davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

My loan originated back in XXXX. During this time both me, co-borrower and the borrower paid our monthly mortgage plus more to our escrow. We did this because our taxes and homeowners insurance was thought to rise. Fast-forward to end of XXXX, I sent Branch Bank ing and Trust a 2- individual copies of our statements from XXXX  County property taxes . Our taxes our 50/50 because we are not legally married. Although BBT received these individual statements from XXXX  County Property taxes office and myself. BBT decided to only pay one and not the other. I disputed this when I found out that my portion of taxes were now placed in Lien status due to this error on their part. Because of this our mortgage extra escrow was depleted to pay my taxes which now increased over 35-40 %. This exhausted our account plus our financial accounts. We were initially required to pay only {$2900.00} and after this occurred, our mortgage payments increased to $ XXXX for nearly 14 months. 
BB & T never admitted to the discrepancy on their end. However, I wrote letters and they later came to the conclusion that they messed up but will not waive late fees, or compensate the error. 

Now 7 years later ( XXXX ), the pandemic happens. I made the decision to request deferral in XX/XX/XXXX to help while our financial circumstances changed. The borrower and I had encountered financial hardship. It wasn't until XX/XX/XXXX when I was informed of TXHAF. I spoke with a representative from Truist, formerly known as Branch Banking and Trust. The representative said I could apply for homeowners assistance but it wouldn't stop negative reporting or foreclosure. I applied for TX HAF in XXXX and my application was processing status. I called Truist Mortgage company almost weekly to keep them in the loop. I received a package from them referring to an XX/XX/XXXX foreclosure. I contacted TXHAF and was told they were waiting for a response from my loan servicer Truist to provide the V-record. I called Truist again to inquire the delayed response that they are causing TXHAF to assist me and the hardship I'm facing but TRUIST gave me the run around. Fearful of being told that I could lose my home I borrowed money from a friend to forward to Truist while TXHAF waited on their response. Fast-forward to XXXX. Truist rejects TXHAF assistance to pay my mortgage for past due payments on my behalf and modified my loan without any knowledge or signatures. Due to this TXHAF informed me they can not assist in which Truist is well aware. For a second time this mortgage company has caused yet another problem, issue, stress, and frustration. I paid with borrowed funds because I did not want to loose my home and I needed the help from TXHAF. Now my mortgage payments will resume in XX/XX/XXXX and I have to repay money from those I borrowed to pay my 7 months of past due payments plus my regular mortgage payments because they caused and are responsible for me being marked ineligible for mortgage assistance.
Consumer complaint received 2022-11-26
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-03
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: Resurgent Capital Services L.P. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (PA)

XXXX | XXXX XXXX Hi XXXX. My name is XXXX. I hope you are doing well. 
We have noticed the transfer into your Revolut account from " XXXX XXXX '' for the amount of " {$2700.00} ''. We will need to confirm a few more details as a routine check regarding this transaction. Could you please provide us with the following : 1 ) Purpose of the transaction ; 2 ) Proof ( invoice ) of the transaction ; Many thanks XXXX | XXXX XXXX XXXX It's my paycheck XXXX | XXXX XXXX XXXX As far as proof I don't know what proof you would need it's payroll... 
XXXX | XXXX XXXX XXXX XXXX. This is as part of our standard security measures and as a XXXX XXXX XXXX regulated firm, we are asking for this information for verification purposes. This applies to all of our users and is necessary to fulfill our legal obligations and for your future transactions. 
The proof could be any supporting document ( invoice. 
receipt ). Thanks. 
XXXX | XXXX XXXX XXXX But there is no invoice or receipt.. it's my salary Thank you so much for waiting and for staying on the chat. 
I really appreciate your time. Kindly allow me to inform you that I have submitted the case with all the required details. 
Now the case has been forwarded for further process to our escalations team. Hopefully, it won't take long now. 
This case should be moved to a faster conclusion and as soon it will be resolved then you will be notified. Thank you for your patience and have a calm day! 
XXXX | XXXX XXXX XXXX Thank you... I think... never heard of suck a thing ... my wife got her check no problem XXXX | XXXX XXXX Hi XXXX! My name is XXXX, I picked up this chat from my colleague and I want to start by appreciating the time you spent waiting. I am here to assist you today, so please give me a moment to check everything and I will do my best to come back shortly with a reply! 
XXXX | XXXX XXXX Kindly allow me to inform you that I have submitted the transfer with all the required details. Now the transfer has been forwarded for further processing to our Transfer team. Hopefully, it won't take long now. Our team is currently working on this with top priority. This case should be moved to a faster conclusion and as soon as possible, I have requested priority for your case. 
XXXX | XXXX XXXX XXXX Is there any update on this and is it going to prevent me from receiving my available funds tomorrow? 
XXXX | XXXX XXXX I'm sorry for the inconveniences, we do everything in our power to finish the transfer, as fast as possible. As soon as we have any further information we will get back to you. 
is XXXX | XXXX XXXX I have created another regarding your concern for declined transactions. My colleague will be assisting you there better. Thanks! 
XXXX | XXXX XXXX  And regarding the transfer with " XXXX XXXX  '', our Escalations team is working on it as we speak, I will be updating you here on chat once they have any further details. Thanks!
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

on " XX/XX/XXXX " I received an email from who I later learned was a " XXXX scammer, '' wanting to buy an expensive painting I had listed on XXXX. I had absolutely no clue what kind of mess this individual would put me in. The man who I have saved screenshots of sent me a " fraudulent check '' of twice the amount listed because supposedly he had hired a team to move the painting securely out of my residence. The check went through and I never suspected any kind of wrong doing until for some reason 3 days later, after the money had already been used for rent, it was returned and in XXXX weeks time, without notice, my account with USAA was closed. I am a United States XXXXXXXX XXXX veteran and i have been with USAA since XXXX. This account is also where I used to receive my XXXX benefits every month. I only got an email. This man who sent me this fraudulent check should be held accountable. I try to see the very best in people and try to see the world as negative as it sometime can be but at this point, in my honest opinion, was me being naive and he took complete advantage of that. I'm looking to see if there's anything I can do to at least come to good standing with USAA as they are also my car insurance providers.
Consumer complaint received 2022-12-03
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: Spring Oaks Capital, LLC (CA)

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrusctions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. 


XX/XX/2022 - {$620.00} XXXX XXXX- {$300.00} XX/XX/2022 - {$6200.00}
Consumer complaint received 2022-12-03
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: Maximus Federal Services, Inc. (MS)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also sttes a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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: General Motors Financial Company, Inc. (NC)

In accordance with the fair credit Reporting act XXXX  account XXXX  XXXXXXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy..

15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (IN)

I want to make a complaint regarding an issue I have with my current lender for a personal secured loan, One Main Financial. I have a secured loan with them where I used my XXXX XXXX XXXX as collateral.I started my loan with them in XXXX or XX/XX/XXXX, and every month I'd pay them in FULL on time before my automatic debit date of the XXXX of every month. They would always cancel the XXXX of the month automatic payment without fail since the payment was made in full and I asked to make sure it was canceled on the XXXX so the they wouldn't charge me again. That is until XX/XX/XXXX where I needed to make a payment arrangement for that month as I couldn't make my full payment in time as usual. 

My automatic debit date/ due date was the XXXX, however I called them on XX/XX/XXXX, 4 days prior. I did tell them I couldn't make my payment in FULL on time by the XXXX, can I make a payment arrangement? They said Yes. The payment arrangement I made that they agreed to and put into effect, was to pay half of the payment that day, in which I believe it was somewhere between {$140.00} & {$150.00}, then make the remaining half of the payment on XX/XX/XXXX which was my next pay date, that they would automatically debit from my debit card I provided them. I asked for them to cancel the XXXX of the month payment as usual since I was making a payment arrangement. 


They however didn't cancel the XXXX of the month auto payment which put me in the negative multiple times. I did have that loan paid off by refinancing a new loan, but they are still making me pay the balance owed from the old loan, which happens to be the balance that came about because they didn't cancel the XX/XX/XXXX auto payment like they should've when I made my payment arrangement 4 days prior. 

They are constantly telling me this is my fault when they are the ones who didn't cancel the auto draft payment due to me already making a payment arrangement days before. The manager has come off a bit rude about the whole situation, making it seem like I don't know what I'm talking about., saying it's my fault because the bank payment came back insufficient funds. I kept asking why was my account still charged when I set up a payment arrangement days prior and she kept telling me it's my fault not giving me an answer to why I was still charged when I shouldn't have been? 


My monthly payment on that loan was {$290.00} I believe Payment arrangement was : paid XXXX of XXXX XXXX payment due that day on XX/XX/XXXX the other half would automatically debited from the debit card on file on XX/XX/XXXX which was my next pay dates They were suppose to cancel the XXXX of the month payment due to me making this arrangement but they didn't which led to this entire situation and even making this complaint. 


Keep in mind I do have a new loan with them due to refinancing to get additional funds. They rolled over this amount from the old loan into the new loan
Consumer complaint received 2022-11-26
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-26
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: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS account resolution, And XXXX XXXX haven't provided me the documents that i asked them to provide to me, I've read that there is a total of 15 days for them to provide me the information, And it's been more than 15 days.
Consumer complaint received 2022-12-03
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: Mercedes Benz Financial Services (PA)

USC 1681, SECTION 602, I have the right to privacy.

USC 1681, SECTION 604, SECTION 2, States a Consumer Reporting Agency can not furnish a report without my written consent.

USC 1666B, A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 

XXXX the lease is over car returned XX/XX/XXXX and they are reporting late. 
Mercedes Benz Financial XXXX XXXX XXXX, I paid the car off during covid and asked XXXX to remove such reportings and they said no. 
XXXX mortgage during Covid I had arrangements and all debt is paid and they continued to report. XX/XX/XXXX XXXX
Consumer complaint received 2022-11-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ( Closed with balance of {$740.00} ) 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (PA)

XXXX XXXX  # XXXX Date Opened : XX/XX/2020 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 the right to privacy.

15 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 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-03
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: The Aligned Company DBA Extra (NM)

On XXXX XXXX I disputed a charge with XXXX for {$120.00} dollar payment my bank XXXX XXXX stopped when I had available funds. I disputed this claim also because I dont recall making a purchase at XXXX for this amount which I stated to the representative. I sent a letter via certified mail showing I had available funds and this was a bank error. XXXX XXXX representative told me on a recorded line that XXXX received a payment of {$110.00} and a payment of {$120.00}. Then another XXXX XXXX representative told me on a recorded line that the payment of {$120.00} processed only. Either way I disputed this claim I do not recall making it. I payed them in full for everything I allegedly owe and want this removed due to miscommunication with my bank. And if I disputed this claim on XXXX XXXX how is it 30 days late on my credit report?
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TN)

I have reported this consumer problem already and have tried to resolve this many times in good faith. 
They sent it to collections after they were contacted by cfpb. They are harrassingly sending letters and calling and laughing at me after they created this debit fraud by their own hands. I was trying to close this account with a XXXX balance when they debited an amount out of no where.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open end consumer credit as late for any purpose.
Consumer complaint received 2022-11-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Reference number XXXX THE INFORMATION ON THE COURT WEBSITE DOES NOT MATCH THE CREDIT REPORTING AGENCY DETAILS XX/XX/2022, I sent a letter to the courthouse asking if they 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 XXXX XXXX Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) 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 XXXX times. 

The credit bureaus violated my given rights under XXXX XXXX XXXX.