davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
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. (WI)

RE : Insufficient Response- FCRA Violation On XX/XX/2021 I submitted a complaint under case # XXXX and it was closed on the basis that TransUnion stated they will respond and investigate my complaint. 

After the CFPB closed my complaint, I received a GENERIC letter once again along with a copy of my credit report file # XXXX dated XX/XX/2021 indicating the item regarding the Bankruptcy has been verified. The letter was received on XX/XX/2021 VIA the United States Postal Service. It's evident that Transunion has refused to provide sufficient information as they are required by law. 

In my initial complaint filed on XX/XX/2021 I submitted a copy of my Fico credit report that showed the information was removed by XXXX and the information reporting for both TransUnion and XXXX did not match ; which means it was not 100 % accurate, fair or timely.

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is my final attempt to resolve this matter voluntarily or I will take every necessary step to ensure this complaint reaches the Attorney General offices XXXX XXXX. Also, I will be providing copies of all correspondences that were sent certified along with your responses to an attorney as proof of non-compliance as per the FCRA section 609 a ( 2 ).
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (SC)

I paid my Truist car loan payment XX/XX/XXXX, which was due on XX/XX/XXXX. 

After looking at my account Truist says there is " no activity '' on my account. I have a reference number sent to my on XX/XX/XXXX stating my confirmation number and details of payment. ( Confirmation Number : XXXX ) Payment Date : XX/XX/XXXX Payment Method : Personal Checking Bill Name : XXXX XXXX Loan Account Number : XXXX Amount Paid : {$780.00} Apply To : Regular Total Payment Amount : {$780.00} Truist Response in a Chat was : I understand your concerns regarding your loan payment and I apologize that we were unable to meet your expectations in servicing your banking needs. Please know that our goal is to provide superior client service by understanding our clients ' needs. Therefore, I have taken the liberty of logging a formal complaint on your behalf regarding this matter. Your comments will allow us to evaluate our current policies and make modifications as needed. We appreciate you bringing this matter to our attention. 

Their website shows no indication that a payment was made or in progress. They do not appropriately make it clear that a payments was made or in progress causing great concern to consumers who may think the payment did not go through and will make another payment without knowing the payment was made. 

Truist ( formerly BB & T ) refuses to make the necessary changes to their site, and also there is no product that indicates a consumer can inquire to a Auto Loan or a number to contact them for just an Auto Loan, only a personal loan, mortgage loan, credit cards etc... 

I believe their website and information regarding loan accounts is misleading ( UDAAP ), and could cause misapplied or overpayment on their loans. This will cause Credit Reporting issues and it appears there are some EFTA violations due to their misrepresentation of the outstanding balances due.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

To the best of my understanding, Homepoint mortgage outsources their servicing and changed their servicing agent. No previous notifications to me ( the Mortgagor ). Statements of " Old Homepoint '' still have the old address. I never received 2 very important documents. ( 1 ) Escrow statement - 2022 with a change of payment ( 2 ) Notice of change of mortgage service company. 

New " Home Point Financial '' claims no relationship with old " Homepoint ''. New " Home Point Financial '' has not received payments sent to old " Homepoint ''. As a result, fees are accruing. 

The change in payment and lost payments ( which I was never notified ) has caused a significant change in my credit with the credit bureaus. 

I have nothing in writing on a new address for New " Home Point Financial ''. How do I know I am sending money to a legitimate company??? All monthly statements including XX/XX/XXXX statement say to send money to old " Homepoint ''.
Consumer complaint received 2022-03-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MI)

I have been trying as the executer of my mother 's estate to get People 's united bank in XXXX to disperse my deceased  mother 's CD funds to the listed beneficiaries. I first went to the bank in XX/XX/2021 ( her death was XXXX ) and provided a death certificate. I was advised that I needed a letter of authority to disperse funds. Other accounts ( with different financial institutions and listed beneficiaries ) were dispersed without such requests. I eventually got a letter of authority from the probate court in XXXX  and provided this to them along with current addresses for all my siblings as beneficiaries. My mother had us all listed on this account. The People 's representative then stated that they wouldn't accept this letter of authority. I have since got the estate lawyer to apply pressure to disperse the funds, but they have gotten the run around as well. I had no such trouble with the many other bank accounts, ira accounts, or 401k accounts.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/XXXX, a fraudulent check was cashed on my checking account with SunTrust Bank. I called the Fraud Department at the bank. They froze the account and directed me to a local branch. I went to the branch office. They transferred the remaining money in my checking account to a new checking account. They indicated to me that the investigation could take up to 15 working days. 
Today is now XX/XX/XXXX, and the bank continues to tell me that their investigation is ongoing. They never call to give me an update on the investigation. I am being treated as the criminal here. 
The amount of the check was {$6500.00}.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (CO)

This is a complaint regarding my personal consumer account with XXXX XXXX. 

I was in talks with XXXX regarding my account, as it went out of service due to none payment. As agreed, the account balance was supposed to be transferred over to my business account, XXXX, XXXX, with the balance paid off on a monthly basis along with my current plan. I am making this complaint, additionally because of the fact that it is stated that I owe a total balance remaining of {$2900.00}. After a year+ of payments made towards my devices : XXXX XXXX XXXX * {$1200.00} ( 30 months ) * {$770.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$830.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$670.00} remaining The payment agreement was agreed upon as a buy one device, get one for free for the XXXX. 
In total, the said amount owed is actually at {$2200.00} However, with the buy one get one, the amount owed to XXXX is actually {$1600.00}. 

I am making a complain on misleading and deceptive practices in which I took responsible measures in order to ensure the integrity of my account and maintaining the trust I had with XXXX to continue paying the balances by agreement between myself and XXXX to transfer the balance over to my business account. 

At this point, I expect the balance to be nullified or to have the balance reversed, the collection item deleted immediately off my Experian and XXXX reports, and to transfer the balance immediately over to my business account as agreed upon. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-01-10
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: National Credit Adjusters, LLC (RI)

I opened a XXXX XXXX account ( stupidly ) in XXXX. It was stupid, not proud of it. I have paid for it. 
NCA ( creditors ) have been falsely reporting it as opened in XXXX. When I call them about it, they say its a typo and tell me to just wait for it to come off When I asked the credit bureaus, specifically XXXX, to please verify it, they said its verified. I asked how- being that even the creditors themselves have admitted it is incorrect information. They say we dont have to disclose to you any verifying documents. I asked, repeatedly, how they could have possibly verified the dates being that even the creditors have admitted they are wrong. They tell me take it up with the creditors. I tell them I have. Over and over again for the past year. They ignore me. 

Im at a loss. Its illegal to report inaccurate information but nobody seems to follow the law. They hang up on me, laugh in my face, tell me to just ride it out. 
I dont want to ride it out. Its against the law. Its illegal to be reporting something as XXXX when it was a stupid mistake I made as a kid. 

XXXX has lied about verifying the information. They havent. They have no documents. 

This is illegal and needs to be removed from my credit report.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This complaint is about COVID-19 forbearance repayment. The loan is in the name of XXXX XXXX XXXX ( maiden name ) I own a XXXX and my XXXX XXXX mortgage is serviced by Select Portfolio Servicing ( SPS ). I have a XXXX  living in my unit and I applied for and received COVID-19 forbearance relief. My COVID-19 forbearance relief ended in XX/XX/XXXX, so I applied for payment deferral in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I made four timely mortgage payments in the amount requested on the monthly statement. SPS kept asking me for " missing information '' ( 14 letters ). I provided the same information over and over again either via the telephone or by uploading documentation to the website. 
Then sometime at the end of XX/XX/XXXX, I was told that my application was declined because it was past 90 days old. I resubmitted the entire package, only to get a loan modification offer. I declined the loan modification, asking that I be considered for the payment deferral. I started both application processes stating that I wanted a payment deferral, not any of the other options available under the CARES ACT : payment deferral, loan modification, reinstatement, or repayment plan. SPS said that it was no longer considering me for any repayment options because they had offered me one : loan modification. I want a payment deferral so that I can refinance my 6 % interest mortgage. SPS does not refinance loans, but if they only offered me a loan modification, that would allow them to hold onto my loan for another 12-24 months, before another bank would let me refinance. I think that this is why SPS only offered a loan modification, instead of the payment deferral.
Consumer complaint received 2021-11-13
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: EQUIFAX, INC. (GA)

I AM. consumer XXXX XXXX  XXXX. I have rights that protect me, and I know that equifax company policy does not have jurisdiction over federal law. upon checking my consumer reports I see that Equifax is furnishing my information without my written consent pursuant to 15 USC1681 ( b ) ( 2 ) permissible purposes. this section states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Equifax does not have my written permission. I demand deletion of the tradelines listed below XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXs XXXX. 
No consent is identity theft. Equifax is committing federal crimes and utilizing my intellectual property with out my consent. Equifax is sharing my personal information name, address, and social security number, account numbers etc. You are a data collection agency you are an alleged bureau, and have no rights. Pursuant to Truth in lending act 15 usc 1601 103 definitions and rules of construction ( b ) BUREAU -- the term Bureau means the bureau of consumer financial protection. I demand that these tradelines be deleted immediately. violation of these laws will result in civil liabilty to 15 usc 1681 o. pursuant to this section any person negligent in failing to comply is liable to any consumer in an amount equal to the sum of any damages sustained by the consumer as a result of the failure, and attorneys fees. deletion of the requested tradelines will avoid me resulting in taking further steps due to nature of the offense that is currently taking place against consumer XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-08
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. (FL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX Rent Recovery # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-03-09
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. (PA)

In XX/XX/XXXX I started to fix my credit. I noticed sometime in XX/XX/XXXX a derogatory remark was added to my credit report ; when I investigated who they are, it turns out it was for a account that was already paid 3 months prior to it being reported. I began the dispute process and to this day they have refused to remove it off my credit report. 

I began disputing this account with TransUnion LLC every month since XX/XX/XXXX but I have not received verification of any kind or acknowledgement of receipt of any dispute letters I have sent to them. They have completely ignored all of my requests. 

The originator is XXXX XXXX who services credit for XXXX XXXX. The account then was sold to XXXX and I made XXXX payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$77.00} with the last payment of {$77.00}, totaling {$930.00}.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Refinanced existing mortgage with Bank of America in XX/XX/XXXX. Previous mortgage ( also with Bank of America ) included both my name and my husband 's name. Indicated to loan officers verbally and in writing that I wanted both names to appear on mortgage and was told that would happen.

After refinance closed I discovered that my name was the only one on the mortgage. Was not told at any time during the mortgage application process, underwriting, or closing process that this was the case. 

Called Bank of America and spoke 3 times with loan officer ( XX/XX/XXXX ), Assumptions Department ( XX/XX/XXXX ), and Customer service ( XX/XX/XXXX ), and they could not explain why this had occurred or describe a process to rectify this error. 

I want my husband 's name to be added to the mortgage. Thank you for your assistance.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (WV)

My mortgage includes two lots of land. One where my home is located and one vacant lot next to it.

I started a partial release of the vacant lot with XXXX XXXX in XXXX. 
XXXX then sold my mortgage to Freedom Mortgage in XXXX. 
Now I have been working with Freedom Mortgage to get the partial release and one of the steps is to get an appraisal on the home and land. I paid {$570.00} as requested to Single Source for an appraisal on XX/XX/2022. 
I then was told on XX/XX/2022 that the new price is {$770.00} for the appraisal. I did approve the new price as we have no other options as we need this for a partial release, but any reasonable consumer ( including myself ) considers this a UDAAP violation as well as bait and switch.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX  XXXX CT XXXX IN RESPONSE TO CFPB COMPLAINT : XXXX AMERICAN ADJUSTMENT BURE Last reported XX/XX/XXXX {$380.00} AMERICAN ADJUSTMENT Last reported XX/XX/XXXX {$150.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability
Consumer complaint received 2024-12-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (FL)

XX/XX/year> XXXX XXXX XXXX contact myself, my wife, my sister, and my mother regarding a debt. They confirmed they were speaking to me and confirmed my debt. I told them to stop contacting me. 

XX/XX/year> XXXX XXXX XXXX  contacted me at XXXX regarding the same debt. Confirmed who I was and the debt again. 

This violates the FDCPA XXXX in XXXX law. Which is as follows taken directly from XXXX XXXX  : In addition, the XXXX XXXX XXXX creates certain presumptions to help determine whether debt XXXX have violated this law. The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt : More than XXXX times within a XXXX period, or Within XXXX days after engaging in a telephone conversation with you about the particular debt.