davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Hello, Truist recently acquired Suntrust, and all accounts have been transferred to Truist. Since then, Truist has been a total disaster for me- and from what I can tell - everyone who's tried to use the service. Getting access to the account is an ordeal, since it only sends access codes to the first numbers I had when I first had the mortgage ( all of which are now defunct ). 

Once I do get access, Truist won't let me pay my mortgage. I've been trying to pay since the mortgage payment was due on XX/XX/2022. It's XX/XX/2022 now and I'm going to start receiving late fees on XX/XX/2022 not because I can't pay, but because the Truist website apparently can't handle basic mortgage transactions. I have plenty in my account, but when I try to schedule a payment, the website says " We encountered a problem - try again later '' with no explanation as to why they're refusing to accept payments. I'm convinced this company is trying to prevent customers from even being able to pay their loans such that they can start issuing foreclosure notices and possessing houses, because that's the only logical explanation as to why they would refuse to accept routine payments. 

Since I can't change my mortgage service provider, I'm stuck with Truist and their horrific customer service. I have no idea how to resolve this issue other than to hope the government steps in and shuts down this terrible company. I've tried their customer service line numerous times, but since they put you on hold for two hours I can't get through. I don't have the time to wait around for two hours each day without interruptions waiting for Truist to finally answer.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On Saturday XXXX XXXX I check my Transunion credit report to find that there were inquiries and collection accounts that were added to my credit report that was not on there before. Subsequently I found out that there was a glitch in their system and peoples credit reports were altered. I called on Monday XXXX XXXX to see if they were going to remove the inquiries and I was told that I have to write each creditor and request that they remove the inquiries. I never received any type of notification that these inquiries will be added to my report per the FCRA. I would like all inquiries and collection accounts removed from my credit report. I am trying to start the homeownership process next month and this would set me back from starting the process
Consumer complaint received 2018-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

The collection account I am referring to is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX The problem is, is that I was never notified and according to the Fair Debt Collection Practices Act, 15 USC 169 2g Sec. 809 ( b ), I done owe this collection agency anything. The don't have an original application no Proof of this debt that they say I owe. They are continually moving the date back on all three of my credit reports, XXXX, XXXX, XXXX XXXX. If fact they are show two account on three of my credits reports. The first account number is XXXX XXXX for the amount XXXX the second account is XXXX for the amount of XXXX. They are an third party and they have Lack of Standing to pursue me on false accusations. I am harassed by them calling me all of the time. I request that these accounts be removed from my credit reports, ASAP after your investigation has been completed.
Consumer complaint received 2017-07-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MD)

XX/XX/XXXX This Letter is to make a formal complaint against PNC Bank Mortgage. <P/>Loan # XXXX XXXX XXXX XXXX XXXX. XXXX, Maryland, XXXX Letter Dated : XX/XX/XXXX : Approval for a conditional trial period plan letter : On page 1 of 7 Second paragraph : .. here are the terms of your conditional trial period plan,. if you complete the trial period you will receive a modification with an interest rate of 3.25 %..
<P/>
On XX/XX/XXXX I got a letter of shortage on the ESCROW Account shows {$1300.00} Shortage. We are starting a new loan, so WHY are they charging this bill now. Showing a new payment of {$1500.00} This type of mistakes on PNC Banks Documentation should be punish big time. <P/>On Final documents the interest rate is 4.25 %. <P/>EXHIBIT # 1, Signed by UsXX/XX/XXXX and by PNC on XX/XX/XXXX : Total cash due from borrower : {$1500.00} NOT {$1500.00} Interest rate of existing mortgage 4.0 % AND IT IS 3.25 %, NOT 4.0 % and new modification interest rate is 4.25 % NOT 3.25 %, which they promise as stated above. <P/>I do believe that their way of doing business is ILLIGAL. EXISTING UNPAID BALANCE {$240000.00} NEW PRINCIPAL AMOUNT {$240000.00} WHAT ABOUT THE 4 PAYMENTS OF {$1500.00} FOR THE TRIAL PERIOD? THAT TOTALS {$6200.00}? <P/>When I spoke with my PNC Point of contact XXXX XXXX and then with another representative because XXXX XXXX was not available, both PNC Bank representative told me it is what it is, and if I do not like it, I could stop all the process, catch up with payments and keep making the mortgage payments on the original loan. I felt like they are telling me take it or leave it. No professional courtesy and lack of customer service. <P/>They argue that all this new payments and 1 % higher interest are because I was delinquent which is not true. I was never late, nor behind on my payments and the purpose of doing this modification was to lower the payments by reducing the loan amount which happen to other families, and to lower the interest rate so my payments will be lower. I will be saving about {$330.00} a month, but I am starting a new mortgage for 40 years, this is not right, because I had only 10 years left om my original mortgage. <P/>I have accepted the terms imposed ( Illegally ) by PNC Bank because my monetary condition. I am disable for the last 2 years on a fixed income, and my wife lost her job after 17 years with the Federal Government. We are being forced to their conditions and they are not playing by the rules. <P/>I do believe they need to be punish. <P/>Please see respective attachment provided by me. <P/>Sincerely. <P/>XXXX XXXX H. XXXX C. XXXX
Consumer complaint received 2022-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

On XX/XX/2022 Enhanced Recovery CO L added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Enhanced recovery CO L has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2018-11-01
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. (MI)

Dear Sir, As per the Experian credit report dated XX/XX/2018, I observed that there are several fraudulent inquiries in my credit report. I do not have any business with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, GA XXXX ), these are fraudulent inquiries, fraud and misrepresentation, which were not authorized by me and also without my notice and consent. 
I have no idea, what this company XXXX XXXX XXXX stands for, why did they do inquiry in my credit file, which are associated to my name, address, social and various identification details. I do not have nay business with XXXX XXXX XXXX XXXXnd any inquiry on name, social, address and various identification details are considered fraud, crime, misrepresentation and identification theft. 
Could CFPB direct Experian to explain the reasons in written letter for these fraudulent inquiries dated XX/XX/2018 of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, GA XXXX ). Could CFPB direct Experian to answer that why did this fraudulent inquiry made when credit file was locked on XX/XX/2018. 
Could CFPB direct Experian to remove these fraudulent and disputed inquiries of XXXXXX/XX/P& C ( Inquired on XX/XX/2018 ) from my credit report, which were not authorized by me and also these inquiries were done without my consent. 
Could CFPB store my this complaints in the data base, FBI records, FTC records, crime, identification theft and misrepresentation/fraud activity records. I do not have any business with these XXXX XXXX XXXX and fraudulent inquiries for last 12 years. Also, Experian credit file locked on XX/XX/2018 and there should not be any fraudulent and unauthorized inquiries in my file. I do not have any business with XXXX XXXX XXXX for last 12 years, they are harassing me and doing fraudulent inquiries in my file using my name, social, address and various identification details.
Consumer complaint received 2022-08-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I sent out a letter to XXXX XXXX, XXXX and experian on XXXX/XXXX/2021. They have yet to get back ti me and it has been several months i think they are taking advantage of me and think i do not know what I am talking about. Please help me take care of this matter. They are not respecting me. They were suppose to respond back within 30 days and if they information could not be verified as accurate within those 30 days they are suppose to remove them.
Consumer complaint received 2018-11-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/XXXX I experienced a temporary financial hardship when a family member ( my mother ) passed away. Because there was a dependent family member living in her home, I had to maintain the home ( using money from my own funds ) to keep her home going. In addition to the death of the family member, Hurricane Harvey hit in XX/XX/XXXX which temporarily prevented me from selling my mother 's home ; the home was sold in XX/XX/XXXX. My attorney allowed estate funds to be released in XX/XX/XXXX. Maintaining two households caused a financial hardship. I communicated this to Bank of America immediately. I contacted a CSR in the XXXX, FL office and she assured me that once the loan became current ( once I got caught up on my payments ) the negative delinquent payment history would be removed. I sent documentation ( obituary, list of estate expenses, my bank statements, real estate listing agreement, copy of proceeds check ) to Customer Service routinely to keep them abreast of the situation. In XX/XX/XXXX I made a lump sum payment of {$14000.00} to become current on my mortgage loan. I have contacted Bank of America over and over again, and they refuse to correct the delinquent payment history. It has gotten to the point where I had to hire an attorney because Bank of America is giving me the run-around. Every time I send a document they write to me asking me for the same information in another format. The negative credit history, which occurred at no fault of my own, is harming me ... preventing me from obtaining a higher-paying job. It is despicable that someone in a financial institution would tell me that something could be done and then later, after the organization gets their money, they tell me it can not be done. This seems like fraud. Prior to and immediately after the hardship my payments were made in a timely manner.
Consumer complaint received 2022-03-13
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. (CA)

According to my experience my TransUnion is XXXX and XXXX  XXXX just got A score of XXXX which is inaccurate because I have proof underneath showing that my credit score XXXX I need this fixed and all the people that I applied for to be notified that my credit score is in fact XXXX also I am making a complaint on XXXX XXXX because I had nothing but exceptional payment with them and I have proof that opinion posted to my account so what I thought that I still had that money so I naturally wasted the money to pay other bills now I got AI got a message from XXXX  XXXX saying that they are closing my account without no notice and took away all my all my credit For nothing I need this fixed
Consumer complaint received 2022-03-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I sent out a letter to XXXX XXXX, equifax and XXXX  on XX/XX/2021. They have yet to get back ti me and it has been several months i think they are taking advantage of me and think i do not know what I am talking about. Please help me take care of this matter. They are not respecting me. They were suppose to respond back within 30 days and if they information could not be verified as accurate within those 30 days they are suppose to remove them.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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
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 — Account information incorrect
Company: Caliber Home Loans, Inc. (NY)

Caliber Home Loans mistakenly reported a late payment to my credit report. On multiple occasions, XXXX representatives, including managers, have verbally committed to removing the erroneous late payment credit reporting, but XXXX has failed to fulfill their commitment. Below is the background. 

On XX/XX/XXXX I made my regular mortgage payment of {$5800.00}. This was the amount of my standard monthly payment since XX/XX/XXXX. However, in XX/XX/XXXX, XXXX increased my mortgage payment to {$6200.00} to cover an increased escrow balance that resulted from my home insurance cost increasing. My XXXX payment did cover my actual mortgage payment as was confirmed by multiple XXXX representatives. 

Normally I would have logged into my account to see if my mortgage payment had changed, but during this time, XXXX had switched to a new website that used two-factor authentication and for unknown reasons the system would not recognize my phone number and thus I was unable to login and see my statement. I called XXXX many times in XXXX and XXXX to resolve this issue, but no one ever picked up my call even after I waited on the phone for over two hours. In the end, I only found out that the XXXX payment had not covered the full escrow requirement when I received a call from XXXX indicating my mortgage was late. I promptly took care of the additional payment after the call. 

In XX/XX/XXXX, I called XXXX and explained the above situation. The representative that assisted me indicated that XXXX was having problems with the new website and that I was having trouble getting phone support because XXXX was short staffed due to the XXXX pandemic. The representative reversed the {$70.00} late fee on XX/XX/XXXX ( which clearly indicates that XXXX took responsibility for the miscommunication that led to wrong payment ). The representative also indicated that the error would be communicated to the credit agencies and the XX/XX/XXXX late payment would be removed. On a second follow-up communication with another representative, the representative also confirmed that the error would be communicated to the credit reporting agencies and the late payment would be removed. 

As of XX/XX/XXXX all three credit reporting agencies still show a 30-day late payment. I have communicated in writing to Caliber Home Loans requesting resolution and have never received a reply.
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (SC)

I have been calling for the last couple months as well as sending letters to get this item from XXXX off of my credit report. for 1 I was XXXX years old when this account was established. 2 I have never signed anything showing ownership of this account. 3 I have tried numerous times to get this taken off my credit report and this company has done nothing to try and get this resolved. 

Dates Ive contacted the company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-21
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)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2018-10-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/2015. My financing is through Nissan Motor Acceptance Corp. My total purchase was {$28000.00} with 18.81 % interest and I have already paid {$19000.00} with only {$4600.00} going toward my principal balance as of today. So my current pay off balance is {$24000.00}. I agree that I did sign the contract because Everything was moving fast, the dealer did not take time to go over the documents, it literally took 10 minutes for me to sign all the paperwork. I feel like I was taking advantage of. I was approved for this loan with a credit score in the low 500s, {$500.00} down making {$40000.00} a year who rented and had XXXX small children. I was a prime target to default on my loan and potentially lose my car and ruin my credit. The dealer nor the bank even asked for proof of income. 

FYI I SUBMITTED A COMPLAINT UNDER MY MARRIED NAME THAT WAS CLOSED FOR THAT REASON
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (SC)

I opened a Citibank checking and savings account ( " Citibank Account Package '' ) online XX/XX/XXXX, XX/XX/2018 via their promotional link. The promotion stated that if {$15000.00} was kept in the account package for 60 days, Citibank would give me a {$400.00} bonus. They have up to 90 days to pay the bonus. I funded the account XX/XX/2018 with {$15000.00} split between checking/savings. On XX/XX/XXXX my savings account was charged a {$25.00} service fee. Their Account Package states that a balance of {$10000.00} must be maintained to avoid a fee. I contacted them on XX/XX/XXXX to inquire about the fee since I had {$15000.00} in the accounts. They said the accounts were't linked and that was the reason for the fee. I didn't understand as I have a screenshot from opening the accounts, clearly stating that it is an account package with my new checking and savings account numbers. They refunded the fee. I asked if this would affect my {$400.00} bonus and they said no, as the dip below {$15000.00} was due to their error. 

On XX/XX/2018 I received an email stating that I did not qualify for the {$400.00} bonus because " The required deposit balances were not maintained during the offer period ''. I immediately contacted them and they opened a bonus dispute inquiry on XXXX. I heard nothing and then contacted them on XX/XX/XXXX, where they said the problem was top priority. On XX/XX/XXXX I received a secure message that the bonus was denied. I opened up a new bonus inquiry on XX/XX/XXXX. I have heard nothing. 

The interesting thing is : my wife opened up the same Citibank Account Package at the same time using the same {$400.00} promotional URL. Her account was also incorrectly charged a {$25.00} fee on XX/XX/XXXX, causing it to dip below {$15000.00}. She opened a bonus inquiry on XXXX as well, and she received the {$400.00} bonus on XX/XX/XXXX. There is nothing different between these two situations. Why I am not getting my bonus because of Citibank 's error?