davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2022, I formally requested cancellation of my PMI based on the appreciated value of my home. I requested the cancellation through my mortgage servicer ( Truist, formerly SunTrust ). I requested this through the chat feature on their website, and phoned the customer service line, speaking with a representative to make sure that I was taking the proper steps to get started on that process. I was told that someone would follow up with me in 30 days. Today is XX/XX/2022. This is over 30 days after the initial request, and still no follow up from Truist. I reached out to customer service again via the online chat feature. I went through the proper steps to chat with a representative about cancelling my mortgage insurance. I was placed on hold for approximately 1 hour before I finally received a response. The response was the same generic response I received 35 days prior. It read something like, " We have received your request to cancel PMI, we will get back to you within 30 days. '' The representative immediately closed the chat without even a chance for a follow up from me. I called the customer service line to be connected with a representative over the phone. The automated message service told me I would be placed on hold before the line went completely blank. No hold music, no connection with a representative. Just slight static.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MO)

The Synchrony Bank XXXX XXXX XXXX XXXXXXXX credit card has on their web site ( XXXX ) and I have received fliers in the mail stating that they have wireless cellular phone damage protection. When I tried to file a complaint through XXXX as stated on the web site, XXXX told me that I didn't have the benefit and that XXXX was probably doing a " bait and switch '' and just lying to me. They suggested that I take it up with XXXX. 

I then called XXXX. Four different operators and one supervisor stated that they had never heard of the benefit. I pointed out that it was on their web site and that I could send them a screen shot. The supervisor ( XXXX XXXX suggested that I call XXXX. I explained that I had already done that. She then called them for me with me on the line. After 35 minutes she just hung up on me. 

I then called back and the next operator said that she knew all about the benefit and that she thought I should have it. She didn't understand why XXXX would do that. 

I'm very frustrated that XXXX is advertising a benefit on their web site and then denying it. They are clearly promising benefits that they have no intention of delivering on.
Consumer complaint received 2022-02-08
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. (FL)

The issue began with XXXX XXXX XXXX XXXX reporting an erroneous collection to the credit bureaus. They claim to represent XXXX XXXX XXXX whom I had a tenant contract with. Due to multiple serious violations and complaints, I was given the authority to terminate lease early and stated as much in an email from the then property manager I could do so without penalty. Subsequently they cut off communication to me. I sent a certified letter to the address in the lease regarding my intent to vacate. Rent paid until the day I vacated. They not only received my letter, but then claimed to never have received it. Evidence from USPS supports this. They did purposely and with intent to harass me. This same manager was convicted and sentenced to Federal prison late last year for fraud among other charges. XXXX has removed this account as no documentation supports this purported debt. XXXX is in the process of removing it also. Experian refuses to provide proof or delete it.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

Between the time of XXXX and XXXX I was a victim of identity theft and had multiple bank accounts fraudulently accessed. On XX/XX/XXXX, I opened a checkings account through the XXXX XXXX  XXXX and during the time I was a college student so I mainly only used my bank account for day to day things like rent, groceries and paying bills. Moving forward to XX/XX/XXXX my bank account was closed by the bank due to account checking fraud. I was told that there was nothing I could do, so I went on and decided to open checking account at but this time at chase bank. My bank account at Chase was opened XX/XX/XXXX and I was in good standing with that bank account for about a year until I got my identity stolen, because of an incident where my wallet was taken from me. Due to the incident I started seeing unusual transactions happen on my account that later led to my checking account being closed on XX/XX/XXXX. Chase closed my account and I was no longer able to bank at another financial institution after that incident. It is now XXXX and Ive just excepted the fact that these things happen and have ignored the fact that I havent been able to have a bank account for years now and I would like help getting past this unfortunate hold on my life and regain access to a traditional financial institution account instead of using prepaid cards. Majority of these things happened to me between the ages of XXXX to XXXX. I am now XXXX years old going on XXXX and I would like to get help figuring out what I could do in order to regain access to a traditional checkings and savings account.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (CA)

I have an inaccurate 30 day late from an old Mortgage account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA ) currently being reported on my credit. The account is paid/closed from XXXX with XXXX XXXX XXXX This error has been reported by only Equifax as recent as XX/XX/XXXX. 
I've contacted both the creditor ( XXXX XXXX ) and the credit bureau ( Equifax ) about this discrepancy. Both have been non responsive to my request to correct the error on my credit. 

XXXX requested a copy of my credit report which I sent them on XX/XX/XXXX. 
I've also disputed this error with Equifax because of all 3 bureaus they're the only bureau reporting this error as recent as XXXX. 
As I stated before this account has been paid and closed since XXXX.
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist f/k/a SunTrust Mortgage lender, Loss Mitigation, XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX Loan Modification XXXX. XXXX modified my XXXX, XXXX, XXXXXXXX XXXX mothers mortgage in XXXX, XXXX. My mother the borrower an XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX allededly " signed '' the loan modification for 40 years at 6.375 %. The Affiant XXXX XXXX XXXX, Attorney-Of-Fact initiated this modification due to the fact she fell behind on the payments while soley residing at the mortgaged property located XXXX XXXX XXXX, XXXX GA XXXX XXXX 
Please investigatethis case as I have attempted numerous times to report TRUIST mortgage and bank for mortgage fraud. 
XXXX XXXX notarized with bank employee witness ; XXXX XXXX. 
XXXX XXXX XXXX is/was deemed mentally incapacitated XXXX separate Evaluations by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had many physical limitations, XXXX hearing and sight impairments along with her being bedridden with XXXX hospice care including a broken femur in XXXX. 
XXXX XXXX XXXX ( Now deceased as of XX/XX/XXXX ) XXXX XXXX XXXX along with Truist f/k/a SunTrust mortgage modified while the borrower did NOT have the capacity to Contract. XXXX  also stated in numerous text exchanges being fully aware of XXXX XXXX 's Incapacitation ; XXXX. See Attached Documentation. 

Thank you Kindly, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I made my XX/XX/XXXX payment to XXXX XXXX XXXX. They cashed the check on XX/XX/XXXX and then the loan was transferred to Community Loan Servicing. Community Loan Servicing has not posted my payment although I have called them several times and provided them a copy of the canceled check AND my bank statements for XXXX months showing the check was cashed and the funds taken from my bank account. They now say I am due for the XX/XX/XXXX payment even though I have paid through XXXX.
Consumer complaint received 2022-02-08
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. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America refused to refund my money that was taken from account in error in XX/XX/XXXX. I had to do a stop payment with my bank to get my money back. After removing the stop payment ; BOA continues to revoke my payments and false information is noted on my account stating the error is resolved each time I contact an agent. 
I want to submit a formal complaint for the false information, lack of resolution, and have BOA stop revoking my payments. 

XXXX after my home refinance was completed, Bank of America XXXX BOA XXXX took a payment out of my account in error in the amount of {$940.00} - XXXX I contacted my BOA loan advisor, XXXX XXXX ID XXXX who confirmed this was an error and advised me to contact customer service for a refund XXXX I contacted BOA customer service who confirmed the error and was directed to send a copy of my bank statement showing the payment was taken out. 
XXXX a copy of my bank statement was emailed to XXXX Ref # to this issue was XXXX XXXX receiving this information, BOA still refused to refund my money. I completed a stop payment with my bank to get my money back XXXX stop payment to BOA removed from my account BOA continues to revoke my payments. After several calls with the company representatives have stated false information on my account stating the matter was resolved each time. 
XXXX call with representative ID : XXXX requesting that I send a copy of the stop payment document from my bank. Complaint also submitted # XXXX XXXX stop payment document from my bank faxed to BOA XXXX I received a letter from BOA by mail dated XX/XX/XXXX stating my issue was resolved on XX/XX/XXXX ( which is incorrect ) stop payment on my account occurred XX/XX/XXXX
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 

see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX / XXXX / {$6800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-07
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 requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
Experian XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX - Employer : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I recieved 2 different Visa debit cards from TD bank which I never have or even heard of them. I called them a few weeks ago and got their fraud XXXX. and they said they took care of it. Today I recieved checks from 2 different accounts which I did not order, as I am typing this I am waiting for them to take my call for these checks. I did not nor do I want these. I have locked all3 Credit Bureaus a month or so ago because I recieved a card from XXXX XXXX XXXX which they informed me they caught and stoped it before I did.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C. SYSTEM INC. for committing identity theft. I have never given I.C. SYSTEM INC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM INC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 

If this documentary evidence can not be produced and I.C. System Inc. continues its collection efforts, I will file for litigation for actual damages caused and I.C. System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both requested and required. 

Certified Mail # XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-02-08
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. (NY)

XXXX XXXX XXXX reported on XX/XX/XXXX. 2022 on XXXX that XXXX misses payments. XXXX is a closed account.
Consumer complaint received 2022-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Transunion credit report showed a collection item from XXXX XXXX XXXX with a phone number of XXXX, the phone is a recording who never calls back. The company placing that collection, was XXXX in XXXX, OH. They said an online purchase of a phone on XX/XX/2021 was made with a XXXX credit card, that was not mine, through XXXX XXXX and shipped to an address that was not mine. When the account was not paid, the collection item appeared on my credit report as well as my husbands account. 
We both filed an identity fraud dispute on our accounts. 
In addition, we have filed an identity fraud complaint with the police department, and will be following up with the Federal Trade Commission.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I would like to know what type of game XXXX, XXXX, and Equifax are playing. Looking at my consumer report I have companies with more than one account listed like XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. I reached out in XX/XX/2021 and last week about the fraud happening with my report. Then there is a cell phone company XXXX listed and I would never do business with them they are too high priced. If I have not learned anything at all in financial training I learned that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have to give the go on listing anything on my consumer report. The bureaus do not have my consent and are violating me and the law. I want this fixed in 15 days max.
Consumer complaint received 2022-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. I DONT KNOW WHAT TO DO SO I AM WRITING YOU GUYS, HOPING I CAN GET SOME ASSISTANCE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

On XX/XX/XXXX, I mailed Credence Resource Management , LLC a letter which which contained an FTC Identity Theft Report explaining I am a victim of Identity Theft with an Identity Theft Report. Credence Resource Management , LLC received this letter on XX/XX/XXXX, which was mailed through the US Post office, USPS Certified Mail, Return Receipt No : XXXX. They responded with a letter stating I requested them to verify the account, which I did not. They continue reporting this fraudulent account to the major Credit Bureaus, who were also notified of the Identity Theft. XXXX XXXX XXXX, who Credence claims they are collecting on behalf of, were also notified of the Identity Theft and claimed Credence did not notify them about anything I mailed them nor have any knowledge on who they are. Credence continues to report this fraudulent account after they were notified by me to remove this fraudulent account from my credit reports and conduct an investigation into this matter.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

on XX/XX/XXXX a credit card for Bloomingdales appeared on my credit report. I reported a dispute, and again on XX/XX/XXXX I reported again another dispute. with no report of a solution. I contacted bloomingdales today XX/XX/XXXX and they have started a fraud investigation and I have reported to XXXX again and they have reported fraud also