davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

BB & T acquired our condo mortgage from XXXX XXXX this year. The condo association purchases flood insurance. BB & T has been provided with evidence that the flood insurance coverage is current and adequate. The BB & T web site actually shows active flood insurance for our account. HOWEVER, BB & T HAS SENT TWO LETTERS STATING THEY HAVE NO EVIDENCE OF FLOOD INSURANCE AND THEY WILL PURCHASE FLOOD INSURANCE AT OUR EXPENSE. The first letter was dated XX/XX/20. I have made several attempts to resolve this issue with BB & T. It is apparently not possible to discuss the problem with a human being by calling the phone number provided in the BB & T letters. Although BB & T does not provide an email address for customer service issues, I did locate an email address for XXXX XXXX XXXX of BB & T. Mr. XXXX did not respond to my email. Apparently, Mr. XXXX and BB & T do not prioritize customer service.
Consumer complaint received 2020-11-01
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. (MO)

I was looking over my credit report today and I noticed that an inaccurate account listed by XXXX XXXX XXXX now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

Equifax and XXXX  are both reporting this inaccurate account which is damaging my credit. Neither XXXX XXXX XXXX, Exquifax nor XXXX has provided me with any kind of validation of debt and I've asked multiple times. This is in clear violation of my rights.
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

XXXX  Account : # XXXX Date Opened : XX/XX/XXXX Date of last Activity : XX/XX/XXXX Credit Limit : {$640.00} XXXX Account : # XXXX Date Opened : XX/XX/XXXX Date of last Activity : XX/XX/XXXX Credit Limit : {$640.00} How can I have two collections account listed on my credit report by the same creditor but different account numbers.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CT)

This is what I sent Lowes I recently picked up order XXXX ( which wasnt ready for about a week but Im not going there ) when I got there everyone was in a rush trying to get the order together because no one started it. Through the rush I never received the paperwork. 
I just got my credit card statement and was charged incorrectly. The material on the order was supposed to be free. Please see the attached pictures showing the order and confirming. 

I called the store they said it was a glitch I called cc company back in XXXX and every two weeks since. Today the credit card stated theres nothing they can do XXXX today when I called to follow up ) Lowes charged me XXXX for Material that was supposed to be free. I have pictures showing that. I could have gotten better grade material for less than 1/2 of the price
Consumer complaint received 2024-03-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (TX)

CEASE AND DESIST VIOLATION OF FEDERAL TRADE COMMISSION ACT ( ABUSIVE AND THREATENING COLLECTION TACTICS ) STATUTE OF LIMITATIONS CASE XXXX
Consumer complaint received 2020-11-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

Had a payday loan through ace cash express in XXXX where I have been customer last 4-5 years. Paid off loan of XXXX twice. Had an emergency moved out of state last month. Already did one pay off loan of XXXX XXXX nth to pay off loan.They only allow you to do this once year. They told me that I couldn't do a smaller payoff because I already used it for year 2020. I'm on social security XXXX and need to pay my loan back of XXXX. XXXX The office in XXXX, tn refused to work with me on these payments. The XXXX XXXX  also did same thing. They are the Bank behind the Ace Cash Express. They want all of my loan back in one sum of XXXX or nothing at all. I offered to pay XXXX per month in a money order. If I use my Ace Card to pay they want all the loan back and refused to make arrangements with me. 

Please help. I am willing to pay my debt of XXXX  XXXX but they are not working with me for a solution. Thank you XXXX XXXX XXXX XXXX XXXX. 

We also had Direct from each of us from Social Security XXXX. Direct Deposit of almost XXXX. Per month both from me XXXX XXXX and my son XXXX XXXX who owes the loan. 
Ace Cash Express XXXX XXXX XXXX XXXX, Tn. XXXX Phone XXXX Me and my son live just across the street. 
This is so crazy I have never had so much trouble in trying to return money We have borrowed from this Ace Cash Express. 

Our phone XXXX Please help Thanks
Consumer complaint received 2019-10-30
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: EQUIFAX, INC. (NC)

Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number 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 : 1. XXXX XXXX XXXX, NCXXXX  ( XXXX ) 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 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.
Consumer complaint received 2021-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

In XXXX of XXXX, I closed on a brand new home financed by Homepoint Financial. In XXXX of XXXX, I received an escrow analysis showing a Forced placed insurance charge of close to {$6500.00} dollars. This forced placed insurance was incorrectly placed on my account, as I had insurance at the time of close and was able to obtain proof of insurance for XXXX to XXXX. Since XXXX of XXXX, I have been working with Homepoint to get this charge removed from my escrow account. I have submit proof of insurance close to 10 times, called in weekly and sometimes daily, spent countless hours on hold, spoken to over 10 representatives and have had to explain myself to them every single time I call in. The forced placed insurance charge has caused my monthly payment to increase by over {$350.00} for every month since XXXX. Homepoint has made no effort to resolve this. I have sent in emails, written notices of error, spoken to directors and insurance department alike. I feel I have done my part to resolve this as this issue is between the insurance company and Homepoint financial. I have paid my insurance and have paid my mortgage, yet the ridiculous charge of {$6500.00} has only been partially refunded and still reflects a charge of over {$4000.00} without reason. Many agents have stated verbally that they see the error, yet nothing has been done to fix it. One agent even stated I was charged 2 forced placed insurance charges but have not been refunded. Homepoint is purposely being negligent to prevent my mortgage payment from returning to its original amount of about {$1500.00}. My current payment is $ XXXX Through no fault of my own.
Consumer complaint received 2022-02-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NM)

On XX/XX/2022, I sent Equifax a request to remove an unverifiable collection on my credit report. I have not received any response regarding the investigation. This is highly damaging to my credit report, and there is no creditor or collection agency listed so there is no way to validate this account.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

From beginning of XX/XX/XXXXup until XX/XX/XXXX, I have been trying to work with my lender to try to get something done about the property. I informed them back in the early party of XX/XX/XXXX that i had been laid off of my job and i needed to do a loan modification to try and offset what i new would happen inevitably. I tried to do the modification, but eventually my unemployment ran out, so i began to look for a buyer, when i could not find a buyer on my own, i recently went to a Realtor. I was under the impression that i had to pay a realtor to actually list the property. I do not deny that a lot of this situation is procrastination on my part, but i need this short sale to make the matter right. 
The property is listed at {$130000.00} and we have had a lot of activity with phone calls and showings. I currently have an offer that i would like for the lender to review.
Consumer complaint received 2024-02-24
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. (TX)

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.

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.

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.

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 2021-04-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I XXXX XXXX, sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2021. It is 60 days later and I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (TX)

On XX/XX/23, received response from XXXX XXXX XXXX of an alleged debt. The lease attached is a lease from XXXX. Trying to be used as evidence. Unable to furnish actual proof. Please remove.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (FL)

At XXXX XXXX on XX/XX/2020, I received a series of text messages from Suntrust fraud alert advising me of multiple possible fraudulent transactions on my credit card, and requesting that I respond with Y or N to block the transactions. I responded with N immediately and called Customer Service, confirming that none of the charges were mine and requested for my card to be blocked from further purchases, and a new one sent out. Even though they had told me my card was cancelled, another transaction went through on XX/XX/2020 and I called again to inquire, this time I was told the charges will be dropped soon. I called again a week later and was told the same, to wait a few days for the charge to be removed, but the charge is still there. Yesterday I called again and was told there isnt even a case open for the charge that went through on XX/XX/2020. How is it that my card was cancelled on XXXX yet at least 2 transactions were approved after I confirmed that the card was being used without my permission, and now nearly one month later with my billing statement coming up, one of the charges is still on my account?! I also bank with XXXX XXXX XXXX and this would never have happened.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from XXXX XXXX XXXX in regard to a CD account I had with them.

I spoke to a rep named XXXX  who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the 30 & 60 day late payment on my report. 

I spoke to the dispute department @ XXXX XXXX to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.
Consumer complaint received 2017-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

wells Fargo wont conclude that someone else has been withdrawing the same amount of money from my bank account at a gasoline station from an ATM.and its been the same amount every time XXXX dollars always. that is fraud and they concluded it was n't when i dont withdraw from regular atms and they took out XXXX dollars out and leaving me on negative. and now that i got my loan they took it out and wont gibe me it back too many problems its fraud and they wont do anything about it.
Consumer complaint received 2020-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (OH)

Hello, I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 


CONVERGENT OUTSOURCING # XXXX
Consumer complaint received 2020-11-01
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: BMO Bank, N.A. (WI)

Filed Chapter XXXX Personal XXXX  in the State of Wisconsin. Court Order for Payment plan submitted and accepted by all creditors. Bank Creditor is not reporting payments made, just reports payments not made or marks account as a charge off. This is false. The account is not a charge off. The account is being paid, monthly by the Court Appointed Trustee. Creditor continues to charge penalty and interest and fails to report payments made by Trustee for Debtor. Balances are still incorrect on reporting. Debtor has submitted all records of payment to Bank Creditor. Spoke with Bank Creditor twice. They said they would fix the account. Received an email from Bank Creditor stating someone would be in contact. None of this has happened to date. This has been ongoing for well over 10 months. I have proof of payments, Court Order, etc. and communications with Bank. Just because they are a Bank providing a bank-issued credit card doesn't mean they can be selective in their reporting. If they can report negative items, they can also report positive items. They have failed to report payments for the past 10 months. False reporting. False account totals.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I spoke with customer service agent at XXXX  so many times i also sent in my driver license social security card disputed by mail and online they are still reporting my credit information wrong my address is wrong ... they have fraud alerts on my account that should have never been there or removed i disputed an account possible filed a complaint disputed in the mail and the account is still on my report I done everything correctly and I not getting anything accomplished else can i do to have them report my information correctly wrong address and to removed collection off my report
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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 : XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

My dispute remains unresolved, and I am deeply concerned about the negative impact these inaccurate accounts are having on my credit score and financial well-being. I have provided substantial evidence supporting my claim.

I urge you to immediately investigate these discrepancies and remove the disputed accounts from my credit report permanently. Failure to do so within 15 days will unfortunately force me to escalate this matter further.

Please be advised that I have contacted the Pennsylvania Attorney General 's Office to seek guidance and assistance in resolving this issue. Additionally, I am prepared to pursue legal action for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This includes the potential for seeking damages arising from the harm caused by these inaccurate reports.

Please respond to this letter within 15 days with a confirmation of the removal of the disputed accounts. I look forward to a prompt and satisfactory resolution.
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NC)

To begin with, I lived in XXXX for less than 1 year with my parents before attending school in XXXX XXXX. From my understanding, my identity was taken and was used to purchase things on credit. I have not received ANY email notification or communication from the company when the card was originally given to the wrong person. I do not own up to the debt because Ive never seen any statements come to my house, once I found out I called the company to verify the debt and I was met with anger and rudeness. I did not charge {$1700.00} to a card when I lived in XXXX. I need hard proof to show that XXXX XXXX is the one who signed up for the card because I know its not true.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

during the pandemic last year. my wife and i went to a rough time .where we was not able to maintain our bill and automatic payment was coming out of out of account. i ask for the bank to help us with some fees back they stated is not a bank error, so their is nothing they can do for us. i have over 1000 dollars worth of fees from last year.
Consumer complaint received 2020-07-22
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. (FL)

Dear bureaus. recently I received letter from collection which I paid in full. Debt has {$0.00} balance. I am requiring to remove this collection from my credit report as soon as you can. As a proofs I attached all my personal info and letter from collectors where you can see then I do not have debt anymore.