davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am a XXXXXXXX XXXX and I have a second mortgage with Suntrust mortgage, now Truist. After my forbearance ended in XXXX XXXX I applied for a loan modification in XXXX, to reduce my interest rate of 6 %, and submitted all the required documents to Suntrust. Later, Suntrust requested for another set of last 2 pay stubs, even though I had included those in my original application. They said they wanted current ones, which I sent to them on XX/XX/. They told me that was the only thing that was left for them to process my application, and that I do not need to make any payments until they make a decision on my loan modification application. They had also told me, they will not report my loan to the credit bureau, until they finalize and approve or deny the application. So, I waited to hear from them. However, Suntrust only sent me a letter dated XX/XX/XXXX, to request for the same documents I had sent them in my original application, so I called them on XXXX  to find out what they did with the same documents I had sent them, still in their possession. It's not even up to 90 days yet when that letter was mailed to me, and they told me, they needed the same information every 90 days. I asked them why they couldn't use the same ones I had sent them before. It looks like Suntrust had either misplaced my documents or were just playing games with me. They never even made any decision of approval or denial, after I sent all the required documents in my application. Why make me go through all that hassle, when they know what they plan to do and can not say it outright. I am a busy person, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I don't need or deserve this run around or treatment from Suntrust. Also, they have been charging me interest fees since throughout forbearance period, and during the loan modification period to date, even though they told me they would not charge fees. They have now reported this account as late to the credit bureau, even though they said they would not do so, and I have not received a decision on the loan modification. They have also been threatening me with foreclosure, even with no decision on my application, and this is just a second mortgage. My first mortgage is not with Suntrust, and that is current. I was only trying to modify my loan to get it current after the forbearance period, and Suntrust can not even keep to their word! I feel this is a very unfair and deceptive practice by Suntrust and they need to correct their behavior. Thank you.
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (VA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

FAIR COLLECTIONS & OUTSOURCING and XXXX was notified on multiple dates letting them know the said amount of {$4000.00} was not my debt. 
In short, I did not enter into a binding agreement with the XXXX at XXXX XXXX and on numerous occasions have requested the information be removed from the credit report. A police report was submitted and referred to as fraud. I also submitted my identification card, social etc and a binding lease where I was residing when the fraud took place. 
I also mentioned that if their office persists in attempting to collect this debt and does not remove this from my credit report, I will have little choice but to file for a violation for the Fair Debt Collection Practices act and its XXXX XXXX I don't want to do so and would prefer to have this matter handled amicably, but their actions are affecting my credit causing hardship and putting myself and children at risk due to domestic violence which court documents was also provided to both companies.
Consumer complaint received 2020-09-10
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. (NY)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX, NY XXXX
Consumer complaint received 2022-07-18
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)

In accordance with the Fair Credit Reporting Act : DOE XXXX acct no. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively, has violated my rights. 15 USC 1681 section 602 A states : I have the right to privacy. 15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without without my written instructions.
Consumer complaint received 2020-09-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a line of credit on my home equity which has not been used since XXXX and the balance is XXXX since then. I am currently refinancing my house, On XX/XX/XXXX I called the bank and requested to close my account and they gave me a confirmation number XXXX and the representative told me that in one or week the account would be closed. More than a week passed and the account was still active and I called the bank again ( each call has a waiting time of more than 90 minutes ), I asked why my account was still active and they told me there was a internal miscommunication and they transferred me to a supervisor who apologized for the delay, she indicated that they expedited my process and it would not take more than 4-5 business days to close the account. A week passed after talking with the supervisor and the account is still active and I called again and spoke with a representative who escalated my case to a manager who called me on Friday, XX/XX/XXXX, apologizing and offered me that the account would be closed for the day XX/XX/XXXX. Today is XX/XX/XXXX, more than four weeks have passed since I requested to close the credit line account and I called the bank and none answers the phone, the waiting times are more than 90 minutes. Currently I am affected by this delay and that the refinancing process is waiting to close this line of credit with the Bank of America and that affects me economically and I am already tired of calling and claiming with 90-minute waits on the phone.
Consumer complaint received 2020-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CAPITALONE add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Good afternoon, This is a formal report re : an unauthorized transaction XX/XX/22 involving an attempt to cash a check for {$7000.00}. 

Bank of America, the account provider, has restricted my account and begun a fraud investigation. 

Kindly be advised this is in process, and I suspect it happened because my check book was recently stolen. 

Per BofA, the long-term solution is that I close my accounts ( checking and saving ) and create new accounts.
Consumer complaint received 2020-09-10
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX/XXXX XXXX U S DEPT OF ED/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 USD/XXXXI XXXX USD/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX ; Experian and XXXX should not be reporting a chargeoff on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

Hello, I have been trying to get an answer from fed loan servicing for over a year on the following issue. The payment window of XX/XX/XXXX I made a payment but FedLoan servicing placed my loan on forbearance based on national standards that month. Over a year ago I inquired about this and Fedloanservicing offered to remove the forbearance and then count my payment towards the PSLF loan payment count for a qualifying payment. I have called in once every few months since then and was told many months ago that they processed the forbearance removal but they havent counted the payment yet. I am trying to get closure on this issue before Fedloanservicing hands over my loans to the next loan servicer at the end of XXXX. 

Thank you, XXXX
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Consumer Financial Protection Bureau, I am writing to formally request assistance with TransUnion 's refusal to permanently delete adverse accounts from my credit report as per the Fair Credit Reporting Act ( FCRA ) Section 605C. I am a XXXX XXXX XXXX XXXX  and, as per the protections XXXX XXXX XXXX, I am eligible for these adverse accounts to be permanently deleted. 

Despite providing the necessary information to TransUnion, they have not acted upon my request to remove the accounts as required by law. I am seeking your help in ensuring that TransUnion complies with the provisions of FCRA 605C, so that these adverse accounts can be removed from my credit report permanently. 

Please find any additional documentation attached as needed.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I recently came across an advertisement for the portable XXXX XXXXXXXX XXXX on XXXX.The total cost was {$89.00}. Two XXXX XXXXXXXX XXXX for {$170.00}, and three XXXX XXXXXXXX XXXX plus two free for {$260.00} were the options. I've decided to buy just one ( I am retired from XXXX, not a website merchant there was no reason to purchase more. ) The purchase has been made, I have paid through XXXX The PayPal hooked up to my bank account, so I thought the transaction should be nice and smooth. Two days later I have been surprised when I see that my bank has been charged by some overseas company for {$260.00}. As I have learned the company is located in some black hole called XXXX, XXXX. Several of my emails to cancel the order has been ignored, as the requests to Paypal informing them of the unauthorized transaction were also refused. Recently I have received the package without a return address loaded by XXXX XXXXXXXX XXXX ( five items ). Well, I've tried one, the gadget has not functioned. I even did not unpack the others. First of all, I did not order five items ( it was an unauthorized transaction of {$170.00} ). {$170.00} has been snatched off my bank account without my authorization and I would like to have it back to my bank. The second electronic gadget does not function. All five XXXX  XXXX XXXX I will send back to any place in the USA ( I do not want to send them to XXXX or XXXX ). Paypal does not recognize my request as an unauthorized transaction, even though {$170.00} was beasty snatched from my bank account. I would like to get my money back.
Consumer complaint received 2020-09-11
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: Maury Cobb, Attorney at Law, LLC (NY)

On XX/XX/XXXX Report Number XXXX was generated by XX/XX/XXXX about XXXX XX/XX/XXXX. They deleted the account due to Fraud and  inaccurate information. The company XXXX XXXX XXXX then fraudulently changed the account number on the item, and Re-reported it as NEW debt. This is illegal. I contacted XXXX  and they said the information is accurate. I submitted proof and FEDERAL TRADE COMMISSION reference numbers to prove fraud was reported about my personal info. STILL they allowed this company To say i have a debt I never had. This is illegal, and the partnership XX/XX/XXXX has with its vendors is QUID PRO QUO, because they are being PAID by their clients they post this credit information for. So they arent inclined to make a fair, thorough, or impartial decision when it comes to someones credit juxtaposed against what a creditor says. Please stop XX/XX/XXXX and XX/XX/XXXX from committing such fraudulent acts. Your consideration in this matter is greatly appreciated.
Consumer complaint received 2022-05-05
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. (TN)

N accordance with the Fair Credit Reporting act XXXX XXXX Co # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the rights 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 2020-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

Sequium Asset Solutions LLC is claiming I owe them {$64.00} I made the mistake to provide my SSN to XXXX XXXX from XXXX thinking I could open a credit card processing account for my new online business. Days later, identity theft. 

I dont owe anything and this is fraud This could also be from XXXX. I tried to open an internet account but there was no connection to them in my building and all service had to be cancelled before it even started all equipment was returned. I even called twice to confirm cancellation, but they didnt ask for my SSN.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (TX)

I have notified Aldous and Associates numerous times that the debt has been paid for. I have asked them to contact the original creditor to obtain my paid balance info. Aldous & Associates refuses to contact the original creditor and requests that I send them a copy of the invoice.

At this time if Aldous refuses to contact the original creditor I will file a suit against the company and notify the Texas Attorney general for attempting to collect a false debt that has been paid.

Aldous & Associates has been notified that the debt is paid verbally and through written communication.