davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION (AR)

On XX/XX/ I made a written request to have PMI removed from my mortgage as required by the Homeowners Protection Act. On XX/XX/XXXX  I called Truist to check on the status of my request since there had been no update on my request. The customer service representative I spoke to told me a letter had been sent on XX/XX/XXXX  ( attached ). I did not receive this letter until XX/XX/XXXX. The representative read the letter and informed me that my request had been denied because my home was a second home and my loan to value ratio ( LTV ) needed to be less than what my current LTV was. She would or could not elaborate on why my home was considered a second home, which it is not. This caused a panicked response by me and I immediately called XXXX XXXX  and my homeowners insurance to figure out why this was being reported as a second home. Nobody I spoke to at XXXX XXXX or my insurance agency could see that this was a second home. I then called Truist again for more information. I was told by the second representative ( XXXX ) that I was not at the required 80 % LTV when I made my request and that I should make the request again. This was false information. I called a third time and spoke with a different representative over concerns that I would not be able to make the payment for a Brokers Price Option ( BPO ) in time since the letter dated XX/XX/XXXX said I had 30 days from the date of the letter to make the payment via check before I had to start the request over. I informed Truist that I did not have a checkbook and in no way would make their deadline after receiving their letter 10 days into the deadline. The truist representative said I could make the payment via my escrow account. On XX/XX/XXXX, I made my regular mortgage payment with an additional {$190.00} escrow payment for the BPO. I then called Truist to verify that this would be earmarked for the BPO payment. I was then told that this would not be accepted and that I needed to send a check. I have now been provided false information by Truist four times in regards to the PMI removal process.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I sent a death validation letter on XX/XX/XXXX requesting copies of agreements with the client the grants them to collect a debt signed agreement with the debtor yeah that I have a contract all obligation to pay the debt collector any agreement the bear signature of myself to pay the creditor all statements why the account was open. I also requested the name and address of the ledge predator the name on fall of the ledge debtor alleged account number address on file for the lodge debtor amount of the alleged at the date to do that became payable the date of the original delinquency, And stating they had 30 days to return the information to me.All I received back from them was a letter stating that their information was correct, they did not send any proof of the debt, I also did not get that letter till today which is the XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

upon receiving message that my application for credit was supposed declined. I realized that I had not applied for credit for maths now. So I reach out to the company a I was told that they have no record of me aplyibg for credit. but next day there it was on my report. 

So I called the bureaux ( obviously pointlessly ) since the bureaus are compliant with the scammers out there and there's no checks and balances clearly.. 


anyways. the bureaus shrugged off and told me to complain to FCBP so here I am now I also went to the same company west site and simulated a new credit application... but I didn't use my name. I used a same name but scramble the word XXXX and change the last name. and as social security I literally used XXXX that how much of a joke that was. 

guess wha ... same thing I got a hit as hard inquiry win my report with indicates. all the disputes on my report are wrong and I demand them to be removed and deleted completely this is absurd and should not happen .. Im recording phone calls emails a and letters.. 

I'll will litigate in court and believe me .... will be stressful for all parties involved .... 

please and thanks ....
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MA)

Hi, I opted out of Nexis Lexis, Innovis, and ARS reporting because XXXX, XXXX, and XXXX keep inaccurately reporting that I have a bankruptcy on my credit report. This is causing me emotional distress and it is blocking me from getting funding for my business and finding housing. 

XXXX keeps saying that they verified the information, telling me that SOME SOURCE ( will not tell me who ) is still reporting that I have a bankruptcy even though I opted out of them and what they are reporting is not accurate. 

I have a letter from the XXXXXXXX XXXX XXXX  that they do not release that information so there is no way for any reporting agency to verify this. 

In XX/XX/XXXX I requested to be opted out of Nexis Lexis, XXXX, and XXXX  In XX/XX/XXXXXXXX  I got a letter from the XXXX XXXX XXXXXXXX that they do not release this information ( therefor it is impossible to verify as accurate ) in addition to me requesting that Lexis Nexis not share my information. 
In XX/XX/XXXX I sent letters to XXXX, XXXX, and XXXX to remove my bankruptcy since they can not verify it On XX/XX/XXXX XXXX revealed an investigation dispute that they verified a bankruptcy on my credit report as accurate, but they will not tell me who they got this information from and I opted out of all reporting agencies back in XXXX.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XXXX I ran into a hardship and SPS modified my loan. I paid the modified payment until the pandemic hit in XXXX, XXXX. I called and asked for assistance. I received a lowered payment of {$380.00} for 3 months. I then sent in bank statements and proof I was receiving unemployment ( I am in Florida, unemployment caps at {$270.00} week ). I sent in my bank statements showing the deposits from unemployment and my unemployment paperwork. I then received an offer for a repayment plan with payments of {$3400.00}. I was only receiving a total of XXXX XXXX monthly and there is no way I could pay the amount they were asking for. I then sent in an application for a modification and was told I could not get a modification because I refused an earlier offer. The only offer I ever refused was the repayment plan and it is because I could not afford it. I feel as though this is unfair. I defaulted only because of the pandemic and I would like assistance as everything was out of my control. Now, I have been through a pandemic, lost my job and now am at risk of losing my home.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2021 TD Bank in XXXX XXXX fraudulently opened a checking account under my name ; as well as two savings account. The accounts have been closed but the corporation is lying trying to say I opened the accounts. I went into a TD to see how the savings accounts where opened and the teller tried to say I had to scan a XXXX check like you receive to deposit in the atm for a new account and I said she was not being honest and got my ids bank and left. There is also a fraudulent charge from XXXX for XXXX that should only be XXXX with a tip-off XXXX dollars added later. And on XX/XX/2021 there is a fraudulent charge of XXXX for checking the ATM at was a on XXXX XXXX XXXX in XXXX Pa but it was checked at the TD at XXXX XXXX and XXXX XXXX. This is like five different issues with this bank in the last week and it needs to be thoroughly investigated by the federal government by pulling their it accounts and security footages. The bank in XXXX  was near XXXX and XXXX.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion stated that they verified the items on my consumer report. Which that information is inaccurate. These accounts are not verifiable, not validated and are inaccurate. If everything is not reporting 100 percent accurately then it must be removed. I need The CFPB to step In and find out what is going on. Also please refer to exhibit A. Per my consumer report with Transunion they also claimed to have verified a bankruptcy on my consumer report via the us Bankruptcy court XXXX XXXX XXXX XXXX XXXX per exhibit A which is a letter directly from The courts proving that Transunion reported a false and inaccurate item. Per the bankruptcy court clerks office does not report any bankruptcy information to any credit bureau. Well That is proof of fraud and against the law.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) 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 7 years. 15 USC 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 the information is inaccurate. 

The following accounts are being disputed : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a XXXX suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely from my credit report.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I submitted a consumer credit card dispute with Capital One regarding a credit card purchase that I deemed unauthorized because the seller/merchant engaged in fraudulent behavior in its sales marketing. I relied on deliberately false and misleading representations for a {$79.00} purchase, and was deceived to purchase a product that was not similar to what was advertised. When the product received was patently and materially not what it was presented to be, and of significantly less value, I tried to resolve the dispute with the merchant, without success. 

I then filed an unauthorized debit claim, pursuant to Reg E and the Electronic Fund Transfer Act, with Capital One ; the financial institution credit provider. I submitted all correspondence between the merchant and myself to Cap One and communicated my contention that, as the merchant clearly perpetrated a fraud in its " bait and switch '' conduct, the transaction must be viewed as unauthorized under Reg E. As it was timely filed with Cap One, it was stunning to receive notice from the credit card issuer that my dispute had been denied. 

The Cap Oine Case Number is XXXX. If this claim is dishonored, my fear is that Cap One may be engaged in a pattern and practice of actions which are inconsistent with the requirements of the regulation, to the detriment of protected consumers. 

Thank you for your assistance. 
XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

In XXXX of 2020 I bought a TV from Best Buy with my Best Buy credit card. XXXX was {$2000.00} on 24 months interest free promotion. I set up a {$100.00} auto draft to pay it off in time to not pay any interest. During the 24 months. I put a random purchase on the card, and turns out Citi Bank 's terms & conditions state that the auto-draft payment goes to the higher interest balance first. So it paid off those random purchases first. $ XXXX random purchase I wouldn't have done had I known this would happen. This caused me to miss the 24 month payoff and accrue interest for the entire purchase. I was under the impression my auto-payment was going to the main {$2000.00} balance first, not the smallest balance. This has caused me to have a {$2200.00} balance, over 2 YEARS after paying {$2400.00} to this balance. I called Citi Bank and they just told me there's nothing they can do. Best Buy said call Citi Bank they can't do anything either. 

A {$2000.00} balance right before XXXX because Citi 's terrible policy they have in place to purposely catch people up and force them to pay interest. It's a clever rule that other banks don't have, I work at a bank and have for a decade. 

I'm going to speak to my attorney and see what legal options I have, but wanted to reach out to the CFPB for help. I've had success before with you.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (FL)

I just recently checked my credit report XX/XX/year> and noticed inquiries This inquiry has no permissible purpose to be on my credit report. Delete this inquiry Due to violation of 15 USC 1681b
Consumer complaint received 2021-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I placed a security alert on my credit report to be contacted in case of someone applying for credit in my name. I have reached out to Transunion several times to dispute the inquiries and every time it came back validated. When I requested the method they used, no response was ever received. The following companies are in question : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX, MO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Tx. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX These inquiries were not authorized by me and should have been validated by the credit bureaus.
Consumer complaint received 2021-05-25
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. (TX)

XXXX  and transunionhas continuously and falsely verified this alleged account. Both XXXX  and transunion have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2024-11-27
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: WELLS FARGO & COMPANY (NV)

I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (TX)

In XXXX, I initially requested debt validation from XXXX XXXX as well as asking Experian, XXXX, and XXXX to investigate that the information being reported on my consumer report was accurate. XXXX at that time sent me a copy of a past due bill which is NOT the information that I requested to be able to validate the debt on my end. Experian, XXXX and XXXX responded stating the account was verified. I initiated this process again in XXXX and received the same information. Experian then asked if I wanted to mark the account as fraud to which I stated I don't know if it's a fraudulent account or not but I have no accounts with XXXX or XXXX so as I requested again the due diligence is on the Reporting Agency to report accurate information. If the account is fraudulent then they can mark it as such. I should not have this account reporting on my consumer report if it has not been validated as an account that I own and I have not been able to get any complete and valid information from either the reporting agencies nor XXXX. 

I have asked XXXX to provide detailed information for my records that would help validate this debt such as : 1. Verification of the Debt : Please provide detailed documentation that verifies the debt you claim I owe. This should include information about the original creditor, the amount owed, date that the original account was opened and the date the account became delinquent, and the terms of the debt agreement. It should also confirm whether or not the debt is within the statute of limitations for collection. Please note that supplying just a copy of a bill from the original creditor is NOT actual verification that the debt belongs to me. 

2. Itemization of the Debt : I would like an itemized breakdown of the total amount claimed, including any individual amounts and accumulation breakdowns, fees, interest, and/or additional charges that have been added to the original debt. This will help me better understand the total amount being sought.

3. Proof of Ownership : Please provide evidence that your agency has the legal authority to collect this debt. This should include documentation of the assignment or purchase of the debt from the original creditor along with the amount that you have purchased the debt for and the date of assignment. Please note that supplying just a copy of a bill from the original creditor is NOT actual proof that you have the right to collect.

4. Verification of Communication : If your agency has made any prior attempts to contact me regarding this debt, please provide proof of those communications, including ALL dates and methods of contact. 

I have provided more than 30 days to get this resolved and I am getting no further information from them other than just a bill.
Consumer complaint received 2021-04-12
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. (CA)

There is a XXXX XXXX account reporting on Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX XXXX and Equifax and they have failed to remove it from my credit report.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX, has violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.