davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

My XXXX  mortgage loan was originally with SunTrust and was later migrated to Truist Bank. I used the XXXX forbearance for my mortgage payments for a period of time, and then agreed with Truist to create a second mortgage partial claim for the amount that was in forbearance. I submitted all of the signed, notarized, partial claim documents to Truist when requested at the end of XXXX. Truist has not yet submitted my partial claim to HUD, however the second lien is listed on my house title. I am now attempting to pay off the second mortgage, XXXX  months after finalizing the partial claim with Truist, however HUD can not generate a payoff letter for me because Truist has not filed the partial claim with them. I am unable to sell my house, open a HELOC, refinance, or do anything because of Truist failing to complete this step. I have called Truist multiple times, requested callbacks from supervisors, have been transferred from department to department, and have not been able to speak to anyone who is able to resolve this problem or give me information on how it can be resolved. This XXXX months-long delay is going to have serious financial implications for me. I have never been delinquent on my mortgage payments and have always done my part with paperwork. I now need someone at Truist to file my partial claim with HUD immediately.
Consumer complaint received 2022-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and transunion will not take a dispute online, try to call get no response.reporting incorrect balances on 2 accounts, reporting incorrect credit lines, reporting XXXX XXXX credit usage, using less than XXXX XXXX
Consumer complaint received 2022-04-25
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. (TX)

In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NY)

These XXXX  at Bestbuy said they could put it on hold but they straight up didn't. 

Not only did they not put me on hold, they contacted the debt agency and also kept sending me credit debt emails as if I never spoke to a representative at all. 

I told them time and time again that I needed time and they said they'd send me something in the mail so we could work something out but I never got anything and my credit score took an even bigger hit out of nowhere. 

Not only that, the debt has gone up by like... XXXX XXXX I just paid these XXXX not that long ago and they're upcharging me like crazy on purpose. It's BEST BUY interest for crying out loud...
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hv sent payoff letters from XXXX XXXX to transunion and XXXX and they continue to claim information on report is verified
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (NY)

In accordance with Fair Credit Reporting and XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (PA)

Unfortunately, I co-signed for a car loan for my niece which she defaulted on. I had made most of the payments, but then lost my job during Covid & stopped paying her debt. The car was repossessed. I received a settlement offer on XX/XX/XXXX. I called Santander & was told as long as I paid the exact amount the debt would be discharged & my credit report amended. On XXXX XXXX  I sent the exact amount ( XXXX ) to Santander Consumer USA via ACH. I never received notice regarding this transaction & considered the matter closed. On XX/XX/XXXX, I received another settlement offer stating I had a balance of XXXX & they would accept XXXX to settle this debt. I called them & stated the payment had been made in XXXX & they said they would correct this error, but to date, I have not received any communication to this effect.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX  ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit report.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
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 an account without my written instructions. 

15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (NE)

This company has violated my rights to privacy 15 U.S.C 1681 section 602. A states i have the right to privacy 15 U.S.C 1681 Section 2 - It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt
Consumer complaint received 2022-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-07
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Because of the existing problem with Capital one has put my two credit cards in close status which i am still paying my monthly but not allow to use my credit cards at all. They are reporting negatively every month on my credit report and as a result i am being denied credit and extremely high interest rate loans on my car note. This is beyond damaging to my livelihood and business am being affected in and cant function under these discriminatory credit practices.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on?

What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank You
Consumer complaint received 2022-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (MI)

My name is XXXX XXXX. I am authorized to speak on my wife 's behalf regarding this debt and complaint. 
I received an initial debt collection letter from United Collection Bureau on XX/XX/22 for an unknown debt. The supplier is known to me. 
On XX/XX/22, I responded with a debt verification letter advising the company that all communications must be in writing and refer to existing contacts. Not doing so would be considered by me as attempted intimidation. The lette was sent verified with a signature card. The signature card was sent back to me signed XXXX XXXX XXXX XXXX with the printed name XXXX XXXX XXXX Clearly this was not being taken seriously. 
UCB responded in a letter dated XX/XX/22 ( rec 'd XXXX ) with a partial response to verification. They gave me something from the supplier I had never received but allowed me to trace the referenced debt. They, however, did not provide any documentation authorizing them to collect this or any debt on the supplier 's behalf. 
On XX/XX/22, I responded with a letter stating I had paid the debt. I provided the invoice received, and the processed check. I stated unless UCB provided further documentation my documents referred to a different obligation, I would consider this matter closed. I restated that all communications must be in writing, and communications such as phone calls and letters not referencing ongoing communications would be regarded as harassment and reported to the CFPB. I sent this letter certified. It shows by USPS as being picked up on XX/XX/22. 
After receiving the letter, my wife received several calls from UCB, who left voice messages. The messages were vague and referred to collecting a debt. We did not record the specific contents. On an unknown date, I received a letter dated XX/XX/22. The letter was not marked as communication from UCB and looked like junk mail. It referred to having " been unsuccessful in securing a payment arrangement on the above referenced account. '' It made no mention good-faith efforts to resolve this dispute as previously described. It also threatened " your account may be credit reported to credit reporting agencies ( sic ) '' These items I consider attempts at intimidation and harassment. 
I have attached documentation to support the above statement.
Consumer complaint received 2022-07-12
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. (PA)

I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (FL)

I called my bank, Regions Bank, on XX/XX/2022 to inquire about an Auto loan with the representative there. The banker answered some general questions regarding current rates, used car mileage and year requirements etc. That was the extent of the interaction. I never applied for a loan with Regions bank because that weekend I ended up purchasing a car and financing through the dealer. A couple weeks later I received correspondence by mail that I had been denied for an auto loan. I checked my credit report and found that Regions bank had initiated a hard inquiry on my credit with no approval or application submitted by me. I called the bank to inquire about this and they have refused to provide a copy of the supposed loan application that was submitted because it was their banker that submitted information without my consent.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proofof verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2022-04-24
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-07-12
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. (MO)

When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

XX/XX/XXXX, I filed CFPB XXXX against Carrington MS . They agreed that they made a clerical error by stating on my credit reports, from the credit bureaus, that my account # XXXX was in a XXXX bankruptcy. They said that they would correct this with the credit bureaus. I recently applied for a home loan with XXXX XXXX, the report that they sent me shows that Carrington hasn't removed this information. I called Carrington XX/XX/XXXX and spoke with a rep that stated that the information about the bankruptcy was verified and correct. I explained to him that it was wrong and should be corrected. He refused to remove it or investigate further. This would place Carrington MS in violation of the FCRA.