davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/ 2022 Truist bank, XXXX XXXX nc. forgot to send or lost my annuity transfer papers to XXXX XXXX XXXX to have my annuity transfer FOR FREE to a new IRA account at truist in XXXX XXXX transfer forms and new IRA account were signed XXXX, XXXX 2022 with investment advisor at Truist. i never found out until XX/XX/ 2022 that the funds were never moved when i wanted to purchase a new annuity. the funds auto rolled over into a 5-year annutiy in XXXX 2022 i did not want at a lower interest rate that a wanted. now it will cost me {$18000.00} surrender fee to move to funds. app. {$290000.00}. i have made complains to XXXX XXXXXXXXXXXX FILE XXXX, FDIC CASE XXXX XXXX WITH NO HELP. When i first found out the funds were not moved truist lied to me or misinformed me, what they stated. long story short truist refuses to do correct their mistake. I HAVE A LETTER FROM TRUIST STATING THEY WERE SORRY FOR THE ERROR AND INCORRECT INFORMATION I RECEIVED. BUT REFUSE TO CORRECT THEIR MISTAKE. I HAVE ALL DOC OF PROOF, BUT WEB SITE WOULD LET ME LOAD????????, CAN MAIL IF NEEDED.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried reaching out to this Bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit report!
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

For last 80 days I have been trying to close my second home mortgage with SunTrust bank aka Truist, through out the process the Suntrust team was not able to keep up with regular updates on my application, finally I have given up on my refinancing application with them. The company has had a lot of internal system integration issues that has caused the delays but in this process they have charged me {$1100.00} as deposit for processing my application which the company is now refusing to refund. A simple task like completing appraisal took them 2+ weeks to contact with me as they had no proper channels of communication. I feel that because I am existing customer with the bank I was not offered fair lending terms, charges too many points for the same mortgage. 

Application process start - XXXX was offered lock on rate for 90 days with $ XXXX as estimates value ~75 % loan to Equity ratio my appraisal came @ XXXX, original loan application was just under my name. I was encouraged to add my wife a co-borrower once I did that the cost for loan changed dramatically + $ XXXX. Why was this required? my personal income to debt ratio can easily support the necessary refinance but my loan officer asked to me add my wife as co-borrower who has lower credit score than me. My credit scorXXXX ( XXXX ) my wife 's score is ( {$690.00} - XXXX ). I was offered 1 point discount before then all that was changed as we now had my wife on the application who has lower credit score. 

My issue - Unfair lending practices. 
- Misleading customer about discounts, fees and points my cost for loan changed dramatically and now I was locked into it after my rate was locked they updated the disclosures. 

Loan Officer - XXXX XXXX, XXXX XXXX Mortgage Loan Officer XXXX SunTrust now Truist XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX Office ( XXXX ) XXXX | Toll Free ( XXXX ) XXXX ext. XXXX | Fax XXXX Mail XXXX XXXX Processing contact XXXX XXXX Mortgage Loan Processor, XXXX Campus | SunTrust now Truist XXXX XXXX XXXX XXXX 

XXXX, FL XXXX XXXX : XXXX Fax : XXXX
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NY)

XXXX was my previous cable provider : account number XXXX. The account was paid in full before transferring to XXXX. I never received anymore bills after my last payment of {$370.00} on XX/XX/2017. Recently, after multiple attempts to get my last bill. I just received a XXXX bill of {$170.00} for XX/XX/2017 that I do not owe. There is an amount of {$250.00} on my Equifax credit report that I do not owe negating my credit report. I would like this information to be removed from my credit reports.
Consumer complaint received 2021-07-19
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: HCFS Healthcare Financial Services of TeamHealth (PA)

On XX/XX/2020, ACCOUNT RESOLUTION SERVICES ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX FL, XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sol and I am no longer responsible for the account. I've written a goodwill letter, called multiple times and provided proof of fraud activity goin on my name. I was told from one agent it will be removed and I have received no efforts.Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature doesnt not validate the debt and anybody can send me a bill and say its mine. According to the FCRA, ( ACCOUNT RESOLUTION SERVICES ) has violated my rights as a consumer and im requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (SC)

These hard inquiries have been on my accounts and I do not recognize them at all, I have made multiple calls to the fraud departments at XXXX, Equifax, and XXXX however no one assisted me. I am attaching an identity theft report to this complaint. 
Hard inquires that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  ( RAN ON MY REPORT 3 times ) XXXX XXXX XXXX XXXX XXXX  Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i XXXX Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

For months I been contacting ERC to removed derrogaroty remarks out of my credit report. I own XXXX  credit card with XXXX for 15 years or more, before covid started I put myself behind, NEVER in 15 years late, with a total line of credit of {$8000.00} never used. 
My Dad got XXXX anf priorities shifted, I still called them and I was unemployed in XXXX for 6 months and I keep them informed. In XX/XX/XXXX I resolved this debt in a settlement of {$900.00} with ERC the cpllction company XXXX  used to collect, they pulled the wrong amount due to being made over the phone with a debit card ( never again ), they pulled {$1200.00} so the bank reimburse me for {$330.00}. I called them in XXXX I told them I needed to be reported diferent in my credit since I have already paid, they advise me to talk to XXXX  that they do not do any reporting. Is been a a totally struggle and right now this account is preventing me to refinance my home. In XXXX XXXX I sent letters to XXXX XXXX the 3 credit bureau XXXX to XXXX XXXX after hearing the shoking news that my account have not been paid, this letters included copies of bank statement, letter of settlement and they still doing nothing about it. I also faxed the probe to them and e mail the satements This is unfair dealing I had paid this account in the settlement they agreeded upon which was {$900.00}. I need them to fixed I called the Law firm  XXXX XXXX and a lady by the name of XXXX XXXX said that they been handling my case as a complaint not as a dispute and that allow them to revised ONE more time the documents I Sent XX/XX/XXXX to her e mail at XXXX and give them 5 days to call back for the status. 

XXXX of XXXX showed amount pulled by ERC-XXXX  XXXX XXXX XXXX on XX/XX/XXXX transaction Statement of XXXX showed amount of {$330.00} a provisional credit from transaction XXXX.
Consumer complaint received 2021-07-19
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. (VA)

I have disputed a bankruptcy that is appearing on my credit report ( s ) multiple times as having incorrect information and therefore causing me to think I was a victim of identity theft. Ive disputed multiple times, and even requested them to provide me with the the method of verification. When I was supplied the method of verification, it even listed a completely different court than is currently showing on my credit report. I need the bankruptcy that is showing on my credit report removed as soon as possible, as the incorrect information is damaging my ability to obtain credit and hurting my good name.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

On or about XX/XX/XXXX, I was informed that Convergent Outsourcing has been attempting to collect a debt that is not mine. I called to discuss the issue with Convergent Outsourcing, the debt collector, on XX/XX/XXXX and was informed that they have no proof or validation of this debt, but will continue to report this information on my credit report. 

I have filed an FTC Identity Theft report, which is attached hereto. 

I have been XXXX and XXXX since XXXX and I am unable to XXXX, XXXX, or XXXX  any contracts without assistance. I have attached my Indiana state ID card that shows a medical alert that I am XXXX.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

I WAS charged- oner XXXX in fees. My son ( dob XX/XX/XXXX ) was charged over {$1500.00} in fees. their time ordered deposit recognition is a joke- same day? FEES!!!! OMG
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Designed Receivable Solutions, Inc. (CA)

Hello Today I have received a called from my son that Designed Receivables ( collection agency, called him, to leave me a message that I was going o be served at my worked place, I have been trying to solve this situation with the collection agency for months Maybe more that a year already, only thing that they do is re ager the account, and increase the amount " owned to them '' is this even legal?
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/2020 {$280.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Consumer complaint received 2024-02-26
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. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( 5 ) XXXX XXXX XXXX XXXXXXXX, ( 6 ) XXXX XXXX XXXX XXXX XXXX ( 7 XXXX XXXX XXXX XXXX XXXX XXXX ( 8 ) XXXX XXXX XXXX XXXX ( 9 ) XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2021-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Avant Holding Company, Inc. (ID)

I was approved for a loan with Avant in XXXX. This loan was settled as of XX/XX/XXXX. On XX/XX/XXXX I received a credit monitoring alert that I had a late payment. I emailed their support team via a support email provided on their website with no response. On XX/XX/XXXX, I received an alert that I had a balance of {$7000.00}. I checked online with my Avant account and it showed a {$0.00} balance and that the loan was settled. I called and was hung up on three times before finally getting through to someone who transferred me to a " payment specialist ''. XXXX verified that I did have a {$0.00} balance and told me to email their resolutions department and attach any details. I sent my XXXX credit report and screen shots of my account showing {$0.00}. I can not get through nor get a reply. They violate the FCRA by 1. ) reporting 4 years after the account is settled, 2. ) reporting the account as " charged off '' rather than " settled '', and 3. ) reporting that a balance is owed when my account clearly shows a {$0.00} balance. I have disputed this to all three credit bureaus, filed a complaint with the XXXX and am now publishing a complaint here.
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I had requested a payoff and paperwork back in XXXX and never received-I have disputed fees, amounts and have not received a full paperwork trail from the time loan was opened which they should have records of. I need this information for my attorney asap and keep getting runaround. Amount listed on payoff on previous complaint doesn't match recent statement-amounts keeps varying by thousands every month and it appears to be fraudulent.
Consumer complaint received 2021-12-08
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: Experian Information Solutions Inc. (TX)

I HAVE FRAUDULENT ACCOUNTS LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES. 

PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-07-19
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

A late payment is reported on my credit report. WFDS had my wrong address, I wasn't receiving any mail-in statements or bills. Online website was changed and I was unable to see any payment requests.
Consumer complaint received 2021-10-22
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft, I have contacted the company with a FTC report and a identity theft affidavit. They said that I did not have a police report when I did in fact have a police report. The police report is the FTC report. These accounts aren't mine and should not still be on my report. I am in the process of buying a house for my family and we may be homeless because of these fraud accounts. This is not right. I believe this has to be against the law. Help me and my family remove the accounts. I have attached the FTC report, and Identity theft affidavit, with proof of my identity.
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (GA)

A third party placed 2 medical debt on my credit report. one for {$5.00} and one for {$95.00} XXXX. I have medical insurance through my job. I also thought it was illegal to place medical debt on credit reports. I asked how did they get their balance without knowing what i was seen for and i asked what date was i seen and they said they didnt have that information so therefore it shouldnt be on my credit report as accurate because without knowng my service how do you really know this is what i owe, I also told them that knowing my balance is also 3rd party and i didnt sign anything giving someone authority to release my information about the balance or anything. This little {$5.00} that the credit agency allowed them to place on my credit report prevented me from getting a mortgage and its not right to destroy someone creditbility for {$5.00} and {$95.00}. Medical is against hippa to be on a credit report to hold someone in bondage.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Second Round Limited Partnership, Austin, TX Branch (PA)

I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Consumer complaint received 2021-12-08
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX XXXX XXXX )