davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
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: NCB Management Services Inc. (MS)

NCB MANAGMENT SERVICES has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2024-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (FL)

My wife XXXX and I have a mortgage with Truist bank. It has recently come to our attention that we have a significant shortage in our escrow account. It appears to us that Truist bank has not been collecting sufficient funds to pay our taxes and insurance for many years. Our taxes and insurance have not gone up significantly for several years so we are at a loss as to how we are now short. We feel that Truist has mismanaged our escrow account for many years and are now taking advantage of us due to our advanced age and inability to understand how they could have made such a significant error. 
I have never been late or missed a payment in 20+ years. I would prefer to handle my own taxes and insurance since they do not seem to be able to do so efficiently but they say do to a loan modification made back in 2008 I am not eligible for this option. 
I feel they have taken advantage of my age and mismanaged my funds I would be grateful for your help Regards XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX, I attempted to create an Experian account in order to freeze my credit. After I input my personal information including social security number, Experian 's system failed to create the account with an unspecified error. 

Since then, I have received weekly emails with the subject, " Action needed, XXXX : Finish creating your account ''. I have tried at least 4 times since the initial attempt to sign in and create my account, but every time see a generic error page titled " Internal server error '' with a support phone number listed as the only contact information. 

On XX/XX/XXXX, I called the support phone number. The automated system could not solve my issue and refused to transfer me to a human operator after repeated requests. This was extremely frustrating, not only due to not being able to solve my issue, but also because the automated agent was very poorly implemented and frequently had trouble understanding spoken or dialed inputs. 

After failing to get resolution from the support phone number listed on the error page, I attempted to find contact information for customer support. There was no email address documented that I could find, only a mailing address. I am not going to mail a letter to Experian to resolve a technology issue. 

After failing to find appropriate contact information, that same day ( XX/XX/XXXX ), I responded to the email address that sent the weekly account creation reminders, XXXXXXXX, with an email that outlined the above information, requested account creation to freeze my credit, and reminded Experian that credit freezes are a consumer right under federal law. 

On XX/XX/XXXX, after no reply, I again attempted to find a contact email, and this time found an address XXXX with some googling. In this email, I forwarded the previous one, reiterated my request, and stated that I would complain to the CFPB if my issue was not resolved. 

I have not been able to get any sort of customer support or human interaction with Experian in the half-dozen attempts to contact them and/or use their systems.
Consumer complaint received 2021-11-01
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: CREDIT ACCEPTANCE CORPORATION (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (MD)

This company is not paying off my debts in a timely fashion especially given the amount of money that is deducted from my bank account monthly. For example, i have a balance of well over {$5000.00} with them but they only pay {$10.00} per month on a {$230.00} bill yet they are deducting fees and keeps moving the estimated settlement dates for bills up each month. This example is one of several with my account that couldve settled. Essentially they are making money off of me for doing as little as possible to pay off my debts. This is causing me issues with job prospects because there is no solid proof that i am paying off debts. Plus they could never provide documentation that a debt is being paid off other than a generalized letter that does not address the debts being paid.
Consumer complaint received 2021-11-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

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

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-01
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. (TX)

I work for this XXXX, I made calls and was given to debt collector. Very rude and continued to give different people to call for an itemized statement of original bill. I have no knowledge of what this bill is, where it came from, or why I would this debt .... I requested that information on my original dispute. I was not provided that information only what the debt collection bill says EXPERIAN IS THE AGENCY AND I HAVE AN ACCT WITH THEM THAT I PAY FOR ... .. doesnt look like they are trying to truly provide me an investigation.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (GA)

Franklin Collection Services is trying to collect a debt of {$1100.00} from " XXXX XXXX XXXX '' that I have no knowledge or am aware of. I am very aware of my rights and the Fair Credit Reporting Act. I demand that Franklin Collection Services provide documented proof ( My signature on a contract with them or XXXX XXXX XXXX ) that shows I had any sort of business with them. Otherwise I am prepared to take full legal action against Franklin Collection Services for illegally trying to collect a debt from me that I do not owe.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

My name is XXXX XXXX and I had been a Commenity Bank credit card holder for over 6 years. In XXXX and XXXX of XXXX Comenity Bank decided to close both my Lane Bryant and XXXX XXXX. I was told that the account were closed due to some negative information on my credit report. I found this out after I was trying to purchase items to buy in the store. I called customer service and they said that there were negative items that were on my credit report and they decided to part ways and shut down my accounts after 6 years of on time payment history. I was never late and always paid on time. I was entirely shocked and couldn't believe it at all. So I contact the credit bureaus and the items that were negative were not mines. These accounts were opened without my authorization. So I disputed the items as fraud I had to go and get a police report and FTC Affidavit and I forwarded these items to the credit bureaus and within a month or so the items were removed due to identity fraud. So having this new information I then mailed all these documents to commenity to show them that my accounts should be reopened as those negative items have since been removed as identity fraud. I called customer service and explained to them and they pulled up the documents and said this to me. The account was closed and they were unable to reopen the account and the representative also stated that they had received the documents before the account was fully closed but basically they dropped the ball and didn't update the account and just let it close. I said well you have the proof reopen and she said there is nothing that she could do it was out of here hands. I asked for a supervisor and still got the same response that yes we got the documents but there was nothing they could do because the account closed. I was livid this made absolutely no sense. If you know that Comenity made an error then your supposed to correct it. All I wanted was my accounts to be opened and then that was that. But all I received was the same events over and over. Nothing has been rectified and its not right at all. I need this to be resolved correctly and the accounts to be opened. I even tried to reapply and was denied because of the status of my other accounts and they told me to reapply and still didn't do anything
Consumer complaint received 2021-08-03
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. (MA)

Transunion is conspiring with XXXX mortgage company to continue to re-age an old bad debt. I tried to file a dispute online but Transunion refused to accept the dispute. On XX/XX/2021 I sent, via certified mail, Transunion evidence/proof catching XXXX re-aging my account by removing payment data from my credit report. Transunion has refused to fully investigate my claims of fraud, allowed payment history to be removed, allowed payment history to be reported as no data, all while presented with a mountain of evidence of XXXX 's wrongdoing. I supplied Transunion with the same evidence I am attaching to this complaint. Evidence that includes a copy of an old Transunion credit report showing the missing information.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2021-11-01
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX TENTH XXXX, NC XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 

9. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. XXXX Account Number : XXXX Please remove it from my credit report. 

11. Account Number : XXXX Please remove it from my credit report. 

12. Account Number : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2021-08-03
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. (FL)

XXXX XXXX XXXX XXXX Balance {$1000.00} This account is reflecting a banalnce thatr has been paid off. Ive asked them numerous times to please update my balance to XXXX. 

XXXX XXXX Balance {$1200.00} Opened XX/XX/XXXX This is a identity error fraud. This account does NOT belong to me. 

XXXX XXXX Balance {$4100.00} Opened XX/XX/XXXX This account was opened fraudulently and has already been settled with XXXX XXXX XXXX Balance {$81.00} Opened XX/XX/XXXX This account has already been settled with the original creditor. 

XXXX XXXX Balance Balance {$670.00} Opened XX/XX/XXXX This account does not belong to me. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX This account has never belonged to me XXXX XXXX XXXX  Balance {$1400.00} Opened XX/XX/XXXX This account has never belonged to me. 

XXXX XXXX Balance {$450.00} This account does NOT belong to me
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retail Merchants Associates (LA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (WI)

While making a large payment of {$4100.00} to bring my mortgage loan current and paying my XXXX payment, I looked to verify that this payment was received by Huntington Bank through their app where payments can be made. While doing so, I had seen that they indeed has received the payment as requested by a letter that I received from them to cure my default and stop foreclosure proceedings, I noticed a notification in the app that my loan was going to be going up {$270.00} extra a month. I couldn't understand why and had then contacted Huntington Bank directly to see first why my {$4100.00} payment had been received but was placed in a suspense account and not proceeded to show my mortgage payments were current and actually paid in advance now, and then why my monthly payment was going to be going up. The gentleman that I spoke too said that he really didn't know why, but usually it is because the escrow balance was too low. He gave me a number to call on Monday since that dept was closed over the weekend. So I in fact did call that number, XXXX which was the insurance dept from what they informed me, then they tried to forward me to the escrow dept, to which I then go disconnected and sent back to the main menu to inquire about making payments. I had gotten a letter in the mail from them about 30 mins after this call that then explained why my mortgage payment would be going up and it explained that my escrow payment was in the negative of {$3200.00} and that this amount would be spread out over 12 months and increase my payment the {$270.00}. I am upset that I had completed a loan modification back in XXXX 2021 that I was told that my escrow difference was going to be built back into the loan to bring my balance to where is should be so that I could afford my payment which is now {$940.00}. They now want to raise my payment to {$1200.00}, I can NOT afford this especially since I did the loan modification in the first place to lower my rate, terms, any payment to be able to stay in my home for at least the next year. When I was in the loan modification terms of three months, I was charged late fees, inspection fees, and my credit report with them showed my payments were missed and late for over 7 months which greatly lowered my scores. None of their figures match on statements, app, or phone calls and I really feel that I am completely being taken advantage of and that HUD violations are being done. I plan to sell my home in a year, but I can not afford this increase of {$270.00} especially when I was told that this was all in my previous loan modification. I really feel they truly are crooked and if they want {$1200.00} for my house payment they might was well have the house then because I can not afford that. I am barely able to make the {$940.00} now. Please take a moment and see if any violations or concerns are being done or what I can do at this point. I just want people to be held accountable and treated fairly. Thank you so much for your time.
Consumer complaint received 2021-11-01
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: Mr. Cooper Group Inc. (MS)

I have made several attempts to rectify this issue. I have a 30 day late with account Nationstar/Mr. Cooper from XX/XX/2019. The month in question I was given a forbearance. I have the letter stating it. I have made a dispute with all 3 credit bureaus and with Nationstar/ Mr. Cooper . XXXX Nationstar said it was correct even though I provided them with the letter they sent about the forbearance. Then, they said they didn't report it to the credit bureau. I provided Nationstar with proof that it was on my report but to no avail. Attached is a copy of the forbearance and proof that it is on my credit report
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (WA)

In about XXXX I had a credit card through XXXX  XXXX XXXX. I accumulated about {$3000.00} in debt. 
I lost my job and had trouble finding another. 
The debt went to collections. 
I paid collections for this debt. I thought I paid it off. I never received a confirmation letter. 
In XXXX this debt poped up again and Sunrise Credit Services INC has been collecting money from me again. 
I reached out to XXXX  XXXX XXXX and they referred be back to Sunrise Credit Services. 

When I got a car loan in XXXX I was told the debt didn't show up on my credit report that the account was closed. I should not owe anymore money. 
Sunrise insists that I owe the money. 
I continue to pay on this debt. there is no interest being charge to me but it is {$50.00} per month and they are taking advantage of me.
Consumer complaint received 2021-11-01
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: Santander Consumer USA Holdings Inc. (RI)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Nissan paid to XXXX XXXX, VA the Virginia Property taxes on this vehicle for the period XX/XX/XXXX to XX/XX/XXXX in the amount of {$430.00}. This amount was paid on XX/XX/XXXX. 

I purchased the vehicle at the end of lease on XX/XX/XXXX. 

XXXX XXXX refunded Nissan {$130.00} representing the portion of property taxes from XX/XX/XXXX to XX/XX/XXXX. They send a check to Nissan on XX/XX/XXXX in the amount of {$130.00} representing the pro-rated taxes for the portion of the period for which Nissan no longer owned the vehicle. The check was mailed to XXXX XXXX on XXXX/XXXX/XXXX and cashed on XX/XX/XXXX. 

I have reviewed this with Nissan Finance on XX/XX/XXXX and XX/XX/XXXX. Nissan continues to bill me for the full amount of {$430.00}. I owe Nissan {$290.00}. ( {$430.00} they paid less the refund of {$130.00} they received ) Nissan refuses to look into this or send a correct bill to me.