davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION (MD)

I went on Covid forbearance due to loss of income for 18 months. I then reached out to Truist to see how I could begin making payments. I was told different things every time I called. One person said that I would received a packet, but all I received was letters requesting repayment to avoid foreclosure, others were requesting income and tax information. I then went to a branch on XX/XX/23 and had a manager facilitate a call with Truist. The call center, XXXX, advised me that I needed to bring my outstanding payments under 18 months to request a deferral. I made two payments over the phone to do so and it covered the following months payment to cover me while I waited to get approved for deferral. I did not received anything regarding a deferral nor did I receive any calls during this time. I then reached out in XXXX to see if my deferral was approved. They said that I had passed the deadline of XXXX XXXX and that I needed to participate in a trial payment plan and loan modification because I no longer qualified for Covid forbearance related deferral. I had requested this in XXXX and I had continued making mortgage payments while I waited to hear from them. I believe that I have exhausted all requirements and should be afforded a deferral without an increase in my term. I feel that my case was mismanaged by Truist from the start and their own incompetence has led to my situation. 

Please advise.
Consumer complaint received 2023-05-13
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Date of Inquiry : XXXX ; XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$550.00}.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified an erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following account is erroneous and should be updated and corrected from my credit report : XXXX XXXX Balance : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have identified events involving me as a victim of ID Theft. Someone has systematically used my information to secure credit cards and purchase cars, additionally repeatedly file bankruptcy in my name as a means to discard the debt and direct the attention back to me as the part responsibility. I have provided the credit bureaus with police report and an outline of my details and they have yet responded to my complaint and seek in any real way to fix or even investigate the problem. 

Your help is need to correct this matter.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (SC)

Lack of real estate secured loan information Balances on bankcards are too high compared with credit limits Too many inquiries Synchrony Bank told me to reapply due to a supposed computer glitch. Then when I apply again they said my balances with them are too high already which are all XXXX balances. They said I have too many inquiries through them. They are also denying me because I paid cash for my house. 

ID XXXX Manager
Consumer complaint received 2024-01-19
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: LJ Ross Associates (IL)

I am a victim of identity theft. My personal information was stolen as a result of the XXXX breach of XX/XX/year>. There are several items where I am not familiar with, countless of inquiries I did not authorize and this had brought adverse action against me and my credit score.
Consumer complaint received 2023-03-01
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. (MD)

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 inaccurate XXXX  XXXX inaccurate Munipl # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Please remove these accounts
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, never gave ( XXXX XXXX, XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding the deletion of the following accounts and that my credit score be updated in light of these changes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the account is already deleted then disregard that specific account. 

Thank you.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Executive Office of President ; I'm not sure where the disconnect is but I just got off the phone with 2 different representatives, one said that the check was mailed to me on XX/XX/XXXX ( allow 5-7 days to receive the check ) and then I asked to speak to be transferred to a supervisor representative here in USA. When XXXX ( EmployeeID XXXX ) got on the phone stated that there was no check cut out yet, and she was going to process it, and now it might take another 5-7 days to receive it. Look again, I called back on XX/XX/XXXX because I tried to used my credit card and it didn't go through to only find out that you guys closed it down. I'm sure the calls are recorded, where a representative told me that the account was closed and when I asked for reasons and how about the $ 70- {$80.00} that I had used, she clearly explained to me not to worry because you guys had my {$290.00} collateral therefore you guys would take the amount i used and cut a check for the remainder of around $ 220'ish. I had to call last week on XX/XX/XXXX, where the representatives again mentioned that the money should've be sent to me within 5-7 business days. It's now 2  months later, you guys charging me interest and late fees. I just asked XXXX again, to refund the fees back and remove this account for my credit due to error and miscommunication on your company 's part. She told me that the only thing she can do is request the check but she's not refunding the fees even if I was told not to worry about the purchase and it was up to me to pay what i've used. I trusted your company and your representative when I was initially told not to worry about the amount i spend that you guys will handle it that from the collateral and cut the remainder check.
Consumer complaint received 2024-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PINNACLE RECOVERY, INC. (VA)

Paid annual maintenance fee for timeshare to XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX property on XX/XX/2021. XXXX claimed payment was not made. I provided them with screenshot from XXXX  XXXX XXXX Checking Account including confirmation number of transaction. They ignored my communication and turned account over to Pinnacle Recovery. Pinnacle Recovery ignored my proof of payment.
Consumer complaint received 2019-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-America Accounts Control Bureau, Inc. (IN)

When I first walked into XXXX XXXX  in XX/XX/2019, I told him I am XXXX and could not afford to run up a big bill. I also told him the insurance I had and showed him my card, which he copied. He assured me that my insurance would cover everything and that I should not worry. XXXX XXXX himself told me these things. My step-daughter was with me and she too saw him that day and witnessed the entire conversation. 

After our discussion he did his initial evaluation, then did an XXXX and several other procedures. These included a tens unit on my XXXX, heat and a compression device. 

At NO time did he tell me that these procedures were above and beyond the initial XXXX and that they would cost more money. I was unaware that he was intentionally running up a large bill that he could bill my insurance. 

When my insurance did not pay ( after he assured me it would ), he then came after me to pay a bill that I specifically told him I could not pay. I did not give permission for him to do all the extra procedures that he did. 

I have explained this in writing to his office and to his collection company. To date, I have received absolutely NO response from his office or the collection agency. 

I feel this is overtly fraud by his office. They KNEW I couldn't afford this yet continued to do procedures without my permission to run up the bill. I believe he did so because he thought he would bill the insurance. 

Additionally he put my step-daughter into a XXXX XXXX at his expense because he felt he could help her. She is XXXX XXXX. On our second visit, he became upset and told his son to " get her out of there NOW. '' His son obeyed and immediately got her out of the XXXX. On our way home, she got ill. This resulted in a visit to the emergency room for the XXXX. This is a condition in which they bring someone to normal pressure after being at a deep dive sea level pressure. It took her a week to recover from this incident. 

I believe that it directly relates this billing and collection because XXXX XXXX got angry that I was looking at his books in the hallway while waiting for the restroom. He became furious and made a loud scene about it. The people in the waiting room and other procedure rooms could all hear him yelling at me to " GET OUT. '' I told him I was not leaving without my daughter, which led to the removal from the XXXX 

This behavior was unprofessional and unprovoked. Again, I believe his anger at me is fueling this billing and collection activity.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is my problem, I was refused a Credit Card because what Transunion is Reporting to XXXX - that there is a Bankruptcy on Report? 

I tried calling and calling I got nowhere with their first line of phone reps - they keep repeating over the same canned answers, I called 2 or 3 times they all say the same thing, I asked to talk to a Supervisor and they put me on Permanent Hold after 30 minutes Ive hung up that is so rude! 

I went online to Transunion to check out my Report - there is nothing Negative, and No Bankruptcy ( I did have one 11 years ago - that was removed by the other Credit Agencies early last year, and I was told Transunion did also ) I tried to Dispute this Online there is No way to do this on your website I was going to Upload the Attachment. 

I called XXXX, they told me this is what was reported from Transunion and this is all they can go by, I also applied for a XXXX Credit Card last month and I was told the same thing that this would need to be corrected, no matter what I say they need it from Transunion in writing. 

Also, the Transunion rep said there was No Bankruptcy on my report, so obviously there is a Disconnect on what he can see and what they are Reporting to me and Creditors that Inquire?? 

I tried several months ago to talk to someone that would actually listen that there was a problem with my Transunion account - after the 10 year period of the Bankruptcy dropped off in early 2019 my Credit Score with both XXXX and XXXX shot up close to 100 points higher, it never had much of a rise with Transunion showing another Disconnect that is wrong, and I was trying to explain there must be a glitch in your system. ( I never got anywhere even once I got a hold of someone it was like talking to a wall, the response was there is no way Transuonions computers are wrong and would not look any further, way over frustrated I gave up. ) Transunion has Mailed me Reports and I've looked at them side by side the other Credit Bureaus, there really is no difference at least the ones that were mailed or I can view online, but the attached is proof that Transunion is giving False Information to my Creditors, effecting my Score, my Credit Rating and being able to apply and get Credit
Consumer complaint received 2019-12-23
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: EQUIFAX, INC. (NJ)

Despite two written requests and a fraud alert placed on my reports with Equifax and XXXX, fraudulent unverified items still remain on my credit report in violation of Federal Law. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they have verified that these items are being reported correctly. I've contacted the creditor and the 2 credit bureaus with no success with getting. XXXX, XXXX and XXXX XXXX are still being reported but have yet to provide me with PROPER documents validating my ownership of these account.They have NOT provided me a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Iam just receiving validation of an existing debt. It does not prove ownership! These account are not mine but continue to be reported on my credit reports. I was told by a fraud rep at Equifax that she could not provide me with any information received by the creditor used to validate or verify this account. It is hurting my credit and a consumer i know my rights and i feel they are being violated.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later tXXXXan 4 business days. Ive already included this in my previous complaint # & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (TN)

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. 

Account name : US DEPARTMENT OF EDU account numbers XXXX, XXXX, 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 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 2022-11-12
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: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/XXXX to Equifax to remove the erroneous inquiry that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax is required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

Nelnet is reporting entirely inaccurate information about my federal student loan. While my expected graduation is in XX/XX/XXXX, on my credit reports the status of the federal loans inexplicably says repayments begin in dates ranging from XX/XX/XXXX, XX/XX/XXXX, to XX/XX/XXXX. I believe for federal loans the repayments being six months after graduation? So I don't understand why the repayment start dates are so different as I have not changed my school nor my program of study. This seems like a fully predatory practice on behalf of Nelnet, illegally reporting inaccurate information about when student loan repayments begin. By committing such FCRA violations with their intentional reporting of inaccurate information, I believe Nelnet hopes to increase the rate of federal student loan late payment fees and increase the default rate. This would absolutely be an abuse of students as well as the federal government funds by reporting fake dates which student loan repayments begin, years after the payments actually begin according to federal guidelines. 

All my federal student loans have been with the same university enrolled in the same academic program of study, so I do not understand why Nelnet is reporting some student loans with the XXXX date for when repayments begin, while for others reporting XXXX. I have neither enrolled in another university nor changed my program of study from the dates the federal student loans were first disbursed. So I don't know why Nelnet is lying and reporting inconsistent information on my student loans.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

I applied to Discover for a personal loan.. 
( They do that now ) I was surprised that I was denied I press the button for info on why I why denied. It stated an issue with a Discover card in XXXX In XXXX I was close to death And my criminal brother illegally used my credit cards. When I started to recover I Made a police report and every credit card company reversed or dismissed the charges. Discover card dragged me through court even tho I could barely walk And LOST. Now they are denying me a loan and possibly negatively effecting my over XXXX XXXX XXXX with a loan denial Because of a case that they LOST 13 years ago??? Even if Lost NYS statues of limitations is 6 years. My main concern is damage to my credit rating because of a case 13 years ago that they LOST in XXXX.
Consumer complaint received 2023-01-23
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. (PA)

My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.