davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (NC)

On XXXX XXXX a note in the amount {$80000.00} for a personal loan through SunTrust bank was due in full. The original loan was taken out by myself and my x-husband over 10 years ago. In XXXX we filed for divorce and the judge in our case assigned the entire debt of the loan to my x-husband. For the past 4 years I have desperately tried to get SunTrust to assist me in taking my name off the loan. SunTrust told me that only my x-husband could take my name off the loan. SunTrust then refused to help me in this matter even after I filed my first complaint with the CFPB a few months ago. SunTrust told me to wait until the note was due and see if my x-husband would pay it off or not. So here I am trying again to get the bank to tell me what happened exactly with the note and they have refused to tell me specific information that I need to know in order to determine what plan of action I need to take. I have no way of receiving any mail from the bank because it goes directly to my x-husband. He refuses to share any information from the bank about our loan to me. On XXXX XXXX I called SunTrust bank and explained my situation on how I have been denied information for a loan that my name is attached to. A bank representative gave me the name of the individual that had been assigned to our case. I was then told that the note WAS NOT paid off only a payment of {$1400.00} was made on XXXX XXXX. So since that date I have called this individual 4 times and left detailed messages on why Im calling and asked him to call me. I have NEVER received a return call and it has been well over a month. So on XX/XX/XXXX I called this representative one more time to then have a recording tell me his voicemail box was full and would be unable to leave a message. I was irate at this point and called SunTrust again for help with getting this man to call me!!!! I even began to doubt that this person even worked for SunTrust bank. The bank told me he was still employed by them and they sent him a direct emailed asking him to contact me as soon as possible. The bank told me if he didnt get back with me to call them back. This is absolutely ridiculous and unprofessional in every way. I do not know what else to do in order to get help with this matter, so Im filing this complaint in order to see if the CFPB can contact SunTrust for some answers in my case. Please feel free to contact me at any point and I can provide the exact name of the individual at the bank that has refused to assist me. 
Respectfully Yours, XXXX XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NV)

In 2017, I attempted to complete an Income-Driven Repayment play the Fed Loans for my student loan debts. Due to errors in communication between the lender and me, there was a delay in completing the application and I was late on a payment. 
The payment that I was late on was one amount. Ultimately, the application was completed and one, the monthly payment was again established at a lower rate based on the Income-Driven Repayment plan. Upon a recent review of my credit report, it came to my attention that I am reported by Fed Loan Services to have made 15 late payments. After further reviewing this reporting, I noted that rather than reporting one late payment, as I make one payment to Fed Loans servicing, Fed Loans reported that I made 15 late payments because I was late on the one amount that is paid to the lender each month. The lender does not ask me to make 15 different payments for each of my loans for which they serve, rather, one payment which the lender then distributes to the 15 individual loans.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CO)

I have an unauthorized charge from XXXX and the credit card company refused to remove it when i called multiple times to dispute the charge. At first they said to call back with additional information to have the dispute resolved. then they refused to remove the charge and said the case was closed when I called back to follow up with additional info. 

I also called XXXX who said they have no record of the purchase, even though XXXX charged the card.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

Payments were made to XXXX MASTERCARD ( 17 ). I pay my bills by XXXX bill pay, so one digit was put in incorrectly into the system, the payments got lost in the system. It was caught many payments later. I explained what happened to XXXX. After months of dealing with overseas tele representatives, who really did not know what was going on, they decided that I really wanted the payments that I made on my card to be made on my husband`s card. NO notice give, they took the credits from my account and put them on my husband`s account. Is that even legal? I have all the transaction and trace numbers. I really would like this matter to could to some resolution and quickly. I even had one representative tell me " that`s a lot of payments for one month ''. meaning, I must have meant some of them for my husband. 
payments start from : XX/XX/XXXX XXXX {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$200.00} XX/XX/XXXX " {$150.00} XX/XX/XXXX " {$120.00} XX/XX/XXXX " {$300.00} XX/XX/XXXX " {$250.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$50.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$50.00} All these payments were deducted from my account and deposited to my husbands account, however they should have been deposited to his account and my account left. I have all my credits for my accounts too as proof of payment, that they were meant to go to my account. I am not a well person and we have financial difficulties as are many families at this time. we certainly do not need this. 
One foot note to add is I pay all the house hold bills, so the check will have my name on it, but the account number is my husbands. the fourth from last digit was incorrect on the account. my number is nothing like my husbands number.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXX 's but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXX 's provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.
Consumer complaint received 2020-04-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Hello. I have a mortgage with Mr.Cooper. I got behind on my payments and contacted Mr. Cooper on XX/XX/XXXX to receive the payment amout to avoid foreclosure. The amount provided was XXXX. I was able to procure the funds that very same day. When I called back on the afternoon of XX/XX/XXXX I could not get through to Mr Cooper on  their phone lines or make the paymentonline. When I finally reached them a few days later they admitted they did have phone issues beginning on XX/XX/2020. 

The issue is now they are saying that the amount to pay to avoid foreclosure is XXXX. 
My argument is that I could not get through to them on the XXXX to pay the amount when it was XXXX. I was told there is nothing that can be done and am still waiting for a supervisor call back that I presume after this amount of time will not be happpening. This appears to me to be not only extremely unfair but possibly illegal.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXXXXXX XXXX but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXX XXXX provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX DOBXX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS XXXX LVNV FUNDING LLC XXXX {$750.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX {$750.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOBXX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. More specifically, I am referencing the fact that you are reporting an incorrect account number following # XXXX this is indirect violation of Section 609 of the Fair Credit Reporting Act stating in Advisory Opinion to XXXX  ( XX/XX/XXXX ). " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''. Stating that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. Their improper procedures are highly damaging to my credit score. Please immediately delete this item.
Consumer complaint received 2020-04-25
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 — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates account XXXX and Portfolio Recovery Associates account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed the attached documents on XX/XX/2020 via certified mail for investigation. I have not been notified of any conclusion as of yet. The attached documents show that I settled in full both accounts and that Portfolio Recovery Associates will request deletion of both tradelines from my credit file.
Consumer complaint received 2020-04-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX account XXXX and XXXX XXXX XXXX account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed the attached documents on XX/XX/2020 via certified mail for investigation. I have not been notified of any conclusion as of yet. The attached documents show that I settled in full both accounts and that XXXX XXXX XXXX will request deletion of both tradelines from my credit file.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number following # XXXX this is indirect violation of Section 609 of the Fair Credit Reporting Act stating in Advisory Opinion to XXXX  ( XX/XX/XXXX ). " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''. Stating that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

Their improper procedures are highly damaging to my credit score. Please immediately delete this item.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Today XX/XX/XXXX i recieved a letter from Resurgent capital services. 
Same debt different comany and all in the name of LVNV Funding LLC. 
As in the last complaint from me filed on XX/XX/XXXX against company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX with the CFPD File XXXX. 
And again after multiple request of complete validation or any proof that i owe this bogus debt not owned by me have bin ignored and never provided of any kind in the past, sent by me by certified mail ( have the proof ) Just another fraudulant company that cant provid any proof ever. 
iI want them to stop harrassing me about this bogus debt or provid the proof at ones. 
A verification is not a complete validation. 
Collecting in behave of LVNV funding with no proof ever provided of any kind and so with any other company ( its all in the files ) makes them a complete fraud and is illegal. 
More complaint will follow with the FTC, FDCPA and legal actions will be taken under state or federal laws if the dont stop collection effords immediately. 


My complaint is against company RESURGENT CAPITAL SERVICES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX . 
Current Owner : LVNV Funding LLC Refernce ID:XXXX Balance : {$1800.00} Last Payment Date XXXX
Consumer complaint received 2020-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

My mortgage payment is set up for automatic payment through Amerihome website for over a year. They deducted money from my bank account on the XXXX of XXXX with no issues. Then Amerihome sent me a letter saying the payment got Returned. When I checked my bank account the amount was deducted from my account. When I called the customer rep they keep on blaming my bank and ask for different things every single time. I have sent the bank statement, trace number, transmittal form and letter from my bank manager but Amerihome keeps on making excuses. Manager from Amerihome called and told me they will suppress from reporting to my credit bureau until the dispute is settled but I don't trust them. They never try to help resolve issue or call back. I think this company is a SCAM. They even suggested to pay it again to prevent reporting to credit bureau, a {$3500.00} free money. These people are disgusting.
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$280.00} XXXX XXXX XXXX  XXXX {$750.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$280.00} XXXX XXXX XXXX  XXXX {$750.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc. (NY)

I CALLED, AND SPOKE WITH THE REPS ON DIFFERENT DAYS NO ONE WOULD HELP ME. SOMEONE SENT ME A PACKAGE TO COMPLETE TO GET THE ITEM REMOVED BUT IT HAS BEEN REMOVED.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MI)

XXXX XXXX  sold the account and comenity bank took over in XX/XX/2019. I was never informed about this, comenity bank never contacted me for the payments or called. I left them Messages for months finally I got hold of someone in Customer service who took {$1000.00} Payment and informed me my Account is open and in good standing. They one day later I found out by reviewing my credit report that they closed my account months ago again without informing me ever and on XXXX XXXX their operator took my payment and inform me that account was in good standing as curtesy she waived the late fees because of the bank error. 

They defrauded me out of my money and misinformed me. comenity Bank took the money during the most awe full time when I could have used this to feed my children.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2019, I shopped at XXXX XXXX retail store at XXXX XXXX XXXX XXXX Texas XXXX  As I was checking out I was offered to sign up for a new "rewards" program.  I was misled - this was in fact a credit card application.  I had no intention of signing up for a store credit card and I paid for my purchase with my XXXX XXXX  Visa.Since XXXX XXXX, this store has tried to open a credit card account 2 more times in my name.  I have contacted Synchrony Bank, which issues the card, to notify them that this application was unauthorized.  I have filed Fraud Alerts with the 3 major credit agencies.I believe XXXX XXXX. is guilty of unfair credit practices and I would like the FTC to investigate this claim.  I don't want anyone else to be a victim of this type of fraud.