davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX  XXXX {$2600.00} DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX {$2500.00} DPT EDXXXX {$4200.00} XXXX XXXX {$530.00} XXXX XXXX  XXXX {$520.00} US DEP ED XXXX {$6300.00} XXXX {$5400.00} XXXX  XXXX {$540.00} XXXX  XXXX {$530.00} XXXX XXXX {$700.00} XXXX {$1000.00}
Consumer complaint received 2020-05-18
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. (NC)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX  XXXX {$2600.00} DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX {$2500.00} DPT EDXXXX {$4200.00} XXXX XXXX {$530.00} XXXX XXXX  XXXX {$520.00} US DEP ED XXXX {$6300.00} XXXX {$5400.00} XXXX XXXX {$540.00} XXXX  XXXX {$530.00} XXXX XXXX {$700.00} XXXX {$1000.00}
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/2021, opened a checking account at the XXXX XXXX XXXX, FL branch with a check made out to me on another SunTrust bank account in the amount of {$25000.00}. I withdrew cash from this account as I was not immediately given a debit card. I withdrew money 2 more times and paid some bills. 

While on vacation, XX/XX/2021 still without a debit card, attempted to make a withdrawal and was advised at the branch in XXXX, GA that I couldn't make any withdrawals, the teller couldn't tell me why, just to call customer service. 

Within the hour, I called the customer service number I was given and was told my account was " in the process '' of being closed. I still wasn't given an explanation as to why. I asked for a supervisor, who also told me the same, just that my account is under investigation. I of course, became furious. I continued to call each day to try to get any information. Still, nothing. 

I went directly to the branch I opened the account and spoke with the branch manager, XXXX ( don't recall last name ) who was very friendly, called her know department and was given the same information. She also advised this was unacceptable. 

Upon my calling daily, I was then connected with a " client advocate '' XXXX XXXX. He also could give no explanation, as with everyone else he said it's under investigation with the " back office ''. 

I again advised of the hardship this is putting me and my family through. I had lost my job due to Covid and my unemployment compensation had ceased. This is all I have to pay bills, put food on the table and other day-to-day necessities. 

This has been of no concern to SunTrust or any person I have spoken with in the SunTrust company, except the local branch manager, XXXX. She even brought me a cake and flowers on XX/XX/2021, as that was my Birthday. 

I was told on XX/XX/2021 that my money was being mailed to me. I couldn't be told HOW this {$23000.00} ( estimated ) was being sent. US Mail? Certified mail? XXXX XXXX? No one knows. 

I find this and every action to be very irresponsible from a Financial Institution as SunTrust is. How no one can tell me where this large sum of being can be located??? Was it simply dropped in the mail by a mailroom clerk? 

I have taken to Social Media and soon discovered that I am not the first or only customer to experience this from SunTrust.

Again, completely irresponsible and unprofessional.

I am and will continue to tell everyone, essentially my teenage children and their friends who may be potential victims of SunTrust in the future. 

Very disappointed customer, XXXX XXXX
Consumer complaint received 2020-05-18
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 — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (SC)

This account max delinquency date is from sometime in XXXX. The account itself was charged off on XX/XX/XXXX. XXXX  is still reporting SLS 's account as XXXX verified in XX/XX/XXXX per a conversation with SLS that the account max delinquency date was in XXXX! This is incorrect and inaccurate information. I need a letter from SLS to provide XXXX that clearly states that this account was charged off on XX/XX/XXXX. I have spoken to my point of contact XXXX at SLS several times and he has been more than helpful but there is only so much information he can provide. The payment history he has given does show the charge off on XX/XX/XXXX but it is not clear enough for XXXX.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX Potentially Negative Status Transferred, closed. 
Account Type Education Balance - Date Opened XX/XX/XXXX Dispute XXXX  XXXX  XXXX  XXXX  XXXX Potentially Negative Status Open. 
Account Type FHA Mortgage Balance {$110000.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I have sent several complaints to XXXX  and Equifax about fraudulent accounts and inquiries ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  ), Fraudulent Inquiries : 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 XXXX   XXXX, XXXX/XXXX, XXXX/XXXX. Please stop closing these complaints and not investigating my claim. There is no credit repair company helping me I, XXXX XXXX is the only one disputing this fraudulent charges and inquiries. Existing complaint numbers XXXX, XXXX, XXXX. My job and top secret clearance is in JEOPARDY because of these fraudulent accounts and Inquiries. I have to provide for a family of XXXX.
Consumer complaint received 2020-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

In XX/XX/2019, I moved from XXXX, PA, to XXXX, NY. In Pennsylvania, I had a checking account at Wells Fargo, specifically at the branch located in XXXX, PA. 

After moving up to XXXX, I transferred most of my remaining funds from the Wells Fargo account to a bank up here. I called Wells Fargo to ask about closing my account, and they told me that the only way they could do so would be if I were to present myself in person at a Wells Fargo office. There is only one such office here, but it turns out to be only an investment brokerage, not a bank branch. The people at the Wells Fargo office in nearby XXXX XXXX, NY, told me that the closest branch of their bank was in XXXX, NY, about 2.5-3 hours drive from here ( XXXX is about 4.5-5 hours drive from here ). 

I've been too busy creating a new life here to drive 5-10 hours round trip just to close a checking account, so I let it slide. I've done so before, and banks have simply closed my account. However, I realized recently that a company in which I own some stock, XXXX XXXX, has been continuing to direct deposit small ( {$15.00} ) quarterly dividend checks at the Wells Fargo account. Wells Fargo has, in turn, been charging me a monthly below minimum balance fee from those checks.
Consumer complaint received 2020-08-30
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: CORELOGIC INC (TX)

Core Logic / Credco accessed my credit report without permissible purpose. I sent two letters with my SS # requesting the authorization used to access my credit. I receive form letter stating there is not enough information to process my request. Form letters are the norm of large companies.
Consumer complaint received 2020-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (FL)

I have been receiving written and telephonic communication from Maury Cobb Attorney at Law LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. They are trying to collect a debt for XXXX in the amount XXXX. The problem is I have NEVER had a XXXX account until they closed on their purchase of XXXX within the past couple of months. I had XXXX/XXXX   for over 20 yrs until I changed over to XXXX in XXXX of 2019. I have a son who has the identical same initials as I though his middle name is different. I have lived in XXXX XXXX for 19 yrs  he has lived in XXXX XXXX about 4 yrs. previously he lived in XXXX and XXXX. Previously I have lived XXXX and XXXX. I spoke to my son he said previously that he has had XXXX XXXX. Could not remember when though. He said it has been quite a while ago while living in XXXX or XXXX. I have written to Maury Cobb Attorney at Law LLC. I have also talked to them on phone several times. They never responded to my written requests and on telephone have been very nasty and said that they have my name do it is mine and hung up. In addition this is showing my under collections on my credit report and is negatively affecting my credit score. The past 6 months I have been attempting to correct this mistake and they have refused to correct it. I am trying to clean up my credit acct. I have no late payments and currently current on all the payments.
Consumer complaint received 2022-08-12
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. (NY)

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and update it from my personal credit file. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

The list of attachments are self explanatory on detailing the mortgage servicing on my home equity loan originally entered on XXXX by XXXX  XXXX and transferred 3 times ending with Carrington Mortgage LLC. This complaint goes directly to problems and discrepancies on a loan modification agreement entered XX/XX/XXXX. Carrington has reported late payments to the credit bureaus which has inhibited my credit. I followed the terms of the modification agreement paying {$500.00} for three months before my application was approved. I was advised I had a credit or balance on the escrow account. This came from escrow deducting XXXX for homeowners insurance which I had already being paying monthly to XXXX XXXX making this a double monthly payment to homeowners insurance. Speaking to supervisor XXXX XXXX he stated I needed to send a hand written letter to escrow dept. to either stop taking the money out or a refund or possibly applied to XXXX and XXXX payments. I then received a letter stating my account would be drafted {$420.00} on XXXX XXXX.I was advised that no money had been applied to XXXX and XXXX and they do not return money from escrow and the homeowners insurance would be paid by Carrington and it was part of the modification. 
That has all been remedied by a double payment in XXXX of {$840.00} and another deduction on XX/XX/XXXX for {$420.00}. I have not been late on my payments I contacted XXXX representative and had him on a 3rd party call with the advocacy department and after no resolution to why they are reporting me late he referred me to CFPB and wished me good luck. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

There has been a bankruptcy on my credit report for two years. I have disputed it with the credit bureaus who advised me they received the information from XXXX XXXX. I then, disputed it with XXXX XXXX, who could not verify the bankruptcy and sent me a letter stating the removed it. I then sent the XXXX XXXX letter to the 3 credit bureaus and in return, only XXXX removed the bankruptcy from my credit report.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I made a merchant dispute with TD Bank in XX/XX/XXXX and received provisional credit. On XX/XX/19 part of the provisional credit was removed 56 business days after the dispute was opened. The portion of the dispute that was taken back by the bank caused my account to go negative, the bank then charges me an overdraft fee of XXXX dollars although the XXXX dollar fee was not associated to when i received the provisional credit. The bank told me that they could charge me the XXXX fee although the account going negative was a direct cause of them removing the provisional credit, my account had a positive balance before hand. I find this type of business to be unethical and fraudulent. This is an excessive fee!
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX  XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XX/XX/XXXX, XX/XX/XXXX, FL XX/XX/XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXARS ACCOUNT RESOLUTION XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX  XXXX XXXX, XXXX   Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XX/XX/XXXX, XX/XX/XXXX, FL XX/XX/XXXX
Consumer complaint received 2020-10-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent letters out over 60 days ago and still haven't gotten a response from anyone. These clowns have been past there 30-45 day timeframe. I feel like they are ignoring my letters.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

Please See Attached Files... .I have made numerous dispute attempts with Equifax to rectify a public record reporting inaccurately. In previous dispute attempts I provided documented proof of this public record being removed from other credit bureaus. Also, in addition Equifax has claimed to have been provided the public record information from a 3rd party ( which is illegal ) and furnished it on my credit report without my consent. I have attached a copy of my suppression confirmation from XXXX so I question the validity of Equifax 's verification of this public record being reported to my credit report. ( I have provided confirmation of said suppression from XXXX in attached file ) I have made reinvestigation requests to Equifax, which they have not honored, I have requested documentation of proof that this account belongs to me, which they have not provided. This, and many other unlawful practices made by Equifax, is in clear violation of my consumer rights under the FCRA under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b. I ask that this bankruptcy be removed from my consumer report immediately
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Please refer to the following CFPB complaints previously filed by me. They describe what happened. 

XXXX XXXX XXXX I'm attaching a file that is a letter from Synchrony Bank clearing my responsibility for the charges. It states " you didn't make these purchases, so you're not responsible for them ''. 

The dentist and Synchrony committed identity theft. They do not have a CareCredit application signed by me. When they closed my CC account, it had a balance due of {$5600.00} which were charges for procedures that were never done. I wish to file suit against them both for the time, effort and XXXX  I experienced for 14 months trying to clear that balance. Also, I wish to recover {$1700.00} I paid to an attorney to help. He sent a certified letter, made several phone calls, and XXXX XXXX never responded to any of that. Both were very negligent in their responses to my disputes. The dentist ( XXXX XXXX, now XXXX XXXX ) never responded to anything but the CFPB complaints. They lied in those responses about some things.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I applied for & requested forbearance related to Covid-19. In XX/XX/2020 I requested an extension due to unemployment related to the COVID-19 pandemic. Rushmore states they offer forbearance in 90 day increments & that it is possible to request additional 90 days and that I would be contacted within 10 days regarding the matter. However, what I received next was a certified letter stating my home was in foreclosure with a sale date already set for XX/XX/2020. Thats one of my complaints. The other is my home was in foreclosure with a sale date of XX/XX/2020. But Rushmore cancelled/ withdrew that foreclosure/sale date then the pandemic hit & as I previously said I feel they put it into foreclosure wrongfully due to Cares Act and their forbearance policy related to Covid 19. But I also feel it was wrongfully put into foreclosure because they withdrew the foreclosure in XX/XX/2020 and I live in the state of Ga and according to XXXX. XXXX Ga code XXXX. XXXX the withdrawal should have reinstated the indebtedness on the terms & conditions existing prior to the acceleration and furthermore if they were to choose to foreclose at a later time there were certain rules they should have followed, certain notices I should have received & if I applied for forbearance I did not violate the contract or miss 120 days of payments which by law is the amount a mortgagor must be behind on before foreclosure process can begin. Thank you for your time and attention to this unjust matter.