davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I have logged over 3-4 hours on the phone with SunTrust during the calendar year of 2021 trying to get them to properly process and reconcile the payments we have made on a mortgage we have with them. This experience has been nothing short of baffling and excruciatingly frustrating as we have ZERO confirmation that our explicit request are being handled, the details of which I will provide below : Beginning in XXXX on the XXXX a payment that was submitted as a 100 % principal-reducing payment was incorrectly applied by SunTrust. I called and requested a payment correction, to which I was told by the person on the phone in the servicing department that it would be done. After a few weeks it appeared online that a " correction '' was made but no amount was reflected next to that date. It also did not appear that the balance we saw online reflected the correction. 
In XXXX we had another payment that was submitted get incorrectly applied, and I had the identical conversation requesting the payment be adjusted to 100 % principal reduction on or around XX/XX/XXXX ( correcting an end-of-XXXX payment that was received ). 
Again in XXXX we had another payment get misapplied and at this stage I requested SunTrust not only make the correction but send me a detailed YTD payment reconciliation as neither the printed statements NOR the website properly reflected the payments being applied per our instructions. I was assured by the service person on the phone they had been properly applied and was told we would received a statement. 
Once again in XXXX I had to make yet another call to request a payment adjustment and once again I asked for the aforementioned statement since we never received it the first time. The person on the phone said it would be sent in the mail, however I explicitly asked for it to be sent via email since the last request never arrived. They said they would do so and I should expect the email in 7-10 days. It has been 2 weeks and we have not seen the requested statement. 

It should not take me this long, or be this hard to get a properly payment reconciliation of my loan. I need help ensuring that our explicit instructions are being acted upon and to-date I have no proof that they are.
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Brock & Scott, PLLC (GA)

I am being sued in the wrong venue by a law firm claiming to be a debt collector. According to the FDCPA the proper venue for this debt is the district court. This law firm does not have a valid contract after asking to validate the debt and is now filed a complaint in a state court for breach of contract when they have failed to respond by providing the contract. This is a violation of the law. They also ignored my requests to produce the contract and have not done so
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Early Warning Services, LLC (NY)

Someone called me on XX/XX/29 and pretended to be a XXXX customer service, who alleged that she could help me to fix my account. She asked me to install a software XXXX ( if I remember correctly ) to control my computer. And then she kept taking out money out of my bank accounts and saying this is for verification and would give the money back to me. She also helped fix my XXXX bank account. 

Luckily two days later I realized this was a scam. I called the two banks to stop my payments. The XXXX bank could stop the payment in time but it was too late for the XXXX account. I'm now in the process of disputing with the two banks and have got most of my money back. 

But for the {$500.00} through zelle in XXXX, I failed to get it back. The XXXX bank considered the money was authorized to pay but the fact is because my computer was totally controlled by the hacker.
Consumer complaint received 2021-07-26
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. (PA)

Hello hope all is well, I was viewing my credit report and notice that I had inquiries that are definitely linked to identity theft. My mind is blown because the amount of inquiries that are on my report are stopping me from helping my mom get the house and a XXXX XXXX to protect her. Ive been trying to figure out how these culprits could have gotten my identity but Data breaches have been happening all throughout different businesses that have personal information. These inquiries are ruining my life. I have been doing research on the law and according to the FCRA all fraud inquiries must be blocked and removed within 4 days. Now I also read on forums that you try to rescind the order but that is a violation because I am a victim and I am letting you know that my information was stolen. You must follow the law that was put a side to protect me and others who have been abused. My life changes when you stand with justice. Please get this off my report right away. I have attached the FTC report with all the inquiries attach to it that must be removed with in 4 days. I also attached proof of my id. & a proof my address with a utility bill. 

God Bless You all.
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (VA)

I am serving XXXX XXXX in the XXXX, and I had a phone service plan with XXXX XXXX. I had closed my account in the store so I could switch to a family plan with XXXX, XXXX at the time. 

When I closed my account in the store I was told that I owed nothing more, the final amount that I paid was the same amount as what they claimed as debt. 

They sent a letter to my house, which is my home of record, however being stationed elsewhere I didnt see the letter until I went home. The people at my home of record does not open my mail, and its very difficult to receive mail on post so I dont do that. They never tried to call me directly or told me in any other way that I owed. 

When I saw the letter, I called XXXX and asked them why I owed them money. They told me on the phone that I didnt owe them anything and that my final bill was paid. So I contacted the debt collector, and they were unable to help me. Even trying to log in to my XXXX app showed that my account was already closed. Finally after about a month of back and forth I paid the bill I had already paid. The debt was settled with the debt collector and I thought everyone was happy. 

My credit report got hit with a 3 month late payment history, the only negative report I have on my credit. I take my credit seriously, pay all my bills on time, and never go over any limits I have financially. I feel very wronged by XXXX, I even contacted their collections team after seeing the report and they wouldnt help me. I tried to get the recorded calls as proof and they wouldnt do that either. Im almost to XXXXhe point of getting a lawyer.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp (MI)

Union Home Mortgage provided me a mortgage on a new construction home from XXXX XXXX, which closed on XX/XX/XXXX. In XXXX of XXXX I discussed paying off this loan in full but was notified there was a backdoor deal between Union Home Mortgage and XXXX communities where and escrow hold document ( included ) was created for incomplete work on the home. This escrow document was not shared with me at closing nor were any funds held by the title company as noted on the document. 
I believe it is required that they disclose all documents related to my mortgage and home purchase prior to closing. 
On XX/XX/XXXX I began communicating with Union Home Mortgage to get more details about this non-disclosed escrow document and funds which should have been retained for work not completed per my purchase contract. 
I contacted XXXX XXXX XXXX who stated they were not holding any funds as were referenced on this document. 
Union Home Mortgage said that no funds were held and if I pay off the mortgage I have no recourse on recovering the funds due or work being completed. 
I think the Truth In Lending Laws and I have been violated and now that this mortgage has been sold to XXXX XXXX, by not disclosing and recording this appropriately so have they. 
Having the mortgage company who is associated with the builder hide and not collect funds at closing for incomplete work does not seem legal or ethical. 
I am now prevented from paying off the mortgage or I would have this liability. 
Email communications are attached and identify several steps where incorrect information was provided and through my contacting the various parties I have discovered the issue at hand. 
I think Union Mortgage should be required to obtain the escrow funds back from XXXX communities and held at the title company as designated on the doucment they agreed to without my knowledge.
Consumer complaint received 2021-12-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade & Associates, Inc. (CA)

The debt of {$480.00} is due to a partial amount of a vet bill I disputed with XXXX and got credit for it. XXXX a hospital I took my dog twice when he fell severely ill and yet on day 1 XXXX hand me a XXXX bill saying everything is fine, day 3 I go back since my dog had no improvement and hasnt eaten in days. They prescribe appetite stimulant and hand me a {$700.00} bill. I put some on my debt card and some on cc. Months go by and XXXX kept sending emails saying I owe them. Trying to avoid any further aggravation and frustration I send an email offering to settle with a payment plan. XXXX says they no longer how the debt. An agency doesnt and they share tudo contact with me. I called some day on XX/XX/XXXX disputing the charge verbally. XX/XX/XXXX I send them an email letting them k pq I still have not received any documentation and I was heading out of town for XXXXXXXX XXXX for the holidays. As planned I left on the XX/XX/XXXX and had not received anything from them. 

Again I reach out to medvet offering to pay on a payment plan basis and told no they could only take full payment. When I told XXXX and associates that bought a bad debt since I had disputed and won. They told me they didnt buy the debt. They are acting ok XXXX behalf. 

Im so frustrated to have to be dealing with unprofessional people who didnt care for my dog but their pockets. When trying to pay and put this behind i am pushed different directions. 

I disputed this charge because on day 4 of XXXX XXXX XXXX I take him to another clinic. He gets XXXX and on XXXX right away. XXXX only collect money and delay my dogs treatment. Thats shouldnt be in business. 
The discharge papers came a day after. 
They called asking what time my dog ate chocolate. They kept my dog for XXXX hours because whoever was supposed to pass my message fo go ahead and do the exams forgot and didnt occur to them to ring my phone. When I called they have the nerve to say they were waiting for my call. 

I tried to simplify as much I could. 
My apologies.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (VA)

This company is adding payments to a charge off each month and has not disclosed the purpose of the additional amounts or provided statements explaining the amounts. Furthermore, a judge dismissed a warrant in debt in XXXX of 2019 as it was determined this debt does not belong to me. I have disputed the account with the credit bearous several times and it continues to come back verified or updated. This is a violation of fair credit reporting. I have the court documents but can not upload on this page for some reason.
Consumer complaint received 2022-11-12
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. (FL)

i sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.
Consumer complaint received 2021-12-31
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. (TX)

when i was in jail someone stole my identity and opened accounts using my social i made an ftc report and an identity theft affidavit from police and showed my jail release form and they still refuse to delete it
Consumer complaint received 2021-12-31
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. (TX)

when i was in jail someone stole my identity and opened accounts using my social i made an ftc report and an identity theft affidavit from police and showed my jail release form and they still refuse to delete it
Consumer complaint received 2021-12-31
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: SYNCHRONY FINANCIAL (IN)

Decreased my credit limits from XXXX to XXXX and XXXX to XXXX without good cause then closed a accout and ran credit report without my knowledge and im not letting synchrony get away with this
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I lost my debit card at my job in the mall and someone must have picked it up and then I noticed that there was sever thousand worth of purchases over the course of XXXX XXXX that were unauthorized and I was not in the state at the time I was visiting my cousins wedding in XXXX, ( fraud happened in XXXX  ) the bank had refused to accept my dispute over 4 times now. Each time with a XXXX reason like, seller contact when I reached out to see if they could help and they used that as one way to deny it. I just want my money back.
Consumer complaint received 2021-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$950.00}
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc. (AL)

KikOff Lending LLC is a scam, when i signed up, the customer service rep provided inaccurate and false information about the type of account this was. I immediately called with complaints about the false information that was given. Now this is showing on my credit report based upon the incorrect, unknowledgeable information the rep provided that is affecting my life at the cost of me. This is unfair.
Consumer complaint received 2021-04-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (CA)

I have a CD with BMO Harris Bank. They sent me a disclosoure notice stating the date it matures, the term, account number, current balance and phone numbe to call to close it. When I called the number, first I had to go through the most ridiculous phone tree I have ever experienced to get to a live person. None of the option, in any of the branches of the phone tree, had anything to do with CDs. When I finally got to a live person ( obviously offshore ), she kept asking me to answer questions that were not on the notice of account disclosure, such as the original amount invested and the interest rate. Neither of these items were on the " notice of account disclosure. '' I gave her all other information about my self, name, address, account number, Social Security number, current balance, etc. 
She kept putting me on hold and I asked her to call me back if I got disconnected. She did not want to take my phone number but I insisted on giving it to her. Naturally, I did get disconnected and she never called me back. A customer should not have to go through this rigamarole to get their money back. Now I will start all over but I don't know if I ever will get my money back. This customer " service '' is unacceptable.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I froze my credit report however Experian, made it extremely difficult to freeze. I took several phone calls. The prompts are misleading. I created a login account however there is not an option to freeze the report. ( The other two agencies were easier to freeze the reports ).
Consumer complaint received 2021-12-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

Hello. My name is XXXX XXXX and as of 2 weeks ago my bank account was hacked because transactions starting from a deposit of {$4500.00} check was made on XX/XX/21. Since the check was altered the bank withdrew those {$4500.00} but before other transactions that were {$1000.00}, {$3000.00}, and {$400.00} were made that means that my money in the account before all of this was {$2700.00} but I did pay my credit card leaving my balance at {$2400.00}. I do not have any money in my savings and my claim was declined, the bank is making me pay back {$1000.00} and I do not have any money to pay it back, this was probably a scam where they got my information therefore I got a new phone to avoid anymore scams. The check was put to my name but the signature was not my signature.
Consumer complaint received 2021-12-31
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: ARVEST BANK GROUP, INC. (OK)

XXXX XXXX XXXX and XXXX reported my accounts to XXXX for checks being returned and causing overdrafts. It was not my fault those checks returned. They penalized me for a check someone else sent me.
Consumer complaint received 2021-12-31
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. (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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (ID)

I have been using Citi credit cards for over 8 years and maintained a great credit status, i.e., no late payment and every monthly statement paid in full. This XXXX, Citi suddenly closed all of my credit cards account without an explanation and refused to issue me the cash backs and mileage points that I earned before closure. And even worse, Citi billed me an annual fee for the AT & T card the month it closed my account and refused to refund me on that annual fee, which was pre-charged for year 2017 and when Citi failed to provide further credit card service. 
Citi failed to provide a reason on why my accounts were closed, and responded arrogantly when inquired, twice. Citi failed to realize the fact their customer service encouraged me making more utilization of Citi cards over other credit cards like XXXX or XXXX ( before closure ) is the reason I shifted my major spending to Citi cards. Also Citi failed to see my opportunity cost of using Citi cards against other cards and refused to issue my EARNED mileage points and cash back, i.e., I could have been using XXXX cards and accumulating XXXX membership points. 
My request from Citi is following : 1. Refund the prepaid annual fee of AT & T in full as Citi no longer be able to provide service on this card and ; 2. Issue the Thank You points and cash back that I EARNED. 
3. Explain why my accounts had been closed when I had no late payment or a statement not paid in full since the beginning of my credit history.
Consumer complaint received 2021-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mar Joe Enterprises (TN)

XX/XX/2021, I Received a phone call from a representative at CBC, LLC about a debt that was owed in the amount of {$110.00}. I immediately resolved the debt and was assured that this would be removed from my credit. This debt is still currently on my credit and harming my credit score despite numerous attempts of getting this removed.
Consumer complaint received 2021-12-31
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: BOK FINANCIAL CORP (OK)

Bank of Oklahoma and XXXX reported my accounts to XXXX for checks being returned and causing overdrafts. It was not my fault those checks returned. They penalized me for a check someone else sent me.