davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX should not be reporting to Equifax and XXXX  that I am ( 30 days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX XXXX and they assured me that no lates would report to the bureaus on this account. XXXX XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX XXXX to correct this however, I have not been successful.
Consumer complaint received 2017-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I keep getting the XXXX XXXX from this company. I have tried 5x unsuceesfuly, especially afteer getting hosed by XXXX, and some customers XXXX on the 1st of the month ( a mil payday ) to access funds. 

I have a severe plumbing issue and I need things from XXXX or XXXX. I was unlawfully denied because XXXX was shooting " unamerican bitcoin cash outers '' in the foot. When I highlighted this after 6 hours or more of tweeting, the card let some transactions thru. I was called " unamerican '' for an XXXX XXXX account secured CD I tried to open and my info is continuously out of XXXX reported to me, even though somehow the bank has my info. Sent info to XXXX and usaa but I keep getting the PC XXXX instead of " getting XXXX straight '' ( as chief says ) with the bank. 

THis is the 3rd bank im having XXXX with and XXXX DESERVE BETTER than this XXXX organization that treats us worse than trash. they deserve less than the reputation listed online and can XXXX XXXX complaints in the XXXX XXXXIf treat people this way, DONT EXPECT POSITIVE REVIEWS AND TWEETS. unlawful reporting as ABUSIVE to twitter is a 1st amendment violation and illegal censorship. companies do not have the right to choose how info or what info gets leaked about them because of thier bad actions. this is also a trend. XXXX payments take over 3 mos to move. balances have been refused to be sent to my other accounts and the option to add more isnt working, as is half of thier website on a ongoing basis. This is why I left regions.
Consumer complaint received 2021-02-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC (FL)

We refinanced our mortgage with new day financial in the fall of XXXX. During the loan process we established that our escrow and are taxes would be prepaid so they could pay for our taxes. This is been going on since XXXX of XXXX I call them several times, every few weeks and get transferred to the escalations team. When I talk to them I get empty promises and lip service about when this issue will be resolved Our taxes are due at the end of XX/XX/XXXX as of today XX/XX/XXXX they have not been paid. I do not want to lose my house over their ineptitude and will be forced to pay out of pocket which means I will being twice for these taxes please help
Consumer complaint received 2024-03-27
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. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc. (SC)

I XXXX XXXX never entered into a consumer credit transaction with CREDIT COLLECTION Services on XX/XX/2021. I was not expecting a bill on XX/XX/2021. On XX/XX/2021, they sent a bill that is a violation of 15 US Code 1692b. They also used obscene and threatening language that is an attack on my reputation and character in their correspondence to me. This is also a violation in accordance with 15 US Code 1692d.
Consumer complaint received 2021-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

I am always on time when sending my mortgage, as it is my most important bill, however the company continues to accuse me of sending my check late. I send my check well before my billing date and they continue to say they have not received my payment on time, each time they charge me a late fee. I have been to my local post office for information on how long it takes for a letter to reach California from Massachusetts, they told me it takes about three to five days. I always send my check on time and they claim I am roughly 19 days late on my payment, they have charged me late fees multiple times and I am upset since I know my payments are on time. It seems as if they want to force me to switch to automatic payment although I have always payed by check through the mail.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My Experian credit report is missing an open account which appears on my other credit reports. This artificially increases my credit utilization percentage and lowers my score. I have called and waited on a chat line with no success. the dispute center only allows for me to dispute the accounts that are shown and does not allow me to address a missing account. This missing information is negatively impacting my credit score and it is next to impossible to contact Experian unless you want a new credit card or want to buy additional services. This missing information increases my credit utilization rate from 7 to 12 %.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WorldRemit Corp. (MA)

I received an email on XX/XX/21 stating possible fraudulent activity on my Visa debit card. 
I called the # provided and was told that World Remit had taken on XXXX taken {$240.00} & {$160.00} from my account on XX/XX/21. I checked my account and found another {$19.00} was taken on XX/XX/21. I went to my bank ( XXXX ) that morning and changed my ATM card #. I was then told to call customer service to get my money back. I called this morning and was told that this would take up to 10 days if it was found to be fraudulent. 
The fact that I received the fraud activity email immediately, why was the withdrawal allowed? Why isn't there a verification required as with XXXX? 
I've noticed that other states have World Remit listed for complaints
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION (VA)

I filed for chapter XXXX bankruptcy on around XX/XX/XXXX/XX/XX/XXXX. SunTrust Bank was included in my filing. My bankruptcy was discharged on XX/XX/XXXX. I have not heard from SunTrust Bank since then. Today XX/XX/XXXX, while in the process of selling my house i was informed that SunTrust Bank had a judgement on my property from XX/XX/XXXX. I did not own this property until XX/XX/XXXX and SunTrust Bank was included and discharged in my bankruptcy in XX/XX/XXXX. Why 20 years later have they placed a judgment on a property that I didn't own until 10 years later. At no time when i purchased this house did an issue with SunTrust Bank arise so all of this coming up out of the blue is pretty shocking and concerning. 

Per my discharge documents, " The discharge prohibits an attempt to collect from the debtor a debt that has been discharged. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take any other action to collect a discharged debt from the debtor. A creditor who violates this order can be required to pay damages and attorney 's fees to the debtor. '' This is a clear violation that SunTrust Bank is to collect by placing a judgement on my property 10-20 years after it was discharged in a chapter XXXX bankruptcy.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (KS)

Company told me my account was being closed with no explanation. Every time I called customer service to ask why and how to receive my money back, they hung up. I have {$15000.00} in my accounts with them that has been illegally taken from me and I have no idea when or how to get it. This company is fraudulent!
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

PayPal has held my funds again. They are holding my funds and not telling me what the reason is. We had an issue weeks back and now again, theyre holding my funds against my will. They are saying that my traveling has flagged my account and never told me that this would happen. I called and they said that they had to clear some errors. They cleared the errors and they said to try the attempt again. I did, and it didnt work. This then extended the time that i can try again to 48 hours. I have done nothing wrong other than travel which i told them. My funds are held and Im now stranded across the country without access to my funds. They keep pushing back the date in which i can access my funds, but theyre the reason it is extended further because they told me to attempt the transfer. Im just trying to make it home, and me and my XXXX kids are without access to our hard earned funds. AGAIN after they pulled this similar activity in XXXX. I knew i should have stopped using the service as their arbitrary rules are not designed for us to take advantage of. This is an intentional abuse of power. They released a transfer already, and now all of a sudden Im flagged because Im traveling. They didnt call me or email me to notify of an issue with my account. They say that due to me continuing to try and access my money, it locked my account and they have no way to assist. Although they told me to try to withdrawal while they were on the phone. I spoke with so many people and their suggestions have now rendered me helpless when it comes to the accessing of my funds. I never was notified because they didnt notify me. To say the activity is due to suspicious activity, but not once notify me is wrong on so many levels. What if someone really was trying to access my account? Now theyre saying they wont tell me when that happens? I find that hard to believe because the times in which there has been suspicious activity, i was notified. Now that i need my funds again, they wont notify not allow me to use my funds that were made via legal activity and business. With so much fraud happening, youd think theyd assist better with that, as opposed to ruining the businesses of hard working Americans DURING COVID!
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ability Recovery Services, LLC (GA)

On XX/XX/2021 I sent a debt validation request to this company, and rather than validate the debt I was sent a detailed list of my medical records without verification of identity needed to access Private Health Information. This also included my current healthcare provider which is highly sensitive. This is a direct violation of HIPAA regulation as I have never signed a HIPAA release form authorizing them to have, and distribute this information so carelessly.
Consumer complaint received 2022-10-29
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. (FL)

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 2021-02-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendrick Capital Partners (GA)

On XX/XX/2021 I sent a debt validation request to this company, and rather than validate the debt I was sent a detailed list of my medical records without verification of identity needed to access Private Health Information. This is a direct violation of HIPAA regulation as I have never signed a HIPAA release form authorizing them to have, and distribute this information so carelessly.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (TX)

According to the State Licensing Requirements the debt collectors that is collecting on my debt for Americollect Inc using address XXXX XXXX XXXX, XXXX, WI XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
Consumer complaint received 2021-02-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I reported Suntrust to CFPB a few weeks ago for invading my privacy by sending strangers to my home for no reason. The complaint ID for my complaint is XXXX. The response was laced with misinformation and flat-out lies. I also wanted a response as to why SunTrust decided to only grant XXXX  months of forbearance when I requested 6 months. As such, I sent several emails to the rep that responded to the CFPB 's complaint, called SunTrust, and requested to speak with the person who is tasked with managing my account during forbearance. However, I am yet to receive a response from either one of them. 

I contacted the bank again a few days ago after receiving a statement that shows {$12000.00} due by XX/XX/XXXX XXXX see attached statement ). On this statement, you will also see several {$20.00} charges ( the rep stated she was going to address this in her response to my previous complaint ) for " home inspection. '' My monthly mortgage payment is XXXX. I have not paid since XX/XX/2021. Therefore XXXX XXXX = {$11000.00}. According to the Cares Act, no additional fees are supposed to be assessed against a loan that is in forbearance. To date, no one is willing to speak to me to address this issue. What is the reason for the additional {$1600.00}? 

In her response to the complaint ( XXXX ), the agent stated no one should be coming to my home since the account is in forbearance. Why are they still coming every month? In my previous complaint, I asked SunTrust to cease and desist ( even delinquent accounts that are not in forbearance can ask banks to cease and desist in-person visits ) but this has done nothing to stop SunTrust from sending people to my home, peeping in, taking pictures through the blinds, and walking around my home. 
At XXXX this morning, XX/XX/2021, Suntrust sent yet another agent to my home, peeping in and taking pictures through the opened blinds, walking around the home, taking pictures of the mailbox, and leaving an " urgent notice '' on my front door. My cease and desist was ignored by SunTrust. 
In summary, SunTrust has ignored my cease and desist request and refused to address concerns that I have regarding unauthorized fees on my account.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I filed for a modification over a year ago. It was to start in XX/XX/XXXX. I have made all payments as directed but the website still indicates I owe XX/XX/XXXX payment. I have signed and returned the modification agreement 3 times and it has not been received per servicer. I have called repeatedly and requested contact online. I have made ten phone calls to waste an hour to fill in some random service rep the same story with no solutions. I just paid my XX/XX/XXXX payment and they have me as due for XX/XX/XXXX and my escrow is in the negative. I am extremely frustrated. My original loan was with XXXX XXXX XXXX and they sold me to this servicer. I would like to know what my legal rights are. This is affecting my credit and causing my family serious harm.
Consumer complaint received 2024-03-22
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached 2 accounts that are reporting inaccurately to all three of my credit bureaus, per the FCRA they all have to report the same accurate information. I want these accounts that are reporting inaccurately to be deleted from all three credit bureaus. I have attached pictures highlighting the inaccuracies.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: A & O Recovery Solutions, LLC (CA)

XXXX  XXXX XXXX XXXX : {$1800.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXXXXXXXXXX  XXXX XXXX XXXX : {$2800.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXXXXXXXXXX  XXXX XXXX XXXX : {$1000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX XXXX XXXX : {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX  XXXX XXXX XXXX : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

CCI XXXX XXXX XXXX : {$160.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This debt is from Kohls department store in XXXX New jersey is where I opened up the account and I paid off the account I called the store on several occasions I called the corporation on several occasions to try to clear up this issue my statement that I did find has a different account number on it the account number that they told me has the debt is not the account number that my account is also I asked for statements they can not produce any statements or any history of payments or non payments they only had one payment so they say {$50.00} in XX/XX/2016 which I told them of him I have requested over and over for proof of debt I was told by the corporation that there is no statements and there is no balance statement so I would like for the company and I would like for the three credit XXXX XXXX XXXX XXXX XXXX to remove this debt from my name.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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