davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUSTMARK CORPORATION (TN)

I'm filing a complaint against Trustmark National Bank. I applied for a XXXX  on XX/XX/XXXX at the location in XXXXXXXX XXXX. On XX/XX/XXXX, I asked about the status. On XX/XX/XXXX, I received an email stating that the XXXX was declined due to XXXX. I replied that I was very surprised because I closed on a XXXX  with Trustmark on XX/XX/XXXX and I didn't have any additional debt with the same income. I paid off and closed my XXXX  and reapplied because I wanted to receive the {$10000.00} grant that they'e giving due to the settlement with DOJ and CFPB. The manager of the branch told me that Trustmark couldn't retroactively date my XXXX from XXXX to present. On XX/XX/XXXX, I received an email from my financial services rep stating my XXXX was approved.The process was very swift the first time that I applied in contrast to the second time. On XXXX, I was to resend pictures of my house and I did, and I was asked more questions the second time. On XX/XX/XXXX, I asked when my XXXX would be closing. After going through a long, drawn-out process, my XXXX  was declined because Trustmark said they can be in 3rd lien position . I asked why I received a XXXX  once and then declined this time. I feel like I'm retaliate against because I closed my XXXX. I asked for denial disclosures and I was not given one. I provided a MIN summary stated tht XXXX ( formerly XXXX ) transferred my mortgage to XXXX. The second lien is {$15000.00} with the same entity XXXX. I was told the underwriters overlooked the second lien the first time. In contradiction, the financial rep told the second lien was added after I applied for the second Heloc. The two liens were recorded with the XXXX XXXX XXXX of Deeds on XX/XX/XXXX after I closed on my house XX/XX/XXXX. When I went into the branch, the rep showed me two packets which seemed to be doctored to appear like the second lien was added after I applied for the XXXX XXXX  ; however, XX/XX/XXXX is the recorded date on both liens on the packets. I took a snapshots on both packets because I was told the packets couldn't leave the branch. The financial rep was excellent but I believe she was directed on what to tell me. It's very confusing because I received a home equity loan from Trustmark which I closed on XX/XX/XXXX and they put a lien on my house. At the bare minimum, I feel like I should be granted the XXXX and the {$10000.00} XXXX. I believe the way Trustmark handled the processing of XXXX application was totally unacceptable. My mother has been an account holder with them since XXXX, and I established my first account with them when I was XXXX or XXXX. This made me disappointed and I lost trust in them. There seem to be some XXXX because I was given misleading and false statements and Trustmark failed to give me denial disclosures. I'm thankful to have an agency to file my grievances and I look forward to hearing from you and Trustmark.
Consumer complaint received 2023-08-06
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: LoanCare, LLC (CA)

Upon reviewing my consumer report, I noticed that you have reported an account to all three major Consumer Reporting Agencies without my permission and without a permissible purpose. I was not informed of the option to opt out of having my information reported, and I am now exercising that right. I request that you remove this unauthorized account from my consumer report immediately.
Consumer complaint received 2022-10-25
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, The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account number ending in XXXX, XXXXXXXX XXXX XXXX  : Account number 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 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an 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 2023-09-27
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-07-19
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I received a wire transfer from a client for the buy of my old truck of the amount of XXXX on the date of XX/XX/2022 After that I was using my money and then 2 weeks later they block my account and they say the wire is not good but I have the receipt and everything from the customer
Consumer complaint received 2017-04-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (NC)

I have a collection that is reporting to all XXXX credit beareau 's of a medical collection that is not mine. My son XXXX was taken to the doctor by his mother, and he was on my insurance. I left that job and my sons mother continued to take him to doctor which resulted in me still being charged, even though i no longer worked for that employer.After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in ( Whatever Year ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2022-10-25
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. (SC)

Theres a XXXX account with numbers XXXX For XXXX that is not mines. Needs to be removed. I only have one XXXX account for the credit limit XXXX that is mines.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I called Equifax to ask why were collection companies were still able to access my credit report even if i had a credit freeze and fraud alert.I explained to the man on the phone that my information was compromised. My neighbor who has a collection company and has been selling my information and placing my name, address, social security number and family members names on the dark web and a lot of other sites, i was able to removed XXXX so far however he continues to do this i've had XXXX alias and address ' going back 40 years placed on my reports .When i finished the call a new collection from XXXX XXXX XXXX XXXX XXXX XXXX placed on my Equifax credit report and my score went down XXXX  points. For a year and a half this is been going on there has been a lot of traffic on my reports why isn't anyone seeing this.
Consumer complaint received 2023-04-13
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. (CO)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.lf a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely,
Consumer complaint received 2018-04-17
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: EQUIFAX, INC. (NY)

I sent Equifax copy of my account statement from XXXX department of XXXX XXXX after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The XXXX department of XXXX XXXX paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay XXXX XXXX XXXX. XXXX XXXX sent me and Equifax a copy of a computer print out with no record of the payment from XXXX Department of XXXX XXXX and it was not itemized, as I requested. Equifax has not responded to my request to correct this and remove from my report. Equifax took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from XXXX department of XXXX XXXX they did not respond and stated to CFPB that there was an unauthorized third party, yet this remains on my Equifax and XXXX reports. Equifax has consumer disputes and XXXX does not.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A. (NV)

This phone number that comes up as Citi Home Depot continues to call me at least four times a day leaving me a message in my voicemail for the last month. Their phone number is XXXX. I tried to call them back but they want a account number or my social security number and there was is no way to reach a customer service rep. I would for them to stop calling me cuz I do not have a Home Depot account and there is no way to tell them this so will you please get this stopped for me. Thank you
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Someone called me from ( XXXX ) XXXX stating I had a old credit card bill ( Capital one ) that I owed over {$16000.00}. and they wanted to come an appraise my XXXX XXXX vehicle. 

I do not owe any money to Capital one. Card ending in : XXXX case # XXXX another number they left XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-25
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (AZ)

I have been getting harassed by Credence, and when I answer and tell them to stop calling, they hangup. They call me at least 1x daily since XX/XX/2023 from different numbers, but my caller ID shows up the number as " Credence ''. This is harrassment.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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. The credit bureaus stated that they investigated, but how is possible that the open and close date and the last payment date is inaccurate this is grounds for removal. They also violated my rights under : XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Also, the credit bureau took more than 30 days to complete my investigation.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-10-26
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. (NJ)

CFPB complaint # XXXX on XX/XX/2022 I sent a copy of my current state drivers license with my correct address to Experian to dispute the inaccurate information on my report.They failed to adopt reasonable procedures to investigate and assure the accuracy of my credit report, as I discovered today multiple addresses that are not mine still being reported after after multiple claims of all information being accurate & verified and me providing proof. Continued inaccurate reporting showed they did not properly investigate any accounts and has left me vulnerable to identity theft. Therefore, the unfair conduct of Experian reporting of any other information that came back as verified is inaccurate and needs to be permanently deleted.
Consumer complaint received 2023-09-27
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (FL)

Cedar Business Services reported me to The Credit Reporting Agencies that I owed XXXX XXXX the sum of {$660.00}. I called Cedar Business and I informed them that I have never done business with XXXX. I requested proof of my debt such as delivery receipt / invoice / proof of delivery. I have not gotten a reply to date.

My credit score has dropped by XXXX points
Consumer complaint received 2022-10-25
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. (NY)

I am, XXXX XXXX, submitting this complaint against Experian XXXX XXXX, XXXX and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXXXXXX Delete and purge all Hard inquiries. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America garnished my paycheck from my bank account without a court order or judgment. They claim I owe them money for my boat loan, but they have not shown me anything that states I still owe them. My loan should have been paid off in XXXX last year. However, I offered to make payments last year to settle this so that it would not affect my credit, but they told me I could not do that ; I could only pay it in full. But the lady I spoke to yesterday said she was sorry because whoever told me that told me wrong, and I could have made payments. The Texas government website states : " However, Texas does allow for a bank account to be frozen. Once your wages are deposited into your bank account, the funds can be frozen and possibly seized. In order to do this, a debt collector must have won the lawsuit and had an order issued by the court. This can be confusing because the order is called a " writ of garnishment '' but it still can not be used to take incoming wages. '' There was never a lawsuit! Bank of America has stolen money out of my account leaving me {$0.00} to live on. Bank of America told me that my paycheck that they took is nonrefundable, even though I never authorized this transaction and it was done without my knowledge. 

In the attachment, you will see my paycheck listed as a deposit for {$1700.00}, and then immediately Bank of America took {$1700.00}, listed as a DEBIT FOR CHARGED OFF ACCOUNT FDES, leaving me {$7.00} from my paycheck. 

I have also attached an article from your website showing that they have illegally garnished other people 's bank accounts titled, " CFPB Orders Bank of America to Pay {$10.00} XXXX Penalty for Illegal Garnishments. ''