davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I refinanced my mortgage with another company and my Suntrust XXXX now Truist ) mortgage was paid in full on XX/XX/XXXX. I was told a check for {$6500.00} would be mailed to me for the overage in my escrow account. I called Suntrust to verify the amount and they told me the check was mailed on XX/XX/XXXX. I called on or around XX/XX/XXXX to see why I hadnt received the check yet. Suntrust said the mail was slow but if I didnt receive it by XX/XX/XXXX I could request a stop payment and have the check reissued. I called again on about XX/XX/XXXX and told them I still hadnt received. Again I was told the mail was slow and nothing could be done until XX/XX/XXXX. I called on XX/XX/XXXX and said I still didnt have the check. Suntrust said they would stop the payment and reissue. On XX/XX/XXXX I received a check and cashed it. Today XX/XX/XXXX my bank charged me for a returned check fee because that check didnt clear. I called Suntrust on XX/XX/XXXX to ask why the check didnt clear and was told that the check I cashed was the original check mailed 38 days prior on XX/XX/XXXX and that Suntrust had identified an issue in XXXX where statements and checks did not print like they were supposed to. That issue caused statements and checks to be delayed in getting sent out. I asked the rep why in all the calls I had placed had no one told me this was an issue so I could have expected the check to arrive late, not requested a stop payment, and not thought the check received on XX/XX/XXXX was the replacement check. This has now cost me money with my bank and hours on the phone. Where was the communication and transparency from Suntrust that the check was late because of an identified issue on their end. It is XX/XX/XXXX and I still do not have my money.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (IL)

XXXX XXXX XXXX XXXX AZ continue to report this debt even though they released me from lease and the debt of my lease in XX/XX/XXXX they continue to report to XXXX XXXX through their own debt agency that I owe close to {$4000.00} even theirs no judgment in place nor did they contact me within a year after the supposed balance placed on my credit in XX/XX/XXXX. I was placed in the City of XXXX XXXX XXXX through case manager XXXX XXXX and he and I was not informed about any debt owed XXXX XXXX and its COVID-19 and they fraudulently trying to get money from me even when I wasnt working in the public housing program. They signed my contract to be really from my lease with no debt amount owed and if I was still in that lease I wouldve owed until XXXX of XXXX. They combating the fact that contractually they never held me accountable for the balance at the time of being released from my lease with XXXX XXXX  because I was also diagnosed with be severely XXXX ill and I have been diagnosed as title XXXX and title 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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

These inquiries were disputed on XX/XX/18 with no response. They should be deleted per the FCRA guidelines. I have waited more than enough time. Just an FYI, these inquiries were deleted from my XXXX File.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For over ten years now, XXXX  has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by XXXX  reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX XXXX & XXXX, XXXX. And my phone number is : XXXX. 

XXXX must lift the fraud alert on my credit file immediately. I did not request it. 

Thank you!
Consumer complaint received 2021-05-26
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: Mr. Cooper Group Inc. (FL)

I sent in my check for my mortgage payment in XX/XX/2021. There was an issue reading the check numbers written and Mr. Cooper was unable to process full payment. Mr. Cooper never notified me of the problem till the following month. Once I was notified of error I resubmitted payment. They waived the charge of the late fee because they never contacted me on issue. A few months later my credit score went down and I found out Mr. Cooper reported me as a late charge which was incorrect. I called Mr. Cooper and they told me to send and email and they would undue the hit on credit score. I have emailed them 3 times and no response. Manager at Mr. Cooper said it has to go through email and nothing they can do.
Consumer complaint received 2021-04-05
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: Bread Financial Holdings, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the month of XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX for the month of XX/XX/2023 be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The only debt I have is a new federal student loan. Portfolio Recovery LLC has continues to call my number from various numbers despite not owning anyone debt. The calls themselves are harrassing since they never leave a voicemail and sometimes call repeatedly in one day.
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 — Account status incorrect
Company: EQUIFAX, INC. (GA)

ACCOUNT IN ERROR. 

XXXX Account # XXXX XXXX  and EQUIFAX have falsely claimed Missed payments that are severely damaging my credit score and reputation! 

This account has been closed since XXXX. 

Since there is no pay date or pay by due date for this account, how can the payment history show as being late or past due? How can I miss a payment date when there is none? 

Secondly, due to refusal to remove the account, I have since received a letter from XXXX stating the account is in good standing and is Paid In Full! 

I have attached a letter from the XXXX XXXX XXXX XXXX as proof of the above mentioned statements. 

To this day, XX/XX/XXXX, XXXX still has a balance showing and is still reporting Negative! 

I have also attached screenshots from my latest updated XXXX  account from XXXX showing how XXXX is still continuing in fraudulent activity by falsely claiming a balance on this account as well as false Negative payment history claims!

This fraud is severely hurting my mental and financial well being, especially during this pandemic!

I NEED this account COMPLETELY removed from both XXXX  and EQUIFAX expeditiously!

Thank you for your compliance in regards to this request of dispute of any and all account errors!
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2017-05-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

An unauthorized charge to my credit card was made by  XXXX  and granted by Bank of America without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with Bank of America via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.
Consumer complaint received 2018-03-01
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: EQUIFAX, INC. (MD)

I received another alert through XXXX  on XX/XX/2018 updated by Equifax with another derogatory reporting with an increase in amounts labeled charged off. Equifax and XXXX XXXX XXXX reporting is listed under revolving account. Equifax does not have an effective investigative method that shows all the new information and changes made by XXXX XXXX XXXX  over the last 5 months.
Consumer complaint received 2018-10-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ad Astra Recovery Services Inc (TX)

On XX/XX/XXXX, I called Ad Astra Recovery Service to inquire about the collection item appearing on my XXXX Credit Report, after Ad Astra Recovery Service wrote a letter to the Consumer Finance Protection Bureau, dated XX/XX/XXXX, stating they sent deletion requests to the credit bureaus. I spoke with XXXX, a supervisor with XXXX, that stated, Ad Astra Recovery Service refuses to remove this collection item from my credit report, as they stated to the Consumer Finance Protection Bureau. XXXX states they never received the deletion request from Ad Astra Recovery Service. This company business practices are extremely unethical and in violation of the Consumer Credit Reporting Act.
Consumer complaint received 2021-07-17
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. (TN)

i have contacted Equifax numerous times to tell them the inquiries on my credit file with them are erroneous and a violation of the 15 usc 1681 ( B ). I notified them that inquires can only be on my personal credit file by '' permissible purpose '' and the consumer is the only one that can give permissible purpose and consent to their credit file.

I the consumer did not give " permissible purpose '' according to federal law 15 usc 1681 ( B ) therefore this is a violation of federal law and a violation of my consumer rights. This erroneous info on Equifax consumer file has caused great stress in my and my families life. i contacted them 3 times and now i am contacting the C.F.P.B who was put in place to protect the consumer rights. i will be seeking damages for the violation of my rights that the company Equifax has caused. i demand the following inquiries be removed from my consumer file. 
XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX These are a violation of federal law 15 usc 1681 ( b ) Thank you Mr XXXX
Consumer complaint received 2018-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AK)

I sent a dispute letter that was received over 30 days ago by U.S. certified mail. They have failed to properly validate the accounts I questioned. I have received no written communication or any supporting documents that I have requested.
Consumer complaint received 2017-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Service, Inc. (NY)

They called me at work told me they have won a judgement against me and a court order seizing my bank account and that my direct deposit will be denied and if I have any outstanding payments on the account they will be declined. I was told if I gave them {$450.00} by credit card right then they can begin the process of unlocking my bank account and send if I send them a check in the amount of {$4000.00} within the next seven days they would release the lock and not seize the original debt of {$12000.00} and would send me a letter of the debt. I did but my family said I was scammed and I talked to a lawyer and should them the letter and he advised that indeed I was scammed. They can not collect on a debt from 1995 and the tactics used were unlawful and to call my credit card company and have the charge reversed as fraudulent.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I lost my Debit card. I last used my card XX/XX/2023 at earlier for {$30.00}. I realized I lost my card on XX/XX/2023 when I opened my online banking I called customer service to order a new card. I then became aware of lot of unauthorized transactions that had been done while my card was lost. I realized I lost my card when I opened my online banking and saw the unauthorized transactions on XX/XX/2023.I then became aware of few unauthorized transactions that had been done while my card was lost. Those transactions actions were XX/XX/2023 amount {$2100.00} XX/XX/2023 amount {$860.00} XX/XX/2023 amount {$460.00} XX/XX/2023 amount {$2.00} XX/XX/2023 amount {$2100.00} XX/XX/2023 amount {$37.00} XX/XX/2023 amount {$100.00} XX/XX/2023 amount {$520.00} XX/XX/2023 amount {$1200.00} XX/XX/2023 amount {$110.00} XX/XX/2023 amount {$540.00} XX/XX/2023 amount {$160.00} XX/XX/2023 amount {$43.00} XX/XX/2023 amount {$13.00} XX/XX/2023 amount {$4.00} XX/XX/2023 amount {$13.00} XX/XX/2023 amount {$58.00} XX/XX/2023 amount {$240.00} XX/XX/2023 amount {$230.00} XX/XX/2023 amount {$220.00} I was filed a claim when transactions are still pending and after two days they denied my claim and forcing me to accept that you made the transactions I filed a dispute on XX/XX/2023. On XX/XX/2023 I was said by the bank that my Dispute was denied. How could they investigate my dispute in less than 2 days I'm very hurt and offended and live on a fixed income. I have made several calls and attempts to rectify this situation. The bank still refuses to credit my account due to this fraud. will you please help me? The transactions was made in my Texas I live in CA hows that possible, Please help me getting back my money. Claim reference no : XXXX Bank WellsFargo
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE CENTER, LC (OH)

On XXXX, Mortgagecenter.com received a check from my bank in the amount of {$24000.00}. I monitor my checking account and was concerned when the check had not cleared. On XXXX, my concern increased so I checked with the mortgage company to see why the check had not been processed. They informed me they had not received the check. I then contacted my bank and they informed the mortgage company received the check on XXXX. On XXXX, with the confirmation the check was delivered, I contacted the mortgage company again and they then admitted they did receive the check on XXXX, and proceeded to put it in the mail on XXXX returning it to me. The reason for the check rejection provided was that their policy requires any check over {$10000.00} to be a certified check. I asked when the policy changed to require certified checks over {$10000.00} and was told that the policy was always in place. 

Problem 1 : On two previous occasions in 2021, they cashed checks of the same type, from the same bank, for amounts of {$24000.00} and {$25000.00}. Neither of those checks were certified checks. 

Problem 2 : They did not notify me they rejected the check on the first call on XXXX, nor did they inform me of the certified check requirement for checks over {$10000.00}. The main problem is the interest on the higher loan amount continued to accrue. 

Concern : Is this something Mortgagecenter.com routinely does to their clients, since it could potentially be a large financial windfall? In my case, they could accrue an additional {$2.00} per day, times 7 days for a total of {$14.00}. It does not seem like much, but consider if they do that 1000 times each month, which would be {$14000.00} per month and in 12 months the total windfall would be {$160000.00}. 

I have no idea if this is a routine practice of the company, but just want make sure I inform CFPB of what happened to me, so you could take a look. 

Thank you for your time!