davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
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: Experian Information Solutions Inc. (NY)

Personal information regarding addresses that I never inhabited are listed on my Experian Credit Report on page 6 of 6. Two telephone numbers that are not mine but are listed on my Experian Credit Report. I want these errors removed from my credit report.

1. They are as follows : XXXX XXXX XXXX XXXX NY XXXX Type : Single family Geo Code : XXXX Address Identification number : XXXX and 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Type : Single family Geo Code : XXXX Address Identification number : XXXX Telephone Numbers listed are in error : 1. XXXX and 2. XXXX
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX High Credit Credit Limit Past due balance Date opened Date last active Date last reported Date last payment All this information is inaccurate and I asked that it be removed on several occasions and never got a response nor an update
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the transunion inquiry error/glitch that happened but they want remove the inquires on my credit report.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (OK)

SunTrust Bank closed my account for no reason and gave no reason in their letter I received regarding the closing of my account. In the letter it says that it is going to be 15 business days before the funds are returned to me. Its been well after 15 days and so I called them and now they said it is going to be the end of XX/XX/XXXX! This is nuts!!! 
There was XXXX dollars in my account when they closed it. This bank is a fraud!
Consumer complaint received 2023-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I bought a home at the tax upset sale with a Lien on the Title for a HELOC. After multiple attempts to request a payoff for the amount of the Lien, the bank is refusing to respond.

The original owner of the Loan is deceased. I have the Deed in my name and want to clean the title and they REFUSE to acknowledge or offer a payoff, or provide a Lien Release.
Consumer complaint received 2018-11-15
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. (UT)

On XX/XX/2018, I received a PRE-APPROVED application for an XXXX XXXX card through XXXX. I carefully read through ALL information before submitting my application. I did not find any mention of a hard credit inquiry that would be placed on my experian credit file. Several times it was mentioned that I was XXXX. My credit profile had already been PRE-SCREENED. I was completely shocked to see a hard credit pull from XXXX. I did not authorize this inquiry, nor was I informed that it would take place.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS IS NOT A REPEAT ADDITIONAL INFORMATION HAS BEEN SUBMITTED! I did send paperwork showing from multiple credit agencies, including TransUnion online. I printed these papers out, showing no changes on my credit score prior to my credit score decreasing. I sent about 6 pages, along with a description of why Im requesting the points back. It was clear. Everything I sent was proof as well as provided the reason. However the letter they sent indicated that they didnt see this information on their site or on their end, and advised me to look at my credit report. Looking at my credit report has been their answer for everything. That didnt and doesnt resolve this situation. This is not a situation of change on my report. The issue is change on my score. And it was after the inquiry was removed the same exact date. I received an alert from multiple credit agencies showing my credit score decreased and the reason it did. I sent all that to Transunion. And they have done nothing, but continue to ask me to review the report, which isnt resolving my score changes. I even showed them a paper that showed no changes until the inquiry was removed. Their system they use that provides the formula for the mix of consumers credit report, caused this. And now they wont fix this, wont take responsibility for it. And keep pushing it to me. They are acting as if I didnt already send paperwork to them in the mail, they are acting like I didnt write a letter Clearly telling them the reason. And asking for my XXXX  points back to my credit score. They received the request and paperwork because they responded in a letter but the letter only said they didnt see this on their site, but my score is different now, so they wont see it. However they seen what I showed them and sent them in the mail. To prove the removal of the inquiry Decreased my score, and they didnt provide the XXXX  points I lost back to my score. They have not done anything but removed the inquiry. But didnt fix my score decrease. They are deflecting from the issue. They have the capability to look at my score XX/XX/XXXX or XXXX to see what it was, then look at XX/XX/XXXX to see the change. They know they removed the inquiry that date and it would be crazy to deny that, that was the cause when they can look at the activity themselves on my credit report and score. Nothing has changed and I have already sent in the mail what they asked for last month in XX/XX/2022, they have it. Now I want my points to be added back. All XXXX  points
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (MO)

I've paid {$1200.00} a month to Truist bank via my credit union for quite some time now. The beginning of XXXX I checked my credit score through equifax like I normally do and find out my score dropped close to XXXX points. Truist bank reported me as past due on my XXXX and XXXX payments. I called them and they stated that I DID in fact make both payments of {$1200.00} but they were applied towards the principal only due to my monthly payment going up approximately {$80.00}. I paid them the difference to bring my account current and they supposedly fixed things. I checked my score about a week later and now my score is down another XXXX points to approximately XXXX after being well over XXXX. Truist said they never corrected the XXXX payment but they would take care of it this time. I've worked very hard to get my credit score above XXXX and have never paid Truist or anyone else late. It is absurd that my score gets ruined over less than {$200.00}. Perhaps I did miss the letter they sent out XX/XX/XXXX stating that my payment changed but I lost my job the end of last year and have been dealing with that. How about a simple email, text, or even a phone call/voice-mail telling me my payments were short?? I was not communicated with by Truist in any way regarding my payments being short or I would have gladly payed them the difference on the spot. I did request a dispute with Truist and they basically told me there is nothing they will do. Reminder ... .apparently this stays on my credit until XXXX. Not right, not fair, not cool. So I am treated as though I didn't make the payment at all? This bank is absolutely terrible.
Consumer complaint received 2024-04-01
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. (NJ)

I returned from holiday to find alerts that there were two fraudulent hare credit inquiries on my credit report -one from XXXX and one from XXXX. Was told neither application was granted as of yet and that they would in fact be denied, and the hard credit check would be removed from my credit reports.
Consumer complaint received 2023-04-07
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: CCS Financial Services, Inc. (PA)

In accordance with the fair credit Reporting act XXXX Accounts of XXXX XXXXXXXX and XXXX XXXX XXXX have violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a, payment on a credit card account under at open end consumer credit plan as late for purpose.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

Sent a signature card paper w/ Signature stating XXXX XXXX Didn't send Documentation Government I.D Copy or Social security Number/ Address on Signature Card isn't mine Wrong XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank ERRONEOUSLY charged me a " lender placed '' Hazard insurance premium in the amount of {$3800.00}. 

After receiving letters from Truist asserting that I had no insurance on my home from XX/XX/XXXX - XX/XX/XXXX, I contacted Truist and spoke with 2 representatives ( 1 call was on XX/XX/XXXX & the other call was in XXXX XXXX ) trying to clear up this error. On both occasions, the reps conferenced in XXXX XXXX and were told that I DID have insurance on my home covering XX/XX/XXXX - XX/XX/XXXX. On both occasions the XXXX XXXX reps sent declaration pages as proof to Truist. 

After speaking with a Truist rep on XX/XX/XXXX, I sent an email to Truist providing all the documentation Truist needs to resolve this issue to ( XXXX ) and attached the following documents : - XXXX XXXX declaration pages- PROVING I had insurance from XX/XX/XXXX through XX/XX/XXXX - XXXX XXXX declaration pages - showing new coverage from XX/XX/XXXX through XX/XX/XXXX ( Date issued XX/XX/XXXX ) - Recent charges from my Truist account showing the erroneous charge of {$3800.00} I spoke to a third Truist rep on XX/XX/XXXX and was advised my email was received on XX/XX/XXXX, but the only attachment that was uploaded in the Truist system was the XXXX XXXX declaration pages showing new coverage from XX/XX/XXXX XXXX. The other 2 attachments were not uploaded. When I explained the issue ( yet, again ) the Truist rep conferenced in XXXX XXXX and was told that I DID have insurance on my home covering XX/XX/XXXX - XX/XX/XXXX. The Truist rep requested the XXXX XXXX rep send proof to Truist. I was told to wait another 5-7 days for the proof to be received and processed. Why should I believe waiting another 5-7 days a third time will get me results the first 2 times did not? 

I have wasted 45 minutes per call a total of 3 times contacting Truist to get this resolved and I am done wasting my time. I am not sure if the issue is because my original mortgage was with BB & T and Truist assumed those mortgage loans, nor do I care. 

I have attached XXXX XXXX Declaration pages proving I had insurance from XX/XX/XXXX through XX/XX/XXXX and recent charges from my Truist account showing the erroneous charge of {$3800.00}
Consumer complaint received 2021-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service Center, Inc. (PA)

On XX/XX/XXXX, I received a collection notice saying this case was turned over to collections since I had not responded to previous correspondence. I never received anything from this company before so I did not know anything about it. I had XXXX XXXX XXXX on XX/XX/XXXX and I have gotten another bill from an outside billing source which is probably related to this one. I've already talked to the hospital and they informed me after the fact that they bill doctors in the emergency room outside of their hospital. I already set up a plan to pay monthly and it's almost paid off, but I didn't know that I would be getting other bills from another source. This is unfair and was never explained to me. I have already spent several XXXX dollars and now I'm getting hit with all these new bills. 
This new bill looks suspicious. I received it after their office closed so I haven't been able to call them. I discovered from other sources online that they are not cooperative on the phone so I sent a message to the hospital who performed my XXXX XXXX and explained the situation. I'm worried that my information must be out there in the wilds if I'm suddenly getting these notices. I also don't want my credit ruined because I have an excellent credit rating. I'm nearly XXXX and I don't need this, and since my XXXX XXXX I have been in bad condition. 
If this is legitimate, I need proof I owe this money since I never received it so I don't know what this bill is for. The last bill was for radiology and something else, but I discovered I didn't owe what they said I owed. My XXXX and VA accounts paid for it, but they still charged me. I suspect the same to happen with this collection service.
Consumer complaint received 2018-11-15
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. (MI)

In XX/XX/XXXX and XXXX I went and I applied for my XXXX XXXX XXXX XXXX early tax refund. I was denied due to Experian saying I had an open bankruptcie. I then got a hold of Experian I do not know who I talk to because I could not understand his or hers name just like today when I talk to them I did not understand the second guys name. The first one I talked to was XXXX, but he sent me to some one else. last year I had to fax over proof and I mailed it in to Experian that the bankruptcy was closed from XXXX I proved it was closed they took care of it because I was able to go back to XXXX XXXX XXXX  XXXX and get the early refund. This year today XX/XX/XXXX I went to go get the early refund again to be able to fix my vehicle. Yet again because of Experian saying that the bankruptcy is still open from XXXX even though I've sent them the paperwork stating that it was closed I got denied again for the same reason. today XX/XX/XXXX I called Experian and I started off talking with a gentleman named XXXX who forwarded my call to somebody else who was supposed to be able to take care of it right away for me I could not understand the man 's name. he said I would have to wait 30 to 45 days for them to fix what they failed to fix last year even though I emailed them and uploaded the documentation stating that it was closed and it needed to be changed on my credit report. I then asked him how I can make a complaint to Experian about whoever dealt with my stuff last year the guy then proceeded to tell me I needed to get an attorney and go to court to make a complaint about them. I have dealt with this issue and they have the proof. I'm being denied credit due to this fact. and I don't feel I need to wait another 30 to 45 days for something they should have fixed over a year ago.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX XXXX on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX and XXXX XXXX and one was made at XXXX XXXX. On XX/XX/2019 I received four calls from the same number, one every hour between XXXX XXXX. and XXXX XXXX. and one at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from XXXX and its card services. When I researched the number online I saw that it was a debt collection number from XXXX. Why is XXXX harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX dollars and XXXX XXXX XXXX? Furthermore, it has been [ 37 ] thirty seven days since the debt has been paid in full and it has not reflected on my credit report.
Consumer complaint received 2018-11-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C. (OH)

According to Federal student aid ( department of US education ) and national student database, I have 17 total student loans which has been consolidated under 3 loans with XXXX XXXX borrowers to service my loans. I have confirm with FSA & XXXX XXXX that i have no other student loans, also verified by national student loan database. Company name Solomon & Solomon P.C. claims that they have been hire to collect my student loans behalf of NJ education department. They do not provide any documentation or provide any proof regarding this loans.Solomon & Solomon P.C. is charging daily interest on this accounts. They have report this on my and my parents personal credit under " NJ education dept '' in which balance goes up every month with default status. my families personal credit has been ruined because of this. Lenders look at this accounts as default with federal and therefore it disqualifies with any SBA loans or mortgage loans.
Consumer complaint received 2024-04-01
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. (FL)

After reviewing my credit report, I have noticed hard inquires I do not recognize. I have contacted both CRAs, and that refuse to dispute or investigate the inquires. Attached is an FTC report indicating all of the unauthorized inquires ( including in the personal statement section ) that should be removed from my credit profile. 

15 U.S.C. 1681b ( c ) Furnishing reports in connection with credit or insurance transaction that are not initiated by consumer ( 3 ) information regarding inquires. Except as provided in section 15 USC 1681 ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Requested on several occasions they remove incorrect information on my report. These are the dates and corresponding report numbers. 
Report # XXXX, dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ;  report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX. I 've attached the USPS certified mail stamps.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I purchased a car in XXXX/2017 the car dealer sent my information to over a XXXX  financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.
Consumer complaint received 2017-12-22
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. (WI)

I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.