davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file for the second time. I was sent a letter by mail saying that my letter was submitted by someone else please investigate the issue this time. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (CO)

I sent in 3 letters regarding my credit report to each bureau. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a lot of information on my report that is just not accurate at all ( names listed, accounts, addresses ) that I've never lived at. I've called several times to dispute the wrong information being reported and I either get disconnected or no real answer. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been over 3 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. These accounts need to be updated ASAP because I am looking to make a purchase and the false information on my report is unfair and I've already explained to XXXX  and Equifax that my personal information has already been used before and that I keep getting notified that I am involved in a breach. Please help me figure this out, I'm out of options and frustrated that its been over 3 almost months now.
Consumer complaint received 2022-03-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a SunTrust Mortgage. I was placed on forbearance during Covid. 
In XX/XX/2021 I called SunTrust to ask about repayment options. I was told that FHA mortgages were flagged and that I had to wait until further notice. 

Later, I received a letter in the mail saying my debt was being refinanced and that a new 30 year mortgage was going to be processed. I had already paid 10 years of my mortgage and I am XXXX years old so with a new 30 year mortgage I would be repaying this house till I am XXXX years old. That does not work. I want a partial claim.

The partial claim was never processed, that I know of. Over the phone I was told I did not qualify for a partial claim. My loan is now in default. I call and spend hours on the phone. I need to reach client services but I always end on home preservation. I want to find out what my pay off balance and nobody has been able to provide it to me. I sent a request via fax, as instructed. Nothing. In the meantime I am billed late charges and fees. This system is designed to make you lose your house, to inflate your debt and provide zero resources to fix a problem. SunTrust does not provide an opportunity to meet with loan officer in person, calls get dropped, they ask you a million questions each time you call including your number and you never get called back when calls get dropped. It is just awful.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I received a consumer report from experian, XXXX, and XXXX and they all have reported inacurrate information on my consumer file and they are not following federal law and I as a consumer have a right to privacy and this is illegal to report transactions and also without my consent. I have never given consent to these inaccurate reportings. I have NEVER been Late and I have never missed a payment. These reporting agencies are not allowed to report any transactions history that is negative and for any purpose. I have been violated as they have caused me mental harm, stress, and loss of credit extensions as they have been furnishing my information and reporting information that they have NO RIGHT to report. 
They have assumed a role that they are part of the government and they are not. I Demand that they update the accounts to show as paid as agreed or paid. I need these agencies to update my files and the accounts that they have as late to get them corrected as I need the history
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kwikcash, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kwikcash XXXX XXXX XXXX XXXX XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I opened a checking account at 5/3 bank in XXXX Kentucky around XX/XX/XXXX. I am on SSI social security benefits and had originally been using the XXXX XXXX card that was issued by the government handling the finances for my XXXX. upon opening the account I had many questions to compare the fees that will or will not be assessed with my new checking account and all the answers were what i needed to hear. I had asked about atm fee 's and was led to believe there would be none up to a certain amount. I had noticed a few months into said accout that a transaction had taken place from a XXXX XXXX. I called the bank and it was promptly taken care of. I then noticed after an incident with my XXXX credit card payment being returned XX/XX/XXXX I made contact with the bank and was under the impression it was to be handled. I waited patiently and XX/XX/XXXX I called both the bank and XXXX  frustrated and ready for answers. I had never seen any of these mistakes on my 5/3 online statements so I was assuming the error to possibly be XXXX 's fault. upon calling them they made contact with the banking institution whom confirmed that the error was still on 5/3 behalf and i was confused. I called 5/3 again and from this point noticed a lot of things that made me more than confused. I noticed that when I opened my account I was also getting charges from a XXXX account that I have no idea of. letting 5/3 know of my new finding they have been very rude in fact they even went as far as to tell me the loss of my business would be of no regret. I have called numerous time talking to as many agents hoping to resolve this issue without having to change banks. I do not understand y I am being treated like this.the account that are manipulating my banking appears to be online fraud. 5/3 tell me that without a signed paper that I have never received they can not move into investigation. I beg the differ because they have already removed money that was tied to the XXXX issue on my account. I just want resolution. I had 5/3 back in XXXX 's as a small business owner and it was an amazing experience thus the reason I went back to them with my SSI hoping for a similar experience. This is not the case. I feel that because my account does not have the same kind of financial revenue that I am being treated less as a consumer. I can not believe otherwise. I am truely sorry that my income is fixed and my illness is the cause but I am greatly insulted that now I am below poverty level of income that the bank feels its ok to treat me at the level of poverty they feel I deserve. Please help reach out to then for resolution. I have monitored my online statements through the app and there shows nothing about the transactions in question they allowed several of my payments to be approved and then several days and weeks later they are returned as declined. I did not have these issues prior to nbanking with 5/3 they should not occur now.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Im contacting you because I ordered a XXXX XXXX XXXX on XX/XX/XXXX Order Date XXXX Order Number On this date I cancelled the order XX/XX/XXXX Cancellation Date After several months of reaching XXXX customer services I still have not received a refund of {$1500.00}. Please help me. 
I filed a dispute with Bank of america and they denied my dispute on XX/XX/XXXX
Consumer complaint received 2022-12-03
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. (MD)

I sent a letter on XX/XX/XXXX, to remove the following 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 items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. 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
Consumer complaint received 2022-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (HI)

On XX/XX/2022. I went to check my bank account amount on the Wells Fargo App to see that there were two online transfers I did not make. These online transfers went to an account that was not mine. The first transfer was {$300.00} and the second was {$1000.00}. I instantly called Wells Fargo Fraud Department. to submit a fraudulent claim. They told me it would take 10 days of the investigation until I receive a reimbursement. After 10 days and still no reimbursement, I called Wells Fargo Fraud Department again. They told me they were sorry that my claim was submitted to the wrong department. They then told me they filed a new claim to the right department. The claim number is XXXX. They closed my savings account that which the money was taken from. They told me it would be another ten days of investigation. After ten days again, I still had no reimbursement for fraud on my Wells Fargo bank account.

I called again. They told me they tracked the two transactions to Illinois. Not only have I never been to Illinois, but I know no one who lives in Illinois. They told me that someone requested a new debit card to Illinois under my name and it was mailed there. I never did that. My address with Wells Fargo is a Hawaii address where I am living. I have had the only debit card I use with me this whole time in Hawaii. I also do not understand why I was not informed anywhere that a new debit card was being mailed to Illinois under my name. Or, how Wells Fargo approved a debit card to be sent to a new address that was not on file under my name. I explained to them all of this and how I have never been to Illinois and no one who lives there. They told me the investigation was still going on despite the fact that it was obviously fraudulent. 

A few days later I called again and they told me the claim has been denied. They would not tell me why. I have been calling ever since. They transfer me all the time. Many representatives tell me it is truly fraudulent. They never gave me a reason why my obvious fraudulent claim was denied. They told me they would reopen my claim and re-evaluate it. I have talked to numerous Wells Fargo representatives. I even had one apologize for all the inconvenience and promised me my funds would return in 48 hours. That did not happen. When I called today, XX/XX/2022, all they could tell me was that they were going to reevaluate the claim again. It has been passed a month since when my money was stolen and Wells Fargo has not only not reimbursed me, but has been treating me nothing but horribly. I am ready to involve others.
Consumer complaint received 2022-07-06
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$370.00}, XXXX XXXX XXXX XX/XX/XXXX {$790.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX {$340.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX230.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX  ACCT {$340.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXk XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Members First XX/XX/XXXX, Ive reached out countless times to the bureaus, emails, calls, calling and speaking with XXXX different people and still no results.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (MI)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Improved Data Services LLC (DE)

IDS ( Improved Data Services ) contacted me via telephone. When I called them back they reported that they have attempted to contact me via mail to an address that I haven't lived at for three years. I don't know if the debt is accurate because they have the wrong information.
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX** 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.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I noticed a few inquiries on my credit report that are not authorized And also one account is being reported as late but I was never late if I pays on time in XXXX how was I 30 days late in XXXX but on time in XXXX
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I noticed a few inquiries on my credit report that are not authorized And also one account is being reported as late but I was never late if I pays on time in XXXX how was I 30 days late in XXXX but on time in XXXX
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (MI)

We have both an original & second mortgage with XXXX XXXX. Originally started XX/XX/XXXX for $ XXXX. The 2nd mortgage was placed XX/XX/XXXX bringing total to $ XXXX. It appears that the 2nd was sold several times by XXXX although we see no documents supporting this, and they may indeed still own the mortgage. We see up to 4 different collecting agencies throughout, the most recent of which appears to be BSI Financial Services. We were on a payment plan with principal only starting about XX/XX/XXXX ; the 2nd mortgage balance was {$42000.00}. The payments made has reduced the principal to {$41000.00}. On or about 8-10 months ago they demanded payment in full, which I told them I couldn't pay. They then added unknown charges, some of which we think is unpaid interest, My current balance is {$41000.00} for the principal, plus interest and " Total Fees and Other Charges '' of {$32000.00} but they are saying I owe a total of {$73000.00}. We have asked for disclosure of these {$32000.00} charges but have not received any information. Additionally, we think the 2nd mortgage may have been included in a payoff under the bank bailout programs XX/XX/XXXX-XX/XX/XXXX. We believe these new collecting agencies are double dipping on the 2nd mortgage.
Consumer complaint received 2022-12-03
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right of privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right of privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account have been paid in full for over 60 days now and my credit file is not reflecting this change. I have reach out to the bank and I was told by an agent that they have report to the credit bureaus that the account have been paid in full.