davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (VA)

Suntrust Mortgage is not recognizing my account with them established online. Entering correct username and password produce message that they do not recognize me. Going through their forgot username/password routine produces questions re : loan number, SS # and security question/answer. Entering accurate information produces error message that they do not recognize account. Calling them produces response that customer service is only open from XXXX XXXX weekdays. Unacceptable for an online information account. If they do not recognize my loan number and account, I suppose I no longer have to recognize that I have a loan with them and can suspend all payments.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FULTON FINANCIAL CORPORATION (PA)

In Spring XXXX I initiated the process of refinancing my home through Fulton Bank, NA. The purpose was to reduce my monthly payment, reduce the interest rate, and obtain cash out. I worked primarily with Fulton Bank. XXXX XXXX XXXX was the titling company. On XX/XX/XXXX I signed a disclosure form outlining the monthly payment and terms of my mortgage. My monthly payment was {$870.00}. 

On or around XX/XX/XXXX, I received a letter from XXXX XXXX at Fulton Bank indicating that they did not account for city taxes when determining my escrow amount. The left this item out entirely. XXXX XXXX did not successfully provide the tax certification information to Fulton. With the addition of the city tax to the escrow amount, the change meant that my monthly mortgage increased by {$130.00}. One of the reasons I signed the disclosure was that my intention was to pay MORE each month by about {$130.00}. With the change in disclosure due to someone's negligence and oversight, I now have a higher monthly payment that renders my rationale void. I wouldn't have signed this updated disclosure form. 

I've reached out to XXXX XXXX and XXXX XXXX with Fulton Bank regarding this grievance and they have not been able to answer my questions or assist whatsoever. I've attached the correspondence between these individuals, the initial loan disclosure form, and the subsequent disclosure form with the increased monthly payment.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-08-08
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: SYNCHRONY FINANCIAL (NC)

In XXXX with the fair reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor XXXX not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XXXX and Experian Inquires that are not mine jXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXl XX/XX/XXXX aXXXX 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

XX/XX/XXXX Hello, It has come to my attention that the data furnished by Discover Bank is inconsistent and not congruent across all credit bureaus, resulting in an inaccurate representation of my credit profile. 

All data that is reported should be congruent and align with each other across the bureaus and reporting agencies. Since the data being furnished is not congruent and does not line up I DEMAND THE REMOVAL of this erroneous information from my credit profile, as it is tarnishing my credit history unjustly. 

As seen below the supporting documents show inaccurate and not congruent payment history/status of this account. For XX/XX/XXXX one bureau ( XXXX ) is reporting a payment versus the other bureau ( XXXX ) is reporting a CO status. This incorrect date and error is confusing me and hindering my financial status! Again since the furnished data is not congruent and there is an error with the reporting information this account MUST BE DELETED. 

This letter serves as my last and final warning regarding the inaccuracies in my credit report before LEGAL LAWSUIT ACTIONS are taken.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CO)

In XX/XX/2017, Wells Fargo opened an unauthorized savings account and at the same time converted the original savings account into a checking account without my consent. I have been incurring fees since XXXX. I am requesting a refund on all incurred fees.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX  was paid electrically on time every month, including my XXXX & XX/XX/2021 payments. XXXX then returned these payments about 10 days after receipt. XXXX  says my XX/XX/2021 payment was not received on time so they destroyed my credit. XXXX XXXX  XXXX XXXX XXXX XXXX 2 official payment transmittals which clearly documented my timely payments, yet XXXX still refuses to remove the late payment from my account. After contacting all XXXX credit agencies and submitting the payment transmittals to them the 3 credit agencies will not remove the late payment either. I then sent credit agencies a letter from XXXX XXXX in which XXXX  confirms they received my payment on time but XXXX  and the 3 credit agencies all refuse to correct my account 's payment history. I've spent over XXXX hours trying to resolve and filed numerous complaints with XXXX  and the 3 credit agencies and they still refuse to acknowledge my payment was timely and have refused to restore my credit. I have uploaded all supporting documentation which unequivocally proves all my payments were on time.
Consumer complaint received 2023-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the inaccurate negative items ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX ) on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi i wrote each company on my reports asking for a investigation, I also wrote each credit bureau asking them to conduct an investigation. I have hard inquiries, collections, closed and old accounts that I have asked to be removed due to inaccurate reporting.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clark County Collection Service (FL)

In 2015 I rented house in XXXX XXXX The rent was {$1600.00} a month and to get into a contract I was required to pay deposit of 3 months and extra fees of the amount of {$5300.00} I did pay some of this deposit was not refundable {$4800.00} was Securty deposit and the rest Im not sure, it was so many years back. 
I was living there for 1 year and they send a letter to ask me if I will sign up for other year I say no Im leaving. 
All this yea I pay on time, I have no balance! 
Few days before I move out they send someone to infect the house. 
The house was in perfect condition. 
It was just me and my son live there. 
I make sure the house its clean and paint some of the walls with the paint the company employees provide me. 
After I left the house I went to the rental office to request my money deposit back and they say no you owe as more money and start to make things up. 
It was completely scammed. 
Nothing of what they say it was true. 
It was a group of Family own, not professional! 
I try really hard to fight and get at least some of my money and they keep say we dont owe you anything please leave. 
It was so many years ago, but I definitely remember the feeling I had back there. 
I I couldnt do anything about it and I left by knowing they took my money for no reason! 
Then few years back I find out they actually sold me to Colection by saying I owe them more money. 
Completely scammed!
Consumer complaint received 2024-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I got an alert from XXXX XXXX on XX/XX/XXXX saying I had a hard inquiry on my credit, after checking there was an unauthorized XXXX  XXXX XXXX  credit card inquiry on my account that I never inquired about or approved. The report was through Trans Union
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (NC)

According to my statements from the credit card company I started getting fraud charges on the card number ending in XXXX on XX/XX/, I called the company and reported the fraud. They closed the account and sent me a new card. I was advised that it could take up to 30 days for them to look into the fraud charges. Today is XX/XX/XXXX  and I still have no resolution to this. I have called the credit card company three times, the last time was today ( XXXXXXXX  ) when I requested a supervisor and was told there was none available and they would have someone call me ( which I did not receive ). On XX/XX/XXXX  they charged me interest of {$29.00}, On XX/XX/ they charged me a late fee of {$28.00}. The interest and late fee was charged against fraud charges. On XXXXXXXX  they gave me an amount of {$450.00}, the actual fraud amount is {$800.00} which is shown on the statements dated XX/XX/XXXX  and XX/XX/.
Consumer complaint received 2023-11-03
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. (AR)

I was a victim of identity theft and this is another request to REMOVE these fraudulent inquiries AND information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are REQUIRED to REMOVE any items listed on an id theft report not later than 4 business days. Ive already included this reported issues in my previous letters & I am including it again along with the ID THEFT REPORT # XXXX. Also, the details provided BY THE Credit Bureaus regarding these items are UNKNOWN to me and I have doubts about the accuracy. Please see the listed items below for REMOVAL : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXX/XX/2023 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2023-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (PA)

On XX/XX/XXXX i processed a payment using my debit card ending XXXX, XXXX XXXX the following day on XX/XX/14 i received a noticed that they were have problems with with the for of payment on file, so I called and advised the card number on file was not my account number I sent to them bank statement showing them the only two bank accounts numbers have use which are XXXX  # XXXX also XXXX  # ending in XXXX, I inquire what number did they have on file, they gave me a number ending in XXXX was not a valid account with XXXX  I was then asked to up grade the wrong information with my back account and routing Number, I have never made any payment to Avant using bank account and routing number however I did not want to update any information on there site because of the number XXXX if i had complied i would being confirm the wrong information was still on file, I followed up with my two bank statement one of XXXX  and XXXX XXXX XXXX XXXX XXXX i have not made payments since this occured and i am incurring late fees that they will not remove even after i sent the proof that the account ending in XXXX was never my account thank you XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of Inaccurate Information on XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion Dear Sir/Madam, I am writing to formally dispute and request the deletion of inaccurate information reported on my TransUnion credit report regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my TransUnion credit report, I have discovered significant inaccuracies that require immediate attention and correction. 
The specific discrepancy I wish to address concerns the account status and the reported late payment : Late Payment on XX/XX/XXXX : The report indicates one late payment, but it conflicts with the statement " Status : Paid, Closed ; was paid as agreed. '' If the account is closed and paid as agreed, there should not be a late payment associated with it. This inconsistency suggests inaccurate reporting of the payment history. 
According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy, completeness, and fairness of the information they report. Additionally, FCRA Section 611 ( a ) ( 5 ) states that if an item on a consumer 's credit report is inaccurate, incomplete, or can not be verified, it must be corrected or deleted. 
Based on the discrepancies outlined above and the provisions of the FCRA, I formally request that TransUnion delete the inaccurate information related to the XXXXXXXX XXXX XXXX XXXX Account from my credit report. It is crucial that my credit report accurately reflects my financial history to ensure fair and accurate credit assessments. 
I remind you of your obligations under the FCRA and expect prompt compliance with this request. Failure to delete the inaccurate information may result in legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter. I anticipate a swift resolution and the deletion of any inaccuracies on my TransUnion credit report related to the XXXX XXXX XXXX XXXX XXXX 
Sincerely,
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WASHINGTON FEDERAL BANK (AZ)

On Monday, XX/XX/XXXX around XXXX XXXX  I went into wafd bank off XXXX and XXXX XXXX to withdraw some cash from my checking account. The unwelcoming energy and attitude from the two employees working the bank that afternoon was completely unprofessional. The lady laughed when I requested {$10000.00} from my ( {$12000.00} ) account. I decided on a lesser amount but she told me the most she could give me was {$1000.00}. That was ALL the cash they had and that they were completely wiped out because of the busy holiday weekend. Oddly she had XXXX crisp XXXX dollar bills for the remaining cash in store to give me. She told me she couldnt get me cash until Tuesday XX/XX/XXXX, EIGHT days laterand that they would call me to set up a time for me to come pick it up. How do I know someone wouldnt know that info and follow me? I did get the {$1000.00} cash and a {$3000.00} cashiers check that day. I later received a unrequested XXXX XXXX delivery to my house with the remaining funds in my account on a cashiers check, along with a force closure notice, which was due to inappropriate use. I also received another letter in the mail stating they reported my account misuse to XXXX  due to transaction history.