davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (VA)

We have been trying to get a reasonable modification From SunTrust mortgage over past several years. We did pay three monthly installment payments at one time when they approved us for a trial modification period. All payments we're made and had proof of payment for them, but the modification of the loan was " accidentally  cancelled '' by another department at SunTrust and they said they couldn't reinstate the loan. We were no longer elligable for that type of modification for our loan. We were denied several times, then finally approved. This XXXX we were approved for modification of the loan, but because I had questions about how the bank determined the monthly payment of over 3600 dollars a month, no one had an answer. The loan specialist at SunTrust just kept telling me that " they said that you can pay the 33 %! ". No one could telle 33 % of what, our gross income, net income, life of the loan/debt ratio? And would not allow me to speak with anyone else to explain this. So I was instructed to allow this offer to expire ( XX/XX/XXXX) and then enter a new borrowers assistance packet to SunTrust. So I did. The packet was sent on XX/XX/XXXX and again on XX/XX/XXXX. I called on the XXXX to see if the documents were received and was told that they were reviewing the documents and would contact us within 5days if any documents were missing. On XX/XX/XXXX I received a letter in the mail from XXXX XXXX, Virginia sales stating there was a sale date of XX/XX/XXXX for our home. I contacted the bank ( SunTrust mortgage ) and they said there was nothing they could do and they threw the packet out because it was not complete and it was less than 15 days til the sale of the house. 
We did not receive any notification from the bank or XXXX   XXXX regarding the sale date of XX/XX/XXXX before now. The letter from XXXX XXXX stated that notification was sent XX/XX/XXXX via first class mail and Certified mail. We never received a certified letter from them. They were Double Tracking our loan. 
Thank you
Consumer complaint received 2018-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX {$100.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$400.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$500.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX & XXXX. '' On XX/XX/XXXX {$250.00} was sent XXXX for " late fee/registration fee. '' On XX/XX/XXXX {$300.00} was sent XXXX. 

All the transaction 's happened through my USAA account through XXXX the app that has a partnership with USAA happened, to move into a room in XXXX XXXX apartments in XXXX, California to move into a apartment with a XXXX XXXX and when i sent that last transaction on XX/XX/XXXX i was supposed to move into the address XXXX XXXX XXXX, XXXX, California XXXX and he stopped responding and disappeared and that's when i realized that i got scammed.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX  accounts that appear on my credit report immediately.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX accounts that appear on my credit report immediately.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN, I've tried and tried, to be as patient with Experian as I can be. But I've read the laws under FCRA. And I know that I as a consumer am protected by the FCRA laws. I guess Experian doesn't think so, when I filed the last dispute with Experian, the female that was taking down my information for the dispute was informing me that I couldn't dispute some of the incorrect information items I was trying to dispute, ( I still dont understand an employee working for Experian and not understanding, being trained or up to date on the FCRA laws ) collection agencies have to almost report mirrored information that the original creditor had. Original balance, credit limit, payment history etc., collection agencies report incorrect information daily to all 3 bureaus, THEY COULD CARE LESS about the FCRA laws, XXXX and XXXX had no problem understanding my disputes and resolved them satisfactorily, but then unfortunately Americans have to deal with Experian, and that's where the problem ls with my complaint.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX accounts that appear on my credit report immediately.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

On XX/XX/2022, I called Discover Credit Card services to inform the company a credit card was sent to me that I did not apply for. When I provided the last four digits of my social security number and birthdate, the representative informed me that my birthdate did not match the application. She then informed me that the account was closed due to fraud and it was noted to forward my calls to a specific representative assigned to my case.
Consumer complaint received 2019-03-30
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 — Problem with personal statement of dispute
Company: CL Holdings LLC (MN)

My father called this company to get this issue resolved as this number we NEVER had ... but my father passed away and now they are reporting it on my credit. The creditor is XXXX XXXX XXXX. They were unwilling to do anything about this after we informed them this was NOT our number.
Consumer complaint received 2022-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma (CA)

On XX/XX/2022 I did a credit card payment through credit karma supposed to be an instant payment to my credit card I linked my credit card milestone to my account and the payment was never made I've been dealing with this for about 2 and 1/2 weeks now they haven't put the money back
Consumer complaint received 2022-03-14
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

My mortgage was sold to Carrington. Prior to the selling I made my monthly payment online and timely. Now Carrington has added fees to pay online so my only option is to go back to the 1990 's and mail them a check monthly. This past month, I mailed my check on XX/XX/XXXX, on XX/XX/XXXX I started getting phone calls and messages from Carrington about credit counseling. Monday XX/XX/XXXX I checked my bank account and I saw that carrington had cashed the check electronically. ( if I do that there is a fee ) The money was out of my account, so this reminded me to call them. When I called  them I was told they are a debt collector, they told me my payment was late! I told them they have there money and I have till the XXXX of the month. I was then told my payment was going to go up as a result. I was informed over the phone that my new payment was {$810.00} instead of {$790.00}. I was told they are a debt collector and they now need 2 months escrow instead of the 1 month XXXX had in the loan origination agreement. 

In short, Carrington is not XXXX, they do not do anything to reduce paper use without charging the customer, They took / bought mortgages and are not complying with the original agreement.
Consumer complaint received 2018-11-02
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: EQUIFAX, INC. (LA)

I can not get proper access to my report, or my dispute abilities. I do not have the proper access for proper monitoring, dispute ability online, or following dispute online. They have this sector blocked, and will not even give me a reason as to why. I want to be able to properly monitor my credit, and I want full access like everyone else gets! If they have a right to report, I have a right to access, and correct. I was advised I may want to pay for their XXXX a month service if I wanted to access my credit, but it still would not allow me to dispute, or monitor my credit.
Consumer complaint received 2018-11-02
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)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX, XXXX XXXX XXXX  ( duplicate on my credit report ), XXXX XXXX ( duplicate on my credit report ), XXXX XXXX XXXX ( duplicate on my credit report ) XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX  ( multiple entries on my credit report ), XXXX XXXX XXXX XXXX  ( multiple entries on my credit report ) , XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX XXXX XXXX, XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( showing duplicate on my credit report ), and Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2018-11-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (CA)

Hello, i have a verified Paypal account. Once the account reached XXXX paypal froze the account under false pretenses, saying there was suspicious activity. There was no suspicious activity. The account is frozen with them demanding information yet not responding to what was sent. I sent a bank statement showing my address. I want them to close my account and send the money to the address on file. I've experienced this extortion before. Paypal knows I use the account to receive XXXX  payments and to shop so they freeze the account once it reaches a certain level. Paypal will not respond to my submissions. 


Nationwide Signing Paypal email XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-01-08
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: Experian Information Solutions Inc. (GA)

I have submitted several dispute letters and a FTC form to the credit agencies with regards to the following accounts below. To date, the credit agencies has not responded to my complaint that notifies them that these accounts was opened as a result of identity theft.  XXXX XXXX/XXXX XXXX -  Opened XX/XX/2018The following Inquiries was not authorized by me:XXXX XXXX XXXXXXXX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX/XXXXXXXX/XXXX XXXX XXXXXXXX XXXXXXXX/XXXXXXXX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-11-02
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made along with errors. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-11-02
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)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX,
Consumer complaint received 2023-03-21
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. (CA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX  3. The inquiry was not authorized XXXX  Date of inquiry : 02/15/2021 Please remove it from my credit report.

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number XXXX XXXX Delete this account.

6. there is some inaccurate information reporting.

XXXX Account Number : XXXX This account has unverifiable and incomplete information please remove this from my credit report Per FCRA and FCBA
Consumer complaint received 2022-03-14
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.