davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WA)

I have made about a dozen calls to SunTrust about the mortgage I have with them for a duplex I own in XXXX, VA ( Loan # XXXX ). More specifically, I've contacted them because of two problems : 1 ) the amount of remaining principal shown on my monthly mortgage statements is about {$10000.00} more than the amount shown when I log into the website. They tell me the latter is the correct amount but despite numerous promises to fix the problem over many months, the statements still show the incorrect/higher amount. I have no idea whether the interest I'm being charged is based on the correct amount of principal!! 

This problem likely stems from the fact that in XX/XX/2020 I signed up for the payment deferral program. I have since, as of about XXXX months ago, made every one of the missing payments and thus the correct principal amount should be exactly what it would have been at this point, had I never signed up for that program. This leads to problem # 2...

2 ) I have asked for a record of all payments made and received on the loan for the last XXXX years, including the amounts that went to pay interest, escrow items, and toward principal, along with the monthly principal balance, simply because I have a feeling the lower amount of principal they claim is correct ( about {$200000.00} ) also is too high and thus is inaccurate. Getting this record will allow me to determine whether the principal amount claimed is in fact correct. 

When I call about these issues, first, I'm passed around like a hot potato among different departments ; eventually I'm told it will be corrected, that the next statement I get will be correct, and that they will send me the record of all payments made and the monthly balance. None of these things have happened. I have since asked to speak to a supervisor but I've been told one will call me back. That also has not yet happened! I literally have spent hours and hours on the phone with these clowns but thus far, nothing has been done! I am very busy, like most people, and do not have time for such nonsense. I have been a good customer of SunTrust for a long time and they used to be a good company. However, since they merged with BB & T, everything has fallen apart. When I move back to XXXX from XXXX, I likely will close my bank account with them and get a new mortgage for the property in question. This company has become a bad joke.
Consumer complaint received 2022-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (PA)

After EdFinancial reinstated my loan balance for the {$10000.00} in student loans payments I made during the student loan forgiveness that I requested, they subsequently reversed the {$10000.00} and told my I have to call my current loan servicer because that is who they received the final payment from. I personally made {$23000.00} in payments before I refinanced. I should be refunded for the payments I made to Edfinancial, not XXXX XXXX. Furthermore, the balance of {$10000.00} needs to sit on my Edfinancial loan in order for it to qualify for the student loan forgiveness.
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my checking account back in XXXX, they did not give me any reason, I was costumer with them since XXXX when I was an international student. I went to the branch and tried to open a new account with them, they told me they would not be able to open any account nor any business relationship with me. I really enjoyed banking with them, and looking forward to solve the misunderstanding but they would not tell me the reason and that is difficult for me.
Consumer complaint received 2021-12-11
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. (OK)

I submitted a complaint to Experian via cfpb complaint portal and via affidavit certified mail. The company is using stall tactics to avoid resolving consumer rights violations.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

Citibank double cash back credit card charging daily interest on a " promotion '' feels unfair and illegal practices. 

I missed my payment for XXXX by 1 day. Which is very fine as it happens. They charged me {$34.00} of interest on a {$280.00} bill as their lower APR promotions charges interest daily. I don't how its possible or legal for them to hit you with double interest payments and interest that is >10 % of total bill for 1 month. 

-- -- -- -- -- -- -- -- -- -- XX/XX/XXXXXX/XX/year> LATE FEE - XXXX PAYMENT PAST DUE {$30.00} -- -- -- -- -- -- -- -- -- -- - XX/XX/year> INTEREST CHARGED TO STANDARD PURCH {$7.00} -- -- -- -- -- -- -- -- -- -- - XX/XX/scrub>XX/XX/XXXX INTEREST CHARGED TO XXXX {$27.00} -- -- -- -- -- -- -- -- -- -- XX/XX/year> ONLINE PAYMENT, THANK YOU - {$280.00}
Consumer complaint received 2023-01-13
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)

In accordance with the fair credit reporting act XXXX 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
Consumer complaint received 2021-12-11
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. (TN)

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates
Consumer complaint received 2021-12-11
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. (TN)

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates
Consumer complaint received 2019-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following companies ran unauthorized credit inquiry on my credit report. These are suspicious and needs to be deleted asap : 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 and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

Good Day- I am writing this letter in reference to XXXX XXXX. This account does not belong to me. This is fraud. XXXX removed this account from me due to the fraud /Enhanced recovery purchased this debt while XXXX was very aware that this was indeed fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud.
Consumer complaint received 2021-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX is commiting fraud and asking myself to commit fraud. 
Inability to pay According to -- -- -- >>>>> Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution ; and Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ). 
Conclusion : The Affirmant, as one of the real men with arms and legs on this land called America, is a collateral creditor ( 15 USC 1692a ( 4 ) ) of the full faith and credit of the United States ( 12 USC 1825 ( d ) ). As such creditor Affirmant is not liable for any obligation of the United States.

QUESTIONS RAISED TO " CREDITOR '' : 1 ) Who is required to pay debts? 
XXXX ) What species XXXX requiring as payment? 
XXXX ) What legislative authority gave XXXX the legal ability to determine the said payment? 

I, XXXX XXXX, living private woman heredo by certify this statement to be true under penalty of perjury.
Consumer complaint received 2019-08-06
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C. (TX)

Consumer Legal Group contacted me by phone about removing debt and creditors completely from my credit report. I did sign the paperwork that was provided. however after 3 months, I spoke with another credit repair company that stated no action had been made against any of my creditors and I should report clg as it may be fraudulent. at the end of paperwork there is a link to FTC but it does not connect to Federal Trade Commission. I was skeptical about their procedures and talked to them saying to please cancel all further action, money withdrawals and to refund my money paid as they had no action completed as they stated they would proceed to do. their objective as known to me was to contact my creditors as they had all been sold to second parties and they would prove the paperwork provided to them would be inadequate for pursuing my debt and they would be able to remove all bad credit from my credit report. after speaking with XXXX XXXX XXXX i have contracted with them to pursue payment on my debt after speaking to them on my behalf to see if a reduction in amount due could be agreed upon. 
i have filed a fraudulent action at my credit union based on money withdrawn with no action. Please look into the company and advise if any recourse for reimbursement can be made. i feel it may be a scam to receive money and not provide action at all.
Consumer complaint received 2021-12-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TN)

XX/XX/XXXX I received a letter from Debt Recovery Solutions stating that I owe them {$350.00} for a XXXX XXXX payday loan that was paid XX/XX/XXXX. Myself and my relatives have been receiving phone calls threatening lawsuits and letters from multiple companies regarding this debt and despite paying it, I keep getting letters and phone calls. The letter from DRS offered a settlement so I called and paid the {$280.00} hoping that paying a second time would stop the phone calls. Shortly after paying these people a company named XXXX XXXX XXXX calls and says they are filing a civil complaint against me regarding this XXXX XXXX payday loan. I called XXXX XXXX who stated that the debt was sold to XXXX XXXX. I filed a XXXX  and CFPB complaint against XXXX XXXX because I contacted them XX/XX/XXXX about the same issue and I received an email from XXXX XXXX stating that my account was closed and I would not receive anymore calls regarding XXXX XXXX. XXXX XXXX responded with the following, MESSAGE FROM BUSINESS : RE : XXXX XXXX Please be advised that your account status has been updated to settled in full, it no longer carries an outstanding balance and is now permanently closed. All necessary parties have been notified of the issue and will cease all/any further attempts to contact you regarding the account. 

The error was caused due to a technical issue during a data upload but has been fully addressed to correct the status of the account. 

We apologize for the inconvenience caused by account error. 

If you wish to discuss the status of your account or want further detail or elaboration, one of our team members will reach out to you at your convenience. 

On XX/XX/XXXX, DRS refunds XXXX to my checking account thats associated with the debit card I paid them with, and on XX/XX/XXXX posts a collection account on my credit report for XXXX XXXX. I want it removed and I want to know why it was placed on my credit report.
Consumer complaint received 2021-12-11
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. (MO)

There is a XXXX XXXX credit card on my account saying Im an authorized user. Id like this removed from my account. I didnt sign anything or ask to be put on as an authorized user at any time with anyone.
Consumer complaint received 2021-12-10
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: Experian Information Solutions Inc. (IL)

I AM THE VICTIM OF IDENTITY THEFT INCLUDED ARE MY PASSPORT FOR IDENTIFICATION ALSO UTILITY BILL, ASWELL AS XXXX XXXX REPORT AND FEDERAL TRADE COMMISSION THEFT REPORT.
Consumer complaint received 2021-12-10
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. (IL)

I AM THE VICTIM OF IDENTITY THEFT INCLUDED ARE MY PASSPORT FOR IDENTIFICATION ALSO UTILITY BILL, ASWELL AS XXXX XXXX REPORT AND FEDERAL TRADE COMMISSION THEFT REPORT.
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

At the end of my lease with infiniti, I went into a new lease with them. The dealership waived my last payment and I have had my new car for 15+ months. The outstanding last payment of {$430.00} that was waived by the dealership through infiniti financial services has not been updated as closed and is still showing as an open balance. Ive tried to resolve this through them and they have not helped at all. This is my last attempt to have it removed before my attorney becomes involved for falsely reporting this outstanding balance for more than a year. My brother was a co-signer on this lease and its causing him harm as well.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I purchased an order of floor tile from XXXX XXXX XXXX. On XX/XX/XXXX the tile was delivered to my home. The driver said he could only off load the tile which was in boxes on wooden pallets onto the street. He had no way to move the pallets onto my driveway or put them into my garage. I refused delivery of the tile. The pallets of tile remained on the truck and he drove away. I never accepted the merchandise. On XX/XX/XXXX I was given a provisional credit after I filed a dispute on XX/XX/XXXX, see attached. On XX/XX/XXXX the credit was reversed. I never received a letter stating that they had reversed the credit. I never received a letter explaining their reasons for denying my dispute. I received nothing until I received an email stating my payment was due. This charge is in dispute I should not be billed for a charge that is being disputed. I sent a letter XX/XX/XXXX, see attached asking that the dispute be reopened. I have received nothing from Comenity Bank. They are still sending me emails stating that my payment is due. This dispute must be resolved in my favor as I never accepted delivery of the merchandise.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

I opened a Chase Southwest Airlines Credit Card in XX/XX/2021. I was to receive a {$200.00} statement credit and XXXX reward points after spending {$1000.00} in the first three months. Chase is refusing to deposit the reward points.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Dear Equifax, The tradeline XXXX is currently reporting fraudulently with incomplete, false, inaccurate, and unverifiable data. This is after CRA 's and one furnisher stated that the account is verified accurate and complete on XX/XX/XXXX. There are still many inaccurate data on my report. I would like this deleted immediately and update CRA 's and furnisher. If furnishers are contacted, please provide name, address, phone for this reinvestigation. If documents or data used to determine your review, please share. Basically I would like the procedures of reinvestigation for my file disclosure that pertains to me. 

1. account name and number XXXX : XXXX XXXX wrong : Its XXXX  and number XXXX. 
2. date opened : XXXX wrong : Its XX/XX/XXXX - see attached 3. The balance - XXXX : There should be no balance if original creditor transfer it. XXXX is not the furnisher and the CRAs can assemble the report. Who is reporting this tradeline 4. Payment is info is reporting wrong from XX/XX/XXXX to XX/XX/XXXX ( increments from XXXX to XXXX to XXXX to XXXX ) 5. status date of XX/XX/XXXX is wrong. there should be no activity after closing date of XX/XX/XXXX. 
6. sold the house and payoff the mortgage in XXXX XXXX see attached.
Consumer complaint received 2015-04-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

In XXXX of XX/XX/2014 I received an offer from the Citizen 's Bank with which we have a checking account an offer to get {$5.00} up to {$10.00} for automatic bill payments charged to the bank 's credit card and posted before XXXX XXXX, XX/XX/2014. I did so and XXXX payments for XXXX and XXXX were posted on XXXX/XXXX/XX/XX/2014 and XXXX/XXXXXX/XX/2014 respectively. Yet I did not receive the promised {$10.00} credit as promised.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

The situation that I'm having with credit journey, is that im trying to fix my credit by paying my payment 's on time and my monthly score goes up XXXX points one month and the next month my score goes down XXXX or XXXX points from past XXXX to XXXX XXXX XXXX mistakes I've done, these are very old inquiries or mistake I've done that is not who I am today I'm trying to improve. But the judgment of the the past is making it impossible for my credit score to ever recover and staying very low.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (GA)

I have a false report on my background check. I have a case number and a charge for XXXX XXXX  of a XXXX  under XXXX that does NOT belong to me at all. I went to the police department to confirm this as well. Provided is a photo of the actual police report with the case number and the background report with a completely different charge and case number.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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