davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (NC)

Over the last year I have received multiple banks fees in error. I have no explanation for some, and others are the the result of Truist/Suntrust double charging my checking account for my monthly mortgage payment. I have been told that the bank will not reverse my fees because they have already " waived fees '' for me in the past. These " waived fees '' have been error corrections that I have spent hours trying to resolve, and when the bank finally admits that the error is their fault they promise that this will not happen again/the issue is solved. For the last 3 months since Suntrust/Truist have merged their banking platforms, I have had two withdraws from my account per month for the same mortgage payment. These withdrawals have led to overdrafts in my checking account for which the bank charges me. The bank has said they solved the issue twice now, but at the beginning of XXXX it happened for a 3rd straight month. I have now requested that all payments be stopped and the double payments be returned to my checking account so that my account is paid current, and not more. Upon returning this money to my account, I was charged ADDITIONAL FEES that were not discussed with me.

I have spent over 12 hours on the phone in the last two months trying to sort out these issues. I have been dropped from 3 calls after waiting over an hour to speak with a representative. Suntrust/Truist will not offer any alternatives other than calling the same phone number that has repeatedly dropped my calls after hours of wait time and given me false promises that my issues are resolved. I currently have had almost {$200.00} in fees that are all no fault of my own, and I can not get ahold of a representative that can remove these and close my account. The mortgage department and banking departments take no accountability for their actions or communications with one another, and instead just push blame to the other department for me to handle myself while charging my fees along the way.

I feel bad for all of the customers that have gone through similar issues. I feel even worse for the unknowing customers that Suntrust/Truist is practicing their predatory banking practices on to profit via fees from unassuming families that do not have hours in their week to dispute in hopes that their livelihood be rightfully returned. In this day and age, this bank needs to make ALL of the processes more accessible, including their fee dispute process.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

DearSir/Madam, I did a mortgage modification with the XXXX XXXX at XXXX and started making my regular payments every month on time. On XX/XX/XXXX when I went to the XXXX XXXX to make mortgage payment for that month I was told that my mortgage was took over by The Select Portfolio Servicing and I needed to make the payments to them starting that month, XX/XX/XXXX. I called the Select Portfolio Servicing phone number that was provided to me by the XXXX XXXX so I could make the arrange payments. After I spoke to a Select Portfolio Servicing agent who stated that they were told that I didn't pay my last 3 months payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  After that false accusation I thought it was a mistake on their end and I spoke with one of their supervisor, who stated the same accusation and told me he would close the case if I could fax him the XXXX XXXX statements which they should have already received them from the XXXX XXXX   when they took over my mortgage. Not only the statements but I also sent them the copies of the payments slips including those months they accused of me not paying. Each time after I faxed those documents to the Select Portfolio Servicing, inc. with the confirmation for the fax, they kept denying and telling me they didn't receive it. after the modification I always made my payments on time to the XXXX XXXX and to the Select Portfolio Servicing after they took over my mortgage on XX/XX/XXXX. Each time I called to Select Portfolio Servicing for the payments over the phone using my checking information, I was always subject of their allegations and harassment, not only that also getting harassing phone calls numerous times every day for years, receiving letters of their false accusations with threaten me to lose my house, messing up my credit with their default claims since the XX/XX/XXXX, for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments I already paid on time and faxed them the copies of the payments slips and the former mortgage company ( XXXX XXXX ) statements. I got so tired and frustrated of this false allegations and started doing 3 months auto payments in one time so I didn't have to deal with their lies every month. When I called them again to make 3 months payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, on XX/XX/XXXX at XXXX eastern time, I spoke to their agent XXXX XXXX XXXX who stated that she can't process my next 3 months payments because my house is on foreclosure and handling by the attorney named XXXX XXXX with the phone number XXXX XXXX XXXX. as a results of the intentional wrongdoings of Select Portfolio Servicing for almost last 5 years I am at the edge of loosing my house, my health and damaged my credit severely. I am respectfully asking you to bring the justice to this case and taking necessary punitive actions for this company. Sincerely yours, XXXX XXXX
Consumer complaint received 2022-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (TN)

XXXX was being sued about predatory practices on my student loan, and they snuck it away to Aidvantage to avoid it being discharged DESPITE THE FACT MY LOAN WAS TO BE DISCHARGED DUE TO THE SETTLEMENT. I need this loan officially discharged and my credit report fixed because I just lost 100 points and am starting to get calls for Aidvantage likely demanding payment. 

I was scammed out of my money and am not paying for ANYTHING pertaining to this student loan, XXXX is guilty and by extention of this my loans are null and void, and any attempt to transfer this loan to another servicer needs to be viewed as contempt of court.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FactorTrust, Inc. (MS)

I received a copy of my consumer credit report from Factor Trust Inc. on XX/XX/XXXX, Report # XXXX. The credit report was extremely extensive and contained multiple inaccuracies and outdated personal data. 
I mailed a formal dispute on XX/XX/XXXX to Factor Trust Inc and waited for results. 
After no response, I mailed another dispute on XX/XX/XXXX, XXXXthis time certified mail. ( Dispute dated XX/XX/XXXX ). 
Again, no response. 
Next, I mailed a failure to respond to my dispute on XX/XX/XXXX via certified mail ; referencing the dispute of XX/XX/XXXX because I have proof of receipt on file. 
I receive a response days ago, dated XX/XX/XXXX stating they received my dispute ( by now I've sent 3 with no results ) ; however, I must first obtain a copy of my report before I can file a dispute. 
Hmmm. How would I be able to mail such a thorough dispute, if I did not have a consumer report from Factor Trust?
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

My CITi Bank checking and savings account, was subjected to fraudulent activity, by someone gaining access to my account, transferring all the money out through XXXX, and creating an unauthorized loan account, which was also drained. I contacted Citi Bank fraud department immediately, they opened an investigation. Over a week passed, and now I have been informed that Citi Bank will not be refunding me the money, as they say it was my fault. Additional checking accounts were also creased by the fraudsters. CITi Bank has not fixed my account, refunded the stolen money, and has not removed the unauthorized loan account. CITi Bank does not seem to care or take responsibility for my money.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT.
Consumer complaint received 2018-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. Experian and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-03-05
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. (GA)

I would like to note that XXXX XXXX has been harassing me within the last month. They have been excessively reporting derogatory information to the credit bureaus. 

Most companies have a reporting schedule in which they report monthly, but XXXX has reported 4 times to the credit bureaus between XX/XX/2022 and XX/XX/2022. This is less than a month 's period. I have attached proof. 

Attached is the record of times that XXXX has reported negative information to my credit bureau. This violates Fair Credit Reporting Act and this is a bullying tactic, in addition to the other tactics they use, to extort money out of citizens. 

XXXX has reported to my credit on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Please see the attached. 

Thank you. 
XXXX XXXX
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WY)

Im having trouble logging into the online account for an XXXX store card ( Synchrony Bank ). They locked me out because I cant access my old phone for SMS verification and they dont want to accept my new phone number. Thus I have no way to pay my bill.
Consumer complaint received 2022-06-19
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. (NC)

In accordance to the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX Account XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX violated my rights XXXXXXXX XXXX XXXX XXXX violated my rights XXXX XXXX XXXX XXXX violated rights XXXX XXXX Violated rights XXXX XXXXOriginal creditor : XXXX XXXX XXXX  XXXX rights violated XXXX Hard Inquiry violated rights XXXX XXXX XXXX XXXX Credit Card Acct XXXX XXXXvioated my rights XXXXXXXX XXXXXXXX Violated rights XXXX rights violated XXXX XXXX -- Rights violated 15 U.S.C. 1681 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency ( s ) can not furnish an account without my written instructions
Consumer complaint received 2022-06-19
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. (NC)

In accordance to the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
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  -- Rights violated 15 U.S.C. 1681 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency ( s ) can not furnish an account without my written instructions
Consumer complaint received 2022-03-05
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. (MI)

i am the consumer by law sending this, no error. my information was misused and a account that shouldn't be on my report remains still making it not 100 % accurate. ( XXXX XXXXXXXX )
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

On XX/XX/2020 I discoverd XXXX XXXX, BBY/CBNA AND DSNB MACYS report as a negative balance on my credit report. I have never owned, applied or possessed any of these cards.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On my Bank of America EDD debit card, there where two fraudulent withdrawals on XX/XX/XXXX from an ATM for {$420.00} and XX/XX/XXXX for {$980.00} from and atm as well. On XX/XX/XXXX I made contact with b of a regarding the fraud, after getting a automatically generated letter disregarding my claim, I made contact on XXXX once again with Bank of America to re open my claim. The bank claimed they would send a letter regarding what is happening and reimburse me. It is now XX/XX/XXXX and no more correspondence currently.
Consumer complaint received 2018-05-17
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 have a collection account being reported on my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding The Fair Credit Reporting Act.
Consumer complaint received 2022-06-19
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: SCA Collections, Inc. (TN)

( XXXX ) balances : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. 
15 medical bills in total and I can only account for two times iv been to the XXXX. Also they have the name spelled as XXXX XXXX and XXXX XXXX in over half of these medical bills not to mention there addresses listed that iv never lived at. To my knowledge hospitals or places of that sort are not supposed to report anything under the hepa law. These are all listed on my credit score and iv tried contacting these places to tell them it wasn't me and I get no help iv also tried filing disputes through experience with no resolve. 
( XXXXXXXX XXXX ) dates and balances : XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. 
These are also medical balances with the same issue.. this isn't me and without being able to prove that how are you reporting it on my credit history not to mention they shouldn't even be reporting medical history to any agencies of this sort without some kinda permission from said person due to things like this
Consumer complaint received 2022-03-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (TN)

I am writing about my earnest money and my loan was denied because my husband was going to be working 40 hrs. My work for XXXX XXXX and he does get paid for holiday pay. The underwritten denied the loan. and I was told that I get my appraisal money and my earnest money. When XXXX XXXX call she told me that I was not going get, my money back because of something about 21 days but I was told about 21 days. In my Earnest money contact there no clause in there saying anything about 21days. I have stay in a XXXX XXXX XXXX waiting on this get this loan approval they change the day from XX/XX/XXXX to XXXX XXXX and they it change again until XX/XX/XXXX. On the other hand this email I got from XXXX XXXX and XXXX, Good afternoon, the underwriter cant move forward with the loan for this purchase at this time due to the variable and non stable income for XXXX. We are lacking full time income and with having the summer off from his employment the underwriter has deemed it variable and non stable income and debt to income ratio is too high. 



You can get with XXXX to retrieve the earnest money deposit due to the financing contingency in the contract. I will notify the Appraisal Management Company ( XXXX XXXX ) to return funds for the appraisal fee, this can take up to 7-10 days depending on the credit card company. 



Thanks, XXXX XXXXXXXX. 
XXXX XXXX  | Mortgage Loan Specialist | Individual NMLS # XXXX TN # XXXX GA # XXXX CMG Mortgage Inc. | Corporate NMLS XXXX | XXXX XXXX XXXX | XXXX, TN XXXX
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXXmy husband tried to get a credit increase -- I did not authorize him to do as such and do NOT desire an increase. So please do not do a soft or hard credit check as I do not desire the increase and it was not authorized by me.
Consumer complaint received 2020-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

I checked my credit report and saw I have a collections account from Credit Control Corporation. I sent this agency a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative.
Consumer complaint received 2022-03-05
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: NAVY FEDERAL CREDIT UNION (FL)

At this time, This company has not provided any factual proof or validation pertaining to my factual consumer complaints. not only that but has been reporting inaccurate information ALL WITHOUT MY CONSENT. They have not provided the correct title instead has fraudulently obtained by creating 2 attaching my name to a false debt.. At this time NFCU has an open court case with the CEO. In response to the credit reporting it must cease and desist. They are reporting an address they had no consent to report and is wrong, They did NOT HAVE PERMISSIBLE PURPOSE and NO VALIDATION FOR THAT FACT ALONE. Overall it is a question of why TWO CA TITLES were made. All contracts on my end have been canceled and rescinded and by certified mail, fax, and thought the e portal. It is clear of the fraud and deceptive practices this company continues to injury my life with. A federal claim is pending. The CA TITLE this company is trying to attach a debt to is not for the correct title. They tried to cover their fraud.
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: International Computer Systems, Inc. (MO)

I have a collection of {$640.00} that is a duplicate on my credit report across XXXX and XXXX with two seperate collection agencies and I would like to have the duplicate deleted so I know which one to pay. The collection agencies First Collection Service on XXXX and XXXX  with XXXX are both claiming the debt owed to XXXX XXXX XXXX.
Consumer complaint received 2018-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC (OH)

I have recently checked my credit report over the last few months after years of never trying to get credit nor looking at my credit report. I was awarded XXXX in XXXX and they back dated it as XXXX as of XX/XX/XXXX and I was covered under Medicare ( Primary ) and Medicaid ( Secondary ) as my Health Insurance. I have 2 separate Collections from Healthcare Collections, XXXX, AZ both which are approximately 6 yrs. old. I have never received any communication neither by phone or letter. I called them XXXX, XXXX and after being put on hold trying to even locate these accounts, I was told that this is was reported to them by XXXX XXXX XXXX . During the conversation I was never asked for an address or phone number to provide me with information on the accounts that are on my trade line on my credit report. 
1st collections account says opened XX/XX/XXXX for the amount of {$240.00}. 
2nd collections account says opened XX/XX/XXXX.