davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (MA)

Dear Truist Bank and XXXX XXXX, I am writing to express my concern and seek immediate resolution regarding an ongoing issue with Truist Bank, specifically involving a late payment report that contradicts consumer protection laws. Despite my attempts to resolve this matter directly with Truist Bank, I have encountered significant obstacles that necessitate this formal complaint. 

Firstly, the Client Resolution Specialist assigned to my case, XXXX XXXX, has not been cooperative. Despite my repeated efforts, including at least a dozen phone calls, XXXX XXXX has consistently failed to return my calls or provide the necessary assistance. Furthermore, the communication with other agents has been unhelpful and, at times, has worsened the situation due to serious internal miscommunication issues over the past year. 

A critical point of contention is Truist Bank 's claim that I had access to the web portal during the loan modification process, which I did not. This miscommunication was a result of a system error on the bank 's end, an issue I have raised multiple times through emails and phone calls. This I believe is not an everyday occurrence with all your customers and in this case a negative personal experience and not a standard procedure. Yet Truist Bank keeps reporting this information due to a negative experience stemming from their web portal on my Credit report. Despite providing evidence, including screenshots, to demonstrate the technical fault with Truists website that led to the late payment, there has been a clear disregard for these facts by XXXX XXXX. 

This erroneous late payment reporting has unjustly affected my credit score and financial standing. It is crucial to note that the late payment report is not a reflection of my financial responsibility but a consequence of a fault within Truist Banks system. The lack of acknowledgment of this error and the subsequent negative impact on my credit report is a serious concern. 

I urge Truist Bank to conduct a thorough investigation into this matter and rectify the late payment report accordingly. I also request that the credit bureaus take note of this dispute and consider the information provided in the evaluation of my credit report. 

I expect a prompt response and resolution to this issue. Your attention to this matter is not only crucial for correcting my credit report but also essential in upholding consumer rights and the integrity of credit reporting. 

I also humbly request that the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience in this ongoing negative personal experience with the Bank. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Ref Complaint # XXXX Attaching all existing materials, adding the XXXX XXXX XXXX XXXX Truist claimed the complaint was sent by an unauthorized person, I am fully authorized by my mother to act as an advocate on her behalf and this approval is in the files at Truist. 
__________________________________ Truist as a XXXX XXXX  servicer purchased my home loan and failed to pay the flood insurance causing it's cancellation. A new policy is XXXX XXXX more expensive. This will be financially devastating for our family and force the sale of our family home. The prior mortgage servicer XXXX, they also purchased the loan and made all necessary escrow payments in XXXX without issue.In XXXX, SunTrust now Truist failed to pay, the insurance was cancelled in XX/XX/XXXX. A new policy is required by XXXX XXXX the policy will be at a XXXXXXXX XXXX increase to {$5000.00} up from the prior XXXX {$500.00} due to this escrow processing failure. XXXX XXXX had the address on fi XXXX as Truist XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which was provided by the servicers agent. They assure us they billed the address provided. Truist has acknowledged the error but has been unable to reinstate the policy at the prior rate which was a grandfathered rate. Truist had the fl ood policy number in their system, I believe they knew it was a XXXX XXXX ( aka XXXX ) underwritten policy. They contacted the wrong insurance company to gain information.
Consumer complaint received 2023-12-31
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. (PA)

I submitted a Method of Verification request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ) via CFPB # XXXX on XX/XX/XXXX and as of today have not received any information accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ).

I should have received the results I requested within 15 Days from Equifax and it could mean I collect {$1000.00} due to the violation because It has exceeded the 15 Days, I submitted the XXXX request on XX/XX/XXXX and todays date is XX/XX/XXXX and I have yet to receive any information from Equifax that even remotely resembles what is required in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 611 ( a ) ( 7 ). 

I disputed initially via CFPB # XXXX on XX/XX/XXXX and Equifax sent me the results via CFPB on XX/XX/XXXX falsely stating the Trades listed below did not appear on my credit report but I consider Equifax is acting in BAD FAITH because I am a paid monthly subscriber to Equifax monitoring and as of today the accounts Equifax states do not appear on my credit report in actuality unforetunately are still reporting on my Equifax consumer report. 

The basis of my dispute was that my Privacy rights were being violated in accordance with FCRA 602 which states I have a right to privacy and FCRA 604 ( A ) which states a credit reporting agency can not furnish an account without my written instructions. 

Additionally, Equifax sent me another letter requesting my identification that I keep submitting over and over again and have uploaded my identification again in this complaint. 

I want the accounts removed or I may seek legal representation.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank XXXX Huntington Bancshares Incorporated is an American bank holding company headquartered in XXXX, Ohio ) have a program called Stand By Cash. The requirements now are as follows. 

Standby Cash is subject to terms and conditions and other account agreements. A 1 % monthly interest charge ( 12 % Annual Percentage Rate ) will be added to outstanding balances if automatic payments are not scheduled. Available through online banking or the Huntington Mobile app to individuals with an active consumer checking account with at least three months of consistent deposit activity of {$1000.00} or more, and an average daily balance over the last 30 days of {$200.00} or more. An active or recent bankruptcy or other legal process may disqualify you. Other eligibility requirements apply, including your recent overdraft and/or return history, regardless of whether you are charged overdraft or return fees or they are waived with our XXXX Grace and {$50.00} Safety ZoneSM services. We reserve the right to change eligibility criteria at any time. Line amount and/or ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts and/or returns on any of your Huntington deposit accounts. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line may be suspended until they are no longer negative. If 90 % or more of the approved credit line is drawn three months in a row, Standby Cash will be suspended until its paid to a XXXX balance. Business checking accounts are not eligible for Standby Cash. 

I was informed today that we were not eligible for stand by cash due to overdraft on XX/XX/2022. We did not get NSF fees, we just simply transferred money from savings to bring the account current. 

Problem 1 : The policy change to Stand by cash did not go in effect until " I was told XX/XX/XXXX XXXX XXXXXXXX 2022. The requirements did not state whether it back dated XXXX  days or if the policy change just started on the " XXXX ''. 

Problem 2 : I was informed that Stand By Cash is automated and it runs by an algorithm. Since we did not technically have any overdraft fees, but the stand by cash 's algorithm seen where the account was negative for a short amount of time ( XXXX XXXX to transfer from savings ) ... does it send a report to credit bureau of actual overdraft?
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered charge offs on my consumer report. According to the I.R.S. Publication and laws charge offs are considered a certificate of indebtedness which is considered income and income can not be reported on my consumer report pursuant to 26 U.S. Code 61 / 26 C.F.R. 1.643/ 20 C.F.R 211.2. Please remove these accounts these inaccuracies are adversely affecting my credit score and reputation. I will be contacting appropriate agencies such as the Security Exchange Commission pertaining to security fraud. 

These addresses are not associated to me and non mailable residences. 

XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove these addresses.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

All of my Hard Inquiries on my TransUnion report. All these hard inquiries need to be removed immediately because its identity theft. I did not give any one or these institutions permission to check my credit report 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 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 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 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 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
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute an incorrect address that appears on my TransUnion credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file.

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NE)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

This is a follow up to my complaint # XXXXsee copy attached. In response to that complaint, I received the attached letter from Comenity bank dated XX/XX/XXXX. This totally unacceptable generic response to my issues with Comenity Bank is attached. It provides absolutely no details regarding what they did to investigate, what they found or didn't find find, their efforts to locate the money previously sent to the bank, any acknowledgment that they received documents which were sent to them at their request, or any other detail regarding their 'investigation '. In addition, they make a generic request to send supporting documentation which was already sent to them. Their 'generic ' letter is meaningless and most likely a 'standard ' letter sent to everyone and anyone. This has been going on for months and their incompetence is simply inexcusable. Since they asked me to respond to their letter 'with any further information ' I attach my response to them dated XX/XX/XXXX. 
I did receive a generic letter from them prior to their XX/XX/XXXX letter which simply acknowledged the complaint and they would be looking into it, which they have allegedly been doing since XXXX. Incredible incompetence.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

I am being denied for credit due to my credit scores appearing nearly XXXX points less on XXXX in my letter denying credit. 
My scores are not all in agreement with the information reporting and the scores creating major conflict within my financial strength and capabilities. 
My score across all the bureaus are all wildly different. Equifax is XXXX while XXXX is XXXX. I want my reports all to reflect accurately and precisely so that I dont have to spend hours upon hours losing sleep figuring out what is correct and incorrect. XXXX of XXXX is ideal for me and I would like the other bureaus to mirror the information. I further ask that when reporting my score to a potential creditor that it be send accurately and in real time. The denial letter from XXXX XXXX services via XXXX is specifically targeted. The letter said my score was XXXX! A far leap from XXXX. Please make sure an accurate credit score is being provided. This is damaging me financially, its crippling.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

I have been searching for a job to work in my background of IT. I CORRESPONDED WITH A XXXX XXXX XXXX on XXXX. I was eventually offered a remote position to work from home and This Company http XXXX XXXX  This company was providing the following equipment to perform this job. 
Everything is also found in either XXXX  conversion or XXXX XXXX to reference for this. 
The Equipment Ordered Brand new XXXX  Laptop XXXX XXXX XXXXXXXX printer, scanner, and fax machine XXXX XXXX XXXX XXXX XXXX XXXX 
After accepting this opportunity I began to train via XXXX with a XXXX XXXX. 
The entire Transcript of my conversions with XXXX XXXX in XXXX  ( XXXX XXXX XXXX and XXXX XXXX in XXXX ( XXXX XXXX ) have been attached to this email for reference all of this information is there to reference and see. I received two checks for the amount of {$4900.00}. I deposited both checks via a Branch office ATM XXXX. 
I send my SS number in a XXXX with all the personal information that is harmful to a person. Zelle will not refund a XXXX dollar transfer sent
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

There are 4 inquiries made without my permission. I have since locked my account with Experian due to identity theft. They are : XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX CO XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX CREDIT ( Finance XXXX XX/XX/XXXX I have called Experian and XXXX regarding these hard inquiries to no avail. I have also called XXXX XXXX Bank and they said they saw no accounts and no credit card applications submitted with my social security as only South Dakota residents can even open an account or apply for a credit card with XXXX XXXX Bank and I myself live in another state.