davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

XX/XX/2018 {$7200.00} Called and visited local branch at : SunTrust XXXX XXXX XXXX XXXX, XXXX ga XXXX SunTrust placed an imaginary legal order debit on my business account without producing documentation and I don't owe any debts. 

Limited liability companies, or LLCs, are considered separate legal entities, wholly apart from their owners. This means the owners are not personally liable for the businesss debts and obligations. Likewise, the business is not liable for the personal debts and obligations of the individual owners. An LLCs bank account may be garnished if the debt is a business debt. If the debt is personal, SunTrust should not garnish the account. 

A garnishment does not occur until a creditor has proved that the debtor legally owes him the sum he seeks. When analyzing whether my LLCs bank account is subject to garnishment, the first step is I determined whether if the creditor has received a valid judgment against me as the debtor. Typically, the creditor must first sue you and secure a court order demanding that you pay the debt that's due. If the creditor has not received a judgment against you, my LLC account can not be garnished. 

Limited liability companies shield their owners from personal debts and obligations. If the debt is personal -- such as a personal loan made to you as an individual rather than as an agent of your LLC -- the LLC account can not be garnished.
Consumer complaint received 2019-08-26
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. (CA)

All three CRA 's have yet to fic the issue of a BK on my credit report that to this day affects my family getting the chance they deseve. Going back 5 years now Transunioun, XXXX and XXXX continue to report a discharged zero balance BK that was never proven with court records. I have never been to court, paid a dime or discharged or have any debt forgiven in such a manner. I never attended a settlement conference, never appeared in federal court on the matter and yet here we are. The CRA 's simply check with XXXX XXXX electronically and on we go with the nightmere.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYCAPITAL/CHLD has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-04-29
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. (GA)

On XX/XX/XXXX & XX/XX/XXXX, I XXXX XXXX. XXXX sent XXXX detailed dispute letter ( s ) referencing the inaccuracies listed on my credit report. 

The report detailed inaccuracies in items reporting negatively that should not be, Collections that are not related to me, and unknown inquires.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have been trying to talk to the TransUnion over and over again about the inquiry. 
And time and time again they have been Replying with I quote theirs nothing we can do for you. I just would very much like this situation too be handled by a higher up. 
Because obviously Im not get nowhere Near resolving the matter. So I do appreciate it If my all inquiries will be removed do to non Authorized and security breach. There are 19 inquiries that needs to be removed. 
Like yesterday. I really do appreciate all Your help and looking forward on hearing back from you thank you and have a blessed day!!
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (MN)

Gurstel Law Firm sent summons and specifically requested I send response to them. I did so within the 20 days. Only to see that they went and got default judgement, but a couple of days later after I had called someone at the firm, I noticed they had filed a request to vacate judgement. Even though it was vacated, I feel like it was an intimidation tactic. That record, even though vacated is available on the internet.I 've tried calling several times but can't seem to get anyone.
Consumer complaint received 2019-08-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Direct Recovery Services, LLC (KS)

On XX/XX/XXXX, I received a pre-recorded phone call on my cellular v-mail for my ex-husband. The company stated they represented Direct Recovery Services. I have saved the message for my ex-husband in case he needs to hire an attorney. 

The call came from XXXX. It stated he has until XXXX on Friday to call back to make arrangements or they will proceed with further action. They even left his account number on my v-mail and referred to their website for payment, www.directrecoveryservices.com. 

XXXX and I have been divorced for 19 years. This company previously called my home phone number about two months ago. At the time I told them we were no longer married, had not been since XX/XX/XXXX, and to cease placing calls to my phone numbers. I also provided them with XXXX 's cell phone number which works and who he works for if they want to place a call there. They have absolutely no reason to continue to call any of my numbers to reach him. Furthermore, I worked in collections and was a XXXX XXXX earlier in my career ( XX/XX/XXXXs ), so I am fully aware of collection laws, such as the Fair Debt Collection Act. What this company is doing is nothing more than harassment. I have asked them to stop calling my numbers, they know we are no longer married, yet they continue to call anyhow. I am assuming they believe humiliating XXXX will get him to pay his debts. It won't. There is a right way and a wrong way to go about collecting on a debt. This company completely crossed the line and needs to be held accountable. 

I called the number back and a person named XXXX XXXX answered. He claimed to be an account manager. When I told him about the repeated phone calls, and before I had the chance to give him the account number or my ex-husband 's name, he told me he removed my name and phone number from the database and hung up on me. 

I am also filing reports also with the KS state attorney 's general and the XXXX. I have alerted XXXX to the problem and he will be filing as well.
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)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CT)

My name is XXXX XXXX im change this name in XX/XX/2020 im send many time via mail to the address provide Best Buy Credit Card for update my new name. But for any reason that is not possible all the companies change and update my personal information but Best Buy no do that because all the time never receive the information im send. Today im speak with the costumer service and this person talk to me y the best advice i close the account. Impossible for me the las XX/XX/XXXX somebody use my old name ( XXXX XXXX ) and she opened new account this is fraud and identity thief so my credit report update the new name and close the old name but this company don't do that.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

Synchrony Bank allowed Lowes to charge my advantage account based upon a proposal and then is not willing to rectify by breaking communication and subjugating the process.. Lowes has made a mockery of the way they are dealing with me
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NY)

Paycheck is being garnished for a credit card Under XXXX, XXXX XXXX XXXX that was discharged under midland funding in XXXX. Midland funding online shows dates of payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yet XXXX XXXX XXXX says acct was opened on XX/XX/XXXX, last payment on XX/XX/XXXX and opened on XX/XX/XXXX. 

Last statement from XXXX given to XXXX XXXX XXXX shows a Credit report shows a cancellation of debt amount added to last statement of XX/XX/XXXX.. Which was the bankruptcy discharged old account. 

Credit report shows i had a XXXX acct closed XX/XX/XXXX paid as agreed opened XX/XX/XXXX and another closed XX/XX/XXXX opened XX/XX/XXXX. They are bouncing my account all around to collect a debt that was discharged. 

I have emailed them proof and no response except my paycheck is now being garnished. 

My bankruptcy attorney is trying to help but I'm a single mother just fresh out of a XXXX XXXX marriage ( ended only 1 week ago ) a With XXXX kids. 

I need help
Consumer complaint received 2024-09-04
Product: Credit reporting 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 formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOUTHSTATE CORPORATION (GA)

SouthState Bank account received a wire transfer of {$160000.00} on XX/XX/2022, which was made by mistake. They charged me a {$15.00} fee for receiving this. Then, without notifying me or requesting my permission, on XX/XX/2022, they debited my account for the {$160000.00}. I called customer service and they weren't able to say why or even look into it, they told me to go to a branch that's 40 minutes away from my house. The statement description was " XXXX XXXX XXXX XXXX XXXX XXXX ''. A state-chartered bank should not be able to initiate a {$160000.00} transaction without at least notifying a customer.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2019-04-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (GA)

My VA mortgage servicing recently switched from XXXX XXXX to M & T Bank on XX/XX/XXXX. I have had zero issues with XXXX XXXX since my husband and I have had our mortgage serviced by them over the last few years. 

My husband passed away XX/XX/XXXX. The mortgage note at the bank was solely in his name, but I am a joint tenant with rights of survivorship on the warranty deed. After my husband 's death, I sent XXXX XXXX his death certificate, warranty deed, etc. They noted on the account my information so they could talk to me. My husband did not have a will or an estate, and I have continued to make the payments and have never been late or had any issues. 

I have placed at least 6-7 calls to M & T bank and have talked to one rude person after another. The first couple of times, they said they had none of the information from XXXX XXXX. So I called XXXX XXXX, and they said all the information was transferred. No one at M & T would even talk to me. Instead, they act like I'm committing a crime because I continue to pay my mortgage in my deceased husband 's name. Today, I talked to a supervisor named XXXX who accused me of changing the account to read " the estate of '' and his attitude and condescending nature made me so nervous. It feels like elder abuse when a client service rep tells a client they are " XXXX. '' I know I could have refinanced the loan, but I am on a fixed income and there was no benefit in my doing that. I know this situation isn't that common, but I got different answers from everyone I talked to. My husband died and I continue to pay my mortgage and all of my bills on time and instead of M & T bank treating me like a new potential customer, they treated me like dirt. I need someone at M & T with some correct legal knowledge of a widows rights in this situation. Clearly they have zero policies and procedures to reference this because I was told something different every time I called. One person told me I shouldn't be paying the loan and if I was claiming the interest on my taxes then I was breaking the law. How awful to scare someone like that when I was advised by an accountant and my estate lawyer. 

I know customers don't have a say in which bank services their mortgage, but clearly M & T can't handle the transition and have respect for new clients.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXXXXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.
Consumer complaint received 2019-10-22
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. (VA)

XXXX  report shows that I have a credit card account with XXXX XXXX XXXX  and that I have a {$3000.00} outstanding debt. It also shows another name as also known as which is similar to my name. It also shows a random address that I have never been associated with. 
I also have a few other accounts that were opened fraudulently. 
I do not own any accounts other than XXXX XXXX XXXX XXXX which is closed and perfectly paid. 
I was a student abroad when the other accounts were opened here under my name. 
I am in no way associated with any of the accounts other than the previously mentioned one. 
My credit is going down the drain because of this fraud and I would like it to be fixed as soon as possible.
Consumer complaint received 2019-10-22
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. (NV)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX**** ; XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX** ; XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX** and XXXX  XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever  please change this, I have a good relationship with these companies.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ;
Consumer complaint received 2019-10-22
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ;