davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (OH)

I submitted a dispute with suntrust bank in the amount of {$100.00} USD with the merchant being XXXX. I explained to suntrust that I never received my debit card and that my identity had also been stolen. I informed the rep that everything from my mailbox was stolen that day as well, around XXXX. I contacted XXXX XXXX because an account had been opened in my name fraudulently. I contacted the 3 major credit bureaus as well as XXXX  ( consumer report ) in order to freeze my credit and consumer report. I received a letter from Suntrust around XX/XX/15 stating that my dispute had been denied. When I contacted the fraud department at Suntrust, I was informed that my dispute was denied due to inconsistencies. I asked to repeal the decision and also requested the information/documents used to make that decision. I received the appeal form and filled that back out and mailed it in. I called on XXXX to get an update, I was informed that my case was still under review. I also asked about the documents used in order to make the decision, and the document were never sent out. I informed the rep that i called XXXX, XXXX stated that they can help but they need to fill card number. I feel as if my case was just pushed to the side and not looked into like it should have been. Inconsistencies doesnt make sense if they would contact XXXX to get this situation resolved. When asking again for the documents be sent out, I was informed that I would need to go to a branch location with my ID, however there is no Suntrust Branch in my state. They are not doing anything to help with my dispute and its very frustrating.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

Hi, Terms of this card is rewards I could use at XXXX XXXX. 
I called close to ten times and keep getting told problem will be solved and I will start being able to use my rewards. 
Nothing has changed.
Consumer complaint received 2022-02-24
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. (MT)

This is already my third time submitting this complaint. I have told you already, I was never late on this account. In fact, there are multiple errors with this account. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information are XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. Please remove negativity, fix and correct all inaccuracies.. 

XXXX XXXX XXXX
Consumer complaint received 2016-02-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (DE)

We were defrauded {$5000.00} from the middle of XXXX 2014 to XXXX 2014, by applying for a loan modification thru XXXX XXXX XXXX. That was cash money. We were finally able to speak to a real XXXX modification officer. They in turn, had XXXX XXXX XXXX to handle the modification. We paid them {$4100.00}, and were " approved '' for a loan modification thru Bayview Loan Servicing. We have paid them {$2900.00}. We have been trying to get Bayview to correct our address. We live in DE, they have a CA address. We can not access their online system, saying our loan number does not exist. In the meantime, we have received XXXX letters in the mail from XXXX XXXX stating our mortgage has been modified. We have received NOTHING from Bayview concerning our mortgage. Two weeks ago, we received a letter from the Attorney Generals Office ( DE ) stating XXXX XXXX is not licensed to practice law in DE. We have just copied a stack of correspondence to be sent to DOJ. We do n't know if we have a mortgage, if we should find an address for them to mail payments to ...???? We are at a total loss
Consumer complaint received 2020-01-04
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. (OH)

I need the following incorrect addresses removed from my credit report. I do not recognize them. I am looking to start a new job and my information is not right on my file. 
XXXX XXXX XXXX WAY, 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, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (HI)

I have sent out 2 notification for validation of debt on XX/XX/20 and XX/XX/20 as soon as I received notification from XXXX that a collections account has been placed on my file. SUNRISE CREDIT SERVICES has violated my rights by not notifying me about the debt. They never sent any form of communication to me that would have giving me an option to dispute the validation of the debt. They have violated 15 USC 1692g section 809 of the FDCPA. I have provided 2 return receipts that have been signed by someone from  SUNRISE CREDIT SERVICES. 
Please Investigate why SUNRISE CREDIT SERVICES has not responded to any of my letters.
Consumer complaint received 2020-04-09
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)

Good Afternoon, I am a victim of identity theft. My personal information was used to open a loan from XXXX XXXX for {$15000.00}. 

I learned of this upon reviewing my credit report/score in XX/XX/2019 at XXXX XXXX. I noticed the account was opened in XX/XX/2019. I immediately disputed it with all three credit bureaus. I also followed the appropriate protocols at IdentityTheft.gov and sent letters to both XXXX XXXX, as well as, all three credit bureaus to close the fraudulent account ASAP and to remove the fraudulent information from my credit report ASAP. As of today, all three credit bureaus have completed their investigation and removed the account from my credit report as it has been an act of identity theft. 

As a victim of identity theft, which may have occurred with the numerous breaches of data from credit card companies and other companies, my personal information such as my name, date of birth, social security number, address, email and telephone number was used to open this account, unbeknownst to me. 

I can confirm that my bank which is a XXXX XXXX XXXX has not received any payments or funds from XXXX XXXX nor has made any payments to XXXX XXXX. I have researched their claim, but do not see an inquiry to support this. 

Lastly, how can you verify someones identity through a phone system. Perhaps, physical documentation should have been collected or having the person visit a branch to ensure their true identity. As a victim of identity theft, my personal information was used to verify the account which was how it was opened. XXXX XXXX should have taken more precautionary measures to ensure it was the correct person opening the account. 

I am in the process of filing a police report. 

Again, I'm not at fault, responsible or liable for the account. Since the account was opened fraudulently using my personal information, I intend to continue to fight this and repair my financial reputation. 

Based on the above details, I kindly request this account be closed. 

Thank you!
Consumer complaint received 2020-01-04
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: CITIBANK, N.A. (AL)

There are two fraudulent accounts reporting on my credit report that I have never applied for.

One from Citibank and one from XXXX. I NEVER applied for either account. And neither account is assigned to an address I have lived at in the past.
Consumer complaint received 2022-02-24
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I am a victim of identify theft where a person changed my information on Wells Fargo checking account and sent three -unauthorized wire transfers- to three different banks totaling {$60000.00} as noted below : XX/XX/22 {$24000.00} to XXXXXXXX XXXX  XX/XX/22 {$24000.00} to XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/22 {$11000.00} to XXXXXXXX XXXX XXXXXX/XX/22 Wells Fargo sent letter to me denying my claim
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (SC)

A collection account from Credence Resource popped up on my credit reports on XX/XX/20. I have no clue about this account and did not receive any written notification of this debt allowing me to investigate or seeing what this is for. I want this removed immediately. As I was not given any notification of this!
Consumer complaint received 2020-04-08
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. (CA)

There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company. I notified the bank of this situation and they failed to make the change. The account is now current with the correct bank account.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (AL)

This account was settled in full with Midland Credit Management on XX/XX/2020. The payment was made using a ACH via telephone. An agreement was emailed over and signed and was fax back to Midland Credit on XX/XX/2020. Midland sent over a letter on XX/XX/2020serving a final receipt. A lawsuit was filed with our local court was dismissed after payment. They advised that the credit report would be updated within XXXX weeks. After the credit report was not update to reflect correctly a dispute was filed citing the incorrect balance information. Instead of Midland Credit Management reporting the correct information during the investigation they reported that we still owed the FULL balance of {$1300.00} on XX/XX/2020. Midland Credit Management and XXXX XXXX XXXX knew that the account was settled and payment was made but decided to be deceitful and report knowingly incorrect information to the credit bureau instead of the correct information resulting in devastating 45 point decrease to my credit score. I have all the documents to provide this account was settled on XX/XX/2020 including the receipt, signed agreement, dismissal of the suit filed in the local court. and bank statement showing the payment was made. Midland utilized XXXX XXXX XXXX attorneys to resolved this matter XXXX.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MA)

My mortgage lender failed to submit payments for my property taxes, leading to accumulating late fees. I have contacted them several times, both via phone and email. When contacting them via phone, they requested that I email the tax bill so that it may be addressed. However, they failed to pay the bill or respond to any of my emails. As a result, I ended up paying for the taxes with my own credit card. 

Additionally, they have failed to respond to my messages regarding the annual payment of my home insurance, which is due on XX/XX/20. I would like to avoid late fees and may therefore make the payment on my own ; however, this would mean that I would be overpaying my mortgage ( given that it is inclusive of the insurance payment ) and am unsure how or if I would ever receive the refund or have my monthly mortgage bill adjusted.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

I deposited {$88.00} into my credit karma checking account on XX/XX/2022 and the funds arent available, even after being posted by the bank. I called to check why Im not able to access the funds and the representative reasures me it would be availible in 1 hour because of a problem on their end. Currently theyve still not made the funds availible after its been posted and cleared on their end and theyve refused to reverse the transaction.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK (NJ)

Investors Bank marked me as 30 days late on my mortgage in XXXX 2020 when Governor XXXX said that people who live in New Jersey will not be reported as late on our credit report for 90 days. I was affected by COVID-19 because I own a hair salon and was not considered an essential business. As a result, I lost a lot of revenue and was not able to make my mortgage payment.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am applying to start my life over again and I am being haunted by misinformation on my credit report in the public information section. In 2011 my bankruptcy was finalized and though the dates and account # s remain incorrect I have had no luck getting into the public records department in downtown XXXX XXXX to have that information corrected. Its been 11+ years and most of those accounts have not been touched for 15 plus years. Please ask XXXX, TransUnion XXXX  XXXX to remove the Bankruptcies, once and for all finally, please! Please remove them, I am trying so hard to buy a house and I am haunted by the public records section and no mortgage company will give me the time of day because I have this lingering Bankruptcy with extremely old information haunting me. 

no one should suffer 11 years over Chapter XXXX! please! Please in Jesus ' name remove it please. Let me buy my house and, move on with my life. My children need a home.
Consumer complaint received 2022-02-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NV)

I applied for an FHA mortgage loan with Rocket Mortgage and submitted all of the documents they requested to get pre-approved. In return I was given a " Verified Approval Letter that stated the following : This is your official Verified Approval, backed by Rocket Mortgage. 
This Verified Approval is proof that your income, assets and credit score have been fully confirmed by our underwriters, giving you our most accurate evaluation of what you can afford. 
Since we have verified your information, you can be confident well close your loan. In fact, were so certain youll make it to closing, well pay you {$1000.00} if you dont.. 

Literally days before closing I was told my application was got denied and my loan did not close and I lost the house I was going to purchase because of it. The denial letter stated that my loan was denied due to unverifiable information and credit history??? Their verified approval is subject to Rocket Mortgage reviewing my credit history and verifying all necessary information so why did they give me Verified Approval Letter if they didn't verify everything and review my credit report? I spoke to XXXX XXXX and told her I wanted the {$1000.00} I am entitled to if my loan did not make it to closing as written on my " Verified Approval Letter and she said I was not eligible to receive it. Why? I did everything I was supposed to do on my end only to end up losing the home I planned on purchasing because Rocket Mortgage failed to do everything they needed to do on their end BEFORE giving me " Verified Approval '' Letter.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

My name is XXXX. Cardinal Finance has transferred my mortgage to XXXX XXXX. 
I made a payment of {$1300.00} to Cardinal Finance and they said they suspense the payment and transferred to my account with XXXX. Just to add into this case. 
I made the payment with Cardinal Finance on XX/XX/XXXX that reduced the Principal Balance to XXXX and XXXX XXXX. They then reversed the payment on XX/XX/XXXX to move my balance back to XXXX with escrow XXXX. 
My loan was then transferred as {$210000.00} with the balance and the escrow to XXXX. I called Cardinal Finance customer service many times and they said my payment was suspense and transferred to XXXX. I called XXXX, they made me send my case to a research payment team but have not heard back. When I call them again they referred me to contact Cardinal Finance again.
Consumer complaint received 2020-04-08
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. (NY)

To Whom It May Concern, I recently checked my credit report XX/XX/XXXX and there were a few errors on my credit account that I was told would be removed from my credit report but yet Is still reporting. I am just trying to get everything accurate. Due to everything going on In this world with the Corona-Virus, I have had more time to look at my report and notice these errors. 

Late Removal XXXX XX/XX/XXXX ( I was told by there customer service. I would be given a goodwill adjustment and that this was going to be removed from my report report ) Hard Inquiry XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ( When I found out about these 2 accounts I closed them right away as I never opened them and they were not authorized by me. If anyone can show any validation of me going to there stores signing anything. Never happened. They had agreed to remove these hard pulls from my account since I never authorized the card. The way the Customer Service rep explained was these cards will be removed from credit report all together since I owed no money and gone from Inquires since I never applied for them ) XXXX  XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud ) XXXX XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud )