davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (NJ)

" I have been a customer of Truist Bank for about three years and until recently, I thought my experience was decent. However, I'm incredibly frustrated with the way they've handled my car loan account XXXX XXXXXXXXXXXX few months ago, I noticed a balance on my account that was unexpectedly higher than my usual monthly payment. After reaching out to customer service, I was repeatedly told that my previous payment hadn't cleared. It turns out I accidentally missed a payment in XX/XX/year>, but what infuriates me is that Truist Bank never bothered to notify me about it. Instead, I was blindsided by over {$650.00} in monthly late fees.<br /><br />Despite my attempts to resolve this issue, the bank has shown a complete lack of concern or willingness to help. Their customer service is appalling, and it feels like they prioritize profit over their customers. I'm beyond disappointed with Truist Bank and their handling of my account. I urge others to be cautious when dealing with them.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America ( BoA ) representative disclosed the bank does now allow automatic fixed monthly payments. In 20 years of banking this is the only institution I've encountered which disallows consumers the ability to structure automatic fixed monthly payments on credit card balances. This is a predatory practice designed to increase revenue by charging additional fees to the consumer and increasing the odds of missed payments.
Consumer complaint received 2024-09-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (MD)

FROM THE DATES XXXX TO XXXX I HAVE BEEN MAKING PAYMENTS IN TO A CONVENTIONAL LOAN. THEY TOLD ME NUMEROUS TIMES THAT IT`S NOT. MY LOAN SHOULD BE A FIXED RATE. I AM REALLY RENTING MY HOME NOT BUYING IT. THEY SAY I HAVE A MORTGAGE OF {$240000.00} LAST YEAR I PAID PROPERTY TAXES OF {$4100.00}. BUT I AM PAYING PROPERTY TAXES FOR A HOME COSTING {$340000.00}. I SHOULD HAVE A FIXED-RATE MORTGAGE, THE PAYMENTS ARE THE SAME FOR THE LIFE OF THE LOAN. WHEN RENT INCREASED IN XXXX THEY ADDED {$50.00} TO MY MORTGAGE PAYMENTS. AND WHEN I MAKE MY NORMAL MONTHLY PAYMENTS THEY ALWAYS SAY THEY ARE TAKING IT OUT OF THE ESCROW. BUT IT WAS A RENT INCREASE ADDED TO THE XXXX XXXX I HAVE. THE PROPERTY TAXES PAGES HERE SHOULD IN DETAIL SHOW I AM OVERPAYING PROPERTY TAXES.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (WA)

I received a mail from TRS Recovery Services on XX/XX/scrub>XXXX XXXX XXXX that I owe a total of {$32.00} from an unpaid balance with XXXX and the Creditor was TeleCheck Services, LLC ( not TeleCheck Services , Inc ). I know that I do not have any unpaid balance with XXXX. I contacted XXXX to confirm this. I believe this started after I linked my bank account to my XXXX app for some purchases. The debt collection detail showed the last XXXX digits of the XXXX number associated with my linked account details. I have since then disconnected my bank account details from my XXXX app. 

I filled in the online form on TRS to indicate that that was not my debt and requested proof of debt but I did not receive any. Later on, I received a different mail on XXXX XXXX XXXX with a whole new debt of {$85.00} from unpaid balances with XXXX with the same details regarding TeleCheck Services, LLC. I filled out the online form on TRS to tell them that I don't owe the debt and requested proof but I didn't receive any. On XXXX XXXX XXXX I received a bunch of sheets from TeleCheck (. This was not proof but rather a " fill-in-the-blank '' document asking me to enter my personal details such as account number and routing, driver 's license number, XXXX and the like. The sheets included some scanned forms that didn't look genuine at all. I did not fill this form because I can not trust it and besides, there was no reference to the TRS debt collection. It just wanted my information. 

Again on XXXX XXXX XXXX, I received two new notices of debt of {$31.00} and {$38.00} from TRS with similar details as described above but not directly related to the previous notices ( as in no references to that ). I don't owe any such debt but they keep sending me debt collection notices. I haven't filled out the online form to notify them because I am skeptical now.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

If I am not mistaken it was in XXXXXXXX XXXX XXXX when they froze my account. Truist Bank ( formerly Suntrust Bank ) in XXXX ( XXXX XXXX, XXXX, VA XXXX XXXX thinks there could be a fraudulent activity on my account due to a check that was issued to me which I deposited. They said it will take about a month for the investigation but after going there several times, they said they couldn't give an answer because of the transition from Suntrust to Truist that they do not know what has been going on with my account. I'm very frustrated that they couldn't figure out what's going on with the account knowing it has been almost 3 years since that happened. I'm about to file a lawsuit to them but might as well report this to the bureau.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I was shocked and frustrated when I saw unauthorized inquiries on my credit report this morning, and I don't know where they came from. I regularly check my report, but today, these errors appeared out of nowhere. Refreshing my browser didnt fix it, so Im requesting an immediate review of the documents I submitted to ensure this never happens again.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To my absolute disbelief, I found incorrect accounts on my credit report today, and Im completely baffled as to why. Ive been consistently checking my report, but this time strange errors appeared. I thought it might just be a browser glitch, so I refreshed, but the incorrect entries remained. Due to this frustrating issue, Im asking for a careful review of my documents to ensure I never have to stress over this again.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Last year, around XXXX, I applied for a forbearance when I was out of work. They did approve me for it, but I was never advised when setting up the forbearance, that I would have to pay all past due payments once the 3 months ended. I was shocked when I saw my statement and they wanted {$15000.00}. 

I was under the assumption that they would be able to apply it to the end of my loan and I would continue making my regular payments. As I have seen done before. 

When I called to complain about it, they just said. " I'm sorry the customer agent didn't tell you. '' Another one said a letter was sent out. 

I have my communications set to receive digitally, and I never received anything. 

I called back and they said they did, then another agent said I was supposed to call and ask for the terms on the forbearance. Finally, on another occasion, someone said it was never sent out and I was supposed to have asked for it. But I wasn't aware I had to. I just assumed everything would pick up like normal and what was missed would go to the end of the loan. 

They tried setting me up on a payment plan and pay {$4000.00} a month, which included regular payment and part of what was past due. I was not able to agree to that because I would have no money left over. 

The other option was for me to do a loan modification, but I would lose my 2.25 % interest rate that I worked hard to get. I don't think this is fair at all, had I known I was to pay back the past due right as soon as forbearance ended, I would have never done it.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had a Kohls regular credit card for many years. A few months ago, I received a letter that the card would be replaced with a CapitalOne visa card starting today, XX/XX/year>. 

Back in XXXX I called to let Kohls know I didn't want a Visa card from Capital One. They told me to call Capital One which I did and someone I spoke to said if I didn't want it they would make a note and not send me one. I also closed my regular Kohls credit card which had no balance to make sure that I wouldn't receive one from Capital One. Well, guess what the new Visa arrived in the mail last week. 

I have not registered the card and have absolutely no plans of ever using it. Not sure what to do now -- if I don't use it -- do I need to call them to cancel this new card, or just cut it up. I have read some people have said it will effect my credit score either way. This is absolutely not right -- I never applied for this card or gave my permission for them to send it to me.
Consumer complaint received 2024-08-26
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. (GA)

I am having issues with Equifax having to keep submitting to them that the two current accounts are closed and they we're included in my XXXX  XXXX bankruptcy that I filed in XXXX and now it's currently discharged these two accounts are listed correctly with the other two bureaus, I don't understand why Equifax refused to straighten this matter out I have told them over and over that these accounts are closed they shouldn't show a balance and they shouldn't show that they are open because they were included in a bankruptcy
Consumer complaint received 2019-08-05
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)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-08-29
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

On XXXX of 2024 I filed an identity theft case with Experian. Experian removed some of the fraudulent accounts, XXXX of the accounts removed was XXXX XXXX account # XXXX On Monday XX/XX/year>. I checked my credit report and Experian reattached the XXXX XXXX account # XXXX back on my account. I called the Experian customer service and I asked why they put the account back on my account after just being removed. 

They said XXXX XXXX sent them information stating it was my account and I can't have it removed. I asked the Representative if he could provide me with proof of their investigation and a signed affidavit. I was told no there was nothing I can do. 

I explained that Experian is in violation OF the fair Credit Reporting Act. 

The account status is inaccurately reported. This is inaccurate and does not belong to me. 
FCRA Violation : This misreporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires furnishers of information to provide accurate information.

15 U.S. Code 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) Per 15 U.S. Code 1681c2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  ; Account # XXXX has violated my rights as a consumer. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that as a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have consolidated all my student loan accounts into one balance and payment. My credit bureau is showing all the consolidated accounts as being open including the consolidated balance owed. 
Attached is statements from both lenders showing all is paid in full. 
Attached is my new statement showing the correct balance owed and one monthly payment owed. 
This has dropped from credit score down in the XXXX range. I had a XXXX plus since XXXX  2024. 
Please contact to fix.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

VALIDATION AND CEASE AND DESIST Collection agency name : Columbia Debt Recovery LLC DBA Genesis Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX  NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear Columbia Debt Recovery LLC DBA Genesis I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I am writing to formally dispute an unauthorized inquiry on my credit report under the Fair Credit Reporting Act ( FCRA ). The inquiry listed below was made without my knowledge or consent, and I demand its immediate removal.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

This organization is in violation of 15 USC 1692 Subchapter V. Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. This organization is in violation of Furnishing certain deceptive forms. 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. The false representation or implication that documents are legal process. I also requested that all non-mailable addresses be removed due to the fact that I'm unable to receive mail there. XXXX is in violation of Privacy Act of 1974. Requested to have all charge-offs removed from account. A charge off is considered a certificate of indebtness which is factored to be considered income and must be removed. Law states it is illegal to report transaction history.