davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (GA)

Due to the extent of this matter my information should have been updated within 4 days and if there was any additional information needed, I should have been notified within 5 days of them receiving my notice! Im demanding performance of this company in which they keep their obligation and follow regulations set out for them to follow dealing with trafficking of persons. Being a victim of trafficking in persons is a serious crime and the credit reporting agency are making me assessable to more harm and endangerment!
Consumer complaint received 2023-12-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: VALLEY NATIONAL BANCORP (PA)

I was looking for CD 's with high yields. I saw a 5.6 % CD from Valley Bank for 3 years on XXXX. As you can see below, nowhere on XXXX does it mention this is a variable rate. I applied today, XX/XX/2023, for {$1000.00} funding. I feel misled and would like to close and get my money back without paying fees.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've consistently paid on time for this account, and it's disheartening to face issues for something I haven't done. Please rectify my account urgently and remove any incorrect information that's causing me undue stress.
Consumer complaint received 2024-02-03
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

XXXX 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  has violated my rights. Or list of inquiries XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

I found out my ideniity was stolen around XXXX near the end or early XXXX and I did Identity I filled theft and fraud with the XXXX XXXX and some other places and I had a lot of accounts that were hacked. They were emails, XXXX accounts, XXXX, XXXX accounts, my school accounts, XXXX account, and they even made accounts in my name.m and they are in my phone still and still do all of this. They put credit cards on my credit and it was right many a couple of loans and a hospital bill cause I know I didnt go to the hospital in XXXX or my son! I have managed to get a few off my credit but some want budge. I dispute them rt often cause they arent mine and I want my credit to go back up XXXX is coming and I need to get presents and cant with out my credit. I am in school and dont make a lot of money. Experian was good at first now they are horrible in my opinion. Some of the employees made a lot of comments on my credit report, so many that I cant make any comments to my defense on the certain credit card or loan that they are commenting on. And today they made a big write up on the front of my credit report and it looks horrible to someone that looks at my credit report. That doesnt know me that maybe hiring me for a job when I graduate. I am going to school for XXXX XXXX and XXXX. That does not look good besides that, theres a privacy issue there, I would like it to be removed along with all of the comments. I have a fraud alert on my reports all three and I will not freeze my reports because I am still getting student loans and I will admit my credit has never been the best, but its never been like this because of all, the credit cards they put on my credit but XXXX trying to get them off. I think that that this has been enough with just the identity thrift but to deal with people thats supposed to help up and it seems all they want to do is bash you is awful. I hope that you go look at my reports! Thank you for listening to me have a good day XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

Credit Management LP has place 3 medical collection debts on all three of my credit reports and when I found out I immediately reached out to them and informed them that my bills were written off from the hospital and the letters forwarded to physician 's office. I explained that the debt is not valid not owed and has ruined my credit I never received any letters from this creditor regarding this debt nor asked for my letters that they were indeed paid. The original creditor of these accounts were XXXX XXXX XXXX XXXX XXXX and the dates of services were : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Referrence # - XXXX
Consumer complaint received 2023-12-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 
EASTERN ACCOUNTSYSTEM XX/XX/2023 {$55.00}
Consumer complaint received 2022-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I found out my taxes had been incorrectly calculated by XXXX XXXX SC in XX/XX/2022. I called my lender Truist Bank formerly known as BB & T. They told me they would fix the issue in a few weeks and to keep making my regular payment which is {$1900.00}. not the {$2200.00} they billed for. I have done that which is on record with Truist. 
I kept getting notices of late fees and I would call them every month and after long phone calls they took them off. I saw no progress so after months of waiting and at least a dozen calls and unfulfilled promises. 
I went to the local tax office and finally fixed the issue in XX/XX/2022 myself. I was told it would all be corrected in a few weeks. It was not. I did not call them for a while because they said it would be corrected promptly. After XXXX when I had proven the error and corrected it they not only charged me late fees they reported me to the credit bureau and ruined my credit. My son could not go to college. 
We went to our local branch and the BB & T representative was very helpful and started an official investigation. 
I have attached Truist 's offer to take off the late fees and correct the past credit data. They are still charging me for the {$3300.00} plus interest mistake that the county made. Truist stated the money that I never owed was sent to them but they seem determined to charge me even though they cashed the check from the XXXX XXXX XXXX. 

I never had a tax increase. I was not waiting on an exemption. XXXX XXXX XXXX made a mistake and sent Truist Bank an incorrect bill which increased my escrow. 
I did not make a mistake. I made my payments on time every month. I did what I was asked to do by an agent of Truist Bank. Why would they take off the first six months of late charges if I was at fault. They tell you they are recording those conversations so they have record of what happened. It seems to me they are trying to take advantage of me because I am XXXX.
Consumer complaint received 2024-02-01
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. (WI)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-31
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. (NY)

XXXX account number XXXX is reporting with incorrect negative remarks. I have closed, settled and Paid XXXX in full. Per my understanding and agreement the account should report as paid and closed, no negative or updates should be reporting after settlement. The account has Unavailable data for 2 years then there is an incorrect Charge off reported on XX/XX/2022. I am beyond disappointed on the inaccuracy of my report which I have disputed multiple times before and I'm still unsatisfied with the answers I have received. The information reported on the account XXXX is damaging financial and misleading.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Freedom Mortgage Company (VA)

On XX/XX/2022, I submitted a pre qualification request for a mortgage company, Freedom Mortgage. I spoke to XXXX XXXX, XXXX # XXXX. On that date, he set up a phone appointment and said he would contact me by XXXX XXXX I never heard from XXXX XXXX. I contacted Freedom Mortgage on multiple occasions and could not get an answer from them until I called on XX/XX/2022. I talked to XXXX XXXX and advised that he had not called me back as promised on XX/XX/2022. He then advised me that there was debt to income ratio issue and he made mention of a {$1000.00} per month payment that is not correct. I then asked for a copy of the report used to make the credit determination. He alleged that I had to get it from a different department, despite the fact that he was clearly reading from said report. It was transferred to numerous departments and have yet to find one representative who has informed me about how to obtain a copy of the exact document used to make a credit determination about me. XXXX XXXX ran my credit and them failed to notify me about the credit decision by any means- phone ; mail, letter, or electronically and refused to provide requested information by pleading ignorance on how to obtain the information
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00} CHLD SUPP XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I've been a Paypal user for about 20 years for my all natural health and fitness store. In XXXX of 2022 Paypal froze my account. I immediately called them and was told that it was permanently frozen due to " Illegal narcotics '' sales, I was shocked to hear this because I have never sold anything illegal in my life! I asked to speak to someone immediately to rectify Paypal 's error to which I was told they would not give me anyone else to talk to ... their decision was final! I asked to see proof of the " Illegal '' sales and they could not show me their so-called " evidence ''. After much arguing and failed requests to at least be able to " face these false accusations '' I resigned myself to accepting the closure because the Paypal representative told me that I would be able to receive my {$15000.00} balance after a 180 day waiting period, and I was given the date of XX/XX/2022 as the date to when my funds would be transferred to my bank account. I waited the 6 months, and then 2 days prior to this XX/XX/XXXX date I looked into my account to find that on XX/XX/XXXX, Paypal payed my entire balance of {$15000.00} to themsleves. I did not authorize any payment, and I did not understand what was going on, so I called Paypal. They told me it was absorbed as " damages '' for " breach of the XXXX  ''. I argued again that I did not breach their TOS and again asked them to produce evidence of these " illegal sales '' and " damages '' they caused to Paypal... again, they failed to provide me with any proof whatsoever! I asked to speak to a supervisor. I wound up talking someone calling themselves " XXXX '' who apparently was just pretending to be a supervisor. She said she would start a " resolution '' with Paypal concerning my case and she would get to my complaint resolution with Paypal concerning my case, and she would get back to me next day at XXXX XXXX she never did. I called in again. I was told " no such person working there ''. This is underhanded thievery! I want Paypal to give me my money ( {$15000.00} ) They are using their carefully crafted legal jargon an XXXX  to steal from people! 

Desired Settlement : Refund
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (FL)

XX/XX/XXXX I moved out of a student apartment name XXXX  XXXX ( former name ) now known as XXXX XXXX. I had three other roommates, I was the last person to move out I requested prior of moving out the leasing agents do a walk through after the other roomates had moved out because items were stolen in the furnish property as well as damages, Once I moved that's when they did a walk through and charge me {$600.00}. That's an absurb amount especially since I express to them what was going on as far damages & missing items I kept pleading with the leasing agents to witness the unit before I moved out because I didn't want to get charge a damage fee. I never knew about this fee until this year XXXX. I reach out to the company multiple time and they never answer their phone and their previous corporate company sold them due to many complaints from residents, I follow up with their new corporate company I'm unable to get a response. I reach out to the debt collector they weren't helpful as well.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

XXXX Upon reviewing my prior CFPB disputes and reviewing my updated consumer reports. 
I noticed that there are still some items reporting on my consumer reporting inaccuracies Wiith my XXXX XXXX Please see the following accounts below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are three other XXXX XXXX where are reporting inaccuracies as well. 

Please see supporting documents
Consumer complaint received 2022-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC. (LA)

This is an excerpt from an email sent to Triad on XX/XX/2022. 

we closed on our construction to permanent loan in XXXX. I made payment in XXXX and XXXX for what was due. My XXXX payment was supposed to be my first permanent loan payment. My XXXX payment was never applied to the loan only showed up as unapplied. I made several phone calls at the end of XXXX and beginning of XXXX in regards to this. I was told because the loan was being transferred to permanent that is why it showed unapplied. Well it started getting closer to the end of XXXX and I called again. I believe the same day I called the 3rd or 4th time my XXXX payment was then reversed and also changed to unapplied. Tried calling again after a couple of no changes. Was told it was again because the loan was being converted, and they would send the the manage of the department an e-mail to call me. An e-mail was sent because getting someone on the phone in that department is a complete joke. I never received an email or phone call back from XXXX after the below email was sent. 

I called again on the Friday after that email and a lovely person in the servicing department got her manager involved. I received that phone call on Monday letting me know she was going to again get a message the manager in closing, XXXX, to call me. I received a phone call on Tuesday from XXXX who was told my XXXX to call me and tell me the loan had not been converted because I had not made payments. Had he or his supervisor taken 2 seconds to actually review my account before calling me they would have seen I made my payment on time and correctly both months. 

At some point in all of these phone calls I received the information that the original person working on converting the loan was no longer with the company. 

I do not what is going on, but my online account shows I owe a total of about {$2000.00}. As far as I can tell what is currently due after taking away what is in unapplied, my total due is still not what it should be for my permanent payment. 

Since this e-mail, I have spoken with XXXX, who is in the process of converting out loan to permanent, two time. Both times I have spoken with her she let me know it is being worked on and give a date about a week away that is should be completed. 

My 2nd payment for my permanent note is now due tomorrow. I have been reassured nothing will be counted against me, but at this point I now have 2 house notes to pay at once because of their issues and errors. 

This is been the worst mortgage/loan company I have ever had to work with.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (CT)

I have filed police report and ftc and contacted navy federal credit union several times after providing several police reports and affidivates I was told that i would recieve credit in the form of a check and never got it.