davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I have a FHA mortgage in good standing with Suntrust Now Truist, I asked in writing to have my Mortgage Insurance Premium removed as soon as my loan reaches a LTV of 80 %. We fit all requirements for this, our loan is at least 5 years old, and we have no delinquent payments ever. I received a letter back from Suntrust Now Truist on XX/XX/2021 stating incorrectly that they can not delete my premiums until my LTV reaches 78 %. 

The law clearly states that if I am in good standing and give them written notice, they must delete my premium charges as soon as I am below 80 %, and they must delete it when I reach 78 % if I take no action. I have given them the request in writing, and they have denied my request and have kept charging me the MIP every month. Their letter stated they would stop charging me when I reach 78 % LTV after XX/XX/2021.
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Signed up for XXXX cable TV and internet services on XXXX/XXXX/XXXX. We were quoted a price with a no fee cancellation if cancelled within 30 days. When we receive the first bill, the bill was not what was quoted to my wife and I over the phone. As a result we called XXXX and they were unwilling to resolve our issue. As a result, we cancelled both TV and internet service with in the first 30 days. All equipment was returned within after 28 days. The equipment was returned on XXXX/XXXX/XXXX. to the store at the XXXX XXXX in XXXX CA. XXXX has been attempting to collect {$110.00}. These fees are not owed. Now within less the 90  days, XXXX turned this account over to a debt collection company saying that the account was delinquent. Nothing is owed on this account. I attempted to call XXXX with no success. The overall sales process was fraudulent as not everything was disclosed at the time of sale. When both my wife and I were present and asked questions, noting was every mentioned about extra fees.
Consumer complaint received 2020-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MD)

I made a partial payment for this month. Despite this and asking for COVID assistance they company continues to call. I have informed them that I used to have 3 jobs and now have none and I am still unable to get ahold of Virginia unemployment. They claim to have no other means of putting the account on hold. 

XX/XX/XXXX XXXX XXXX x 3 XXXX x 3 XXXX x 3 XX/XX/XXXX XX/XX/XXXX x 2 XX/XX/XXXX - I called but their phones said they opened at XXXX even though I called after that time It seems like poor consumer advocacy to let companies destroy your credit when the country is still shutdown and people would go to work if they could in many cases. All three of my jobs will remain shut down for the foreseeable future..
Consumer complaint received 2017-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, i have been making several attempts with Transunion and their reps to remove several negative inquiries on my report, Transunion customer service has refused to help in the removal of these negative fraudulent inquiries. I have listed the inquiries that i have been trying to get removed 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXXXXXX 4. XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX I have made several attempts with Transunion and the creditors to get these fraudulent inquiries removed please help
Consumer complaint received 2022-01-08
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. (NJ)

When CV19 hit, I had to shut down my business, as millions of others in America had to do. 

The mortgage company offered a forbearance for 3 months. I paid all past due amounts after 60 days and this is still showing up on my credit report.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

After several dispute letters and two FCRA rights under section 609 : Include a statement indicating that I am exercising my right under the FCRA, section 609, and they I am requesting all information related to debts listed on my credit report. State that I am entitled to all documents related to each item, including each original credit application and contract containing my signature. Request for removal. In addition to requesting information about items in your credit report, include a statement reminding the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.
Consumer complaint received 2022-01-08
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. (NJ)

When CV19 hit, I had to shut down my business, as millions of others in America had to do.

The mortgage company offered a forbearance for 3 months. I paid all past due amounts after 60 days and this is still showing up on my credit report.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Vendors can't seem to access my Equifax credit score. My attempts to fix this have lasted six years. Two different mortgage lenders have failed here despite no freeze being on the account and my having sterling credit with the other bureaus. I am locked out of Equifax 's website -- a common enough complaint -- and I am unable to verify my identity to get through their phone system. I have a copy of my credit report from XXXX, but no mortgage broker is able to access the score.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mark A. Kirkorsky, PC (IL)

XXXX XXXX  has made several payment agreements with regard to XXXX XXXX. On XX/XX/XXXX we received 4 voicemails and several emails requesting a call back. This far exceeds and acceptable number of calls in a day and is deemed as harassment. Our payment specialist was out of the office. Upon return on XX/XX/XXXX XXXX XXXX returned the call to XXXX promptly at XXXX CST. XXXX became verbally aggressive nearly immediately. XXXX stated that she was not with a collection agency that she is part of a law firm and that if the next payment was not made she was going after Mr. XXXX personally. In further emails, which are attached it is stated that the FDCPA is not relative to her efforts. Deeming her several calls a day acceptable The problem with this is that the attorneys office is in fact acting as a debt collector, hence the reason for the mini miranda on the transfer service. As well as on the emails sent over from XXXX. Misrepresentation is wrong. Calling that many times in one day ( excessive ringing and several voicemails ) is also deemed harassment. Then intent of the initial call to XXXX from XXXX was to renegotiate the terms as $ XXXX per month is just too much. While XXXX XXXX  is willing to make payment it has to be an amount that allows for the company to afford overhead to keep jobs going. Please understand that calling and saying that this is personal as it has a personal guarantor makes it personal with regard to collection efforts. 

I am attaching documentation of the correspondence in the last 2 days. 

Attaching email documentation as well as documentation from voicemails left which say comcast Voicemail- I do not have the ability to alter this.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This a count was removed and now show back up under a different name this account was open due to fraud and needs to be removed again I never had an account with this Lender. Please remove the following account. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX Account number XXXX Reason : Fraud account and was peroviously removed under the name XXXX. 

The account above was listed and removed from my report due to fraud under the following creditor name : XXXX Account XXXX XXXX Please remove and Prevent this from happening again please
Consumer complaint received 2023-04-04
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. (NJ)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-11-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (KS)

Thank you for your recent contact dated : XX/XX/2019.

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2017-12-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

My home flooded on XXXX XXXX, XXXX in XXXX XXXX, LA. My insurance company promptly issued a payment for the damages to my home. The payment was issued to XXXX XXXX XXXXl / XXXX XXXX and myself. They first tried to tell me I MUST hire a contractor to do all the work and tried to tell me it was required in my mortgage agreement. I read my mortgage agreement and it is NOT Required for me to hire a contractor. After calling them on that lie, they released the first 1/3 of the money for the repairs. When I requested the first payment they tried to tell me they only had to release money for the repairs that have been completed. WHO are they to hold my insurance funds. They are making me beg and jump through all kinds of hoops to receive the insurance money they are drawing interest from while they hold. I have allowed them to inspect the house to see the repairs are being done, and this still is not good enough for them. I can only do the repairs until my credit cards are maxed out and then I have to BEG them to release the money so I can pay the credit cards so I can start charging again to get the repairs done. This is costing me more because I have to pay the interest on those credit cards. This company is ripping me off and I need someone to stop them and force them to release the money my insurance paid so I can get all the repairs completed.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2015, XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-10-18
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: Bread Financial Holdings, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

The Mortgage company wont grant us a deferrement. only a forebearance and now XXXX XXXX we owe 2 months of mortgage XXXX times 2. i told them we have coronavirus and we have not been working. they are saying we owe XXXX and XXXX. they gave us a forebearance from XXXX to XXXX to bring all payements current, my husband contracted XXXX brought it home and all XXXX family member are sick now and have to be retested. this is the worst i called and they are not listening to me i said we have not been working and due to the cares act can we get a deferrement for 2 payments they will not grant it. we have no money and was very sick i have alot of congestion and my XXXX year old grandson his XXXX year old mom we all got sick from my husband.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, XXXX, XXXX are reporting incorrect information my credit reports. I have asked them to removed these items off my report and are refusing to do so. I did not open these account and I have no choice to report these issues because I'm a victim of identity theft.
Consumer complaint received 2017-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (KY)

I had a loan with this company in XXXX of XXXX ( Loan # XXXX XXXX. I paid it off, in full, on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they continued to take an additional payment out of my account. I immediately contacted them and requested a refund. I was told it would arrive within 10 business days. That did not occur. I then contacted them  starting XXXX/XXXX/XXXX to again request my refund. I have called every day since then and have been given the run-around. They have acknowledged, multiple times, that I 'm entitled to the refund. I 'm told different dates to expect the refund, always pushed back further each time I call. I 'm consistently told it is being handled by the resolution department, and they claim they have no way to contact that department.
Consumer complaint received 2020-11-17
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. (TX)

I had closed the XXXX XXXX account having XXXX balance since XX/XX/XXXX. I disputed the account Equifax and the creditor several times and the creditor confirmed that they had updated Equifax since XX/XX/XXXX. However, Equifax continues to publish wrong account balance and status showing that the account is open with a balance of {$1500.00}. Multiple Equifax agents have been so incompetent by not even been able to locate this account. They also can not tell the dispute filing date. Further, I have disputed the fact that my Equifax credit report is not showing my payment history for XXXX XXXX XXXX XXXX. Equifax agent stated that it does not matter. 
Equifax is definitely not abiding by law by publishing inaccurate, incorrect, and false information on my report. Both account have been modified by the other major credit reports. I took the auto loan in XXXX, XXXX from XXXX  XXXX XXXX  XXXX  and closed and paid the XXXX XXXX  since XX/XX/XXXX.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

XX/XX/XXXX Received call from someone @ FCB ( XXXX ) saying they're closing my accounts. 
Went to branch, withdrew my money. 
Unable to download account statements, two disputes outstanding. 
Called C/S to ask for help, they've blocked my number. 
Called with *67. first agent kept talking over me, demanded supervisor. Got to supervisor, talked a bit, she hung up on me. 
No longer able to login online.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (SC)

Company : XXXX Charges on debit card with Simple Bank ( BBVA Compass ) : XX/XX/XXXX - 2 charges of {$190.00} XXXX XXXX {$190.00} XX/XX/XXXX - {$190.00} After disputing the XXXX charges my bank gave a provisional credit then reversed it. Directly after I received 2 additional charges on the same date from the Company. I was confused as to why my bank did not 1 ) suggest I order a new card 2 ) block the merchant as i reported this as fraud. Bank says without additional information they will not reopen case. Will not disclose if they actually talked to the business and what service they are claiming to be providing to me. Since the last 2 charges, a new debit card has been issued. I've reached out to company SEVERAL times throughout XXXX with the contact form on their website as they do not have a phone number to contact. I've screenshot some of thee interactions ( when I began to realize that this was going to be an issue I needed documentation for ) and although a confirmation message shows I will be contacted in 24-48 hrs, I have never received any response. As far as I can tell, this is a social media boosting service. I have a business account on instagram since they charged my account I have tracked my insights and see no change in interactions with my account. Not receiving the services they claim to be providing by the charges, nor do I wish to. I've tried to log on to their site using my information and tried all passwords until I was locked out. They sent me a code to reset however it said I was not able to view my account & had too many attempts. Now my bank will not respond to my attempt to reopen the claim and has not shown me any proof of contact with the company to verify these charges. I keep being told their dispute dept will get back with me and i get a text from a different team member each time either telling me to submit additional information via email, which i have done, or that they are closing the claim with no explanation. I filed a police report on XX/XX/2019 with officer XXXX XXXX. case no : XXXX ( XXXX ). While I was in the police departed, he tried to locate XXXX XXXX online and could not find any trace of the company either. Also showed him correspondence from my bank and he was shocked that my bank was transferring my claim to a different rep with each message/reply instead of one person following up with me. I showed him my banking transaction history and he suggested I file a claim against the bank itself. I gave the bank one week to respond to my claim again, informing them i would be filing a claim against them one week from that date. No action has been taken to protect me as a consumer.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A. (PA)

This is my second complaint to CFPB for the same issue. 
I have a PNC Rewards card. For all of the many years I have had this card, I have been unable to redeem my rewards through their website. I have called each month, for over three years and get caught up in a 1/2 hour phone tree before I get someone who manually  redeems my rewards. I complain to them on the phone and to their supervisors and I have been assured that they are working on fixing the website. 
It was never fixed and to date, it is still not working. 
I filed a complaint to this organization a few months back and PNC did promise to look into it. I also received a personal letter from XXXX XXXX, Executive Client Relations, AVP who said I can call her anytime Monday through Friday XXXX to have her help me if the problem persists. 
I tried again on XXXX/2017 to redeem my rewards via their website, and the problem is exactly the same. Same error message. No changes. 
So I called XXXX XXXX. She did not return my call. The problem is not resolved. 
Please make them fix this simple website problem. It is not brain surgery.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (OH)

An account was opened with Avant on XX/XX/2016. It then went delinquent and was sold to a debt collector. The debt has been paid at a higher amount and several other debt collectors are still attempting to collect. Avant- is still reporting the account on XXXX  and is also being reported by other debt collectors. 

I have disputed this inaccurate information with the XXXX  and it continues to be verified by Avant with inaccurate information to include ; date opened, date closed and delinquent information. 

I would appreciate if Avant would delete all information from XXXX  as it has negatively impacted my credit score that then caused hardship in my life.