davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I was informed that my vehicle was out for repossession. It came to my attention that my loan ( originally through Suntrust ) was now owned by Truist and that my payments had stopped auto drafting.

I was told to send a transfer in the amount of {$2000.00} for next day and did so, confirmed by my bank. 

On XX/XX/XXXX, my vehicle was repossessed. I did not find this out until XX/XX/XXXX when I returned back from a trip. 

When I called Truist bank, they told me that I was still 100+ days late on payment and that they could not find my payment. 

I provided them with trace numbers and various other details confirming my payment, however, they refuse to release my vehicle to me until their research team is able to locate and post my payment.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NY)

Obtained Discover credit card ..XXXX, XXXX Made a {$4600.00}. balance transfer at that time. 
0 % interest on balance transfers and purchases. 

Have paid monthly purchase charges on statements in full and included an additional amount, assuming the extra money would be applied to the balance transfer amount due. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I was told the extra money was applied to other charges made to the account.. 

Why are my payments in excess of the purchases amount shown on the monthly statement not applied to the balance transfer amount due?
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (NY)

The company Calvary port folio have my credit in collection and every month put interest I never Have credit with this company or other creditor they buy the account is fraud credit because Im in a XXXX  is imposible I can use my credit I trade to explain this company but they continue put me in collections an put interest please I need help I have prob Im in a XXXX  at the moment this credit is in my record.
Consumer complaint received 2022-06-30
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. (GA)

In accordance with the fair credit reporting act XXXX account # XXXX name 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 602 A. It also states a consumer reporting agency can not furnish account without written instructions.
Consumer complaint received 2022-07-01
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. (PA)

The Credit bureaus stated - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, - Account name missing XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clear states the credit bureaus have 5 days to notify me from when they receives my disputes.

They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ( IN ( li ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2020-05-23
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. (AL)

My dispute is with XXXX XXXX. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX  XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the bigamy charges. He fraudulantly kept the house

( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges.  According to the magistrate.

I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But XXXX insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. XXXX  lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added. 
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing? 

From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : XXXX/XXXX  XXXX/XXXX ( XXXX  ) XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  XXXX/XXXX  ( ( XXXXVisa ) XXXX/XXXX  ( XXXX  )
Consumer complaint received 2022-06-30
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 XXXX account # XXXX name 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 602 A. It also states a consumer reporting agency can not furnish account without written instructions.
Consumer complaint received 2020-05-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I spoke with the supervisor of public relation at Quicken Loans to resolve my refund issue. I was charged for an appraisal. the VA doesn't require an appraisal and when I spoke to the public relation they mention they aren't at liberty to disclose the VA doesn't require the appraisal. We as consumers are hoping the mortgage companies give accurate information to best work for the client. It was misleading to know that they added on the appraisal and I was under the knowledge that it was a requirement. I signed documents to say I understand but they mislead me to believe that this is also the requirement of the VA to offer an appraisal for a refinance on a home.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (UT)

My Credit Score from CREDCO-SB submitted to a mortgage company is at XXXX ' ( XXXX ) which was based on XX/XX/2019. It was reported that I have -'serious delinquency ' -'too many delinquent accounts ' -delinquent account appears too recent ' These are not true and I refute all of these. We pay off our credit cards in full every month. 

Thanks, XXXX XXXX
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion did not properly investigate my credit dispute. I sent them all the required documentation. The letter they sent to me states that the information was verified but they did not include the manner in which they verified the information, which I asked for in my dispute.
Consumer complaint received 2022-06-30
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. (NV)

My mortgage loan account credit reporting is reporting the mortgage account as " An Account With Adverse Information ''. My understanding is that this is inconsistent with the CARES Act. I have recently modified my VA mortgage after Covid-deferment and mortgage modification. I have fulfilled my obligations every step of the way. I have made the last four principal & interest payments early. This is not showing on my credit reports even though I have uploaded proof. My understanding is that the VA is behind on their paperwork and they owe my mortgage company a check for {$9800.00}. Well & good, but it isn't appropriate for there to be negative information on my credit report on that basis. Put the negative information on the VA 's credit report, by gum. Please see my uploaded and / or US Posted documentation which I have long since provided to the credit reporting bureaux. I am in process of restructuring my insolvent finances, so this incorrect credit reporting, which dropped my scores by about XXXX points, could literally have life & death effects on me. So please do hurry to do that which will restore my credit reports. Thank you, yours sincerely, XXXX...
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

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

Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 
15 USC 1681 Section 602.A states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 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 accurate.
Consumer complaint received 2020-05-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Eastern Asset Services LLC (TX)

In XXXX I received a threatening phone call from EAS XXXX on XXXX   behalf from XXXX. The threat was to file criminal charges on me and I didn't need that problem. So I somewhat agreed but never signed the electronic document they send me after thinking it through. During this time several loan companies started making deposits into my account without me requesting them. However, I had given them my debit card number and they debited {$400.00} from my account with out the documents being signed. The next payment was scheduled from XX/XX/20, I lost my debit card and had to order a new one. Of course that morning Ms. XXXX called like 5 times, I was sleep. So that evening she called twice from a Private Number and started telling me I need to go to the bank and get a replacement. That was totally out of line on her part after I told her once the card was received I would call her. That wasn't good enough we got into an argument. After she hung up, 5 minutes or so, I received a call that reflected XXXX XXXX Pct 1 phone number. The man identified himself as a XXXX County Sheriff and asked was I home, he needed to come by to discuss a fraud case. I told him I didn't have a fraud case but sure come on by and I will have XXXX County meet him here. I called HC and a deputy came to my home and waiting on this individual but he never showed up. Of course, he hung up. At this point, I would like to not only file a complaint but receive my {$400.00} back.
Consumer complaint received 2022-07-01
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX EMPLOYER : XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/XX/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 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 XXXX XXXXXXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

Today ( XX/XX/2020 ) I tried to lift a freeze on my credit report temporarily. I also tried the one-time pin. Neither of these options work with the PIN and information I have used previously. Last time I had this issue, I was able to call Experian. This time, I am given an automated prompt to file half a dozen documents by mail. I only have this issue with Experian, and it happens every time I try to lift the freeze. I don't see how this is acceptable, especially during a time when access to credit and remaining secure is so important.
Consumer complaint received 2020-05-31
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: National Consumer Telecom & Utilities Exchange, Inc. (MI)

on XXXX XXXX a XXXX XXXX XXXX  account was opened at a XXXX in XXXX michigan.This account is fraud and it was unauthorized
Consumer complaint received 2022-07-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NC)

From the time of application we were given five different mortgage processors, each of which shared no information with the others. My husband, XXXX XXXX, the closing attorney, and our sellers agents sent multiple documents five times or more. When the negligence and incompetence of PNC delayed closing they had the audacity to blame us because they, PNC, failed to disclose documents they still needed until last minute and assigned blame to us when they didn't already have those. 
PNC then charged us {$400.00} to keep our rate because our rate lock expired due to THEIR failure. 
Futher PNC failed to disclose that the seller could only offer 3.5 % towards closing costs, leaving us at the signing table with $ XXXX less, money that we could have negotiated be put towards repairs had we been disclosed.
Consumer complaint received 2022-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

In a letter dated XX/XX/2022, sent via the CFPB, responding to complaints XXXX and XXXX, Shellpoint made the following statement : " XXXX, XXXX, not in its individual capacity, but solely as trustee on behalf of XXXX  XXXX Trust is currently the owner of the account number ending in XXXX '' " XXXX, XXXX, not in its individual capacity, but solely as trustee on behalf of XXXX  XXXX Trust holds legal title to your loan XXXX XXXX and has hired Shellpoint to service your mortgage loan and to act as agent for them. The servicer is responsible for ongoing administration of your loan, including receipt and processing of payments, sending your billing statements, managing the escrow account and paying escrow items, resolution of payment-related issues, receipt of legal notices, and response to any other inquiries you may have regarding the servicing of your loan. The owner does not service the loan. All correspondence and inquiries concerning your loan should be addressed to Shellpoint. '' They then state : " Shellpoint is unable to execute this deferment offer ... '' and " ... Shellpoint resubmitted your deferment request to your investor, and a 9-month deferment was approved, but you were required to submit two monthly installments '' The problem I have here is when I talk to Shellpoint, they state that they are unable to do things ( like help us exit forbearance based on the CARES act ) because the Investor needs to approve. 

However, they are also stating that XXXX does not have anything to do with the loan besides owning it, and everything must go through them. 

It seems Shellpoint has created a situation where it is impossible for us, as borrowers. I can not work with them because XXXX has final say as the owner, but I can not talk to XXXX. 

I wonder whose call report or 9C this mortgage sits. Is it XXXX? If so they are bound by the banking regulations for originating it. 

If, instead, it was originated as an MBS or other securitized vehicle, the investor should not have any say into whether or not I am granted a forbearance, an extension to a forbearance, etc.
Consumer complaint received 2022-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (GA)

Debt Collection Agency did not send any correspondence that I owed the medical debt, which the debt collection agency did not notify me before inserting this {$59.00} small debt on the credit report, which is a violation of my consumer rights and they violated the Fair Credit Reporting Act. Also, I have paid this account with the collection agency, and I am demanding that this account is removed from my credit file immediately! If not, then I am taking this matter to court and filing a lawsuit. Also, I have proof that this debt of {$59.00} is paid. Also, the collection agency people did not e-mail nor fax me a copy of my paid receipt, which they are wrong on that level as well.