davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TX)

On or around XX/XX/ I opened and account with Regions Bank for the company XXXX XXXX XXXX XXXX XXXX ( I, XXXX XXXX XXXX, am the president of XXXX XXXX. On that date I deposited only {$1000.00} dollars. 
On the date indicated the Bank sent me a Debit Card. I do not remember if I received that Debit Card or not. I never remember or wrote down the PIN. 
On XX/XX/ the card was activated. I did not activate the card. Regions does not have security steps to activate a debit card. Somebody may have my name and my SS and call and activate the card. The problem that Regions lacks one important step in the activation process. They do NOT sent a request to enter a PIN to activate card ( others banks do this like XXXX XXXX, etc. ) Then Regions allowed to change the PIN or use the one that I have created at the time of opening the checking account. 
Please remember that I did not wrote or even remember the PIN I created when I first open the Checking Account. 
Notice that the first fraud activity was XX/XX/ and the Bank never took action to cancel a card that was sent in XXXX. same year. How come they keep as valid a card for more than 5 months?. 
Next, once the charges started on XXXX Regions does not have any security like : 1. Informing me that there was too much activity on a card that has never been used before.2. Regions even allow large purchases to go in without stopping them, for example, XXXX XXXX # XXXX, 3 purchase for {$500.00}, {$1000.00}, {$2500.00} same day same time on XX/XX/. 
Region fail in stopping these transactions ( see statement ). 
I believe that the bank failed in his security too many times and therefore they are liable for the charges incurred into my checking account
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2023-04-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Also Experian took more than 30days to complete my investigation. 

I sent Experian my request to investigate XXXX XXXX XXXX Account number XXXX I mailed the request XX/XX/2023 which they received XX/XX/2023, tracking number ; XXXX. 30days has passed and Experian has not notified me of any investigation results. 

This is a violation. This is impacting me from moving forward to buy a car for my growing family. I attached my credit report which shows the credit bureau reporting incorrect date open. Incorrect last date reported. Incorrect last date active.
Consumer complaint received 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I received a Notice of Service Transfer for my home mortgage from XXXX XXXX to Truist Mortgage in XX/XX/XXXX with an effective date of XX/XX/XXXX. I began monthly payments ( principal, interest and ESCROW ) to Truist Mortgage on XX/XX/XXXX. A XX/XX/XXXX statement from XXXX showed a payment of {$2200.00} for COUNTY Tax was issued in XXXX, XXXX. This amount was short of the TOTAL County Property Tax ( XXXX XXXX, GA ) issued in XX/XX/XXXX for {$2500.00}. I believe the check of {$2200.00} was issued to TRUIST from XXXX for the Escrow months of XXXX XXXX and that the remaining balance ( + {$310.00} ) to be paid from XX/XX/XXXX escrow at Truist Mortgage XXXX On XX/XX/XXXX, I received a PAST DUE Property Tax bill from XXXX XXXX, including late fees. I contacted Truist Mortgage Tax department on XX/XX/XXXX. Their records indicated that a " check was issued '' in XX/XX/XXXX in the amount of {$2200.00} but had no other information... who sent the check, was it cashed, etc. The Customer Service Rep opened an inquiry on my behalf. I never received a response regarding this inquiry so I followed up with Truist Tax Dept on XX/XX/XXXX. The Customer Service Rep indicated that a NEW check has been requested but not processed. Also, there was NO information regarding the status of the original check and why after almost 4 months since the transfer of my mortgage to Truist. A Complaint was filed with the XXXX XXXX XXXX on XX/XX/XXXX and a Representative from Truist reached out to me on XX/XX/XXXX. XXXX XXXX indicated a Case was " opened '' and it would take at least 1 week to review. This timeline is NOT acceptable as I made TRUIST aware of non-payment of by County Tax on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. This Property Tax bill should have been paid by TRUIST on XX/XX/XXXX. TRUIST Mortgage has mishandled and misappropriated funds in my Escrow account
Consumer complaint received 2024-08-23
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. (MO)

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. XXXX XXXX is deleted off my Equifax but still reporting twice with a different company on transunion and experian. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX ( XX/XX/XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I created a recurring transfer to automatically pay my mortgage serviced by Truist via ACH on a monthly basis. I later attempted to cancel the recurring transfer at https : //bank.truist.com/web/tap/transfer/transferActivity so that I could make manual payments each month. Despite selecting " delete series '' to delete this recurring transfer ( multiple times ), the recurring transfer continues to re-populate and draft from my account each month. The net result is that there is no way to delete a recurring transfer via Truist 's web interface and Truist continues to ACH draft my account each month. In addition, upcoming ( scheduled ) ACH payments do not show up in the Account Overview @ https : //bank.truist.com/web/accounts/i/<your account hash> under Activity > Upcoming, they only show up under Transfers > Manage Transfers, resulting in confusion about whether or not the schedule payment will be processed. The scheduled transfers do not appear to be available to view or delete via Truist 's mobile app. 

I attempted to resolve this by calling Truist customer service ( multiple times in XXXX, XXXX ), but the Mortgage/Loan department believes that it is a problem with the online banking department, and the online banking department transfers me back to the Mortgage/Loan department. The result is that neither party is able to cancel my recurring ACH payment, I am not able to cancel it via Truist 's website, and it has resulted in multiple accidental double payments that are a financial burden.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-09-09
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ARVEST BANK GROUP, INC. (IL)

In XXXX we financed 4 trailers through ARVEST EQUIPMENT FINANCE. 

In XX/XX/XXXX we sold 2 out of 4 trailers. ARVEST provided the Authorization for Payoff, and received funds to close the account for two trailers. 

In XX/XX/XXXX we've been notified by the purchaser of the 2 trailers that they've never received the titles. 

We contacted ARVEST and found out that ARVEST has never closed the loan for the 2 trailers sold, and kept on charging us same monthly amount ( as for 4 trailers ).

When we requested clarification, ARVEST explained that they were not informed that we wanted to close the loan for 2 trailers, and instead, ARVEST applied the funds to the principal balance on the loan. This is not the way the agreement was. 

Finally, after pointing to their mistake, ARVEST sent a revised fee schedule, in XX/XX/XXXX. However, Arvest never refunded the overcharges that were placed on our account since XX/XX/XXXX. 

To all my multiple requests, ARVEST is replying with conditional actions : " we will release the funds after we receive a copy of the title '', " we will release the funds after we receive a copy of the insurance '', " we will release the funds after we receive the coverages from XXXX to XXXX '' and so on... That's not how it has to be. Our overcharges has to be release right away. And if they have other requests, then we can address those.
Consumer complaint received 2023-04-04
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove them immediately in my report : XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/ Balance : {$0.00}.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 has violated my rights.

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 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX along with XXXX, XXXX and Trans Union is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from XXXX. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for my credit report.
Consumer complaint received 2024-10-01
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. (CA)

I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-03
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: CORELOGIC INC (MI)

I contacted Credco regarding their name appearing on my credit report. They stated that they're a third party. The Creditor that is attached to Credco is XXXX Which I never heard of. I am asking for this company to be removed from my credit reports. As I didn't authorize them to run my credit.
Consumer complaint received 2024-08-12
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. (AL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-12
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MN)

On XXXX XXXX, XXXX my husband had a XXXX which left him with a XXXX. He has been deemed XXXX by the U.S. Social Security XXXX Office. Three days after his XXXX, while he was still in the hospital I contacted the mortgage company to explain the circumstances. As my husband is self employed and we had no savings I knew we would be unable to make our mortgage payment. I have been working with the mortgage company for the past 16 months to keep our home from foreclosure and have worked with several agencies. ( I have documented over XXXX steps I have taken regarding this matter ) On XXXX XXXX, XXXX XXXX XXXX XXXX submitted a a request for forbearance on our behalf. It was denied due to lack of income verification and XXXX said we would now need to work directly with the mortgage company. I submitted the income verification by the XXXX deadline and never heard back from the mortgage company until we received a preforclosure notice dated XXXX/XXXX/XXXX. ( During that time my father-in-law passed away and my husband had emergency carotid XXXX XXXX. ) In speaking with my husband he was able to say " email '' and it turns out he had been getting email statements for the mortgage company the entire time and I was n't aware of it, he had n't thought to tell me because of his XXXX. I immediately took the last statement and paid over {$6000.00} which the mortgage company refused. I then contacted the MN Attorney General 's Office. Under their recommendation we applied for a Home Affordable Modification in XXXX XXXX. After making three monthly trial period payments we were given the terms of the modification in XXXX which included {$9000.00} in past due and interest fees, changed the mortgage from a 20 year to 40 year mortgage, increased our interest rate by .25 %, increased our mortgage payment by {$7.00} per month, and shows no indication of the three " trial period payments '' we made totaling {$2300.00}. I feel very strongly that the terms of this refinancing are unjust and unfair and in no way " helps '' our family. Although we are still able to live in our home we will now owe well more than the market value ( {$90000.00} ). This issue has been negligently and grossly mishandled by the mortgage company, has been discriminatory with regards to my husbands XXXX and has caused us an incredible amount of stress and hardship during a time when I should be concentrating on the health and healing of my husband ( he averages XXXX-XXXX XXXX per week ) and the raising of our XXXX XXXX year old XXXX daughters. I would like to file suit in federal district court to cover actual and punitive damages.