davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX : Fraudulent check for {$4400.00} was cashed by an individual ( criminal ). He altered my check to XXXX to him personally and altered the amount from {$400.00} to {$4400.00}. My bank was Suntrust ( Truist ) and depository bank was XXXX XXXX XXXX ( XXXX XXXX XXXX ). Police report was filed. 

XX/XX/XXXX : Fraud identified from Truist statement, confirmed by check copy, and bank was notified of fraud. Bank teller printed check for review and agreed check was visibly fraudulent and bank manager was informed and agreed the check was visibly fraudulent, with obvious white outs and overwriting. 

XX/XX/XXXX : Bank called me once to request additional information. Phone number not recognized and call not heard. 
XX/XX/XXXX-XX/XX/XXXX : Ongoing contacts with Truist bank employees. 

XX/XX/XXXX-XX/XX/XXXX : Affidavit requested and returned. 

XX/XX/XXXX : XXXX XXXX XXXX notifies Truist of denied claim. XXXX XXXX XXXX states bank is not liable as bank was not notified of the alteration within 30 calendar days from the date the bank makes the statement on which the error first appeared available to you. 
XX/XX/XXXX : Truist notifies me of claim denial. Denial referencedXX/XX/XXXX denial for failure to notify the bank within 30 calendar days from discovery. Truist denial is unfair and abusive and justifies regulatory review, as the bank was not providing quality and service by administering the claim in a negligent manner that harmed the consumer. 

XX/XX/XXXX : Letter to Chief Legal Officer requesting payment. XXXX XXXX, XXXX : Claim denied. XXXX XXXX email to CLO, XXXX XXXX denied, follow up denied XXXX XXXX. XXXX XXXX, XXXX attorney letter to Chief Legal Officer requesting payment, XX/XX/XXXX XXXX claim denied.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a public record on my Transunion credit file I have submitted documents to dispute this item with no response. I have sent these documents certified mail so i know they received them.. I requested a method of validation for this bankruptcy that transunion says is accurate.. i contacted the furniture of public records which is XXXX and disputed this information I received evidence that there no record of a bankruptcy or ref number to that account in their system.. so Transunion claims to be verified as accurate is either untrue or just a lie but this information is inaccurate and should e removed immediately, I also sent identity theft and police report in regard this this matter and 12 INQUIRES that have not been address
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (GA)

I had a vacation rental in XX/XX/2021 and I had charged the rental on my Visa account. I had mentioned to the vacation rental company that my daughter had health issues and would need to bring her XXXX XXXX. I was told it was not a problem and I would need her certificate. Since the American disabilities act clearly was in the contact I had no reason to doubt that this would be accepted. The vacation home sold apparently days before i arrived and the new owners were unaware that I had been told this and they had cameras in the home. The agency charged me with a {$1400.00} cleaning fee texting the new owners that my husband had authorized this. I actually tried to work with the agency for several weeks, I had sent pictures of how I had cleaned the home ( which i should not have had to do but it was not clean, very dusty due to COVID shutdown my guess ) and the agency acknowledged my pictures and thanked me but were not able to get the new owners to even consider working with me so at that point I disputed the charge as the visa card company did not have my permission and I have not had a husband in 20 years and there has never been anyone authorized to sign on my Visa account. When I filed the dispute the VIsa company said that I clearly had a valid dispute. They basically took the response of the vacation rental agency and sent it to me claiming they were not accepting the dispute. I have done everything i can to try to hold the credit card company accountable for accepting a charge that was not authorized. They have now billed me and even sent me a threatening letter that if I do not pay they will report to credit bureau.
Consumer complaint received 2021-10-07
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. (GA)

A few weeks ago I had a fraudulent account report to my credit report, this account is fraudulent because I do not owe any lender or creditor. Not to mention I was never sent a letter informing me as the consumer at least 5 days prior to it reporting that this alleged debt was even mine. So now almost 30 days ago I sent a letter about about me demanding this fraudulent account be removed or show viable proof that it is even mine to begin with! These reporting agencies need to remove this account IMMEDIATELY!
Consumer complaint received 2021-10-07
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: TD BANK US HOLDING COMPANY (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-07
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. (FL)

This is crazy! The amount of incorrect information thats being reported on my credit report is ridiculous. These credit bureau should be ashamed of themselves and its not fair that they get to report what they feel like reporting and its hurting my personal life. I wrote a dispute letter XX/XX/2021 and sent it certified so I can make sure they get my letter. Im going to attach all my letters I sent out, return receipts that I got and proof of my Identity. I want this issue resolved immediately. Please help me take care of this matter CFPB. Thank you
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McNeil & Meyers Asset Management Group, LLC (LA)

I had previously reached out to this company on or about XX/XX/XXXX, because I had something placed on my credit report, In the amount of {$700.00} dollars. I had no knowledge of where this account came from, they instantly removed the account from my credit report after speaking with them on the phone. Someone called on or about XX/XX/XXXX to speak to me about a debt that they had tried to collect, in that conversation I let them know that I only wanted mail correspondence and to stop calling me. A week later, I received another call from the same company, I stated on their recorded line that I only wanted to have a mail correspondence for my records. This company has called me every week and has yet to send mail correspondence. On XX/XX/XXXX, I was called again, I attempted to set up and arrangement with the company in order to pay back said debt although the debt had not been verified, after asking them how much they had paid for the debt, I was offered a payment plan for {$350.00} dollars, I was sent an email with a portal to pay but with no set amount and with no account information. XXXX XXXX then told me that this account would be added to my credit report and that I had to pay it or it was destroy whatever I had planned for the future, I was also told that they were not a debt collection agency and that they were lawyers hired to get their clients money back. On XXXX XXXX, the same company called my mother in law and then myself about the same debt and again on XX/XX/XXXX and XXXX. On XXXX XXXX, I was called in the middle of a job interview and was immediately dismissed. These calls have gone from down right annoying to straight up harmful.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a consent form to run a background check to qualify my for a rental house for me and my family the report came back and it was clear that it was not me the company refused to do any research to clarify the situation. 
I am a US XXXX  with a credit score of high XXXX 's and i have XXXX XXXX on the highest level. This company refused to take any steps to correct their error.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I received a message that my payment to XXXX XXXX XXXX was declined by Bank of America and I decided to call the bank 's customer service to check the problem and I was informed the Bank will close all my accounts and also one account that is not my but my former employer will also be closed. They did not send a prior advice or notice. They do not say any reason for it. I'm not working since XXXX due I had to leave for a treatment of a XXXX ( level XXXX ), after I receive a diagnostic from my doctor in XXXX, that it had XXXX to my XXXX, XXXX and XXXX. I need to know why they are doing it in a such bad time for me. It is supposed to have a solution or a letter if they need any additional information from myself and I received none. Besides I'm feeling bad about my health condition, I have to deal with a situation like this one, been unfairly treated by this bank.
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I had several unauthorized charges on my card in XXXX and XXXX and one of them was for Paypal. 

I do not have a pay pal account and this is the second time within the past few years they have stolen money from me. The last time they managed to get several thousand dollars before I was able to cancel my card. 

When I contacted them about the fraudulent charges they said I needed to set up an account with them in order to dispute the charge. I did not want to set up an account with them since they have a history of stealing my information. 

I did end up trying to login to the account they " created '' for me last time they stole money from me and they claim I owe them money from the previous fraudulent transactions.
Consumer complaint received 2021-10-07
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: ENCORE CAPITAL GROUP INC. (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
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: Experian Information Solutions Inc. (WA)

Furtherance to my complaint ( Complaint ID XXXX ) that I submitted on XX/XX/2022 against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the response from XXXX  dated XX/XX/2022, it was expected my Mortgage account and payments will be accurately updated with Credit Report Bureaus. Also, that XXXX XXXX XXXX will be more transparent. 
For the very first time, I noticed a new charge of XXXX ( {$15.00} ) called " XXXX XXXX '' on my Mortgage Statement that was due on XX/XX/2022. As a result, I made frantic efforts to speak with a XXXX representative to explain the reason for the new charge. It is on record that the XXXX representative feign ignorance of the new charge and promised to get back to me when she is able to know the new reason for such a charge. Since XX/XX/2022 till date, no person from XXXX XXXX XXXX has ever called me on the phone or written to me on why such a charge of XXXX ( {$15.00} ) called " Corporate Advance ''. All subsequent Mortgage Statements since XX/XX/2022 include the " Corporate Advance '' charge of {$15.00}. However, I have made it a conscious decision since XX/XX/2022 not to include the " Corporate Advance '' {$15.00} charge in my monthly Mortgage payments, because the XXXX XXXX XXXX ' staff that I had to opportunity to once make an inquiry from could not provide a reason for such a charge. 
In XX/XX/2022, I noticed that All Three Credit Reporting Bureaus had entry for my Mortgage payments for the months of XXXX and XXXX, and when I spoke to XXXX of the Credit Reporting Bureaus, I was told that my Mortgage Company has reported " Nothing '' for the months of XXXX and XXXX in 2022. Even my most recent Credit Report from all three Credit Reporting Bureaus still shows no payments for the months of XXXX and XXXX in 2022. 
In addition, I have noticed on the last Mortgage Statement for the Year ending 2022 that the " Paid Year-To-Date '' Principal ( {$10000.00} ) ; Interest ( {$15000.00} ) ; and Escrow ( {$8400.00} ) as reported by XXXX are all less than the calculated amounts that I actually paid. 
I have attached to this complaint, the different Mortgage Statements received in year 2022, Bank Print-Out showing Payments received by XXXX XXXX XXXX, relevant pages of my Credit Report from Experian, XXXX, and XXXX showing XXXX entry of payments as reported by XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-07
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: Resurgent Capital Services L.P. (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-07
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. (GA)

On XX/XX/2021 I wrote a letter to all 3 credit bureaus in regards of items that I disagree with on my credit report after I pulled my report. I sent out my letter certified so I can keep track of all my documents because I know they have a certain amount of time for responding to my letters. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is unfair that these credit bureaus are putting crazy items on my report like this.
Consumer complaint received 2021-10-07
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: DISCOVER BANK (CA)

Contacted Discover Credit Card on XX/XX/21 in regards to a dispute for the amount of {$540.00} for a XXXX speaker that arrived not as described, discover did not resolve issue until XX/XX/21, which is well last the two billing cycle or 90 MAXIMUM time frame.
Consumer complaint received 2021-10-07
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. (FL)

I mailed out my dispute letters XXXX XXXX and as of today I have not received any results pertaining to my investigation results. This is a violation of my credit rights.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (CA)

I had a car loan with Bridgecrest. The car was totaled in XX/XX/XXXX, they were made aware of this. on XX/XX/XXXX they received {$14000.00} from my insurance, on XX/XX/XXXX they received payment from my warranty balance {$520.00}, on XX/XX/XXXX they received the GAP paid by XXXX {$2300.00}. Bridgecrest reported late payments for XXXX, XXXX, and XX/XX/XXXX after they received all payments prior to these dates. I called them XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about this issue. It took them until XX/XX/XXXX to get their accounting in order and update my account. If it is taking them that long to do their accounting I should have had to suffer with them violating my rights and destroying my credit. They even verified this inaccurate information to the credit bureaus the 3 times I have disputed this on XX/XX/XXXX, XX/XX/XXXX, XXXX. I recently needed to have emergency XXXX work, I applied for a loan and was denied due to their violations of my rights. I had to takeout money from my XXXX and pay a 10 % penalty also. I want them fined for reporting and verifying inaccurate information. And I would like some type of compensation for the money all of this has cost me, plus the fact that I have not been able to do what I need to do because my credit was destroyed by these 3 payments they continue to report. I have my account statement from Bridgecrest showing these payments and when they received them. Attached is the account statement sent to me by Bridgecrest showing all payments and when they were received. They received payments prior to XXXX, XXXX and XX/XX/XXXX and still reported late payments on my credit.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Account for XXXX was sold to XXXX XXXX XXXX and it was removed. Now in XXXX its been sold to another company and its back on my credit report. That account should be closed permanently.
Consumer complaint received 2021-09-21
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: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I AM A NATURAL PERSON AND I AM A VICTIM OF IDENTITY THEFT, FAIR COLLECTION & OUTSOURCING HAS OBTAINED MY INFORMATION ILLEGALLY AND HAS BEEN COMMITTING FRAUD USING MY PERSONAL NON PUBLIC INFORMATION. I AM AWARE AND HAVE PROOF THAT THIS COMPANY ILLEGALLY OBTAINED MY INFORMATION FROM XXXX XXXX XXXX HAVE SENT THIS COMPANY SEVERAL CORRESPONDENCEDEMANDING THAT THEY EITHER VALIDATE THIS ALLEGED DEBT OR CEASE & DESIST WITH ALL COLLECTION ACTIVITIES.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

The XXXX  score 8 algorithm is incorrectly penalizing my account for a delinquent payment when no such late payment is present. This delinquency is only present in the score 8 algorithm and not with any other scoring algorithm. I have checked my reports repeatedly and no delinquency is found. 

This first became an issue several years ago when I was looking at mortgages and my credit scores varied widely from agency to agency, I ultimately ended up not needing the credit so just ignored it in the hopes that whatever bug was present would be fixed. 

Recently, in XXXX 2021, I again was looking for a mortgage and was given a sub-par interest rate because of this supposed delinquency. Fortunately my partner was able to qualify independently so we were able to get an appropriate interest rate. However very recently, in XXXX of 2021, I discovered my credit limit had been reduced and when I asked for an extension I was denied. The reason was that I was given a poor score from the XXXX  8 algorithm which reported a serious delinquency as one of the major causes. 

The bank, Bank of America, informed me that the report used was generated from XXXX using the XXXX 8 algorithm. I checked my transunion report which is clean. 

While investigating this I found that it is a known problem that the XXXX  8 algorithm sometimes erroneously reports delinquent payments, for example this discussion the XXXX forums XXXX XXXX XXXX. I have attempted to contact XXXX  about this, but getting through to the right department has been difficult.
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

On XX/XX/2021 my lender, Homestar, paid three parcels from my escrow to XXXX county Taxes. I'm only supposed to pay for parcel number # XXXX XXXX and # XXXX XXXX. 
However, they also paid XXXX XXXX. Also, my property taxes weren't due until XX/XX/2021 but they said they paid in bulk to my county. However, my county never received payments for my property taxes as of XX/XX/2021 and could not cancel the taxes my lender paid from my escrow causing it to be short. 

I asked them if they could wait to do the escrow analysis until the payment was rejected by XXXX county tax office and they said they could not guarantee that and it was up to me to get the payment cancelled. How can I cancel a payment that was never sent? 

They also stated that because I was on forbearance I could not pay my escrow shortage until I was caught up on my payments even if I went on payment plans. This was not explained to me when I signed up for the forbearance program.