davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (SD)

On XX/XX/XXXXXXXX, BB & T and SunTrust announced that they would be merging ( see attachment XXXX ). Around XXXX of XXXX  Truist effected that merger by combining its BB & T website and Suntrust website into a single Truist website. Almost immediately, Truist customers had difficulties logging into their accounts ( see attachments 2 and 3 ). 

That's where I come in. I don't use my Truist credit card much anymore, so I was unaware that an old subscription ( some Mac-cleaning software ) charged my credit card for a yearly subscription. Because of the technological problems, I could not log in to my account and was unaware of the charge. I received no emails to any active email, and no letters. I did receive a call from BB & T, but the line immediately went dead after answering it. I called Truist to investigate, but was placed on hold for hours and was repeatedly hung up on. See attachment 4 for proof of the one ( of many ) times I called, only to be out on hold for hours. I was diligent in trying to resolve the issue, but Truist 's malfunctioning software and poor customer service made checking my statements impossible. 

Fast forward to XX/XX/XXXX. I receive notice from a credit reporting agency that my credit score has dropped roughly 70 points due to a payment that is 30 days overdue. I again attempted to contact Truist, again to no avail. After several hours with more tech-savvy friends, I was able to access my account ( via app -- the website still would not let me in ). I paid off the account, and contacted Truist to see if they would correct the issue with the credit reporting agency. After over 3 hours on hold, and several dropped calls, I was informed that they would not. 

The harm to my credit score has caused me injury in fact. I plan to buy a home this year, and Truist 's negligence may be the proximate cause of me being denied for a mortgage or paying a higher interest rate. I plan to pursue this matter in the courts once damages accrue, assuming that Truist does not remedy it. 

I was diligent in contacting Truist, but was unable to perform the simplest of tasks because of their oversights in the merger. My spotless history of payments, over 8+ years, is now ruined. I hope potential customers read this and know to avoid Truist until they ( 1 ) fix their software and ( 2 ) remedy the harms to credit to loyal customers like myself.
Consumer complaint received 2022-02-03
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. (FL)

I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2021-11-24
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please resolve this issue ASAP
Consumer complaint received 2022-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I totaled my brand new XXXX XXXX in XXXX of XXXX. I notified the bank CAPTAL ONE AUTO FINANCE '' and the Gap insurance. I was going thro ugh a divorce and my ex had dropp
ed my car off the auto insurance without notifying me. My policy was set to start the day after the accident. The auto shop and the Gap insurance company all notified the bank that the vehicle was totaled and they refuse to acknowledge the fact of the car being totaled because they did not hear from an auto insurance company. They received multiple payments from the Gap insurance company and still have it listed as a charge back/ repo and I have disputed it over and over for 2 years now and this is preventing me from being able to get another auto-loan without having to put XXXX or more down. Also they are going after my co-signer, and myself AFTER receiving those multiple gap payments.
Consumer complaint received 2021-11-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc. (TX)

To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of Avant and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with Avant began in XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with Avant. However, in XXXX I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their attempts to collect a debt of {$980.00} allegedly owed to XXXX XXXX. XXXX XXXX XXXX has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX XXXX XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. 

The actions of XXXX XXXX XXXX are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute, filed on XX/XX/XXXX, is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. 

I hereby request that XXXX XXXX XXXX verify the validity of the debt owed to XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from XXXX XXXX XXXX as of the date of this complaint, XX/XX/XXXX. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2022-10-02
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. (CA)

I've filed disputes with the Credit Reporting Agencies regarding the only collection on my consumer report account XXXX XXXX original creditor is XXXX XXXX. I requested the collection be investigated because the information is being reported grossly different. Experian reports that I've never made a payment on time while XXXX reports I've never missed one payment, and XXXX does not report at all. Under the FCRA all information on my consumer report is suppose to be 100 % accurate, complete and verifiable. So what I don't understand is how a thorough investigation was done when you can clearly see the inaccuracies on my consumer report. I am requesting that the account be deleted due to the inaccuracies. The burden of proof is on them not on me. 

Account XXXX XXXX original creditor XXXX XXXX Please delete account.
Consumer complaint received 2022-02-03
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: WELLS FARGO & COMPANY (FL)

Well Fargo continues to claim that they've thoroughly reviewed this matter, but in reality all they've done to date is keep reiterating without merit that this matter has been previously addressed. They state this claim without actually seriously looking into my then financial situation without any legitimacy and emphasis on assisting the financial hardship I had to endure as a direct result of their toxic and destructive loans. The loan in question, a PICK-A-PAYMENT loan, has been found to be one of the most self-destructive Mortgage loans ever developed by any U.S based mortgage lender . Wells Fargo had to dole out millions in restitution via a " settlement '' and was supposed to assign a specialist to help modify said loans into restructured loans that would help save ones primary residency. Wells Fargo once again duped the courts by concocting modification approval formulas and mythology that favored their agenda and interests. I know this as a matter of fact due to my financial troubles that this very loan has subjected me to personally. To merely take principle, interest and penalties owed, slap it all on the back of the loan, keep the very same terms and conditions in place that caused the ruin to begin with and call it a " Modification '' is nothing less than insulting and deceptive. I will not go away and I will not stop fighting until Wells Fargo makes fair and equitable compensation for my loss. 

It is of known fact that Wells Fargos software algorithm resulted in Wells Fargo " mistakenly '' foreclosing on hundreds of homes over an eight year period ( XXXX XXXX XXXX XXXX ). During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). These modification decision outcomes were critical and paramount in maintaining home ownership of the property known as XXXX XXXX place, XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive Pick-A-payment loan that myself along with millions of other predatory lending victims were subjected to, ( XXXX XXXX XXXX/XXXXXXXX  ) the cost impact to such a toxic loan to this day keeps on eating away at its victims financial means in so many devastating ways.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Because I had previously disputed XXXX XXXX XXXX, the credit report agencies wouldn't allow me to do another dispute. I called XXXX XXXX and inquired why wasn't my payments been report to the credit agencies since XX/XX/2022 and I was advise by the mortgage company they have been reporting to the credit report agencies as last as XX/XX/2022, which my credit report do not show the updates. 

I'm unable to apply for a new mortgage until this information is updated on my credit report to show I have been making timely payments for a least a year. 

Information should be updated timely on the credit report when it reported, if it was negative information it would be report timely.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I contacted USAA credit card department on XX/XX/22 in regards to my XXXX with them. The card is now at a XXXX  % interest and it is becoming harder and harder for me to pay this bill, specially when more than half of the payment, is going towards this interest. I explained to a representative my situation and that I needed to place this card under hardship, even if it meant closing/freezing the account, as long as I can get out of debt more realistically. The representative put me in a XXXX minute hold and later came back stating that unfortunately they did not lower interests for accounts. I asked XXXX more time that I understand but that based on my situation I understand if the account will potentially be closed, USAA closed my checking account with them already after more than XXXX years of membership, so my only priority was to get out of the card debt sanely, and that I was not expecting to keep the account open for the payment arrangement so I would not be using it. She once again put me on a XXXX minute hold and came back stating that she was sorry but that the option I was requesting was not offered by USSA.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

CitiBank responded with no valid information that proves they are the original creditor. Any competent individual will be able to understand exactly the type of informationa and documentation I am requesting. I feel as though this response was put together to discourage me from exercising my rights. I have attached their response and my response to their email can be found below ; " Hello, I have received your response and thank you for responding in a timely manner. However, I need the name of the individual who prepared this response. I will also inform you that I am of age majority and competent. I understand the laws I am reading and exercising my rights to remain in honor. Unless this response was drafted by a artificial person, Im sure you ( Agent and principal ) and I ( competent consumer ) knows that this response does not at all fulfill my request. This is my final notice to cure. I will be escalating this issue with the XXXX, XXXX and XXXX, I will also file a complaint with my attorney general. Please refer back to my complaint and respond accordingly. Furthermore, I requested specific information and gave specific instructions. This notice constitutes as silence, as it did not address the root of my complaint. ''
Consumer complaint received 2022-10-02
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. (CA)

the account that XXXXXXXX XXXX is reporting has been charged off therefore it should not have a balance it should not have a credit limit and it should not have a late payment ... also the dates on last day active are different, for transunion its XX/XX/2021 for XXXX it's XX/XX/2021 and for XXXX XX/XX/2021 in conclusin the reporting of XXXX XXXX XXXX account XXXX it's totally inaccurate you have to delete this immediately there's no way this should be in my credit report!!
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I opened a checking account with the fifth third bank using an offer code that was sent via mail. After I met the terms and conditions I called the bank because I did not see any credit mentioned in the offer. The bank mentioned that they are unable to see the offer in their system so unable to honor the offer. I gave them the offer code that was sent to me and they confirmed it is a valid offer code but still can not honor it because it is not applied in the system. 

They know that I used the link provided to me on the offer but I am not sure why the offer code is not reflected in the backend. 

I am extremely disappointed because I opened the account based on the offer that was sent via mail.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (WI)

Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their attempts to collect a debt of {$1000.00} allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. 

The actions of XXXX XXXX XXXX are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. 

I hereby request that XXXX XXXX XXXX verify the validity of the debt owed to XXXX XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from XXXX XXXX XXXX as of the date of this complaint, XX/XX/XXXX. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (PA)

I have sent several verification letter via to Equifax. They never responded. I filed a previous CFPB complaint XXXX. They opened a investigation and shortly closed it with verify the account. In the CFPB I asked for Validation of Debt and HIPPA Authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until debt has been validated by me. None of that was provided. Withholding the information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because they will be deceiving me after my written request. They are violating my FCRA rights! 

Account in dispute listed below : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

On XX/XX/2021 a hard inquiry was posted to my XXXX credit report from CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I have contacted both merchants with whom I have accounts with issued by CBNA and they have confirmed this was not initiated by them. I have contacted XXXX who will not investigate it or provide any other details about the inquiry. They require a police report or a completed complaint form from the FTC. I originally went to the FTC website https : //www.identitytheft.gov/ but was redirected here. 

I am at a loss to understand why CBNA would do a hard inquiry when both accounts have been open for years. Please contact me so I can get his resolved.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (GA)

Greetings, My name is XXXX XXXX. I have XXXX accounts at Regions Bank, that I would like to discuss with you. The XXXX accounts end in XXXX ( joint account ) and XXXX ( solo account ). 

At the very beginning of XXXX I initiated a transfer of {$420.00} from account XXXX to XXXX account. 

Issue : After discovering an issue yesterday XX/XX/23 ( XXXX weeks later ) I discovered the following ( please note this discovery came yesterday when the account ending in XXXX went negative )... 
1. When I initiated the transfer it was taken out of my account ending in XXXX. 
2. A few days later it was put back into my account ending in XXXX ( as a returned check item ). 
3. The transfer of {$420.00} was successfully put into the other account ending in XXXX in early XXXX. 
4. XXXX weeks later ( yesterday ) the amount of {$420.00} was debited from my account ending in XXXX therefore causing the account to be in a negative balance. 

My concerns : 1. Why did Regions take the money and give it back to me with the account number XXXX in early XXXX? The transaction essentially canceled out. 
2. Why did Regions bank wait XXXX weeks to rectify this with account XXXX? 
XXXX. Why would account XXXX be the XXXX debited and not account XXXX? 

My request : 1. For the {$420.00} to be forgiven from the bank. I am requesting for my account ending in XXXX to be bought back to a current/positive status. 

My reasoning : 1. This appears to be a bank error. It appears to be a late act of the bank and an unnecessary confusion of accounts. As a bank customer I have entrusted my financial transactions with Regions bank. Handeling many transactions in a day let alone weeks later is very concerning. 
2. The bank has had a breach of a duty of care for my accounts. It appears to be a breach of its contractual obligations to me as a customer. 
XXXX. This has bought harm to my assets. 

I would greatly appreciate any expeditious handeling of this situation. 

Note : If this message needs to be sent to someone else at your institution or company please forward to them. I would like to have this handled as soon as possible. 

I can be reached all day today via email or telephone regarding this situation. My telephone number is XXXX. Have a positive and productive day. 

P.S. Please see the attached document. It includes XXXX screen shots that I have gathered for your review regarding the XXXX accounts. 

Kind Regards, XXXX XXXX
Consumer complaint received 2021-11-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To who it may concern, I had to ask for the CFPBs assistance for I am worried that my letter is being ignored since I have not received any response from your company. I was requesting for some negative items to be verified and be deleted but from XX/XX/2021 until this date, it's been over a month but I never received any letter or notification from your company.