davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MO)

During XXXX, I used the CARES Act to apply for XXXX hardship mortgage forebearance. I contacted BBT/Truist in XX/XX/XXXX to let them know that my hardship was over and that I was ready to resume my mortgage payments. I was told that it did not just " pick back up '' where I left off but instead I either had to pay all my missed payments in one lump sum or I needed to do a loan modification. Since I could not afford to lump payment I told them I would do the Loan Modification. 

I was given the parameters that I needed to follow. Starting XX/XX/XXXX I started making monthly payments again on my mortgage. I followed all rules set forth for me regarding trial payments and was told I had met the requirements for loan modficiation. I filled out all paperwork and had it notarized. It was sent back and received by the company on XX/XX/XXXX. I continued to make my monthly payments while waiting for the loan to be removed from loss mitigation. Each time a payment was made via telephone I would ask about the status of my loan and the representative was never able to give me any details. I was only told to continue to wait. 

In early XXXX I recieved ANOTHER copy of the loan modification paperwork and was told I had to re do it all due to an error on their end. So we filled out the paperwork and had it notarized for a second time. It was received back by Truist Bank on XX/XX/XXXX according to tracking records. 

Since that time I have not been removed from loss mitigation nor has my loan been modified. I have continued to call monthly to make my mortgage payment and each time ask where I am at in the process and I can never get an answer, except to please be patient and continue to wait. 

Since letting Truist Bank know I no longer was under hardship, I have made 14 payments, filled out modification paperwork twice and yet nothing has changed. My payments do not go towards my balance but instead are being held in a suspense account. I continue to receive statements showing my mortage is in loss mitigation and my balance due continues to grow. I have continued to advise the customer representatives that I am no longer under a hardship and ready to continue to a conventional mortgage but nothing has been done.
Consumer complaint received 2023-01-06
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be removed from my report as soon as possible. 
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
Consumer complaint received 2023-01-06
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: Creditors Bureau Associates (GA)

My rights was compromised when asked creditor to provide proof that I owed a debt and they keep sending the same thing back..They are not responding to specific items when requested..they have showed me there is no intention on fixing this..They did not do a proper investigation per regulation and laws on this matter..
Consumer complaint received 2023-01-06
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. (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2400.00}
Consumer complaint received 2023-01-06
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 the Fair Credit Reporting act XXXX the bureas have violated my right by reporting payments on credit accounts on my consumer reports. 

Account : XXXX XXXX XXXX XXXX They are reporting a payment late on my cosumers report between me and this creditor. 
The bureaus have violated my rights. I have the right to privacy and a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is against the law and violating my rights. 

I need these late payments removed from my consumers report immediately as it doesnt follow the FCRA or any laws in that matter. Being that its against the law i know i can take legal action.
Consumer complaint received 2023-01-06
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. (CA)

XX/XX/XXXX i wrote and sent certified letters to all three credit bureaus. Experian, XXXX XXXX, and XXXX. I stated there was inaccurate information constantly being reported on my credit report. XXXXXXXX XXXX XXXXXXXX is a collection account that is reporting not only as OPEN but also shows a past due balance of {$920.00} and sometimes {$920.00} it varies every month when they report. they are also reporting late payments when there is no due date. this is a violation of the FRCA and of requisite XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX false payments with discrepancies in dates in the payment history section. claiming paid on XX/XX/XXXX then missed payment on XX/XX/XXXX of a closed/charged off listing which is also being reported as Past due in the amount of {$710.00}. this account was charged off and closed in XXXX. 
I asked all three bureaus to remove false/ inaccurate information and verify these debts if not I would like them removed. 
I got a response that everything was verified with little to no change. XX/XX/XXXX i sent a Method of verification letter asking how they did their investigation. I asked specific questions like who they spoke to and the name of the creditors with original documentation, etc. I expected a response in 15 days in accordance with FRCA 611. or it needs to be deleted. 
what I have received is a letter from Experian in a timely manner, saying the reinvestigation has been done and is verified. no other proof was provided even tho I clearly asked for detailed information about the investigation. 
i received a letter from XXXX that there is an issue with my address. did not address my actual letter. 
XXXX failed to answer at all. does not even update their information. 
XX/XX/XXXX i called all three bureaus about the letters I received. specifically, why i haven't received the proof that you did your due diligence on the investigation. I was told by emplyees of 2 out of the 3 bureaus that. '' they do not have to provide that information to me by law. the debt is verified and that is all. '' I asked to speak to someone else I was put on hold for another 30 mins and hung up on. they were rude and combative. I quoted the law to them and I was met with a refusal. and I'm still seeing reports of late payments on a collection account like it's renewed i believe they are messing with the statute of limitations and my overall credit health by reporting what they like when they like. because they don't get held responsible. what is the point of the Fair credit reporting act if they aren't going to abide by it? I feel helpless in this situation and don't know what else to do but to go forward with legal action if this does not get resolved soon.
Consumer complaint received 2023-01-06
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only name is XXXX XXXX XXXX only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only employer is XXXX XXXX XXXX  There may be individuals that have the same as mine. 

Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Consumer complaint received 2020-05-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RCS Capital Partners, Inc. (DE)

This complaint is specifically for RCS, this is a " collection '' agency for XXXX XXXX and XXXX XXXX is the " current creditor ''. However, only XXXX XXXX appears on my Credit Report under collections. There are 4 companies I owe debt to, RCS and XXXX XXXX are none of the 4. 
On XX/XX/XXXX {$57.00} was debited from my account by RCS, XX/XX/XXXX another {$57.00} was debited, and XX/XX/XXXX {$57.00} plus another {$6.00} was debited from my account all from this same company " RCS ''. I had spoken to this company in early XXXX ( XXXX is handling my account ) about ceasing all future payments since I am off of work because of the COVID-19 outbreak, I am still laid off currently and am surviving off of savings. 

I called RCS today XX/XX/XXXX, because I noticed additional charges had been taken out of my account. I wasn't upset, and never had any intentions on asking for a refund. But XXXX was extremely defensive, had a condescending tone with me, and refused to hear anything I wanted to say, and then hung up on me. When I called back 4 or 5 times I was left on hold by an automated system, and then the call would drop. I finally got thru to XXXX 's co-worker whom found it satisfying to tell me he was not only the supervisor but owner of the company, told me he leads the call and I have to listen to whatever he has to say, not the other way around, told me he would remove my information from their accounts and hung up on me.
Consumer complaint received 2020-05-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Management Recovery Corp. (NMRC) (TX)

XX/XX/2020 : I received a Voicemail from an unknown number ( she said he name was XXXX XXXX ) citing legal action being taken against me and I must contact the collection agency before the case is sent to court I was given case number XXXX and told to call XXXX XXXX XXXX to discuss my case. And that since they couldnt reach me they would be issuing a order to locate on me and calling my employer ( even tho I am unemployed ) I called the number and a woman who sounded a lot like the woman who left the voicemail stated that I had an open case but it was locked and needed the last four of my social to open it. When I refused to give her my social she read the last four of my social to me then stated that due to a small XXXX XXXX loan and listed numerous allegations i had a case started against me in XXXX county and a judge has already viewed and approved it to go to court. She then stated that there were two different restitutions one out of court and one in court. The one in court would cost me over XXXX dollars on top of court fees and the one outside of court would be {$530.00} and I could pay it now. And I needed to pay it before the case is filed in 24 hours. I felt sick and I hung up and called my county clerks office and spoke with the civil court clerk and she said there was no case and I was likely being scammed or threatened. I checked XXXX and it said my debt was sold to national management recovery services. I believe I was just being scared or intimidated into paying a large amount of debt and lied to about the whole thing. I then received a scared call from my grandmother saying a woman who knew her name and address called and stated I was going to be going to court and needed to call the same number. None of this Can be legal or ethical.
Consumer complaint received 2023-01-06
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: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
JPMCB CARD XXXX Date Opened : XX/XX/2016 Balance : {$14000.00}
Consumer complaint received 2023-01-06
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. (NC)

I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.
Consumer complaint received 2023-01-06
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. (GA)

Hello, Please update this account as paid in full as its been paid off for months now and you have not updated. 


XXXX XXXX XXXX Account number XXXX Account type Balance {$41000.00} Balance updated XX/XX/2022
Consumer complaint received 2023-01-31
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: CITIBANK, N.A. (FL)

I would like to explain the problem in the simplest way possible. I bought several 12-hour packages on XXXX XXXX  is an online tutoring website. They made an automatic charge for 12 hours that I did not authorize. As soon as I complained to XXXX about this unauthorized charge, they issued me a refund. They charge a small fee per transaction, in this case, XXXX, which they charged to the card in order to give me a refund. They authorized the refund for XXXX but for some reason the bank did not apply it to my account. 
Please, you will be able to find attached to this document the XXXX refund receipt which by itself should clarify any doubt, and you will also be able to find the chats with customer service about the refund. 
As you can clearly see the problem is not with XXXX They agree with me that the charge of XXXX was unauthorized and approved my refund. the problem is with CITI BANK which refuses to give me my money back. 


citibank Case ID XXXX
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XX/XX/1973 SS # XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX GA XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, 602A, and 602 A Section 2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Incorrect and conflicting information was reported inaccurately with two credit reporting agencies. I have contacted XXXX, Equifax, and XXXX regrading an inaccurate reporting of a court bankruptcy public record from XXXX which is no longer list on my Equifax Credit Report. I have asked for this discrepancy to be removed from my XXXX and XXXX XXXX XXXX.
Consumer complaint received 2020-05-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN STRUGGLING TO HAVE THE BANK OF AMERICA FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT, MY CREDIT PROFILE, THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO BANK OF AMERICA AND TO XXXX XXXX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE SENT THEM ALL REQUIRED DOCUMENTS AND PERSONAL STATEMENTS. BUT I FEEL LIKE NO ONE CARES ABOUT THE CONSUMER.
Consumer complaint received 2023-01-06
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. (SC)

I have sent off dispute letters back in XX/XX/2022 about a billing error according to 15 USC 1681a ( 2 ) I Exclusions : " report containing information solely as to transactions or experiences between the consumer and the person making the report. Also according to 15 US Code 1666-Correction of billing errors these companies are in violation. Please update my payment history for XX/XX/2022, XX/XX/2022 & XX/XX/2022 to paid as agreed.