davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

On XX/XX/XXXX i refinanced and paid Citizens bank in full for my first mortgage and homeEQ account. 

At that time The account was closed and i was unable to draw any money from this home equity account. 

I noticed in the coming months that the home EQ account was still showing in my profile but i didn't think anything of it because it has XXXX balance and no interest was being charged. 

I XX/XX/XXXX i received a notice that i needed to pay XXXX to close the account which i paid. XX/XX/XXXX In XX/XX/XXXX i get a notice that XXXX was charged to my account. I called to find out what is going on and after multiple days of being left on hold transferred to multiple departments i was told that they need flood insurance for this loan and the added a forced policy. I explained that the loan was paid and it has XXXX balance and i am unable to use the line of credit because it is closed. They told me they see the issue and will reverse the charges. 

Now in XXXX i get a bill in the mail for interest on the XXXX and a request for another XXXX dollars to close the line. I have called and as i write this complaint i have been on hold and 1.5 HRS and talked to some one told them the issue and they disconnected me.
Consumer complaint received 2019-10-26
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: Experian Information Solutions Inc. (AL)

I have been the victim of identity theft for the last 2 years or so. I have sent the company and Experianan affidavit with FTC number and correct address. Experian has a identity theft mark on my report and still reports the item as current.
Consumer complaint received 2022-12-09
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: HW Holding, Inc (PA)

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 U.S.C 1681 : HUNTER WARFiElD INC XXXX. XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2019-10-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: A-1 Premium Acceptance, Inc. (MS)

Dear Sir or Madam : I was initially approved for a loan on XX/XX/2019. The funds supposed to have been deposited to my account in 24 hours. They were not. I informed the company. Following this dispute, they voided out the initial loan and reissued a new one on XX/XX/2019. This second loan 's funds were supposed to be distributed by XX/XX/2019. The funds were never deposited into my account. I called the company. They informed me that they were working on it and the funds should have made it to my account by Friday, XX/XX/2019. I called back on Friday and asked for a cancellation of this loan, they have refused based on the premise that the funds are in transfer. I sent a written statement and attached images to show as of XX/XX/2019 that the funds have never been deposited. This company has had me to sign a contract and I never received the funds for the loan.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NY)

Cash app after I deposited money into my account, XXXX dollars were taken saying they are correcting a transaction error that occurred between XX/XX/XXXX and XX/XX/2023. Apparently, they are taking money from everyone 's account and saying similar.
Consumer complaint received 2021-09-13
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: LEXISNEXIS (IL)

Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2024-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

Welfargo bank did not follow due diligence to protect me from money laundering and refused to retrieve a wire transfer made using my checking account to a company for {$10000.00} for investing. I contacted the Welfargo to report that payment should be retrieved as the company is suspicious and the only response was because it was wire transfer online they could not help. My request to have them cancel the wire transfer and refund me several complaints have yielded no response.
Consumer complaint received 2021-09-21
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: ERC (AL)

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I am a victim of identity theft an I have submitted documents several times.
Consumer complaint received 2022-02-21
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. (TX)

Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed.

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Consumer complaint received 2022-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (NJ)

On the XXXX of XXXX I consumer XXXX wrote two letters to company Arcadia Recovery Bureau to validate alleged debts of {$1400.00} and {$600.00} that appeared on my all my consumer reports certified mail via USPS tracking number XXXX XXXX XXXX XXXX XXXX. The company never replied regarding my request for validation of the alleged debt under 15 USC 1692g even after 60 days. In addition I submitted a Cease and Desist request pursuant to 15 USC 1692c ( c ) demanding that they cease all forms of communication with me through any and all mediums but yet I see that the company is reporting unvalidated negative remarks on my consumer reports. That is a form of indirect communication and they have violated my rights under the Fair Debt Collection Practices Act. 

I am attaching the letter that was sent along with the certified mail receipt to this complaint.
Consumer complaint received 2024-11-06
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. (FL)

Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX Account. 

Dear Credit Bureau, I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision. 

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations.

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations. 

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ DA ] of the XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate or can not be verified, it must be deleted by the credit reporting agency.

15 U.S. Code 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXX are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account.

In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA.

I anticipate prompt deletion [ DF ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-09
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: FUTURE FINANCE COMPANY (IL)

There are inquiries reported on my credit report that I did not give consent for any of those lenders to run my credit this is fraud XXXX XXXX XXXX FUTURE FINANCE 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 2020-11-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

I XXXX XXXX, have always believed in personal responsibility in maintaining an excellent credit history. However, in fiscal years XXXX and XXXX I faced multiple XXXX  issues that basically kept me out of work. I always thought that I was making my credit card and auto payments within the 30-day grace period. Some of these payments may have been paid near the end of the 30-day grace period and werent posted until the next billing cycle. As a professional courtesy, I respectfully request an audited review of my payment history to see if any of the posted 30-day late payment histories can be deleted, or if I can be given a reasonable pardon for any indiscretions and have the prior payment history deleted altogether. I will maintain my payments professionally until the full term of the loan is over. 
XXXX XXXX
Consumer complaint received 2023-05-10
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2020 I sent a Dispute for those accounts that inaccurate and unknown on my credit report. But over 30 Days no response yet. I was a victim of the XXXX  Data breach. Delete ASAP those accounts or I will file litigation.
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (MA)

I have unknown accounts which I have been disputing as well as contacted the companies that I was unaware of these accounts but neither paperwork has been provided to me as proof that I am reliable because I am NOT! But somehow reports that I've never seen confirm that I'm responsible and my dispute is not fairly processed so these unknown accounts continue to remain as if on my report without allowing me to correct, delete nor repair my credit score and continuing to keep me from bettering the future for my family and myself! It's now becoming an ongoing battle for someone who is medically XXXX to try and progress towards a better living environment. SINCERELY OVERWHELMED!!
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX  ; Experian and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-01-05
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: CAVALRY INVESTMENTS, LLC (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Credit Bureaus are reporting inaccurate information on CAVALRY PORT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( CAVALRY PORT XXXX )
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (MI)

I opened a prepaid account with XXXX XXXX they will not release funds on the card because it was from my boyfriend 's unemployment check. I have had paperwork noterized sent mail with updated address everything they asked. Mean while they are taking out monthly fees they charge while my account is frozen.
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc. (FL)

I have received a letter from CBHV stating that I owe XXXX in an XXXX bill. I never in my life lived at the address I dont live in XXXX and never took out service in XXXX XXXX I take this matter very seriously and need this resolved ASAP. Also show me proof that I opened this account I have never in my life did any business with XXXX.
Consumer complaint received 2019-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (NJ)

My mortgage loan was sold to this company during the XX/XX/XXXX - XX/XX/2018 timeframe. I was notified of the transfer and told that SN Servicing Corp would officially take over as of XX/XX/2018. 

During the transfer process, I was immediately confused as to when my next payment was due because I was already informed that money was still being processed from the old servicer ( XXXX XXXX XXXX ). In XX/XX/2018, there were 3 payments made : one from XXXX XXXX XXXX ( {$920.00} ), one from me ( {$870.00} ) and one from Rushmore Loan Services for ( {$460.00} ). I even  called/emailed the company for clarification - never received a response to my email and was given misleading information during the phone call. 

Technically, this should have been payments for both XX/XX/XXXX and XX/XX/XXXX, however, only one payment was created ( posted ) in timely fashion and ultimately when I made my next payment in XX/XX/XXXX for the amount of {$870.00}, this was incorrectly considered a " late '' payment for XX/XX/2018, when it should have been an on time payment for XX/XX/2018. 

Needless to say, I am convinced that much of my account history with SN Servicing is flawed, resulting in a cascading effect on my history. I have requested a forensic audit ( line-for-line ) from SN Servicing Corp and they refuse to be cooperative. I am concerned because they have a D- Rating with the XX/XX/XXXX and have several complaints filed against them for similar claims, most of which involve fraudulent activity with their servicing of loans. I believe some of my late payments are the direct result of inaccurate accounting, as well as poor communication, inexplicable fees and other intentionally misleading accounting practices, which I'm sure violate regulations. When I made attempts to bring my account current, I was also misled by Customer Service that additional payments would help bring me current, when ( in fact ) some of them simply got put towards principle in error. 

I am requesting an investigative audit of my account. As a result of their handling of my entire transaction history, my wife and I have been declined for a mortgage based on this one company 's accounting, even though the rest of our credit profile ( and payment history ) is great.
Consumer complaint received 2020-11-26
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: Experian Information Solutions Inc. (LA)

On XX/XX/2020 I sent a Dispute for those accounts that inaccurate and unknown on my credit report. But over 30 Days no response yet. I was a victim of the XXXX  Data breach. Delete ASAP those accounts or I will file litigation.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have tryed to reach out to Experian Attn : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX in regards of removing closed accounts off my credit report. Experian is still allowing the closed accounts to report on my credit repot witch is causing mental and physical distress and damages. i would like the closed accounts to be taking off my credit report immediately.. Attached documents Bellow!