davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (MD)

SunTrust bank has caused me as well as my family much anguish by charging off a SunTrust auto loan account which was paid as agreed. In XXXX 2017, Ive received a phone call from XXXX, a SunTrust Bank representative, notifying me that my auto loan was about to mature and that I must pay a final payment of approximately {$3200.00}. I explained to XXXX that I could not make the high payment of {$3200.00} at the time. I asked XXXX would SunTrust Bank allow me to continue to make regular payments of {$300.00} a month until the loan was completely paid in full. Since I had never been late or missed a payment previously, XXXX, agreed that SunTrust Bank would indeed allow me to continue to make regular payments of {$300.00}, in which I faithfully paid every month thereafter. Not only did I pay as agreed, I also made double payments whenever possible in order to speed up the process. However, after paying as agreed and getting my balance down to around {$1000.00}, on XXXX XXXX, 2017, SunTrust Bank, being the predacious institution that theyre, charged my account off and caused major grief to myself as well as my family. Knowing that the charged off account would destroy my credit rating for seven long years and cause unforeseen hardships upon myself and my family I decided to pay the {$1000.00} payment to SunTrust via the collection agency, XXXX, in order to pay the loan in full. This charge off is especially concerning to me since it also affects my XXXX grandfather, XXXX XXXX XXXX, who co-signed with me for this loan. At this point, all I wish is that SunTrust Bank would have a little compassion and honor their agreement and change the account status to paid as agreed.
Consumer complaint received 2017-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a letter to dispute inquiries on my Transunion credit report. I talked with XXXX XXXX and XXXX XXXX on XX/XX/17 at XXXX XXXX central time. They informed me that Transunion does not dispute inquiries and I asked why not since the inquiries are a part of my credit profile? They said because it was a part of their policy not to dispute inquiries but neither could give me a specific policy to validate their claim. I disputed these inquiries based on full disclosure. I stated in the letter that the inquiries I was disputing did not explicitly state that the inquiry would result in a hard inquiry on my credit report. Transunion refused to go further and has already sent a letter a day after receiving my dispute. For that reason, I am filing this complaint for Transunion to do their job and investigate and obtain proof that I was given full disclosure regarding these inquiries.
Consumer complaint received 2024-10-11
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. (CA)

The following account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not reporting accurate information after several complaints and investigations, this account still reporting inaccurate information and its hurting my ability to obtain credit Email capture of XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc. (KS)

XXXX XXXX CALLED ME AGAIN AND LEFT ANOTHER THREATENING VOICEMAIL IMPERSONATING A COURT OFFICIAL AND THIS TIME ALSO INCLUDED MY SIGNIFICANT OTHER, XXXX XXXX. HER PHONE NUMBER IS XXXX. 
THE COMPANY NUMBER FOR ADVANCE AMERICA THAT SHE GIVES ME IS : XXXX SHE STATED THAT ALL OUR LEGAL RIGHTS ARE FORFEITED THAT WE WILL BOTH BE ARRESTED FROM OUR PLACES OF EMPLOYMENT AND THAT WE WILL NOT BE ABLE TO DISPUTE THE CLAIM AT ALL. 
THIS WAS AFTER WE CALLED AND TALKED TWICE WITH THE REP FROM THAT NUMBER AND OFFERED TO PAY STARTING IN XXXX WHICH THEY REFUSED. 
THIS IS THE THIRD TIME THAT XXXX XXXX HAS THREATENED US WITH PUBLIC EMBARRASSMENT, BEING ARRESTED, AND HAVING NO LEGAL RIGHTS. MY FIRST COMPLAINT THAT I FILED WITH YOU HAS THE REFERENCE NUMBER : XXXX
Consumer complaint received 2017-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

capital one bank has pulled my credit fraudulently without my consent 3 times on my XXXX and XXXX report, I have contacted their customer service dept numerous times and they have done nothing to fix this.
Consumer complaint received 2017-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

Dear Sir or Madam, Im contacting you to request assistance with the release of funds paid by my flood insurance carrier to repair damages to my home from a flood in XXXX 2016. My home at - Louisiana was severely damaged by flooding. I do have an existing mortgage held by Specialized Loan Servicing ( loan # ) that are holding funds needed to repair the home.The mortgage company has required the funds to be managed by XXXX. I have had continued resistance with the service and now after a year and four months they have halted disbursement of any funds again with another excuse.I find it frustrating to get a different story on wether they will issue funds every time I call. 
XXXX issued two checks totaling roughly 23,000 in XXXX for materials and work done.They now say they dont have the adjusters reports to match the amount of money they are holding. They state the report they have is for XXXX but the checks total XXXX. They will not issue any funds even though I have provided the required documentation and receipts for material and labor.They also refuse to advance any funds to me unless I finance the materials and or labor first. 
There seems to be every effort to force me into further hardship if not default. I have just been notified that FEMA is requiring we vacate the temporary housing they placed on the property and now Im getting further resistance on funds paid to repair my home. I do not understand how the home owner is denied any right to funds paid by insurance the home owner pays for. I have been asked to finance the rebuilding of a home when the mortgage company sits on the insurance money. 
I dont expect the mortgage company to release the entire insurance check. I do think however it is reasonable to issue a portion of the funds that can be accounted for with receipts as used.As it stands I now have a material provider that has provided all documents including lien waivers but has not been paid by the mortgage company. They are willing and able to file liens for said materials. Ironically the mortgage refused to issue funds to anyone without lien waiver and its the mortgage company defaulting on payment. 
As it stands now I feel I will need legal representation if I am to repair my home. I have included the initial letter I wrote to my mortgage company last XXXX as well as documentation they have as per their website.Thank you for any assistance you may give in this matter. 



Thankyou, XXXX
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. (AR)

I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to Experian, XXXX and XXXX upon my first complaint on this matter.I have sent them countless mail to resolve this matter and they keep sending me a automated message saying that the accounts are valid. I have filed FTC complaints and mailed them to the credit bureaus as well. I have also been keeping up with complaint letters I have been sending them via certified mail. I don't feel they are doing the proper investigations on my accounts and I would like to know what are the steps they are taking to validate the accounts. I want the following fraud items REMOVED from my report : XXXX  XXXX Act # : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It's against the law for me to complain about the proper construction of my credit report and said agencies to not fix the resolution in a timely matter. I have been complaining for the last XXXX  months and keeping up with my complaints I will now be filing reports with the attorney general about this matter on all XXXX agencies and expecting monetary relief for my pain and suffering.
Consumer complaint received 2017-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Coastal Financial Solutions, LLC (FL)

THIS IN REGARDS TO THE 2ND MORTGAGE WITH COASTAL FINANCIAL IN NEW JERSEY, XXXX IS MY PRIMARY MORTGAGE AND I AM CURRENT WITH THEM. 

COASTAL FINANCIAL IS TRYING TO FORECLOSE ON THE PROPERTY, I BELIEVE THEY HAVE SOLD THE LOAN TO XXXX XXXX IN XXXX, NJ. I HAVE BEEN TRYING TO GET THEM TO MODIFY THE LOAN AND HAVE NOT BEEN SUCCESSFUL. THIS COMPANY DOES NOT DO ANY TYPE OF LOAN MODIFICATION APPLICATION, ONLY A VERBAL WITHOUT OBTAINING ANY FINANCIAL AFFIDAVIT. THEY EXPECT A LARGE DEPOSIT TO BE MADE, FOR INSTANCE I WAS TOLD TO PAY ABOUT {$3900.00}, THEN WITHIN A FEW WEEKS ( AFTER I HAD XXXX AND COULD NOT MAKE THE {$3900.00} DEPOSIT ) IT WENT {$6100.00} WHICH I THEN MADE. A CONTRACT WAS THEN DRAFTED BY THEM AND I DID NOT AGREE TO THE TERMS, BECAUSE THEY WANTED AN ADDITIONAL {$8800.00} ON TOP OF THE {$6100.00} TO CONTINUE WITH THE MODIFICATION. I BELIEVE SOME HOW THESE PEOPLE ARE TRYING TO RIP ME OFF. I DID GET MY {$6100.00} BACK WHEN I REFUSED TO GIVE THE ADDITIONAL {$8800.00}, NOW THEY ARE MOVING FORWARD AGAIN WITH THE FORECLOSURE. I NEED HELP, THESE PEOPLE ARE TRYING TO STEAL MY HOME.
Consumer complaint received 2024-08-18
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from my credit report.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank CLOSED MY CARE CREDIT ACCOUNT WITH NO NOTIFICATION TO ME! After reaching them today, XXXX/XXXX/XXXX, I was told the account was closed for " lack of activity ''. The " customer service representative '' FAILED TO EXPLAIN WHY HOWEVER, I WAS NOT NOTIFIED OF THE ACCOUNT BEING CLOSED!
Consumer complaint received 2017-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

My wife had a XXXX back at end of XXXX and has finally returned to work full time at end of XXXX. I reached out to XXXX and asked about assistance with out payments and tried to work out something since we fell behind from XXXX to XXXX - due to wifes medical problems. 

I submitted all of the docs required by XXXX and they reviewed the account. They sent me multiple payment plans to try to get caught up. However, my normal payment is XXXX. They new payments proposed by XXXX were over {$1900.00}. If I was having an issue paying XXXX how can I afford over XXXX. 

I had asked about even doing a interest only payment for a few months and they denied this as well. 

I was asked on XXXX to resubmit new docs for assistance. I have submitted these docs 3 times over the last 3 months. 

I need help to get caught up. I would like to pay interest only for 3-4 months starting in XXXX or would like to have the missed payments added to the end of my loan and start paying the XXXX beginning in XXXX or XXXX.
Consumer complaint received 2017-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (ID)

I requested validation from Bonneville Collection via certified mail sent on XX/XX/XXXX for two medical collections appearing on my credit report. 

I did not receive validation response from them as the letters were returned to me as undelivered. 

Since I was unable to reach Bonneville I disputed the inaccurate item with the 3 credit bureaus. The inaccurate item deleted only from XXXX and continues to report on XXXX. 

I then sent another written letter via certified mail to the resident agent of their corporation as found in the public records ; he received my letter on XX/XX/XXXX and to date I have not heard back. 

This company is reporting an invalid address to reach them at and the Resident Agent is also not responding back. I have no other option but to request the support of the Consumer Financial Protection Bureau. I 've been attempting to resolve this situation since XXXX, nearly 6 months ago. 

Bonneville verified the debt to the credit bureau XXXX electronically but not to me. Alternatively, XXXX failed to process my dispute. Under both circumstances someone dropped the ball. They removed off one bureau XXXX XXXX but not the other. 

I request your support in the removal of the above inaccurate items that are listing on my XXXX  credit report. The law requires a furnisher of data to provide an accurate address with which a consumer may contact the provider to dispute the validity of reported information. This furnisher has violated my rights to dispute this item and furthermore has continued collection activity without validation ; also violation of the FDCPA. 

They are required to verify the validity of the item within 30 days. If the validity can not be verified they are obligated by law to remove the item. 

I 'm enclosing the two certified tracking for the letters sent to the Resident Agent. Also the envelope of the Returned Validation ; the two certified tracking for the dispute with XXXX. Copies of two letters sent to the Resident Agent. The two dispute letters sent to XXXX. Copies of the two validation letters sent to Bonneville. 11 attachments.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (VA)

I am having trouble requesting a second official letter from Equifax regarding a XXXX security breach. XXXX XXXX, I received a letter from Equifax stating that I have been impacted by a security breach. It stated that information including my name, social, date of birth and address may have been compromised. It also suggested me to sign up for their credit monitoring service ( XXXX XXXX XXXX ). During a move in XXXX, the letter was misplaced. XXXX XXXX, XXXX I called Equifax security breach customer service ( XXXX ) to request another written letter. They informed me that I must call customer solutions ( XXXX ). After speaking with Customer solutions I was referred to XXXX XXXX XXXX ( XXXX ). I requested a copy of my breach notice, the customer service rep suggested that I was customer of XXXX XXXX XXXX and recieved the letter from them. I informed that them I was not a XXXX XXXX XXXX customer, and the letter came from Equifax via mail. They informed that the letter did in fact come from " Equifax XXXX XXXX '' but I can not receive a second letter. They told me the only thing I can do is go to the equifaxsecuritybreach2017 website put my information in ( last name and last six digits of social ) and sign up for their XXXX XXXX  XXXX credit monitoring service. I was given no explanation on why a second letter could not be generated and sent by mail. Equifax has showed not only poor judgement and incompetence on security but also poor judgement and incompetence in finding solutions, resources, and quality customer service.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MI)

My XXXX XXXX statement shows 3 lines : 1 ) **APR for current and future transactions ''. This suggests that the balance is subject to a 0.00 % APR for this statement and future transactions 2 ) Balance Subject to interest Rate suggests that {$10000.00} is subject to a 0.00 % interest rate 3 ) Expires with Statement XXXX suggests that this is the last statement that will be subject to the 0.00 % APR. It also suggests that the next statement will show an increased APR, with a balance subject to that rate. 

I was charged {$160.00} on my XXXX statement. I believe the XXXX statement is clear and unambiguous ; I am to be charged a 0.00 % interest rate on the entire balance for the month. 

I believe XXXX XXXX XXXX uses this statement to be intentionally misleading. 

I called XXXX XXXX XXXX, and the woman I spoke with was combative and disparaging. She said that the information is clear and unambiguous, that the interest rate expired on XXXX. She stated that if I need help reading my statement, I should have sought help to interpret the financial statement. I work in the financial industry as an analyst, I am pretty familiar with reading financial statements. I agree that the statement was clear and unambiguous, I was supposed to be charged a 0.00 % APR on the balance. 

Not only was the customer service demeaning and rude ; they tried to argue with me, as if to say that this occurs quite frequently with other customers. I believe this is because the statement is intentionally misleading ; they are asked by management to argue with customers, make it seem like it is the customer 's mistake, and denigrate the customer 's financial knowledge. 

What an awful experience with XXXX XXXX XXXX, it is an equal disappointment that XXXX XXXX is associated with them.
Consumer complaint received 2024-10-17
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hillcrest Davidson & Associates (TX)

Did n't receive a notice five days prior to this creditor inaccurately reporting debt that is not owed to my credit file. The law states that a consumer must receive prior notice of their right to dispute and XXXX XXXX XXXX XXXX failed to adhere to the law. This debt is not owed.