davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX, Suntrust did an escrow analysis for XXXX projected year and failed to include the monthly escrow to be paid for XX/XX/XXXX. The payment was not due until XX/XX/XXXX and was timely paid in full. Defying logic, Suntrust showed  actual escrow payment for XXXX XXXX as {$0.00} but included XXXX XXXX escrow as {$660.00} ( as estimated ). So, they do estimate XXXX even though not yet due when the analysis is performed, but they estimate XXXX will get paid? The result is to project a starting actual escrow balance for XX/XX/XXXX which is {$660.00} below what the actual escrow will be. In effect, they only included 11 escrow payments in the analysis. The result is a {$320.00} escrow projected shortage ( below 1/6 annual total escrow ). In reality, the escrow they will collect will cause an overage of more than {$300.00} above the minimum required escrow. 

On XXXX XXXX, XXXX - after XXXX payment was made including {$660.00} to escrow - I spoke to a Customer Service Rep who tried to dismiss the escrow as just an estimate and that it won't affect my payment. False. Eventually, they agreed to have the analysis re-performed. I spoke again to the not helpful Customer Service department and they said the XX/XX/XXXX analysis was done correctly and that it doesn't matter that I made XXXX payment and escrow. They could not explain why the estimated XXXX escrow would be made and could not take into account that XXXX was actually paid. This is also a change in practice to how they estimated escrows in XXXX. 

It seems Suntrust is trying to systematically miscalculate escrows to hold excessive balances in violation of applicable law. Please investigate the above concern for both my account and for all accounts similarly situated.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2021-06-11
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. (FL)

I have tried to resolve this on multiple occasions. My XXXX account with XXXX XXXX  has been CLOSED with a {$0.00} balance for over one year. I have written a letter and filed online disputes to have the status changed from OPEN TO CLOSED yet this last time they updated the date of the latest account balance to XX/XX/XXXX and dismissed the issue at hand. My dispute could not have been more clear, yet unresolved. 

A message was added by your agency to my dispute resolution report regarding the XXXX issue. The exact message on my dispute report # XXXX that was supposedly resolved on XX/XX/XXXX was noted as " PLEASE CONTACT CREDIT GRANTOR AT XXXX " Since this phone number was different than the one for XXXX listed on my credit report of ( XXXX ) XXXX and because it looked odd the way it was noted with a minus sign before and after it and no spaces, I looked up the number online and it does NOT appear to be XXXX . I believe there is internal fraud/assistance for possible identity theft being perpetrated by directing me to contact this number which is fraudulent. If I am correct, your agency should be able to identify with audit trails who added this contact number to my dispute report and it will lead you to a criminal within your organization. 

This account is shown as closed at the other 2 credit reporting agencies and I contacted XXXX myself to make sure it is closed with no outstanding balance. I closed ALL my credit cards over 1 year ago. 

It is a simple fix which should only take one call to XXXX, yet for some odd reason, this has not been corrected despite my repeated attempts. 

I believe I am a target for identity theft so it is ODD and concerning this simple request has been dismissed and the unusual phone number I was given to investigate this further on my own. This is internal fraud in your agency, I am almost certain. Please investigate to protect me and the public. Thank you.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IA)

XXXX or XXXX locked me out of my credit card when they issued a new credit card so I was unable to make a payment until I received my new card, which was lost in the mail and had to be sent out a different time. This caused a negative mark on my credit which will cost me thousands of dollars in the home mortgage I am applying for, all because of a {$12.00} purchase.
Consumer complaint received 2020-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS  COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2017-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

This refers to the attached letter fro m Citibank.      In the letter it is stated " You opened your account online on  XXXX   XXXX ,  2016  ... '' This statement is false fo r two reasons 1. The accounts are never opened by clients. The accounts are opened by Citibank after app roving their applications.      2. I sub mitted my application on  XXXX   XXXX ,  2016 .  Citibank approved my application and sent my account documents via U.S.Mail on   XXXX   XXXX ,  2016 . I received these documents on  XXXX   XXXX ,  2016 . Hence, the account was effectively opened on  XXXX   XXXX ,  2016 , not on  XXXX   XXXX ,  2016  as claimed  by Citibank Acco rdingly, all requirements of Promotion  XXXX  were met and I am entitled to the Promotion cred it. Citibank is attempting to mislead me and the CFPB. Clients can not be held responsible for any delay on the part of Citibank in openin g the accounts.
Consumer complaint received 2017-05-27
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. (GA)

I have sent Experian several documents asking them to remove these items because they were old accounts that were connect wit my Bk that has  discharged  and removed from my credit report 1. XXXX   XXXX  2.  XXXX   XXXX   XXXX   #  XXXX  3.  XXXX   XXXX   XXXX    #   XXXX  4.  XXXX   XXXX   XXXX   #  XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account # XXXX XXXX XXXX XXXX Recent Payment History : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In accordance with the Fair Credit and Reporting Act this credit has violated my rights under 15 USC 1681 section six two states I have the right to privacy 15 USC 1681 it also states a consumer report agency can not furnish her account without my written instructions under 15 USC 1666 b a creditor may not treat a late payment on a credit card on a open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MI)

I set my XXXX on auto pay for payment. During the setup, I didn't know the setup took the original set for {$3400.00} and payed on XXXX ( transaction reference number XXXX ). During the process, I didn't believe took, so XXXX setup auto pay for second {$4000.00} to ensure the payment was setup. 

I am a XXXX  veteran, and I am out paying at a doctors appointment when my AMEX was declined, I was astonished because I just made a payment XXXX on XXXX. I called AMEX when they explained me its there policy that the payment has to be declined XXXX times before they will reactivate my card for use! This seems highly wrong for someone that just made payments and this extra transaction that was cancelled with XXXX and cleared with XXXX STILL on XXXX XXXX my card is inactive, made an attempts to stop it and clear it with AMEX with prevail.
Consumer complaint received 2019-04-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Roquemore Holdings LLC (UT)

Called everyone in my family : my sister, my mom, my sister in law, my sister in laws husband, my mother in law ; but would not call me back to even ask what this was about. XX/XX/19. They stated that it was an emergency making my family concerned for my health.
Consumer complaint received 2018-01-14
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. (MD)

On XXXX XXXX, XXXX, my account went delinquent. However, I have been paying XXXX XXXX XXXX XXXX XXXX dollars a month every XXXX of the month since XXXX XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a loan with BANK OF AMERICA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and BANK OF AMERICA with no successful resolutionXXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

After sending in 2 letters to collector to validate debt they have not been able to provide any validation / written contract with my signature. All i am getting is phone calls and letters that don't address my Validation letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I have also received a letter saying they may sue me. I am a single father and this has made a major negative impact on my credit score which intern is hurting my chance to have enough credit to help pay for my sons needs and getting a much needed home. I have also been victim to XXXX breach and my personal information is being used in the dark web. 

Thank you for your help. 
XXXX XXXX
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2018 I contacted LVNV Funding, LLC by certified mail in regard to info that they had sent to me in response to my request for validation for the XXXX account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last month I reached out to the bank they say is the original debtor and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus as I have been doing for years but they said that its already been disputed and they will not look at it again. Then a few weeks ago I received a letter from a company called XXXX XXXX XXXX XXXX, XXXX indicating that their client LVNV Funding LLC authorized them to offer me a settlement on a debt that LVNV has not been able to validate nor have they provided any of the information that is necessary by law that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to correctly and legally validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase a home and be given other credit opportunities.
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My personal information was stolen through and email and I did not know about it until I saw 8 different charges to a merchant called XXXX on XX/XX/2020 : {$800.00}, {$480.00}, {$200000.00}, {$1900.00}, {$1100.00}, {$1000.00}, {$280.00}, {$2500.00} = totaling {$10000.00}. 
I bank with Bank of America, it's a business account, I have never done any business with XXXX. Bank of America never sent me any text message alerting about those transactions, nor put a stop on my card. When I saw the charges, which were still pending, I called the bank immediately and informed them that those 8 charges were not authorized and not made by me. The bank told me they had to let the charges go through and they will refund me after. 
They opened a fraud request and denied stating that the information provided to the merchant for the 8 transactions matched mine. I told them that I knew it was going to match because my personal/bank information was stolen! 
The bank denied to refund the {$10000.00} that was stolen from my account stating that it's not fraud. 
I called the bank and I asked them to reopen the case. They did and they denied again stating that it's not fraud because the information on XXXX website matches my information and then the bank is lying that they sent text messages to my husband 's phone alerting about the transactions on XX/XX/2020 ( also a signer on the account ), but they did not send any text message ( I am including a copy of my phone bill here to show you ) I have called the bank every single day, since XX/XX/2020 when I found out about those charges. I went to the police and made a report ( the police laughed at my face because he said there was nothing they could do ), I put an alert to my credit report and I will prove to the bank that I did not do those transactions, I don't understand how come 8 different transactions to the same place, same day, one after the other did not raise a red flag with the bank. The bank had to put a stop or call me to ask if those transactions were valid. 
I am desperate because it was not a little amount of money, it was {$10000.00}. 
I need help to get my money back. 
I filed a police report, I put an alert on my credit report, I called the merchant, I called the bank and I will keep doing until I prove it was not me who did those transactions. 
The bank had the obligation to care for my money ... they should have never let those 8 transactions got through without asking me if it was authorized by me ... it was a huge red flag ... huge ... 
Please help me!!!!
Consumer complaint received 2018-12-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

A company called XXXX XXXX has reported a dept to my Equifax account that I know nothing about. According to federal law we the people are entitled to a notice to dispute any item that a company says we owe. I received no such notice from XXXX XXXX of this XXXX XXXX XXXX XXXX either. 
As far as I am concerned Equifax and XXXX XXXX has violated my Constitutional right to due process meaning I should have received notice of this so called dept I do not owe. They have also, in the process, slandered me and defamed me to which their will be serious consequences if this is not rectified by Equifax for allowing such XXXX to be posted on my account without a shred of evidence.
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX,. I never paid the following accounts late, XXXX  : TransUnion  and XXXX  are not reporting this account, XXXX  is reporting a payment status of 60 days late but does not provide the dates this account was late, XXXX XXXX : TransUnion is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/2019, 60 days late in XX/XX/2019, 120 days late in XXXX and XX/XX/XXXX, XXXX  is reporting a payment status of current but reporting late payments of 60 days late inXX/XX/2019, 90 days late in XXXX and XX/XX/2019, 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX, XXXX  is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/XXXX, 60 days late inXX/XX/XXXX, 120 days late in XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, ORIGINAL CREDITOR Account Number XXXX TransUnion and XXXX  is not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$130.00}, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX no balance reporting, XXXX  is reporting an opened date of XX/XX/XXXX no balance reporting, XXXX  is reporting an opened date of XX/XX/XXXX no balance reporting. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information or provide proof with signatures of my agreeance to these accounts. Please help me to get this matter resolved.
Consumer complaint received 2020-02-08
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: EQUIFAX, INC. (FL)

XXXX, EQUIFAX AND XXXX HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT THATS NOT MINE, INACCURATE. 
ACCOUNTS NOT MINE : XXXX XXXX -- XXXX XXXX   XXXX -- XXXX XXXX -- XXXX -- XXXX XXXX XXXX -- US DEPT OF ED/XXXX -- XXXX XXXX XXXX --
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act ( Bankruptcy Reference # XXXX ) has violated my federally protected rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 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 2023-05-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America makes it impossible to work with them when you are a victim of identity theft. I am not a customer of Bank of America but someone tried to apply for credit in my name with Bank of America. I tried to call them to get the inquiry removed from my credit report but they were of no help. I spoke to XXXX XXXX ID : XXXX who was of zero help. It also took me multiple attempts to get to a representative at Bank of America because they would only patch me through if I was a customer. I had to put in some random numbers which finally got me to XXXX who again was of zero help.