davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-02
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: STATE FARM BANK, FSB (IL)

State Farm- On XX/XX/XXXX someone from State Farm pulled my credit report. I am a vicitim of identity theft. I called State Farm on numerous occasions and was told to write a letter. I wrote 3 letters and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 

XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX  pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX  on numerous occasions and was told to write a letter. I wrote a letter and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 


XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told that the inquiry would be removed from my report. I never received a letter to confirm this and as of today XX/XX/XXXX it is still showing up on my credit report. ( XXXX  )
Consumer complaint received 2022-08-29
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: ENCORE CAPITAL GROUP INC. (MA)

This complaint is in reference and in accordance with the Fair Credit Reporting Act ; this is in reference to Mid land Funding account # XXXX and XXXX account # XXXX XXXX XXXX XXXX XXXX states that individual consumer, I, have the right to privacy 15 USC 1681section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-09-17
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. (VA)

After notifying Equifax that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Equifax, presumably accepted my request but without notifying me, converted my request to a dispute instead. Which is in violation of Then 30 days later sent me a correspondence stating they verified the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Equifax verify? Additionally, Equifax refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Equifax has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Equifax refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. Please help me get these fraudulent items blocked from my credit file. 
XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX {$5700.00} XX/XX/XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX   XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$24000.00} XX/XX/XXXX XXXX XXXX {$24000.00} XX/XX/XXXX XXXX XXXX  XXXX {$24000.00} XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$62.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX {$84.00} XX/XX/XXXX XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX Collection/Chargeoff
Consumer complaint received 2019-02-02
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. (GA)

to whom it may concern : A collection account is showing in my credit ( XXXX XXXX ), I have contacted the company several times and had filed a CFPB complaint .this company ( XXXX XXXX  ) had responded that they do not own this accoun, this is innacurated reporting by the credit reporting agency ( equifax ). 
this account should be removed inmediately from my credit report, for it to be a violation of the FCRA.
Consumer complaint received 2022-08-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (SC)

Going through refinance of original loan with cash out. Ordered appraisal of which mortgage company charged me for and I willingly paid. 
Appraisal of home completed XX/XX/22 @ XXXX Appraisal report completed and uploaded to their file by appraisal company ( notified of this on XX/XX/22 ). However was told by mortgage company employee ( Freedom Mortgage - XXXX XXXX ) that the appraisal report can not be disclosed until a notice of value is determined by the underwriter. As per her statement her managers instructions was that she can not disclose until this notice of value.
Consumer complaint received 2022-09-02
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. (VA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Virginia XXXX XX/XX/XXXX XXXX XXXX, XXXX and Experian To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Virginia XXXX
Consumer complaint received 2017-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation (GA)

I have contacted Telerecovery many times informing them that this debt do not belong to me. I have sent them a letter as recent as  XXXX   XXXX ,  2017  and I still have not received a response from them. I have asked that they send me proof of this debt that shows my signature and I have not received anything from Telerecovery. I need your assistance in getting this matter resolved and this account removed from my credit file.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (MN)

I ordered clothing from an on line seller/store XXXX XX/XX/XXXX XXXX paid for the product using my cashapp card. no product was received or shipped to me
Consumer complaint received 2019-02-02
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: SYNCHRONY FINANCIAL (FL)

I have disputed inaccuracies with 2 credit cards that were once reporting on my credit file. They were deleted after I disputed hard inquires within those 2 companies due to someone trying to open accounts with them Since my identity was stolen. Instead of removing only the inquiries they removed the entire account and history. My walmart/syncb account was reporting forn11 years and erased on or around XX/XX/2018 The 2nd accoubt was XXXX  platinum Visa which came off after a unauthorized hard inquiry as well in XX/XX/2018. I have sent in proof of both accounts being reported and it has caused a serious drop in not only my scores but the overall health of my credit.
Consumer complaint received 2021-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Escrow Refund Issues : - SunTrust Mortgage - Loan Acct : XXXX Loan closed with re-fi on XX/XX/XXXX. Funded to SunTrusXXXX on XX/XX/XXXX. Loadn payoff was processed and I have received multiple pieces of correspondence from SunTrust included the Recording of Cancellation of Deed to Secure Debt but no escrow refund. 

I have spoken with them several times and continue to get the runaround with no resolution. 

XXXX 's explanation - Check cut - XX/XX/XXXX Check mailed - XXXX Need to wait 30 days to receive and if no check, they will stop payment and reissue using the same process and I will need to wait another 30 days. 
They will not expedite the return of my escrow funds even though it is strange that I have no trouble receiving at least 10 pieces of correspondence from SunTrust. I suspect there is a process to hold checks to continue to collect interest. What is their reasoning -- there is none. They also will not send with any tracking information. 
I need my funds so I can pay my property taxes which are coming due but have no return of my escrow funds. 

Please help!
Consumer complaint received 2022-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-03
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. (TX)

XXXX  XXXX XXXX has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.
Consumer complaint received 2019-02-03
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. (TX)

XXXX XXXX XXXX has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.
Consumer complaint received 2022-07-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist has been diificult to work with from the beginning but has become worse and less organized since at least XXXX I fell behind on my payments due to the pandemic and was working on a modification in order to catch up. I kept dealing with issues that were addressed in a previous complaint, but in the process of getting a resolution I decided to sell my home. I informed Truist of my decision both via email on XX/XX/XXXX to XXXX XXXX ( the Client Advocacy Officer who was handling my complaint ) and via phone around the end of XXXX. I never received a response from my email. I accepted a cash offer from XXXX on XX/XX/XXXX. When I called to inform Truist of the pending sale, I was told to call back within 30 days of the closing so I could receive an accurate payoff quote. I asked if any additional information would be needed ; I was told no. The closing date was scheduled for XX/XX/XXXX as I had a tenant who was scheduled to vacate on XX/XX/XXXX. The title company for the sale requested a payoff quote on XX/XX/XXXX ( according to Truist ) and verified that there was a sale pending. My tenant did not vacate as scheduled and The closing date was pushed to XX/XX/XXXX in order to ensure the property was vacant at the time of closing. At no point in time did Truist notify me that additional information was needed and I verified several times that my account reflected that the house was being sold. I was contacted around XX/XX/XXXX by an adjuster sent by Truist to assess the property value and because I didn't know anything about it, I contacted Truist. I was then informed that the home was in active foreclosure, even though the person I spoke with saw notes that confirmed the house was being sold and was under contract. They had no explanation and suggested I contact the lawyer who was assigned the file. The lawyer had very little information to offer other than saying the sale wouldn't be scheduled for another XXXX months. I tried calling several times and the phone systems either hang up when transferring or the person on the line can't provide anything other than basic information. 

Due to Truist being disorganized, non-responsive, and providing little to no information or communication, I am paying additional lawyer fees that diminish the returns on my home investment. I sent another email to XXXX XXXX XXXX XXXX 'd the CEO because although I doubt any real actions will be taken to improve the service, I am frustrated by the lack of professionalism displayed from the bottom up. I will never choose Truist as a servicer for any of my personal or business accounts if I can help it. I thought about opening an account with the proceeds from the sale but seeing how my mortgage has been handled, I will invest elsewhere.
Consumer complaint received 2019-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/2019, I provided Western Union with my credit card to make a money transfer out of country in the amount of {$870.00} USD. The money was for the purchase of one pair of women 's XXXX tennis shoes. When the merchandise did not arrive and the merchant could not be reached, I filed a claim through Western Union. They were very uncooperative and did nothing to help me recover my money.

Western Union has a history of aiding and abetting fraud and they have an active settlement with the US government, however, my incident is to recent to fall under that settlement.
Consumer complaint received 2022-09-02
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Virginia XXXX XX/XX/XXXX XXXX XXXX, Transunion and XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Virginia XXXX
Consumer complaint received 2019-09-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Thrivepoint Financial Holdings, Inc. (CA)

This is in regards to the XXXX Loan Program. I had the insulation in my home redone and the contractor suggested this new program in XXXX of 2016. Sounded good as it put people to work and possibly tax deductible. Was not told that payments would not be made in the first year which leads to a negative amortization situation over the first years of the program. We owe more now than what we actually paid for the service and have made two years of payments. In the payoff statement I am including, the company is asking for {$2100.00} in interest payments for 2 months. The initial service was only {$7200.00}. 

I was also lead to believe early and additional payments could be made without penalties or extra fees. The website charges {$50.00} for a payoff statement and does not give any information regarding early payments. This is a bad situation for homeowners with may pitfalls.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022 I took my car to XXXX XXXX for an oil change. I have been going there for many years. Standard oil change is {$29.00}, this is what I asked for. When the pil change was finished I was billed {$91.00}. I was told my car requires a synthetic oil. That is false my XXXX yr. old car does not require synthetic oil. I specifically asked for the standard oil change. I had to pay the {$91.00} otherwise they would not permit the car to leave the property. 

I filed a dispute with Capital One, providing all of the documentation that they requested. 
My dispute was denied.
Consumer complaint received 2022-09-02
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. (WI)

My ex and I had a joint auto loan with XXXX for her car. She traded her car in for a new car, in which I am no longer a cosigner. We talked to the people at XXXX over the phone to explain that this is what we were doing to make sure there would be no problems, and they said okay. XXXX took too long to process the payment, and marked it on my credit report that that it was 30 days past due anyways. I have tried to dispute this with XXXX and the dealer, but both basically said " don't know, don't care, not our problem. '' I filed disputes with XXXX, Experian, an XXXX. Two of them have not gotten back to me yet, but Experian sends me a notification within a couple of days saying the dispute is ready, but refuses to fix the issue. Seems like they just call XXXX, XXXX says " nah, '' and Experian is like " okay '' and refuse to look into it further. They will not take an explanation or a statement from me in my own words, nor do they care about the pictures of the contract that I submit showing the transaction was done well before the 30 day mark.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AZ)

Im accordance with the fair credit reporting act. Convergent outsourcing inc. client account # XXXX convergent account # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states I have the right to privacy 15 u.s.c 1681 section 604 A. Section 2 : it also states a consumer credit reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (CA)

Hello, Square up processing payment is taking advantage of my hard earned money and hours of work. I usually work 12 hrs every day to survive. After square presented to me some disputed payment I presented back all the evidence that rides were completed from my end and also with customer information ( first and last name, email, billing address ) square inc is unfairly withdrawing money from my bank account and after 90 days square is responding that payment was returned to customers bank. 

I opened my account with square payment less than 2 months and I have loss of {$610.00} This is hardship and wage theft. This is highly illegal that my money is taken after the rides were completed.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2019-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association (VA)

I have dispute this collection acct # XXXX several times asking for validation of this debt and proof of my signature which i NEVER received. The company CBSA collections has not provided me with a copy of any viable evidence. Given that i believe this company is acting in bad faith and have violated federal and state laws by not responding with in 30 days of my last dispute on XX/XX/2018, and it is now well over 30 days from that date and no response or viable evidence was mailed to me. this is my late attempt to get this collection remove due to the company not complying with federal and state laws of the 30 day response window. If this acct is not removed with in 30 days of this complaint i will be filing a SMALL CLAIMS LAWSUIT as well as a Public Press Release against this company for breaking federal and state laws as well as FDCPA and FCRA as it states any information/ debt on your credit report must be 100 % accurate and 100 % verifiable or it must be DELETED. I have carefully collected my records, evidence, and receipts for court purposes due to CSBA 's noncompliance for the past several months. I have even disputed with equifax as well and CBSA verified the debt while i was still in dispute with them which shows they failed to comply with federal and state laws again when it states that " all collection activity and communication must cease during their dispute. '' This account must now be Deleted due to CBSA not following the laws and procedures set in place on the federal and state level. i hope this matter can be resolved outside of court but if not i will have to move forward with the next steps in the court process. 
Thank you