davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (AL)

I made a payment on XX/XX/2019 for my XXXX monthly payment in the amount of {$720.00}. The company has changed their online system and the system submitted 2 payments instead of one in the amount of {$1500.00}. I called Suntrust to make sure they didn't run a double payment and they said they couldn't cancel the payment as it was already in processing. When they tried to withdraw the double payment from my bank, the payment wouldn't go through because of the double payment. I reported this to Suntrust to get them to fix but she said it would keep running the double payment. I called Suntrust on XX/XX/XXXX to fix again and they were then able to run just the single payment for {$720.00}, but at that point, my payment was considered late even though I made the online payment on time. This error on their end has reported to my credit report as a late payment.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 


XXXX XXXX XXXX XXXX - {$8700.00} HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX  XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX A XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-16
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. (NJ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



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 2023-01-07
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: Bridgecrest Acceptance Corporation (GA)

I recently noticed that errors on my credit report has false and misleading information for individual accounts did not quite meet the credit reporting standards of being 100 % accurate. This has tarnished my character and credit and I Demand CFPB to enforce correction and or deletion of these items.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2017-01-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

I 'm in need of assistance with my mortgage company. They 've offered me XXXX assistance thus far. For the sake of my neighborhood, and community I have decided to list my property as a short sale in hopes of aoviding a forcelosure auction. Not only will the short sale be better for my credit but also, better for the local economy by not adding to the foreclosure count. I have spoent hours trying to work out a deal with my lwender but to no avail they will not help me. This ios my good faith attempt to sell my proiperty for as much as possible via a local real estate franchise ( XXXX ) and have got an offer for even more than I would have expected the property to be worth. Please help me avoid foreclosure and complete this short sale ASAP for my familiy and community.
Consumer complaint received 2022-11-28
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. (SC)

In accordance with the FCRA name of accounts has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX 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 account without my written instructions.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I WOULD LIKE A SECURITY FREEZE ON MY FILES WITH ALL THE CREDIT BUREAUS TRANS UNION XXXX XXXX XXXX, XXXX I WOULD LIKE A PIN NUMBER TO ACCESS MY FILE AS SOON A POSSIBLE.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are still accounts on my credit report that should not be there ; I have filed your company a dispute last month XX/XX/year>XXXX  which I am quite clear about the accounts that were fraudulent and in issue.
Consumer complaint received 2017-05-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

XXXX   XXXX ,   XXXX   My elderly Mother  XXXX   XXXX   XXXX  who suffers from a host of medical concerns that include, but are not limited to ;   XXXX   XXXX   ( legally  XXXX  ),  XXXX   XXXX   (    XXXX   XXXX   ),  XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   was instructed by Vanderbilt Mortgage  (   XXXX   XXXX   XXXX   )  to delay making her monthly payment until after the first of the month. This instruction was issued without any loan modification agreement to reflect any changes in her payment schedule based upon her current loan agreement.   I have had an opportunity to obtain and review a Vanderbilt Mortgage 's " Early Foreclosure intervention '' document dated  XXXX .   It certainly raises concern that Vanderbilt Mortgage is advising a customer to delay remittance of payment in an attempt to place the account holder in a " foreclosure '' posture. The account holder owes approximately  XXXX  on a property valued at  XXXX  and refuses to release the lien on an attached parcel valued at  XXXX .   This type of behavior by any lender is despicable and absolutely intlolerable.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accounts Receivable Consultants Inc. (TX)

Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   ( XXXX ) XXXX Amount : {$220.00} Debt collection agency : Accounts Receivable Consultants, Inc. 
( XXXX ) XXXX XXXX I have attempted to contact Arc to ask why they are reporting this debt to the credit bureaus each month when the XXXX debt was paid. When the debt was paid and balance satisfied, the account was removed from XXXX and XXXX reports in XX/XX/2017! I am unable to reach anyone on either numbers listed. From the toll free line, the call is dropped and sent to an extension that just rings. Arc is wrongfully reporting this to ONE BUREAU each month.
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 — 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 2023-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (FL)

Hello. I'm a student XXXX using the Sallie Mae Career Training Smart Option Student Loan to pursue my XXXX XXXX Recently, my XXXX school lost its XXXX XXXX license and switched to XXXX XXXX training, causing delays in my progress. To make up for lost time, I inquired about using my loan to purchase an aircraft for training purposes. Initially, I was told that this was allowed, but when I requested written confirmation. I was informed that I couldn't speak with Sallie Mae 's legal department for clarification. | then escalated the issue to XXXX XXXX Senior VP of Operations at Sallie Mae, who explained that the term " transportation '' in my promissory note does not cover persona expenses like car gas for commuting, only bus passes. Since I commute over an hour to my XXXX  school in Florida. I found this interpretation concerning. I asked for additional clarification on how these rules are interpreted but was not provided with any supporting documentation. In an attempt to resolve the issue, I called Sallie Mae again to discuss returning my loan, but soon atter, my phone number was blocked by both Sallie Mae and **Sallie Mae Bank** . When I tried calling using a friend 's phone, the call went through immediately. which leads me to believe my number was blocked because I sought claritication, not because of any fraudulent activity. | simply want tc resolve the issue, repay my loan, and move forward. Your assistance in addressing this situation would be greatly appreciated.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MS)

Collection Agency : CCS COLLECTIONS Date Assigned : XX/XX/2022 Original Amount Owed : {$140.00} Amount : {$140.00} Collection Agency : XXXX XXXX XXXX , XXXX . 
Date Assigned : XX/XX/2022 Original Amount Owed : {$630.00} Amount : {$630.00} I have reported these items several times as identity theft as I am not the responsible party of these said collection debts.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX This is the XXXX time I have file a complaint over fraudulent account on my credit report. I have my ID and Address compromised and someone has use my ID to apply for accounts. The following accounts are in error : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX THE FOOLOWING ADDRESSES WHERE USE IN FRAUDULENT ACCOUNT PLEASE DELETE THESE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX,
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all   XXXX   of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than one name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all  XXXX  major bureaus to no availe
Consumer complaint received 2024-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (TX)

As shown in my prior complaints against Barclays, they resisted my closing my account and continued to accept charges against a closed account. They ignored my requests many times so I filed a complaint with CFPB. After a lot of time, they acknowledged their mistake in a letter from The Office of the XXXX. 

Since then, as recently as last week, they incorrectly reported my with a {$7.00} delinquent month. No other account I have ever had has ever had a late month. 

This dropped my credit score with all XXXX CRAs and complicated my buying a new car. 

They are incredibly incompetent or intentionally sabotaging my credit to harass me because I closed my account. 

Do you have some penalty you can enact to punish them for egregious repeated harassment of a consumer?
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I reached out to this agency in XX/XX/2021 regarding helping me to get the credit bureaus to remove the fraud alert on my credit file. I got a response from you all on XX/XX/2021 stating it was handled but still when I try to run my credit im being told there is a fraud alert on my credit.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (NY)

XXXXXXXX XXXX and early warning services have reported me and as I said someone fraudulently deposited a fake check into my account with XXXX XXXX XXXXXXXX they are trying to held me accountable for this action that was not made by me this is very unfair and unconvincing me to open new accounts and expansion for my business I feel like since Im a XXXXXXXX XXXX XXXX Im discriminated
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I contacted NewRez Mortgage on XX/XX/2023 about my taxes that are escrowed. They paid my property taxes on XX/XX/2023 which incurred late fees of {$1100.00}. I have submitted documents on XX/XX/2023 and again on XX/XX/2023. I have called on three separate occasions and they continue to either disconnect or state they need more time to research. When I log into my account online it states that the case has been closed. They still have not refunded my escrow account. I need them to refund my account and pay me back the interest.
Consumer complaint received 2023-07-26
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. (TN)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site XXXX 

Please dispute the account. It was opened without my knowledge, authority or consent. 


XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

I am a cardholder with Discover. Recently I opened a dispute against a charge I have on my card for {$340.00} against a website that scammed me on XX/XX/2022. I ordered a product for this amount and never received what I ordered, and my dispute was denied because Discover said they could not contact the merchant, yet I stated many times that the merchant was a scam and the website from where I made my purchase was no longer up. The staff at Discover have been extremely rude and unhelpful saying that there is nothing that they can do about this issue. From the photos I will be attaching you will see my receipt for the product as well as how the order is still pending in my XXXX  application, which is an application used to track orders.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (IL)

From XXXX XXXX XX/XX/2022, my interest rate was 10 % and with the credit at the time of the purchase, it did not make sense. 2022-current, it was lowered to 9.8 %, I asked how to go about it being lowered or refinanced, however they stated they could not -- which runs the risk of the loan age starting over if I go thru with another bank. Lastly, my current statement says I have a late fee charged for a payment for XXXX that's not due yet.