davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (PA)

I opened a checking account with Truist who currently holds my mortgage and now I have no online access to my mortgage account. I can only see my checking account information. 

On XX/XX/2022 I went to the Truist branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX I spoke with XXXX XXXX and we discuss products and applying for them. Later that day I went into the branch and told him I dont have access to my mortgage account online and he gave me his business card and told me he would follow up with me later that day. I did not hear from him so I emailed him at XXXX on XX/XX/2022 I called the branch several times and at the end of the business day I received a very vague email telling me he would monitor and keep me posted. 

He asked me to email my social security card because the social security number in the system was not the same and I explained to him that I had no issues accessing the app or the website prior to coming into the branch. He gave another vague excuse about the merger and integrated the systems. He said he would get it corrected with in two business days. 

I called the customer service number and was bounced around from department to department and the mortgage department said everything is showing up correct and they need to get me over to the online support team and the online support team told me the same thing that branch said about my social security number being incorrected. Wait times when calling the customer service number were over 4 hours at times and getting nowhere. 

On XX/XX/2022 I spoke with a man named XXXX XXXX from the online team and he would not honor any of my request to contact the mortgage department or transfer me to a manager after going back and forth with him for over an hour he disconnected the call he cut me off many times and repeated himself. I never felt like he listened to me I felt rushed and almost like I did not matter, he might have just wanted to get to his next call. When I asked for his employee ID he told me he could not provide that information but offer to give me his last name. 

From XX/XX/2022 to XX/XX/2022 and counting I still do not have online access to my mortgage account and no one from Truist has taking ownership of my issue to help me correct it.
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

EQUIFAX is breakfast the law according to the FCRA! They have changed my account history with my XXXX accounts and are now reporting missed payments after reporting 100 % on time payment history! This is a direct violation of 15 usc 1681e ( b ), 15 usc 1681b ( 2 ) and they are punishable pursuant 15 usc XXXX by 1,000 dollars per violation. I am submitting screenshots of how my reporting was correct and how they are now in violation of the FCRA by reporting inaccurate information! By law once a credit reporting agency deletes inaccurate information the information can not be placed back onto the consumers report!
Consumer complaint received 2022-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Concord Servicing Corporation (NC)

I made a payment of XXXX for my XXXX XXXX bill, I purchased a XXXX XXXX money order on XX/XX/XXXX and mailed it off that same day and in XXXX of XXXX I received a statement that my payment was never received, they never once called me but the statement says I now owe for 2 months, I called them, they were rude I tried to talk calm and reasonably with them but they always talked over me, I heard that postal services are behind and its my fault I could not find my money order stub with the number on it, so I called them again on XX/XX/XXXX about that payment with was still showing never received, I spoke to a representative named XXXX, I ask if they could let me talk to a supervisor and he says that they are going to tell me the same thing he told me and that was that I still owe the XXXX payment and I insisted that I speak to a supervisor because I said they have more authority than you to help me, he placed me on hold for over 5 minutes and came back and said they are all in meetings, I asked for the supervisor name and I get the run around, he says they will have someone to call me, they are always verifying your number and email, but they never call me or reach out to me by email, I was given an email address for them if I have a complaint, I did email and still no response. I called back on XX/XX/XXXX to talk to them, I again spoke to a representative and says that I have called several time to get someone to help me and to talk to a supervisor because all I wanted to know is if they can take that XXXX payment and put it at the end of my loan and I continue to make my original payments of {$120.00}, and I let them know that I was not happy about when you make a payment they are charging extra {$5.00} to do it over the phone with them or when you make it online and that was never told to me nor did I receive a letter from them that my loan was sold to them from XXXX XXXX, and Concord Services never provided me with there loan number and that my old loan number was still attached from XXXX. XXXX the supervisor I spoke to about putting that XXXX payment at the send says it should be no problem but he would have to send it to his Account specialist for a payment deferral request and it may take up to 3-4 business days for a response and he verified my phone number and email, I let everyone that I spoke to that I was very unhappy with the service that I have been receiving from Concord and this was on XX/XX/XXXX and here it is XXXX XXXX and no one has attempted to reach out to me about anything.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX of XXXX, i found errors in my credit report, and did a FTC affidavit, submitting to the bureaus. In reviewing my report, i still found items as simple as a address Ive never lived at, still on my report after being included in my affidavit to them. Iv'e never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX how hard is that?? I've called them only to be told, that they CAN'T remove it because a dead corporation, says i did live there. A dead corporation, dictating real live gods children, positions in life, wow. Call speak to a robot, a robot verifying if i'm a robot, and a dead corporation telling me where i live, who would believe this?? I'm a single mom, trying to survive, not trying to get over on anybody, i need some help, some clarity, thank you
Consumer complaint received 2022-03-12
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. (IL)

This is an ongoing case on unauthorized credit inquiries, i notified all parties and i sent a complaint to you guys before about the same thing, I didnt authorize the now 4 inquiries, what did you guys do? Its been over 30 days, some over 60 Days some OVER 90 DAYS and I still haven't got my issues resolved and soon I'm going to court with this because im not getting any assistance with you and Transunion and this is effecting my opportunities to move forward in life. These inquiries should removed from my report as soon as possible and my any points i lost should be repaired especially due to the negligence. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was approved for a XXXX  card with a {$150.00} annual fee. I didnt have a problem with the {$150.00} fee but I activated the card on XX/XX/2022 on XX/XX/2022 {$150.00} fee was added to the card. I checked to see how much I could credit to my card and I wasnt even allowed {$2000.00}. This card is fraudulent to me. I have preset credit limit cards with higher credit limits than that. There is no point to this Spark Business card. Its fraud. I closed the account immediately and I am still being charged {$150.00} annual fee for no reason. I had the card for one day and Capital One wants me to just give them {$150.00}. This is fraud.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

This is not a duplicate complaint, please DO NOT CLOSE IT. 

I have called the company multiple times regarding the incorrect 2021 IRS Tax Form 1098 as attached. Fay Servicing reported incorrect EIN to the IRS. I have provided them with the correct EIN and the W9, however, the company still has not resolved my problem despite all the promises. I am afraid of the late tax filing to IRS. The current EIN ending in 9770 is incorrect. See attached correct W9 for 25 High Investor LLC.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the 601. Short Title : Fair Credit Reporting Act alleged a LATE PAYMENT on allegedly XXXX XXXXXXXX XXXX XXXX # XXXX & on alleged date of XXXX has violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy.

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions.

3 ) And lastly, 15 USC 1666b ( a ) Reads as : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-12
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. (NC)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MD)

I had an account with Victoria secret and I was delinquent due to being unemployed. They sent my account to collections with XXXX XXXX. I paid XXXX XXXX  and they said that comenity bank would update my credit report. It still shows my account is delinquent while everything else that I paid off its updated as current.
Consumer complaint received 2021-10-04
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: PRESTIGE FINANCIAL SERVICES INC (GA)

I was a victim of Identity theft in XX/XX/2016 and I was carjacked with my purse inside of the vehicle. Someone took my social security and ID and opened a car loan in XX/XX/2016. I have been going back in forth with Prestige Financial to remove this item from my credit report and they have not been cooperative.I need this item to remove from my credit report so that I will be able to purse a vehicle. This negative impact has affected my credit rating and is showing up on my credit report
Consumer complaint received 2022-03-12
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. (MD)

I disputed the inquiries online with XXXX and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the FTC, however, I was directed to the CFPB website. I contacted TransUnion via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and TransUnion, it has already been removed from XXXX. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On or around XX/XX/2021, I was notified by my credit bureau that a 30 day late was reported to my mortgage account. I have this account on auto/pay and in review of the payment history on the mortgage website ( mrcooper.com ) it shows that my payment are PAID and not late for the month in question : XX/XX/2021. 

I tried calling the loan servicer, Mr. Cooper, several times and it seems like each time, I get a different answer. It seems like the representative did not have the authority to resolve the matter after verifying that indeed the account is paid on time. Then, they said they will report it correctly to the credit bureaus correctly. Another rep asked me to submit the proof of payment when we can both see that it's paid and posted onto their website. 

I would like Nationstar Mortgage LLC/ Mr. Cooper to fix this wrong and update to the credit bureaus correctly and not make me just through hoops and having to file this complaint with CFPB.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (OH)

Emails from Barclay card contain third-party trackers even in service related communication. Two common spy trackers ( also known as pixel tracker, web beacon ) are from XXXX XXXX with domains like XXXX XXXX XXXX XXXX, and XXXX  with domains like XXXX XXXX XXXX XXXX These email trackers are invisible. Such trackers usually collect IP address, location, time of opening the emails, device type and operating system, forwarded email addresses. Being unconsented, these are examples of breaking receipts ' trust and XXXX  violations of all privacy laws.
Consumer complaint received 2021-10-04
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. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-04
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been writing letters to this company and calling them informing them that they're in violation of the FCRA form furnishing a consumer report on me without my consent. They told me that it was legal for them to do so which is false. With this tactic that they are using is preventing me from buying a house or anything else and I sent them a letter recently telling them to take those accounts off of my consumer report and I need them removed immediately. THIS NOT A DUPLICATE COMPLAINT!
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (NC)

On XX/XX/2021, I mailed certified letters out to XXXX, XXXX XXXX, Equifax, and XXXX requesting them to remove Dept of Ed/ XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.
Consumer complaint received 2022-03-12
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. (PA)

Hi, my name is XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.