davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (VA)

I opened an account with Suntrust on XX/XX/XXXX in XXXX, Va in order to automatically deposit my Social Security and Pension monthly. At this point, I have an account with XXXX XXXX XXXX but recently moved to XXXX, Va and there is no XXXX XXXX XXXX. Suntrust opened the checking acct with no problems. I received my checks and XXXX debit cards with different acct numbers. When I called Suntrust about this, they told me to destroy XXXX card and the other was okay to use. I then transferred my Social Security and Pension to Suntrust. About a week later, I received a call from Suntrust saying they could not keep the account open with no explanation and I would receive a letter and my deposit in the mail. This did not happen. I changed my fund back to XXXX XXXX XXXX. On XX/XX/XXXX, I went back to Suntrust to find out what happened. They told me there was nothing wrong with the account, it was active and they could see no problems with accepting my deposits. I made a small deposit to test the system and no problems. I then transferred my Social Security and Pension back to Suntrust. The following week, I called Social Security and Pension and transferred back to Suntrust. On XX/XX/XXXX, I received a call from Suntrust saying they were closing my account again but did not know why. I then called Suntrust Corporate and talked to them. They also could not see a problem. I was told to go back to the branch which I will be going tomorrow. This situation has caused me to having health issues. I am a senior and have been XXXX since XX/XX/XXXX. I don ; t even know if I want the account now but it is the principal of the matter and feel I have a right to know why I 'm having this problem, not to mention having to call Social Security and my Pension and redirecting my info over and over again. No one should go thru this to open a checking account. Please help me solve this problem. 

Thank you
Consumer complaint received 2024-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion failed to comply with the legally mandated timeframes for my dispute ( Dispute ID : XXXX ), heres all relevant dates and issues : Timeline Non-Compliance : Dispute Submitted : XX/XX/year>. 
Dispute Received : XX/XX/year> XXXX Follow-Up Sent : XX/XX/year>. 
Final Demand Letter Sent : XX/XX/year>. 
Deadline for Response : XX/XX/year> ( 30 days from receipt of the dispute ). 
Response Received : Through CFPB portal on XX/XX/year>, significantly exceeding the legally mandated timeframe under FCRA Section 611 ( a ). 

Incorrect Address : TransUnion mailed responses to an address where I have never lived, risking exposure of sensitive personal information and failing to meet my explicit request for communication to be sent to my correct address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, via certified mail. 

Failure to Investigate or Resolve : Late Payments : Disputed accounts, such as XXXX XXXX XXXX XXXX XXXX XXXX, and others, remain unresolved with no verifiable proof provided. 
Unauthorized Hard Inquiries : Entities like XXXX XXXX and XXXX XXXX XXXX  inquiries were not removed, nor was consent verification documentation provided. 
Account Inaccuracies : Items like charge-offs from XXXX XXXX and XXXX XXXX remain unaddressed without evidence of verification. 
Collection Accounts : Incorrectly reported items like XXXX XXXX XXXX  were neither verified nor deleted. 
FCRA Violations : Section 611 ( a ) : TransUnion failed to conduct a reasonable reinvestigation within 30 days.

Section 609 ( a ) : Documentation supporting the accuracy of reported items was not provided.

Section 607 ( b ) : Inaccurate and unverifiable information was not corrected or deleted.

Risk to Personal Information By sending sensitive responses to an outdated and incorrect address, TransUnion has created a risk of my personal information being stolen or misused. This demonstrates negligence in safeguarding consumer data.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I took out a XXXX improvement loan from XXXX which now has split into XXXX companies XXXX and Navient. My loan was moved over to Navient. As per their instructions I use the new loan number supplied to pay my loan monthly through my online bill pay. On the last three months I get statement that have late fee penalties stating that my loan is delinquent when the loan was paid before it was due. My bank statements show that Navient withdrew the funds, but when I go online and look at my account it still shows delinquent. I tried speaking with their customer service and they stated that they did not receive the payment when my bank shows a payment to them for {$60.00} on XXXX/XXXX/15 the loan was not due until XXXX/XXXX/15. The same thing happened the previous month and it took repeated phone calls to get the matter cleared up and the late fees refunded.
Consumer complaint received 2015-12-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Designed Receivable Solutions, Inc. (CA)

DESIGNED RECEIVABLE XXXX is reporting on my credit file. This account is not mine. I was a victim of Identity Theft. I have provided an Identity Theft Complaint and Affidavit and Police Report to the agency and still have not gotten this account resolved and deleted off my credit file. I have also disputed this with the bureaus.
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied International Credit Corp., (US) (AL)

This debt was paid years ago. When the agency contacted me I informed them of this and asked them to contact their customer, verify the debt and send it to me in writing. They continued to contact me and I advised them they were in violation of FDCPA. I again requested that they not contact me and verify the debt. This information was also reported as negative on my credit history causing me difficulties.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2015-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: MORGAN STANLEY & CO. LLC (OK)

My financial advisor referred me to their XXXX XXXX department when I told them thay I was going to buy a house. I was approved for a loan and I started looking for houses in my price range. When I found the house that I wanted I locked in my rate and started the application process. Throughout the process they exhibited poor communication and started asking for documents a couple of days before closing. Two days before closing they contacted me to finalize numbers, including my monthly payment which was quoted to be {$1500.00}. When I got to the closing table I discovered that monthly payment would actually be {$1700.00}. When they informed me of this payment I felt like my back was against the wall because I was afraid being sued by the seller and I felt I had no choice but to sign. Since my closing two weeks ago I have been under duress on how I am going to make my monthly payment. On my Truth In Lending Disclosure they quoted my taxes and insurance to be {$290.00} a month. As a normal consumer this number did n't seem out of the ordinary to me. In doing my research I have been made aware that several professionals from Morgan Stanley Home Loans neglected to change the property tax number to the correct amount even after they were told by the title company on XXXX occasions that their estimated property taxes needed to be adjusted. Morgan Stanley Home Loans were negligent on several occasions. I am now stuck with a mortgage payment I ca n't afford.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

A dispute was submitted to Equifax on XX/XX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( 3 ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information may cause the consumer. See : XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XX/XX/XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( 15 U.S.C. 1692g ). Account number XXXX from XXXX is reporting inaccurate.
Consumer complaint received 2015-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

Opened an electric account with XXXX back in XXXX/XXXX/2014. 
The account, however, was closed ten months later due to irregularities in billing and the fact that such account was been inflated with excessive fees.The problems revolves around the fact that after having closed the account for such reason.I.C SYSTEM Inc a collection agency on behalf of XXXX has engaged in practices I consider to be instigative and harrassive.Since they have continued to call my house in order to demand payment for early termination fees. despite the fact that I never entered into contract with XXXX.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Equifax is refusing to remove the CH XXXX bankruptcy from my credit file. I filed back in XXXX XXXX so the public record should have been removed on XXXX XXXX. I called them last week and I was told that they would not remove it and would stay on my file until XXXX XXXX.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have applied for a loan modification and because I now make enough money they do not want to approve/or review me for a loan modification again. I was told by a HUD credit counselor and other government agencies that since I experienced such great hardship I was able to qualify for a loan modification. Why am I now being penalized now because I now have my full income and not on sate furlough. This is n't fair and I am asking for a fresh start to begin my payments again. Is there anything you can do.
Consumer complaint received 2016-01-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

we have been trying to short sale our home due to my wife 's medical conditions for the last 2 years I have given them al the required info they have requested we have now been thru XXXX buyers on our home and They still keep asking me for the same documentation every time we give them things as they need it and still have to send more papers every week.here is what we sent them
Consumer complaint received 2016-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

My employer XXXX deposited my payroll check on XXXX/XXXX/XXXX, Chase advised me that the funds would be sent back to the originator because the account was closed and there is nothing due on the account. I contacted my payroll department and they advised me the funds were not sent back to them. I have had to fight with Chase since XXXX/XXXX/XXXX to get my payroll check from them as of today XXXX/XXXX/XXXX I have not received my payroll check of {$310.00} even though I have called every week about it and was asked what high school did I attend and if you do n't answer it correctly for them then they can not answer your question. I informed Chase last week that I would contact the CFPB if I could not get my payroll. I was then transferred to the executive office and then transferred to another department where they gave me the tracer number. XXXX researched it and was told due to the privacy act chase will not release any information on this account. It 's the new year and I still do not have my check.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a XXXX account which was reported by TransUnion for {$540.00} on XXXX XXXX, XXXX. The current fees is {$550.00} from a citation processing center whick I know nothing about. However these collections were posted on my credit report on XXXX XXXX, XXXX. This is a serious matter that conflicts with my credit score.
Consumer complaint received 2015-12-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Trans Union, as of XXXX 2015 I have noticed lag time reporting credit information to credit file. As of today Wednesday XXXX XXXX 2015 I have formally called in a complaint to Trans Union XXXX XXXX in regards to credit file not being updated, XXXX accounts last updated XXXX/XXXX/2015 XXXX accounts reported XX/XX/XXXX-XX/XX/XXXX. As of XXXX XXXX 2015 no accounts have been updated to reflect current status of account status in over 30-60 days. Trans Union credit agency representative in USA called me a liar regarding accounts, in addition said No information has been received from any creditor for Trans Union to update my credit file. 
This obviously is incorrect information given to me. 
All creditors reports are automatically generated by each creditor when statements are generated, In regards to XXXX and XXXX all creditors are reporting accurately to credit file and current as of Wednesday XXXX XXXX, 2015, No lag time. 
I asked Trans Union Representative How/why the other national credit agencies are reporting but Trans Union is not.?. 
He said it is not Trans Union, it is all your creditors fault for not reporting any information to Trans Union. I find this hard to believe when everything is automated. 
Trans Union Representative said there is No department within Trans Union to file a complaint regarding updated credit information in ones credit file. 
Trans Union representative had also said he has only heard of this type situation 3 times before during his employment with Trans Union and was unfamiliar with their procedure to correct the problem, Trans Union representative had mentioned in those cases it was a computer glitch software anomaly. Trans Union representative told me he would need to transfer me to IT but that could n't and would n't happen as he is unable. 
Trans Union representative told me I need to file a dispute against ALL my creditors so they can manually send in accurate current credit report, that makes no since to me. My creditors have reported to all credit agencies regarding individual accounts, I have called each company to confirm, they all reported to Trans Union every month.. XXXX and XXXX all show accurate and current month credit information. 
My dispute is not with creditors but solely with Trans Union XXXX XXXX They are unfairly reporting credit information, selectively. 
When I have applied for a credit card an inquiry is automatically added, when a creditor reports Trans Union delays updating credit report, in my case 67 days for XXXX accounts, 31-41 days for XXXX accounts, and XXXX account has not yet generated a XX/XX/XXXX statement. 
I was told by Trans Union representative there is absolutely No agency I am able to file a Compliant/Dispute against Trans Union, I replied I am able to file a complaint with C.F.P.B. 
and so I 'm doing so.
Consumer complaint received 2016-01-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (OH)

DIVERSIFED CONSULTANTS A COLLECTION COMPANY THAT CONTACTING ME ABOUT A DEBT THATS NOT MINE FUTHER MORE THEY HAVE NOT VERFIFED THIS DEBT AS MINE IS THIS LEGAL? THANKS
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is a fraudulent account or someone else account appearing on my credit file I had this account investigated with Trans Union XXXX 2014 and it was removed from my credit report. Recently I check my credit reports threw XXXX XXXX and this account was reappeared once again. LONG STORY!!!!! Reinvestigated this information and it 's still showing up.
Consumer complaint received 2015-12-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (MI)

My daughter attempted to pay off her student loan on XXXX/XXXX/2015 using the " current amount '' on the Sallie Mae website. The account has a daily accrual rate but nowhere on the payment site ( i took screenshots ) does it state that this is really not the " current amount ''. We later found from " escalation department supervisor - XXXX '' that the " current amount '' is simply the last statement balance amount. 
To complicate matters, Sallie Mae, withdrew the amount out of the wrong account which of course created insufficient funds fees and of course more accrued daily interest. 
The possibility of selecting the wrong account was entertained by Sallie Mae. However, paying off your student loan is a huge accomplishment and my daughter and her mother worked together to celebrate this event. The account had been auto debiting from her personal checking account for months and when the payment was made the computer automatically selected the correct primary account ( the one it had been automatically using ) and they happily typed in the full amount, " current amount '' and pressed pay and confirm. 
Although the amount of interest is not even close to the payoff amount, it is still her hard earned money ( plus {$30.00} ISF charged to her mother and I ) plus an additional {$45.00} in accrued interest. 
After 4 phone calls the problem is still not corrected, her loan still not paid, due to Sallie Mae waiting to receive notification from our bank that the money was not in the account they tried to debit before they can do anything. I am simply wondering, as of XXXX/XXXX/2015 how many kids this has happened to and how much extra money Sallie Mae has collected when the consumer gets frustrated and just gives up. 
The consumer of Sallie Mae is encouraged to use auto debit ( website ) however this access method is not accurate and misleading. Consumer beware!
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (TN)

I have had numerous unauthorized withdrawals from my checking and savings accounts with Suntrust Bank, XXXX was an illegitimate Pay Pal account that was withdrawing directly from my savings and checking accounts. When I approached the bank to have these rescinded the person assisting me assisting me asked if I had a pay pal account, to which I answered yes one that is tied to my debit card not my bank accounts. He intimated that I was at fault and that he would not help me, that I should contact pay pal and have them do something. I contacted pay pal, sure enough the person stealing my money did not have a legitimate pay pal account. I was instructed to contact the police to have this matter looked into and that I would have my money refunded. No refund, no help from the bank. A few days later the same thing happened to XXXX of the XXXX new accounts that I had opened, to prevent any further withdrawals from taking place, no help from the bank. This is XXXX issue I have with this bank, the other was a recurring charge that took place monthly but the bank would not help me locate who the money was sent to so that I could have it stopped. I contacted the XXXX number and was told that all moneys were going to be refunded upon their receipt of a signed affidavit sent to me by e-mail, I never received the e-mail, called again was promised the same thing, no e-mail, called again and was told I would receive XXXX in the mail, you guessed it no affidavit. I have since closed that account to prevent this from happening any further but in so doing my claim for the refund has been rescinded. An additional problem is concerning a separate account that was being charged a monthly fee when it should have been no charge as there was a direct deposit being made to that account as per the bank 's requirements. I do n't trust this bank nor do I think they are very interested in customer service.
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (HI)

I have on several occasions sent several letters to the bureaus stating that the disputed accounts are not mine and also asked for verified documents, as per FCRA 605B, 15 U.S.C. 1681c-2 and FCRA 15 U.S.C. 1681. They have not Once sent a letter showing that i signed for any such credit.