you fail in the initial investigation of these wrongfully reported informations, but you also assumed this role, and assumed these wrongfully reported informations were valid or as you like to say VERIFIED, which is a clear violation of my consumer rights.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX has been sending me collection notices in the amount of {$6500.00} the collection has been reported as pas due balance. I do not know this company. I have never done business with this company. This company does not have any contract with my signature. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.SC.C 1681B ( A ) ( 2 ) - No consent is identity theft
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$890000.00}
Consumer complaint received 2018-10-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SUNTRUST BANKS, INC. (VA)

On XX/XX/2018, I submitted a payment in the amount of {$500.00} via my Suntrust bank A/C # XXXX Bill Pay. I realized two days later that the payment I submitted was incorrectly submitted to a closed account. I have immediately contacted Suntrust but I was told that they can not do anything since payment already gone through and I should contact the payee. I have contacted XXXX XXXX XXXX XXXX. XXXX told me that since I do not owe any money to them they are sending the money back to my bank. However, I have to seen any transaction on my account. I called Suntrust again and I was told to contact their Fraud/dispute department. Dispute Department told me to complete a form and fax it back to them. I have faxed the signed completed form on XX/XX/2018. 
to days later i received automated later saying my case was closed due to duplicate request. I have experience such foolishness. If the request is duplicate, there should be one and other should be rejected. Any way Suntrust Bank closed both of my cases. 
I called Suntrust Bank again today, and asked them to continue one case that has the required documentations. The dispute resolution person told me that I have to start all over since they closed the cases. I explained to her, Neither I closed the cases nor I have ever requested to close the cases. It is your mistake and you have to reopen it. The challenge to send them repeated documentation is that, only they can email me documents I can not send them any document due to their lousy " Security Reasons '' not can I upload to Suntrust 's so called secured Message service. 
I called XXXX XXXX XXXX, whom I mistakenly paid {$500.00}. XXXX told me that they processed my refund on XX/XX/2018 but suntrust does not have any clue. So, I need your help to retrieve my money from Suntrust and make Suntrust train their employee to understand the banking process so that their poorly trained employees do not cause such harassment to consumers. 
I am also attaching a copy of the document I faxed tro suntrust. 

Thank You very much. 

XXXX XXXX XXXX
Consumer complaint received 2018-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

My student loan servicer is XXXX XXXX. My recent payments over and above my monthly amount due have been applied to all my loans despite my repeated requests that they be applied to the loans with the highest interest rate. I have attempted to reach out several times but do not get a reply. They also do not apply my payment to the loans with the highest interest rates. I want all my payments above and beyond my required monthly payment applied to me highest interest balances.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

Debt collector is attempting to collect potentially fraudulent account despite several disputes and demands for documentation indicating proper ownership. Copies of disputes and proof of identity were sent to debt collector. They refuse to conduct a proper dispute and continue to report account to credit bureaus.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Credit Acceptance is mistakenly reporting payment history and a balance on my credit. A settlement was fulfilled and has not been updated properly. Please update and delete this account from my credit please. Please see the attached proof of payment and settlement offer.
Consumer complaint received 2022-07-26
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. (TX)

I have sent a prev. dispute detailing my situation and what items should be removed in leu of the situation. I also asked for particular information if these accounts were not removed but was not provided to me upon completion of the requested investigation.
Consumer complaint received 2018-10-29
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. (OH)

XXXX XXXX was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since XX/XX/2014. This caused my credit scores to drop 100 points.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I have been charged a late fee twice on my credit car from Best Buy Credit Services. The 2 checks were dated and mailed in a timely manor, prior to the due dates. I was Informed by an employee named XXXX from XXXX # XXXX that it must be mailed 11 days before due date, as not to be charged a late fee. I was never told this policy in the store when I applied for the credit card. I am closing my account as of XX/XX/2018, and disputing the {$27.00} late fee charges in writing by certified mail. I plan to pay account off in full in XXXX payment.
Consumer complaint received 2022-10-25
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. (NC)

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX NC XXXX XXXX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1000.00}.
Consumer complaint received 2022-07-26
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I subscribed to trans-union for a one month period on their website. They did not mention that it will be a recurring payments of {$19.00} every month. They've been charging me for the past 6 months. They did not send me an email / mail receipts that they were charging me all these months. The only way to cancel them is by a long wait over the phone. 

This is not how they do business. This is a rip-off.
Consumer complaint received 2019-03-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had scheduled mortgage payments using the ACH system. Wells Fargo ACH system did not pick up the payments until several days after I had scheduled the payments, which caused my bank account to be overdrawn due to Wells Fargo 's delayed process for ACH payments. I have attempted to propose and execute a payment plan which includes paying all further mortgage payments via Treasurer 's check from XXXX XXXX, my bank. I was in the process of executing the payment plan I had proposed when Wells Fargo had papers delivered compelling me to accept their mortgage modifications or face foreclosure. I have faxed their application and the proofs required to them. While I have a decent credit score, I have frozen my credit reports on all credit bureaus, so I would prefer not to allow any one time access of my credit report, considering I have the necessary income to make the payments according to the plan I have proposed. I intend to sue Wells Fargo if they do not properly accept the payment plan I proposed, considering it's not likely it would be an undue hardship for Wells Fargo to accept the payment plan.
Consumer complaint received 2022-07-26
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. (TX)

XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (IL)

I called XXXX and spoke to Ms. XXXX from Harris & Harris on XX/XX/XXXX. I told her I could not receive personal calls at my job. She insured me she would take my work number off of the list of numbers to contact and add my cell phone number instead. Today, XX/XX/XXXX, I received another call from the same company. They left the number XXXX for me to call back.