davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

We have had our mortgage with Suntrust since XXXX and have never been late on a payment. We had moved money from our XXXX XXXX account on XXXX in the amount of {$4400.00} account to our SunTrust bank account. Are mortgage is to be pulled automatically of {$4300.00} and it had been set up that way since inception. They never pulled are mortgage even though there is a 15 day grace period and it was setup on auto payment. They claim auto payment tries once and then they cancel auto payment. 

In there response to us, they had emailed us to two different email addresses that were not accurate even though we had changed our information through the bank, they never updated our email information with Suntrust mortgage. They claim they emailed us at : XXXX where she hasn't worked since XXXX and XXXX which is my email and I parted ways with the same bank in XXXX meaning they knew I wouldn't receive that email. 

Those emails per them were not sent until XXXX XXXX when there would already be a 30 day late payment meaning Suntrust didnt try to actual call there clients and let them know that they stopped the auto payment that has been fully working properly from XXXX. 

I emailed XXXX, who we were told is the head of suntrust mortgage, to try to have a conversation with him or someone in management and didn't receive any response from him or management. 

Then, On Friday XX/XX/XXXX, We got an email from CFPB that SunTrust closed complaint detailing the same information that they tried to notify us with wrong information of our correct email addresses. 

Then, an hour later, my wife got a call from SunTrust from XXXX, who said SunTrust was still working on this case even though we had gotten word from CFPB that they had closed it out. XXXX said he wasn't aware of any close out and would call us back later that day to see what is going on. 

This didn't happen and we never heard back. 

We then emailed XXXX a second time and left a voicemail with no call back or communication. 

We are now convinced that SunTrust didn't want, in good faith, to actually make things right with a client that has been with them with two different mortgages since XXXX. They are claiming that they tried to reach out and that will justify ruining a good client 's credit. 

If SunTrust bank would have updated our email addresses in XXXX with the mortgage department, we would have made the payment 10 minutes from it. But we didnt know the auto payment shuts off and we had no knowledge.
Consumer complaint received 2024-09-24
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. (CA)

My credit report shows that I have a late payment with target for the month of XX/XX/year> which is absolutely false. The payment was made and can be confirmed by XXXX XXXX ; it is set up with automatic payments and also overdraft protection so there shouldn't be any late payments. I reached out to XXXX  and they said they would contact the credit bureaus to fix the problem but the problem was never fixed. I disputed with the credit bureaus and the dispute was denied. This has a hugely negative impact on my score and needs to be fixed ASAP.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

I tried to correct payment with a credit card company belive it was Citibank. They couldn't retrieve or find an account they keep transferring me to different departments only to be told the same thing. Theirs a charge showing on collections for this charge. This charge keeps hurting my credit when i tried to straighten out. They should pull this charge from my account since they cant locate one never should have been sent to collections.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I was " turned down '' a new cell phone offered by " XXXX '' because of false/incorrect information on my " Experian '' credit report.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC (CT)

This company adds a negative credit remark to my credit saying I owe them {$6000.00}. I contacted the company they had incorrect contact information and I disputed the account that I knew nothing of. I explained to them I had no knowledge of the account and they stated it was my problem. I asked for the account to be removed from my credit as it was not mine. They promised theyd send me written information and have not as of yet. They stated it had my name on it snd it was my issue and to make payment arrangements with them. I explained to the rep it was not my account
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (OH)

I canceled my cellular service with XXXX XXXX XXXX in XX/XX/2020, I was contacted in XXXX regarding the debt and have been trying to work with them on settling the debt for a lesser amount, the bill collector has refused numerous tips to settle this debt. I dont feel that I should pay the full amount because I can disconnect the service due to false bills, poor service and them not meeting the standards that they set for when I first got the service.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

I have an issue regarding of my Paypal account and i've been using it for almost 2 years now, and i just got received an email that i can no longer use my account permanently without receiving any notice. They just permanently limit my account just like that. Please help me restore my account. Thank you.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IN)

I sent them several certified letters and they have not respond to any of them! To verify my account and show record that they have a right to collect. I sent them a letter not to call anymore and you can see they did start to email me and I responded in a timely fashion to them and they have not responded to me in like manner. They trying to collect for XXXX and this is clearly out of time And I've responded to every letter they've sent. Unfortunately I have already filed letters of XXXX filed away.
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (AZ)

I have information to rectify my dispute from the creditor but Experian and XXXX XXXX has blocked my account when trying to file a dispute online. It states it has a problem accessing my credit file. Yet, I can login and review my report but when it comes to the dispute, Experian cant access my credit file and XXXX  keeps suspending my account because I have been disputing this account religiously. Im pretty sure if the shoes were on the other foot they would be doing the same for inaccurate reporting on their account over 2 years.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NY)

I was sued by LVNV Funding LLC, alleging that I owe them a debt that they bought from the following companies with Chain of Title : LVNV Funding purchased the debt from Sherman Originator LLC on XX/XX/2019, who purchased it from Sherman Originator III LLC on XX/XX/2019, who purchased it from XXXX XXXX XXXX on XX/XX/2019, who purchased it from the original creditor XXXX on XX/XX/2019. 

I do not recognize the original debtor, and I have requested validation of the debt multiple times from LVNV Funding XXXX who is also my former employer through Resurgent Capital Services, their Account Administrator ), who has not provided me this validation in a manner that satisfies my inquiry. I feel this action is harassment, given that they have not provided adequate chain of assignment, and LVNV Funding has been sanctioned multiple times for this behavior. Their attorneys ( XXXX XXXX XXXX XXXX are also the subjects of various investigations by the CFPB and the New York State Department of Finance into actions such as robo-signing of lawsuits and others acts of bad faith. XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  In my case, my attempts to seek substantiation of debt were met with a lawsuit.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

My dispute is regarding a collection account showing on my credit report from Convergent Outsourcing , Inc in the amount of {$7000.00}, originally from XXXX, which I do not believe I owe. I have disputed this account directly with them and even hired a company to assist me with no result. They were informed that I dispute the debt and that I never received proof that I owed this debt, they were also informed that I will not pay until I received proof that in fact I owed XXXX  {$7000.00}. Still they continue to report this account on my credit reports and this situation have negative impacted my credit and have created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you
Consumer complaint received 2021-05-20
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. (WA)

I had disputed discrepancies and Inaccurate information on a charge off account with XXXX. Experian stated it was verified but the inaccuracies and discrepancies still on my Experian and XXXX. Experian shows : Acct # XXXX XXXX XXXX XXXX Original Amount {$3200.00}, status date XX/XX/XXXX, payment status charged off it does not state how much was charged off, balance {$17000.00} is incorrect, terms 37 months, individual acct, it does not state last day of activity. My XXXX shows : Account XXXX date opened XX/XX/XXXX delinquency first reported XX/XX/XXXX, date of last payment XX/XX/XXXX, XX/XX/XXXX account status charge off, Individual acct. terms frequency monthly, term 39 months or different, original balance was {$3200.00} charged off {$2400.00} states Balance is {$13000.00}. it does not state last day of activity which is the FCRA states that all credit information she report accurate with no discrepancies and consistent on my credit report. these are reporting inaccurate with discripancies which is a violation.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Comenity Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Comenity Bank please take leniency on my hardship and remove any XXXX  lates as a onetime goodwill adjustment.
Consumer complaint received 2024-09-20
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was getting unemployment pandemic relief money from Bank of America and shortly after I started getting unemployment benefits paid on the card they froze the card because they wanted me to prove identification. I tried to do that but it was too difficult because of how I was supposed to do it and because I was homeless do to losing my job I didnt have the resources to do so .. and I know it was a long time ago but I know Bank of America got paid that money from Edd to pay me and I was awarded the money so its mine and I need it now. So I wasnt able to ever receive it.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Healthcare Collections, LLC (AR)

I got a credit strike for debt XXXX XXXX reversed after an investigation into unauthorized billing. Its from a location I do not live in. I moved to XXXX  in XXXX of 2020. I have a XXXX  and XXXX. They obviously did not know you have to send mail or make contact before reporting a collection to a chapter XXXX protected individual. File # XXXX XXXX XXXX XXXX  XXXX. I had billing fraud from XXXX Hospital in XXXX. XXXX XXXX XXXX XXXX  attempted to collect for a preemployment physical and then a XXXX  XXXX. XXXX  swept it under the rug but he has more complaints, and licensure investigations for having XXXX with patients, XXXX  use, and HIPAA VIOLATIONS. I have a great XXXX  team and a great attorney who has advised to report this as fraudulent credit collections. I will sue them in court for unauthorized credit card billing, identity confusion, signature forging, and illegal collections of a bill not received. I am contacting you because of the threats in the past. XXXX  XXXX  collected from them money they investigated for running a card for payment 400 miles away. I am reporting a violation of federal law. I will be happy to produce evidence of such.
Consumer complaint received 2021-05-20
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: OneMain Finance Corporation (NC)

I have reviewed a copy of my credit report and I show company SPRINGLF FIN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-20
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: BBVA FINANCIAL CORPORATION (FL)

BBVA credit card account was charged off and sold to collection agency " XXXX  XXXX XXXX ''. Account was settled and paid in full. XXXX XXXX provided letter of satisfaction. My original dispute was to update the credit bureaus to update as Payment after charge off/Collection settled - less than full balance. It currently shows Charged Off As Bad Debt. I have sent the letter with my disputes but BBVA will not update. 

I am currently involved in a new mortgage loan. The score is affecting my interest rate and down payment percent.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I initially send a copy of my FCT report and identification to all credit bureaus in XXXX. I received a notification via my XXXX account that the account for the company Credit Acceptance would stay on my account. I had been working directly with the company in the past to remove this from my credit as it is not my debt and identity fraud. I spoke with an employee at Credit Acceptance XX/XX/XXXX, then another employee named XXXX in the complaint department XX/XX/XXXX. She informed me that they had received a fax from me from XXXX but it was half way cut off so they could not determine anything. I informed her I in fact had not sent them a fax of anything and it more than likely was from the credit bureaus. XX/XX/XXXX I then faxed XXXX the information requested ( which I had previously mailed a while back when trying to get this off ) my ID, ( social ), FTC report, my signature 5 times. She mailed me a letter stating what I had send wasn't enough evidence when in fact I sent everything that was asked. This company is determined to keep this own my credit when it is clear this was identity fraud.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (LA)

I entered a consumer credit transaction with FED LOAN and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that FED LOAN claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. FED LOAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2021-05-20
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: Capstone Credit & Collection, LLC. (FL)

CAPSTONE CREDIT & COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Phone : XXXX They are reporting the incorrect account type and incorrect account status I have reached out to all 3 credit bureaus as well as the collection company and they are clearly in breach of metro 2 by reporting a collection account as an installment account when metro 2 clearly states it has to be listed as open. I also do not know if this account is reporting as opened or closed because it is inconsistent two credit bureaus say the account is closed and the other claimed it is opened. How can that be if they are coming from the same source? They have all verified this account as accurate.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Target is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt. I immediately called and settled this debt with them. I however, was never given calls, letters or notices about this debt before it reported on my credit file. This is a violation of my 30 day right to dispute and it must be removed.
Consumer complaint received 2021-05-20
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. (PA)

EXPERIAN is reporting a Bankruptcy on my account that they claim they validated through the courts. They have falsely verified this debt and completely unlawfully sent documents stating they investigated it. This is FALSE because I myself contacted the courts and they provided me with proof that they DO NOT SEND THEM ANY VALIDATION so why is EXPERIAN STILL REPORTING THIS *FIND ATTACHED*? 

Under the Fair Credit Reporting Act, this item may not appear on my credit report if it can not be supported by any documents or evidence. This account is inaccurate and in violation of Congress law according to US Code 15 Section 1692g. I do not validate this debt as the original creditor. Please remove immediately. Attached please find ALL my identifications and remove it. 

PLEASE STOP TELLING ME THERE IS AN " UNAUTHORIZED USER '' ON MY ACCOUNT THIS IS ME XXXX XXXX XXXX YOU CAN SEE ALL MY DOCUMENTS ATTACHED STOP SENDING THAT AUTOMATED EMAIL AND TAKE CARE OF THIS PROBLEM IMMEDIATLY. IVE SENT YOU NUMEROUS LETTERS AND YOU ARE NOT SOLVING THE PROBLEM.