davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Fifth Third Bank has continually incorrectly applied an escrow to my account since XX/XX/XXXX. Despite multiple attempts to fix the problem they continue to process my payments as either late or missing. 

In XXXX of XXXX an escrow was placed on my account for hazard insurance I already had on my home. The letter was sent in XXXX, however my current insurance was set to renew at the end of the year ( expiring XX/XX/XXXX ). Once I realized they were still not removing the escrow despite having insurance I called on XX/XX/XXXX, provided my insurance once again and was assured it was taken care of. Later in the month I was then notified my payment was never processed due to it being short due to the escrow for insurance I then called on XX/XX/XXXX and XX/XX/XXXX going through the same process and each time being told it was taken care of. I was then again notified the insurance was never processed and called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time being assured it will be taken care of, to then repeat the same problem the following month. On XXXX I was finally able to get hold of a manager who then did a phone call to obtain my insurance letter. Once again was assured it was taken care off. This issue remains to this day. I have tried several times to resolve this issue with the bank in regards to getting my account marked as up to date and having the negative remarks on my credit report removed. My most recent call to address the problem was on XX/XX/XXXX to once again attempt to resolve the same issue, once again being told it was taken care and still my account is noted as past due. Today, XXXX, I called the office of the president of the bank was told my account was marked as past due, and that they were unsure why and an agent would call me back. Obviously I am not hopeful that anything will change. 

Throughout this entire process I have sent the accurate mortgage amount to the company on the XXXX for the following month. Despite this, they have not processed my payment accurately across the previous 6 months resulting in my credit score dropping over 100 points.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting act the account listed below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stat
es a consumer reporting agency can not furnish a account without my written instructions. 

XXXX ID : XXXX Account Number ( Last 4 ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX, XXXX. 
Charge Off Balance : {$1900.00}
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/2022, I deposited a large escrow settlement check drawn on a local reputable bank into my checking account via my local bank branches ATM. They didn't give me any portion of this check upon deposit or the next day. I called to see check on funds funds availability the next day, XX/XX/XXXX and the branch representative said the entire check would be available to me on the XXXX of XXXX. Well it's the XXXX of XXXX today and still not a single penny of this check is available to me.
Consumer complaint received 2022-04-10
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I have previously submitted a claim to Trusit regarding notification of an increased escrow payment of XXXX with less than 30 days notice. The increase in escrow was due to a mistake made by Truist, they paid my annual taxes twice and overdrew the account. Instead of taking responsibility for the mistake, they have repeatedly ignored my request to adjust my mortgage payment while the issue is resolved. Both investigations by myself and Trusit have determined that they paid the city of XXXX XXXX more than necessary. They have applied for a refund, however, while the refund is processing, my current monthly payments are increased by over XXXX due to the overdrawn account. The burden of this increased payment should not fall on me as the consumer. I believe this was done maliciously by Truist to force foreclosure. I have reached out multiple times by phone with no response. They call and leave messages with no updates letting me know a letter will be sent in the mail. They closed my original case with the CPFP after resolving absolutely nothing regarding the monthly payment increase. As I stated before, I believe their practices are predatory, a violation of RESPA among other laws and I will be taking legal action at this point since Truist is unable to do the right thing.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX ( Opened XX/XX/XXXX, Highest Balance {$20000.00} ), XXXX  - XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-25
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)

In Accordance with fair credit reporting act XXXX accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-08
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. (NY)

Over last 6 months I disputed a collection with XXXX XXXX XXXX. I had requested a VALIDATION OF THIS DEBT to a response verified. It is obvious it was not investigated as I requested but simply put through the e-Oscar system. Per my rights, for a company to report I owe a debt they must show the credit agency upon request a original signed contract between me and them to deem valid. This obviously has not been done. 

XXXX and XXXX has deleted this account for failing validation. But transunion is not complying.
Consumer complaint received 2022-08-22
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2018 Balance $ 0-Late/Closed Late Dates XXXX
Consumer complaint received 2022-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Went to check on my credit report to find two debt collections mentioned. Wrote letters to both around Winter XXXX. One of the collections removed the mark but the other does not. I keep writing them letters asking for verification or proof that this debt is mine. Called twice as well and written a total of 6 letters over a period of 6 months. Each time they send back the same letter stating the amount of XXXX is due for an emergency room I can not find online. When I called they gave me a random date in XX/XX/XXXX and said I used my Car insurance. the only time I used my car insurance was back in XXXX and that was handled by insurance as I was hit by another driver. I have written to them that a complain would be submitted if they can't provide proof that this debt is mine, so that is where I'm at.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 at XXXX XXXX  a woman went into A Bank of America branch @ Address : XXXX XXXX XXXX, XXXX, TX XXXX and withdrew XXXX from my husband and I joint account. The bank stated that she said that she was his daughter, but no one notified me and my name is on the account as joint owner. The bank teller gave her enough information regarding the account that this woman was able to get my husbands username and change the password to gain online access to the account information. My information was also compromised and I am now receiving alerts on my credit report that my information has been compromised. I feel that the bank was negligent because my husband had a XXXX XXXX XXXX and is XXXX. He can not type on a computer, so someone in the personal care home where he resides, or some one else now has access to my personal information as well as his. I believe this was possible due to negligence of the Bank of America employee 's negligence in handling the situation. I am filing this complaint because in a week my Credit Score has plummeted. I am very upset and frustrated by the entire incident.
Consumer complaint received 2022-09-19
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. (NC)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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. (TN)

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX  Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING XXXX COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (TX)

As of today I was alerted that there's a new inquiry on my report from " XXXX XXXX '' when I googled that company it was a company that ran SS # for rental apartments. I am not looking for an apartment nor have I authorized any such activity. I am now afraid someone is using my ss #. 
I did not authorized XXXX XXXX to run my credit. This is fraud.
Consumer complaint received 2022-06-08
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-08
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-08
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX, Account Number XXXX, has violated my rights to fairness and privacy. 

At no time did I agree this transaction be disclosed : -15 U.S. Code 1681, Title 602, Section ( a ), outlines my right to fairness and privacy At no time did I direct the creditor to furnish any reports, either in writing or otherwise : -15 U.S. Code 1681, Title 604, Section ( a ), Paragraph 2, further states that a consumer reporting agency may furnish an account only with my written instructions
Consumer complaint received 2022-06-08
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. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX by XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.