davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (CT)

Prior CFPB complaint marked as duplicate to avoid addressing error in funds availability of a mobile check deposit, the amount of {$4200.00} made on or around XX/XX/2018 to Suntrust checking, now Truist Bank. For whatever reason, Truist Bank did not provide prior reply to CFPB, claims to have sent it directly to me, to avoid the CFPB and posting it on portal .... The CFPB might want to investigate this behavior. It appears Suntrust rep ( s ) made an error in releasing full funds from mobile deposit made on XX/XX/2018, funds were made available on XX/XX/2018, did not verify availability with XXXX XXXX prior. The check had a stop payment placed on it, unknown to me at the time. The account later became overdrawn as a result, the amount of which is unavailable to me at this time, account was sent to several collection agencies, sent back to Suntrust. Most recently, XXXX XXXX XXXX attempted to collect on debt, referred account again back to Truist Bank. As stated before, Suntrust reps made an error in releasing funds, did not verify prior, now attempting to collect funds from myself. This appears to be their own error, I refuse to pay for. Also, XXXX XXXX has not reimbursed me to date for funds owed, the amount of {$4200.00}.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I was unable to get phone support with Experian and XXXX and I was told there is fraud issues and I need to submit everything in writing which I dont have time for and I would like to gain access to phone support and Im also unable to dispute anything online Im getting a error message from Experian and I need to have this fix thank you
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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IL)

Unauthorized Inquiries, reported to my credit report, XXXX and XXXX. 

Inquiries : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX JPMCB Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (CA)

So today XX/XX/XXXX receivables performance put a collection on my credit report saying the original creditor is XXXX XXXX which when looked up its a collection agency for a XXXX car I never had a XXXX car I have one car which I paid through XXXX XXXXXXXX I disputed with XXXX but how can this company put anything on my name and not send anything thru the mail stating I owe them or I can dispute because I dont have or never had a XXXX car
Consumer complaint received 2019-08-06
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. (CO)

XXXX ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$0.00} on the MILE HIGH AMBULANCE partial account number XXXX. ( Please see page 14 of the attached credit report. ) This account should never have gone to collections. XXXX XXXX XXXX was sending the bills to an address that was over ( 4 ) years old so I was not aware that this account was ever in collections. I contacted XXXX XXXX XXXX and paid this. The insurance company was never billed for this service. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2021-07-10
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. (NC)

I as of late sent dispute letters to TransUnion, XXXX, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm recording this grumbling against them is that Government Law expects them to react within 30 days yet they have neglected to react. prior to agreeing with these Government Guidelines by credit revealing offices are explored by the Federal Trade Commission.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

When i began my forbearance period with Santander Bank, I was told that my payments would be frozen and they would be added to the end of the loan. I was a bit skeptical, but was on the phone with the bank as well as the XXXX XXXX ( XXXX XXXX : XXXX ) and i received confirmation that the loan would be frozen and any missed payments would be added to the end of the loan. Now, my forbearance period had ended. In speaking with XXXX XXXX in executive relations for Santander Bank, she did confirm that my loan was paused/frozen, but i am still responsible to pay all of the interest that accumulated during the forbearance period. the only options presented were to either pay one lump sum now, including all of the interest that accumulated during forbearance. Pay it at the end of the loan in one lump sum or have all of the missed payments including the interest spread across a new 40 year loan. Hence, i will be paying interest on interest on a new 40 year loan. I asked about the option to add the missed payments to the end of the loan and extend out by that amount and i was told that it is no longer an option and i could refinance the balloon payment once i pay off my mortgage. I asked why am I responsible for all of this interest during my forbearance period if my loan was frozen or placed on pause. XXXX went around the answer and just told me that i would have owed that interest regardless if i had been making my payments. I feel that Santander took advantage of my situation and is now going back on the agreement to make more money off of my situation. I have offered to bring the loan current with some money my parents are lending me if they can remove the interest that should not have been accumulating during the forbearance period. i have been told no. I feel they took full blown advantage knowing that i was in bad situation and lied to me and now do not want to take responsibility for the information that was conveyed to me. Santander should make this right and remove the interest on the loan as it should have been frozen. Ideally, when i came off of forbearance, i should have only been responsible for the escrow that accumulated during that time and when i restarted payment, it should have been at the same amount when i went into the forbearance.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2021 i noticed there was charge of {$3200.00} from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I discovered the charge on XX/XX/2021 and l contacted my bank immediately telling them l do not know that company and l have never done any business with them. My card was blocked and a new one was issued, I disputed the transaction and bank of America which is my bank denied my claim. 

I XXXX the name of the merchant and l called them to let them know about their charges to my account, I was told their client made payment in their store by calling me to give them the card details, I told them that was a lie as l didn't speak with anyone in their company niether did l give anyone my card details over the phone. 

I need my money back because l didn't authorized that transaction and l have never done any business with the merchant and don't have anything to do with them.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

Re : Synchrony Bank, I overpaid on the account and I am due a refund that is CLOSE TO {$2000.00}! I spoke with a supervisor three weeks ago to request a refund and it was NEVER PROCESSED! I tried a chat option today and was advised that I could have a check sent in two weeks. I would like to have the refund direct deposited into a bank account that I provide for them. I do not want a paper check sent regular mail! I need to speak with a bank supervisor and have some guarantee. They will allow me to pay my bill with my check account, so why can't they also send me a refund that way? 

Second problem : my overpayment was obviously a clerical issue, so why was I not contact immediately?
Consumer complaint received 2021-12-14
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 — Their investigation did not fix an error on your report
Company: FCC Finance, LLC (GA)

XXXX XXXX XX/XX/XXXX Last XXXX XXXX FCCFINANCE {$8200.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account This account has XXXX late payments because it is fraudulent thats why payment is not being made but yet it stills reports FCC FINANCE continues to report an open fraudulent account. They continue to report late payments, which is affecting my credit worthiness and my ability to get a home. XXXX XXXX and FCC Finance continue to report incorrect information to my credit report. I will be filing a consumer lawsuit against XXXX XXXX XXXX, XXXX XXXX and XXXX for their negligence and total disrespect to my claim. Ive disputed this account over 6 times and yet it still reports on my credit. Ive sent in verifying documents such as, police report, sign affidavit, dispute letters, even called XXXX and spoke to the special handling department and was told my social security number and personal information did not match and my XXXX account was going into maintenance to correct errors that XXXX has reported. 

I spoke with XXXX XXXX XXXX XXXX XXXX of FCC who ensured me that the fraudulent account would be removed immediately from there system due to fraud but yet it still continues to report. If this account is not removed with in 24 hours. I will be filing a lawsuit against FCC Finance LCC and XXXX. For violating my consumer laws and violating the FCRA. I also believe that FCC Financial has violated the ( The federal Fair Debt Collection Practices Act ( FDCPA ) after countless times of me letting them know that the debt was not mines. They still called and harassed me concerning the account. 

Under the FDCPA, lawsuits alleging violations of the FDCPA must be brought " within one year from the date on which the violation occurs. '' ( 15 U.S.C. 1692k ( d ) ). In the case of Rotkiske v. Klemm, 589 U.S. ___ ( 2019 ), the U.S. Supreme Court clarified that the one-year statute of limitations for an FDCPA violation begins to run when the alleged violation occurs, not when the offense is discovered, absent the application of an equitable doctrine. 

Ive also contacted the FTC with FDCPA concerns. 

Ive also contacted the states attorney general concern this matter. And plan on pursuing full legal action on XX/XX/XXXX FCCFINANCE {$8200.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account FCC FINANCE , LLC XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (OH)

I have 2 student loans with Great Lakes which are both on an Income Based Repayment Plan. I have made every payment on these loans and have not missed a payment since my payment plans began. I pay {$280.00} per month on these loans. On my large loan my balance in XX/XX/XXXX was {$56000.00}. In XX/XX/XXXX my balance is {$56000.00}. After making payments totaling {$3300.00} for a full year my balance has decreased by a total of {$80.00}!!! Offering this type of plan with such a high interest rate is a deceptive and unfair practice and should be a CRIME! My student loans have more than doubled due to interest alone since I graduated ( while making payments ) and practices like this by Great Lakes and/or the Federal Government are making it nearly impossible to payback student loans. These loans were originated by the federal government. The federal government should not be in business of profiting on student loans and should not allow businesses such as Great Lakes to profit by offering such a lopsided payment plan. These loans should be able to be paid back with minimal interest at 1-2 %. Charging 6.8 % interest on this loan is just flat out wrong!
Consumer complaint received 2021-12-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

VIOLATIONS OF THE FDCPA -- -FTC XXXX -- -- -RE : XXXX XXXX XXXX  Received report that the company certified the accuracy of an account that's not mine and I also certified that the account was not mine. I included and affidavit and well as my FTC report. Experian did not send me what they validated as accurate. Because if I certified it was incorrect and they claimed the company also certified it was accurate what method was used to do so because I did NEVER VALIDATED THIS DEBT which as a CONSUMER according to the FDCPA 15 USC 1692g I can ONLY validate this debt. WHo did they speak with what documents that I signed were used to come up with this accuracy they claimed. YOu also claimed I lived at XXXX XXXX XXXX and stated the company gave you that information I never lived at that address so that's innacurate. 
15 USC 1681 ( a ) 4 I have right to privacy and according to 15 USC 1681 ( b ) ( 2 ) nothing can be reported furnished on a consumer report without their signature.I never signed anything or gave XXXX or experian the right to share my information. 


THESE ARE ALL VIOLATIONS OF THE FDCPA. NEXT YOU WILL FILE THIS IN COURT.
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: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights Account Name XXXX XXXX  XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-19
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. (FL)

XXXX XXXX Transferred my Mortgage to Specialized Loan Servicing XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact XXXX a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and XXXX were advised that XXXX XXXX XXXX XXXX and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. XXXX  account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA UPS XX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with XXXX been set up until AFTER legal services intervened. They have also reported that my 3 payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that XXXX are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both XXXX  and with the XXXX agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and XXXX to no avail. XXXX are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Consumer complaint received 2022-03-27
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. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, the information on my identity theft report has not been blocked. I feel like I'm being taken advantaged of and being ignored of my disputes. In Section 605B, it is plainly stated that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days. My information was impacted by the XXXX data breach and has gotten into the hands of the wrong person. I have sent a notarized copy of the affidavit attached. The document was notarized to authenticate the documents and my identity, no further proof of identity should have been required. Any responses that I have received were general responses and did not respond specifically to my affidavit nor my disputes. They did not comply with my demand to block the information in the affidavit pursuant to the law. I have followed all of the necessary steps in order to legally and rightfully have these items removed, including but not limited to : Sending letters to the reporting agency, filing FTC reports with the Federal Trade Commission and sending notarized affidavit of truth clarifying the identity theft. The extended length of time to remedy this situation has drastically impacted my financial stability. I demand these accounts be deleted immediately or I will file for litigation and seek damages due to the stress you have caused me.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (MI)

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

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-12-30
Product: Credit reporting 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. (NC)

on XX/XX/2023 i went in to buy a car and i told the finance manager. i will only apply for the car if its one hard inquire and he said it would. ( he said it in front of my wife as well and the sales rep ) so i unlocked my credit and i got FIVE hard inquires! after bringing it up to him he said that they only had a copy of my credit its not a hard inquire. Day later all the inquires posted and he refuse to talk to me about it. the following inquires are the UNATHORIZED inquires. XX/XX/2023 XXXX XXXX XXXX, XXXX, XX/XX/2023 XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX Ive already tried to dispute my case to Equifax and the attachment added is the results of me trying to get the inquires removed.
Consumer complaint received 2022-07-06
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. (OH)

XXXX XXXX XXXX is reporting negative to my credit report. I have disputed the information as there is proof that all accounts have been paid, in good standing, and closed by me. I closed these accounts because XXXX XXXX XXXX, multiple times messed up my account, have horrible customer service, and their accounts was always being hacked.