davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to TRUIST BANK to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FTC Report XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards.

I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TRUIST BANK conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TRUIST BANK will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have my loans through myfed loan and am participating in federal student loan forgiveness program. I have been paying my loans for 10 years. I dont believe my count is accurate. I asked for them to recount my payments 13 months ago in XX/XX/2020. I have called 7-8 times to check on the progress and the customer service says they can provide no update but it should be completed in a year. Its been over a year. When I called in XXXX to ask if I could be in contact with whoever was doing the recount, I was told no, they would send a message and have someone contact me. There has been no contact, its been over a year.
Consumer complaint received 2016-01-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (NY)

An individual by the name of XXXX XXXX has repeatedly called my landline house phone claiming to collect a debt that he will not specify. He claims to be a representative of Municipal Services Bureau and only provides this phone number XXXX. I do not know of any debts I currently owe to this company which is based in Texas. When I called the number to inquire about the debt I owe, I was kept on hold for almost an hour and spoke to no one.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: DAS ACQUISITION COMPANY, LLC (MO)

Included with this complaint you will find the closing disclosure provided to me on XX/XX/2016 by DAS Acquisition Company LLC ( DAS ). As you will see the closing costs disclosed totaled {$2200.00} ( page XXXX ) - this number includes {$2300.00} in loan costs + {$7100.00} on other costs - {$7300.00} in lender credits. Therefore, my cash to close totaled {$0.00}, as disclosed on page XXXX. HOWEVER, it is the practice of DAS to require borrowers to agree to the additional attachment provided which requires me to bring in {$4800.00} to close. I believe this practice by DAS Acquisitions Company LLC DBA as USA Mortgage is intentionally set up to circumvent the requirements of Regulation Z, specifically the disclosure requirements of TRID. If nothing else this closing disclosure and accompanying document should be considered an unfair deceptive act or practice as one document leads a borrower to believe their cash to close is XXXX when what is truly happening is the lender is disguising a lender credit as a borrower 's true cash to close. DAS should be required to comply with Regulation Z and truly honor the lender credit as disclosed in the closing disclosure and therefore my cash to close would truly be as disclosed on the closing disclosure {$0.00}. I would also recommend that this complaint be expanded to identify any other impacted consumers. A lender should not be allowed to issue conflicting closing documents. I am not sure if this is a sales tactic or a way to avoid having to verify assets of a consumer and doubt this document is provided to the final investor as it would make the closing disclosure in violation of Regulation Z.
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I wrote a check on XX/XX/XXXX, Check Number XXXX for {$390.00}. I got home and realized store misrepresented sale, called my bank at ( XXXX ) XXXX, requested they stop payment on the check, which had not yet posted. 
When it posted on XX/XX/XXXX, recalled Bank, told me I had to file a different type of claim. I went into my branch to sign documentation onXX/XX/XXXX and told Bank would not assist me.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This is a fraudulent account. Ive never done an business with XXXX XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with PORTFOLIO RECOVERY ASSOCIATES several times to no avail. PORTFOLIO RECOVERY ASSOCIATES refuses to provide me with the documentation Ive demanded them to provide me with, PORTFOLIO RECOVERY ASSOCIATES, refuse to remove this account out of my name and off my credit report.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC (TX)

XXXX XXXX called my job looking for me. Instead of sending me documents by mail, and not calling my regular phone. I think its a scam. He called from National Credit Adjusters XXXX ext XXXX
Consumer complaint received 2024-02-21
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. (NC)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account Number:XXXX Please investigate and delete it from my credit report. 

XXXX - Account XXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX  - Account NumberXXXX My parent has the same name as me. 
Account NumberXXXX Please remove it from my credit report.
Consumer complaint received 2021-03-25
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: CITIBANK, N.A. (CA)

I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (PA)

This is a fraudulent account. Ive never signed up for anything with XXXX XXXX or XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with ABILITY RECOVERY SERVICES , LLC, several times to no avail. ABILITY RECOVERY SERVICES , LLC, refuses to provide me with the documentation Ive demanded them to provide me with, ABILITY RECOVERY SERVICES , LLC, refuses to remove this account out of my name and off my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following account : XXXX : XXXX
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WI)

For the last 3 weeks Seller and title company have been trying to locate mortgage holder. No one has been able to help us or point us in the right direction. This loan was paid when they refinanced in XX/XX/2013and not satisfied. Mr . Seller is trying to sell the property before going into foreclosure, wife just passed and not getting anywhere with getting help with payoff OR satisfaction on this lien
Consumer complaint received 2017-12-07
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. (PA)

My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. These fraudulent accounts are as follows, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX. Ive advised XXXX and Transunion of this. Ive disputed the validity of all of these accounts with XXXX  and Transunion as well as those listed collection agencies, several times to no avail. XXXX and Transunion, along with those collection agencies refuses to provide me with the documentation Ive demanded them to provide me with, XXXX and Transunion refuses to remove these fraudulent accounts out of my name and off my credit report.
Consumer complaint received 2016-08-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

This is my XXXX complaint with Ditech and XXXX. This situation has been ongoing since XXXX XXXX. I 'm doing everything I can to keep my home. Ditech foreclosed on me XXXX XXXX, XXXX and after filing my XXXX complaint with CFPB they rescinded the foreclosure in XXXX XXXX. At the current I 've been paying rent on my home. 
A new appraisal was done to get the true value. The new price is {$69000.00}. The foreclosure price was {$98000.00}, my underwater price was over {$100000.00} dollars. The agent has requested several times for a price I would have to pay to get my home back, but has yet to receive an answer. They will not let me or my son purchase it for the new appraisal price even though they are allowing someone else to do so. I just want a fair price so that I can keep my home. 
XXXX have stated in a letter that I have the option to purchase but have yet been given that option. If any help can be done by your company it will be deeply appreciated. 
Sincerely XXXX XXXX
Consumer complaint received 2021-03-25
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)

My issues is with XXXX XXXX, XXXX, Experian and XXXX. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and XXXX is showing that the account is open with Current payments after being charged off. 
XXXX I requested that XXXX , Experian and XXXX remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, XXXX has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid 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 (NY)

From what I remember correctly was XXXX XXXX was charging me for something I have not purchased. Which is why I refused to pay. Given at the time I was younger and not really in tuned with the consequences. I should had paid first than dispute but I simply refused to pay for something I did not purchased. Finally I just got agitated, called the company, paid it off i full and closed the account. I did not want nothing to do with them.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Several unauthorized charges totaling in {$790.00} in a span of 5 months to XXXX XXXX. I filed a claim with Bank of America that was later denied because the charges were low amounts that span through 5 months. I don't have video games or any children. 

photos of transactions attached
Consumer complaint received 2017-12-07
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: EQUIFAX, INC. (NY)

I have always leased XXXX 's in the past but after this I do n't believe I will. I recently returned my previous XXXX XXXX lease for a new XXXX XXXX lease. The next month I had an emergency where in my parents home country of XXXX suffered a massive earthquake in XX/XX/XXXX that brought pain and destruction to many including my family. I went to XXXX once I was able to in early XX/XX/XXXX and stayed til early XX/XX/XXXX. In the mist of buying things for reconstruction, and attending so many families home that needed some form of repair, at a local hardware store someone had stole my identity and I froze my accounts just in case. 

I completely was not thinking about everything in the mist of that moment, but since i was n't in the states I said I 'll be back soon and everything will be okay. Every other company I was in debt with understood my story and did not penalize me other than XXXX XXXX XXXX XXXX. Months stamped late were XX/XX/XXXX & XX/XX/XXXX. 

As soon as I came back i paid them in full for 2 months and they decided to care about my story. I ask that this please be removed from my credit. I ca n't believe this is still haunting me, because I 'm trying to purchase a home and those late payments really effect my score. Please help.
Consumer complaint received 2024-02-21
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # DEPT OF EDUCATION/XXXX account number : XXXX Account name : XXXX XXXX XXXX Account number :, XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (IL)

In Middle of XXXX of 2020 I had contacted American Express about putting a COVID hold on my account due I was not sure what was going on with work. When I spoke to the lady on the phone she told me that they placed a it under the COVID forgiveness for the next 6 moths and if I didn't make a payment I would not get hit on my credit. I unfortunately got hit with a 30day late on my account for XXXX. I been trying to contact and speak to them but they stating that there is nothing they can do about it. I feel like this is an error on their part. I don't have any late 's ever on any of my cards nor this account. If they would have not said not to worry about the credit reporting i would have done what I could to even make the minimum payment.
Consumer complaint received 2018-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Over the past ten years, received exceedingly prolific amounts of unwanted mail offering Capital One Credit cards. This large amount exposed me to an increased risk of identity fraud, listing my name and address along with blank application forms for their cards.

I recently received a statement for a Capital One card I had never applied for or used, leading me to believe that either : a ) Capital One opened an account in my name without my permission or b ) Capital One 's many advertising forms requesting that I apply for a card exposed me to additional risk of fraud and someone else opened the account in my name, having most of the required information to do so from these unsolicited advertising pamphlets.

I have since spoken to XXXX from Capital One 's fraud team, who has assured me the account has been closed ( Capital One Case # XXXX ), but could not yet provide me with a letter in writing of this closure or any unique reference numbers of their report to a credit bureau for 60-90 days. Additionally, I have had to file a police report ( XXXX XXXX  PD # XXXX ), create accounts and reports with the identity theft agency ( # XXXX ) and request an individual fraud alert of my own ( XXXX # XXXX ) without the corresponding filing number for the report allegedly filed directly by Capital One.

The entire process for rectification has put the onus on the victim to rectify without any compensation for time required or stress caused by Capital One 's irresponsible and aggressive advertising methods ( in its best light ) or direct actions of opening an account on my behalf without my consent ( in its worst light ).
Consumer complaint received 2017-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

more than six months ago my account was disabled for no apparent reason, I tried to communicate by all means existing with coinbase but I do not receive any help, only emails to delay the help, I have all my funds there and I need to solve the problem what before The Coinbase support is really bad and they dont try yo help at all