davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (OK)

I attempted a balance transfer offered by CitiCards. On XX/XX/2022, CitiCard processed a request for balance transfer from my XXXX XXXX XXXX XXXX card account in the sum of {$830.00}. Upon receipt of my statement from CitiCard indicating this transferred had been processed, I checked my balance with XXXX XXXX and discovered no transfer had occurred. I contact customer service for CitiCard who informed me the transfer was processed and it took possibly up to a month for the payment to post to my other card. I waited another week and still no posted payment to Citicard. In the meantime, the {$830.00} is charged to my CitiCard account. I contacted customer service for XXXX XXXX who stated there was no record of a transfer. I then called CitiCard customer service again and told them my situation and asked if there was a way to track where the money had gone. The woman curtly advised me that the transfer had been processed and there was nothing more she could tell me. I can not believe there isn't some sort of safeguard in place for tracking disbursement of funds. I just want the money sent to the correct account. To date, the {$830.00} remains on my CitiCard and no monies have been sent to XXXX XXXX.
Consumer complaint received 2022-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

In XXXX of XXXX, my home and I were the victim of Hurricane Irma. My family was displaced for 7 months and 5 days, not returning home until XXXX of XXXX. Under the federal government rule, SunTrust Mortgage was required to afford me a forbearance, due to the natural disaster. They honored this requirement. Once it became time to start making the payments again, I did so. Each time I mailed the mortgage payment, it was mailed back to me in the form of a SunTrust Mortgage check. I kept those checks thinking it was a glitch and would work itself out. In the meantime, I received paperwork that was a loan modification, for which I did not request. It was not made clear to me that I would need to modify my mortgage based on a natural disaster and therefore, the paperwork was set aside until I could understand it and reach out to ask questions. In the meantime, SunTrust Mortgage began foreclosure proceedings- for no apparent reason. Upon receiving notification of this, I immediately inquired what in the world was going on. I had never even been late on a payment. I was told the loan modification was to have been signed and that I had missed the deadline. I explained to them my dismay and their lack of communication regarding something so important, and I begged to be able to sign and send it back immediately, they refused. I brought to their attention the payments that I had made and that had been returned to me, they didn't want to hear it. Ultimately, they demanded that I pay {$50000.00}, in a very unreasonable amount of time, or lose my home. This set off another catastrophic series of events as the only way I could get my hands on that money was to take it out of my XXXX. XXXX. They adversely impacted my XXXX account balance. XXXX. They adversely affected my retirement timeline. XXXX. They adversely impacted my tax liability to the extreme. XXXX. You can imagine the mental anguish, as this entire process unfolded. 
As a part of the negotiation I requested that this not adversely impact my credit report as well, and they assured me that it wouldn't. I paid the {$50000.00} on time, immediately reinstating what I THOUGHT was my good payment history with SunTrust Mortgage. The relationship will NEVER be repaired. 
At XXXX of the most difficult times in my life, I believe SunTrust Mortgage took advantage of me and tried to steal my home. My home is worth substantially more than I owe and I believe this was an unethical play to take it from me. 
I hope the Consumer Financial Protection Bureau will protect me and my hard earned credit and require SunTrust Mortgage to remove this blemish from my credit report immediately. 
I believe they deserve their own consequences, but I'll leave that to the experts to decide.
Consumer complaint received 2022-10-03
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. (TX)

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( TRANSUNION, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE.

ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. 
UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION.

ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. 
TRANSUNION, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : 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 XXXXXXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, TRANSUNION, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Consumer complaint received 2022-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The collection company COLUMBIA DEBT RECOVERY has reported to a credit reporting company before trying to contact me. This account has been open apparently since XX/XX/2022. Today it is XX/XX/2022. They have not spoken to me about any debt in person, not by phone, not by email, nor by mail. I only found out that there was an outstanding collection via my credit card 's alert system that my credit score has dropped. This is unacceptable and violation of FDCPA. I should have given the opportunity to sent a debt verification letter.
Consumer complaint received 2022-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. Transunion is reporting a XXXX account and XXXX is not I have attached XXXX Credit Report showing that the XXXX derogatory Account has been deleted. I demand that you delete that account.
Consumer complaint received 2022-09-27
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. (AL)

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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (LA)

09-01-2022| sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im 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 30 days gives 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 XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-06-15
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-27
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. (NJ)

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 Bum. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act 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 with my written instructions.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (SC)

Truist Bank in XXXX, SC cashed thirteen forged checks on XXXX, XXXX  totaling {$6100.00} from my checking account. Then they cashed another one for {$3400.00} on XX/XX/2022, putting my acct into overdraft ( which I had never used before ). It was obvious that the signatures on the checks were not mine. The checks were very old BB & T checks stolen from a closed compartment in my locked car in my driveway of my house on my property during the night, along with several neighbors who were also robbed. I went to bank and reported the problem XX/XX/2022 after I saw my bank statement. I filed a police report with XXXX Police the same day. I was reassured by the bank employee that I would be reimbursed, but it might take some time. 
The police detective became frustrated with the bank for not cooperating with their investigation and subpoenaed the bank. On XX/XX/2022 I received a letter from Truist Fraud Claims saying that because of my negligence in safeguarding my checks, Truist denies my claims for reimbursement. I asked for a review and received the same denial letter XX/XX/2022. Truist said they were trying to recover my funds, then later said they could not because the thief used a XXXX XXXX They denied responsibility for not recognizing forged signature and cashing all 14 checks because of the XXXX XXXX also. 
Now I am told that they can not recover the funds or trace the money. But I can wait 180 days and see if something comes up! 
Bank manager at Truist said they often deny claims because their guidelines are different from other banks. Police detective said he has never seen a bank deny reimbursement on an obvious fraud claim. {$9500.00} is a lot of money and more than I had in my account. I am now having to make payments on the overdraft account! 
Please help me. I am XXXX years old with an adopted XXXX year old, retired, living on my social security and dwindling savings.
Consumer complaint received 2022-09-27
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. (FL)

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 Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX Account # XXXX XXXX has violated my rights. XXXXt Account # XXXX XXXX had violated my rights. XXXX Account # XXXX XXXX has violated my rights. XXXX Account # XXXX XX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2024-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert J. Colclough, III (CA)

Calls and recieved mail. Debt is not mine and this is harassment. Fake threatening mail and repeatedly leaving threatening voice mails. This debt is not mine nor is it on my credit report. This law office of XXXX XXXX XXXX needs to be sued or class action suit for slander, deformation of character, harassment of false debt, needs a cease and desist. Next ill file police report for XXXX threats
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
Consumer complaint received 2022-09-27
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 (FL)

On XXXX XXXX a credit card was put in my name with capital one 5 days after I turned XXXX and I knew nothing about it until this year when I was trying to apply for an apartment it came up on my credit. The address and last name on the account is wrong including the phone number. I found out that it ended up being my sister who did this and now I cant get my first apartment and im XXXX XXXX XXXX. Ive never had anything in my name and im just trying to succeed with my son this is XXXX XXXX XXXX  and this situation is hindering me from getting my apartment that I really need.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/20 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-05-24
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 have sent XXXX letters to all XXXX bureaus about late payments that are showing on my credit report. They have ignored my requests and refuse to remove them. I know my credit laws and this is a FCRA violation. 

I would like the following late payments removed from my credit report immediately. 

XXXX Account number : XXXX Remove late payments for XX/XX/2021 & XX/XX/2021, I was never late on these payments. My report should say paid as agreed. 

SEE ATTACHED.
Consumer complaint received 2022-12-10
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: LEXISNEXIS (CA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the bankruptcy that needs to be removed from my file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2013 Reference # : XXXX