davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (VA)

I have had an FHA loan with SunTrust mortgage since 2009 when I purchased my condo for {$200000.00} with the help of a mortgage broker who has since left SunTrust. At the time, the condo appraised for {$220000.00} but because I had just started working, I still had to pay mortgage insurance since we did not have the cash for a XXXX % down payment. More recently, because of lower interest rates and multiple spam emails from the current broker, XXXX XXXX, I decided to apply for a refinance. Initially XXXX was very helpful, and although I did not qualify for the lowest advertised interest rates since I no longer lived in the condo, she said that I would still be able to lower my mortgage payments with the refinance. We decided to proceed with the application. The appraisal came back at {$190000.00}, which was partly based on a comparable rental that had a lower price listed on the appraisal then on the Internet as well as a comparable sale in a multiunit building with many previous sales, none of which were on the original appraisal. XXXX said that because of the lower appraisal I would need to pay mortgage insurance since I no longer had enough equity in the property. I asked to appeal the appraisal but also offered to pay down enough of the mortgage to Own more than XXXX % of the lowered appraisal. The following day XXXX responded that the condo association did not meet required XXXX % annual reserve allocation requirement on the budget, despite the fact that the HOA allocates XXXX % of the budget to reserves and has cash reserves that are greater than XXXX % of the annual budget. I asked for a refund of the appraisal fee since I felt that the reserve allocation issue should have been discovered prior to going ahead with a {$500.00} appraisal. I did not receive any response from SunTrust. I suspect that they are only interested in collecting the appraisal fee and were looking for any excuse not to proceed with the actual refinancing since they are already collecting a higher interest rate, as well as mortgage insurance.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion kept on reporting a debt that has been paid already. These debts are as follows : XXXX XXXX XXXX for {$150.00} and XXXX for {$290.00}. All these debts have been paid yet TransUnion kept on reporting it as an " open '' collection.
Consumer complaint received 2015-07-27
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: South Carolina Student Loan Corp (SC)

. In XXXX of 2014 I called in to my student load holder and found out that my loans were in default. I then was set up on a payment agreement over my schedule payment to bring my loans out of default after 6 months. After completion of the 6 months my loans remain in default. I was then told until I repay the past due balance I would remain in default. My only option now is to increase my payments again over my loan payment. I want to continue to pay my student loans as agreed and not have it effect me negatively while continuing to pay. I am not looking for a way out of paying loans but to bring my loans out of default status.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried calling them to remove my inquires and they wouldnt remove it. According to FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!
Consumer complaint received 2015-11-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (NV)

Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. In 2010, my husband and I were hit by a drunk driver. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws. 

They have never contacted me prior to submitting this false information to XXXX and have been unable to produce any evidence as to the validity of these multiple charges. 

In 2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Our representing attorney was XXXX XXXX. 

These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (LA)

Consumer Name : XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number ( private ), XXXX XXXX XXXX {$6900.00}, XXXX XXXX XXXX {$540.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-02-24
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: D2 Management LLC (PA)

the caller NEVER STATED FROM A COLLECTIONS AGENCY, NEVER STATED XXXX RIGHTS, THE CALLER THREATENED LAWSUITS AND SAID I WAS IN VIOLATION OS LAWS, THE CALLER TOLD ME I WOULD GET WAGES GARNISHED ( HOWEVER IN A STATE THAT DOES NOT ALLOW THAT ) I WAS TOLD I MUST PAY THIS OR ELSE ( DEBT IS MORE THEN 7 YRS OLD. AND PAST THE 4YR STATUS OF LIMITATIONS ), THE CALLER WAS XXXX, XXXX, THREATING LEGAL ACTIONS AND SAID THEY WILL TAKE ME TO COURT IF NEEDED AS WELL ( THERE A 3RD PARTY NOT THE ACTUAL DEBTOR ).
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

Filing a complaint against equifax regarding a credit card account from regions which does not belong to me. Regions states the account does not belong to me and should not show on my credit history because I am just an authorized user for which I have never even authorized to begin with. I have request this removal at least 4 or more times through exqifax and they continue to nelegect it. I had no issues with XXXX or XXXX on this removal. I will also attach a document provided by XXXX manager showing that the account is closed and I was only listed as and authorized user and should not appear on my credit history report. Also attached are my credit history reports from all 3 bureaus. Please this is on going issue for 2 or more years I would really appreciate if this was removed indefinitely from my credit history.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (MS)

I have no idea where this item came from that showed up on my credit report. I have not received a bill or anything stating exactly what the charge is. It looks identical to a false charges that was placed against me years ago that your agency assisted me with resolving
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-21
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. (FL)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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. 

XXXX and XXXX had Deleted my bankruptcy but TransUnion, LCI and XXXX are not complying with the Law.
Consumer complaint received 2017-03-21
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (PA)

I use this rush card for my direct deposits or work and I can use it to put other money on this card so I decided to put my income taxes on it this started on XX/XX/XXXX when my Federal was sent to my card got my money that day. went to bed it is XX/XX/XXXX that 's when my money was gone XXXX of it called the card hysterical wanting to no what happen to my money they said everything will b all rite and they will get to the bottom of this they sent me a form with what I told them and about two weeks later they said they found no error and that was it I have a police report as well and they are still looking into it I need more help I hope you guys can
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (WA)

I sold a house in XXXX, IN back in 2014, all bills were paid in full as part of the property sales agreement. Several months later the Indiana power company sent me a bill for new power consumption. I informed them at the time of the sale of the house and at receipt of the first bill that the house had been sold. NRA Group continually calls me now and refuses to send me proof of debt so I can address the issue.
Consumer complaint received 2022-08-16
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. (GA)

I notified XXXX that I am 66 years age and have had credit most of my life. I have purchased 5 houses and I have banked at the XXXX XXXX XXXXXXXX for 26 years. None of this information is reported on my credit report. All of my accounts are reporting 10 years or less. I have been paying more interest for credit and I have been denied credit cards and my credit card offers are reduced because of my short credit file history. What can you do to help?
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (MD)

I have an account with Suntrust bank and on XXXX XXXX, 2015, they charged me and overdraft fee on an item that was able to clear my account. The overdraft fee charged was {$38.00} on the same day of the XXXX XXXX, 2015 and my account was still positive {$32.00} and after the fee they charged me cleared I was still positive in my account with {$17.00}. This bank charges overdraft fees before 24 hours.
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (VA)

I have been adding additional funds to my Citi mortgage payments for the past year. My expectation ( and assumption ) was that these extra funds would be used to reduce the outstanding principle. I was shocked and dismayed to learn that Citi had been accumulating the extra funds in a non-interest balance called " future payments. '' The rep on the phone ( who is going to apply 3 payments to my principle - ticket number XXXX ) said that they can not go back more than 90 days, so the " future payments '' balance still has two payments sitting in it interest free while I pay interest on my principle that I can not reduce using those funds. If I want more than my expected payment to be applied to principles, I am required to move my bill payment for the mortgage from my bill pay system at XXXX XXXX to Citi EZ payments or I can call once per month to have it applied. 

I have had mortgages at many banks in the past and made the same excess funds in my payments and have never seen this. This seems debilitating complex to pay down my principle faster than they prescribe and they appear to have engineered this policy to maximize their profits. 

Should it be this difficult to reduce my mortgage?
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: McCarthy, Burgess & Wolff, Inc. (FL)

For the second time someone stole my identify. This time they opened up a XXXX XXXX account that when into collection for {$1200.00}. McCarthy , Burgess & Wolff , Inc. only contracted me when I discussed the charges on my credit reported and filed an investigations. They then confirmed that these where my charges and added a collection fee of {$210.00} to the bill. I was able to find the correct number and proofed to XXXX that these were not my charges! They issues me a letter stating that I was not responsible for these charges on XXXX XXXX, 2016. I am still trying to get the XXXX credit agencies to remove this information that they placed in my files. They have suppressed my credit score and caused me damage!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 2015-09-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Admin Recovery, LLC (OH)

A collection agency is contacting my Mother, a XXXX year old with health issues. She told them i do not live there yet they continue to call. On one call they told her to relay the message if i do not contact them before XXXX they would be filing a complaint against me. First of all to tell a non spouse that any action is going to be taking against me is against the FDCPA. They were vague as to why a complaint would be filed which frightened her even more to death to the point when she was trying to give me the message she was unable to find the correct words which happens when she is stressed or flustered. They have one opportunity to leave a message after that the number should have been ceased and never called again yet they have made at least XXXX calls to her. This is a debt I am disputing as over the course of 3 years they continued to take the payment out on the wrong date causing me insufficient funds monthly.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus Experion, XXXX, and XXXX. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account # XXXXThere is also XXXX account which all three bureaus must have realized the late payments were incorrect and deleted it. However, XXXX suddenly started reporting the late payments again. This account is : XXXX- account # XXXX
Consumer complaint received 2016-08-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (FL)

I called to North Group Inc. Because I received a collection bill from them, after providing them with all of my information for their verification, even though they sent a letter to my home with the enclosed bill, I was told that my date of birth did not match, even though all of my other information was correct, after speaking with XXXX different people I was told that there was nothing they could do and the only help they can give me was by deleting my address from the mailing list which it will not really help me since I can not even dispute the debt since my date of birth does not match, so in 30 days the debt will be recorded to collections under my name and social, hence why I am making the complaint asking for help.
Consumer complaint received 2016-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (AZ)

Navient consistently misstates the amount due on my student loan, calls constantly including after XXXX XXXX, and sends emails stating my account is past due for days after my payment has been made electronically.
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (GA)

XX/XX/2015 I received a notice from XXXX collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, Franklin Collections Services. I called XXXX and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!
Consumer complaint received 2015-10-20
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Advance Bureau of Collections (GA)

XXXX XXXX keeps calling me repeatedly from phone number XXXX I mean back to back calls, I will be more than happy to provide my cell phone records and she will leave one message but then keep calling and wont leave another message. TODAY XXXX/XXXX/2015 was it for me she called me from her cell phone repeatedly which is phone number XXXX and I do not appreciate that one bit. She is very rude and very hateful.
Consumer complaint received 2016-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (OH)

Pinnacle Credit Services XXXX XXXX XXXX XXXX MN XXXX Phone XXXX is a 3rd party collection agency. I have been working with a company called XXXX XXXX. We have been trying to get Pinnacle to provide more than name of there original creditor. They provide no proof in the form of original forms, contracts dates, signatures. XXXX XXXX tried for several years and now I have sent certified mail requesting the same with no reply at all. I want them to prove with all the above I owe said debt