davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my Santander loan account. 
I want you to know that I understand my financial obligations, and if it werent for My financial institution locking my bank account for 90+ days, as well as a recent natural disaster in my area hurricane Ian , Id have an excellent repayment record. I made a mistake in falling behind, but since then, The bank has unlocked my accounts and released my funds and we are slowly recovering from the property damage from hurricane Ian. Since then, Ive had a spotless record of on-time payments, As well as meeting payment arrangement and catching up the status of the account.

Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on XXXX, XXXX, XXXX, XXXX, XXXX & XXXX. 

Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX
Consumer complaint received 2022-11-16
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NV)

I called and asked if I could a deferred payment due to a medical procedure I had that kept me out of work for over a month. The associate gave me the wrong information telling me about a in-house program the company offered where it's not a deferred payment but the payment is spread over a XXXX  month period and is not considered late nor will it be reported late on my credit report or effect my credit in any way. I had specifically told her this can not go on my credit report or I will not go through with the program and I would just have to get the money another way. She again told me that it was an in-house program and it stays in-house. They have agreed over the phone that they gave the wrong information but are refusing to remove the XXXX lates payments. The late payments are XX/XX/2022, XX/XX/2022 and XX/XX/2022. This account should not be reporting any late payments.
Consumer complaint received 2022-11-16
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: Colony Brands, Inc. (TX)

My credit report sent me a notification that someone had opened up XXXX XXXX credit card in my name in XXXX of 2022 I found this out in XXXX or XXXX when it showed up on my credit I called the company they sent me paperwork to fill out to dispute it I went online and filled that paperwork also they told me to give them a month I'll follow back with them they said it was resolved at the end of XXXX it was not resolved now it's showing delinquency on my account it dropped my XXXX XXXX from XXXX something all the way down to XXXX and I'm in the middle of trying to purchase a house I called back and no one seem like they can help me get this resolved after they told me it's been resolved and that they will also send me a letter stating that it's been resolved. I'm.not the only one affected by this. I have XXXX kids and their dad.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (TX)

Me and co-buyer closed on XX/XX/XXXX. Upon closing we were not informed about a " construction loan '' by the closer. We were informed that construction would begin XX/XX/XXXX and upon completion the lender ( Triad ) would have to sign off prior to us receiving our keys to the home. Construction was signed off by lender ( Triad ) on or around XX/XX/XXXX. The issue we are having is me and co-buyer were sent on XX/XX/XXXX our updated payment letter via email, and received notice that we were behind on payments in the amount of {$3200.00} for months XXXX thru XXXX concerning this construction loan. We were informed then that we couldn't start paying towards our mortgage that was due to start XXXX XXXX until that is paid in full. We were surprised at this as we never received any bills, phone calls, or notice of this from lender ( Triad ). The day after on XXXX XXXX we were then informed that our mortgage loan would be going to XXXX XXXX XXXX XXXX XXXX but then again they wouldn't release the loan to them until said " construction loan '' is paid in full. We have since asked for the bills or notices to be sent, and we have yet to receive that information regarding " construction loan. '' I also have email correspondence where Triad has stated it was a mistake on their end that we didn't receive those bills as they had all up to date addresses and phone numbers, but weren't really sure what happened. Another email correspondence I sent to Triad asking why we are being charged for months XXXX through XXXX when actual construction was XXXX through XXXX. Trying to get the matter resolved quickly we paid {$1500.00} against said " construction loan '', but when we went to pay off remaining balance we were told interest had been accrued as the loan is in collections and the pay off was again back up to $ XXXX. How are we in collections without any notice, and how did Triad come up with this amount. I did calculations based construction starting in XXXX to XXXX and that came out to around {$1600.00}, but if they applied XXXX as well it would have come to {$2400.00}. With us paying {$1500.00} to Triad already at the most we would owe {$940.00} or least {$130.00}, but we are again awaiting the bill notices. I was informed this morning that I'd be receiving a call from management, and at this time still awaiting. We can't see to get a straight answer from anyone and each department has a different conclusion. This matter we are trying to clear up as soon as possible, but instead it feels as though Triad is extending this matter and we are being charged interest every month until paid in full and that is due to this being in collections ( debt ) when in all actuality we shouldn't be as NO BILLS, NO CALLS, NO CORRESPONDENCE was ever made prior to now. That is unlawful and wrong and Triad needs to work with us not against just to get extra monies out of us.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IA)

At the end of XX/XX/2023 US bank put a hold on my account due to a couple of disputes I made for unauthorized and unreconized transactions. I reported US bank to the better business bureau at the beginning of XXXX due to missing money out of my account and suspicous things going on with my account like missing money then money being placed back into the account days later at XXXX XXXX in the morning. also I was being double charged for transactions I had already paid for. So i did a dispute on XX/XX/XXXX and my account was shut down and has been on hold every since even though i have papers from the bank stating the investigation was over they are still holding my money and restarting investigations they have already completed.. Im going to file a lawsuit against this bank because they are messing with my funds and trying to make it seem like im doing some kind of fraud,. the ladys name is XXXX XXXX she has my account on hold and wont release my money to me... ive called my lawyer and will be filing charges against her and US bank
Consumer complaint received 2022-12-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Dispute Regarding Inaccuracies in Credit Reports Dear Sir/Madam, I am writing to dispute and bring to your attention significant inconsistencies and inaccuracies in my credit reports from the three major credit bureaus : XXXX, Equifax, and XXXX. The discrepancies pertain to the XXXX XXXX  XXXX account, and I request a thorough investigation to rectify these issues. 

Upon reviewing the credit reports, I have identified several discrepancies that require immediate attention. Firstly, in XX/XX/XXXX, when the XXXX XXXX  XXXX account was opened, Equifax reports a payment made on that specific month, while XXXX and XXXX do not reflect any payment activity. This discrepancy in payment reporting during the account 's inception raises concerns about the accuracy and consistency of the information provided. 

Furthermore, all three credit bureaus report three late payments on the XXXX XXXX  XXXX account in the months of XXXX, XXXX, and XXXX. However, there is a discrepancy in reporting regarding the subsequent months. XXXX and XXXX indicate a closed status on the account in XX/XX/XXXX, denoted by " XXXX, '' while Equifax shows payments made on the account until XX/XX/XXXX, suggesting an open status. These conflicting statuses require investigation and clarification to ensure accurate reporting. 

Additionally, I noticed variations in the balance update dates. XXXX reports a balance update on XX/XX/XXXX, while Equifax and XXXX report balance updates on XX/XX/XXXX, and XX/XX/XXXX, respectively. This inconsistency in balance reporting further adds to the confusion surrounding the account 's status and payment history. 

Considering the discrepancies outlined above, I kindly request a comprehensive investigation into the XXXXXXXX XXXX XXXXXXXX account across all three credit bureaus. Please review and reconcile the reported late payments, the missing payment in XX/XX/XXXX on XXXX and XXXX, and the conflicting payment history between the bureaus. Additionally, ensure consistent reporting of the account status, including the closure date, to provide accurate and reliable information to potential creditors. 

Once the investigation is complete, I request a detailed explanation of the findings and the corrective measures taken to address the inaccuracies. As a consumer, I have the right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), and I trust that you will handle this matter promptly and in accordance with the FCRA 's guidelines. 

Please acknowledge receipt of this dispute letter and provide written confirmation. I appreciate your immediate attention to this matter and your efforts to rectify these inconsistencies. I look forward to a prompt resolution and the issuance of updated and accurate credit reports. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (GA)

the XX/XX/XXXXnever investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XX/XX/XXXXto accurately determine or with any reasonable effort, determine if the debt belonged to me
Consumer complaint received 2023-05-11
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

In accordance with the Fair Credit reporting Act 15 USC 1681 section 602. It is imperative that Consumer Reporting Agencies uphold this responsibility to the consumer and respect their right to privacy. The lawful right to keep my information private in accordance with 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of the customers non-public personal information. ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) are considered financial institutions under that title. In accordance with 15 USC 1681 section 604 stating that In general subject section ( c ), any Consumer Reporting Agency may furnish a report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX, XXXX XXXX XXXXXXXX Portfolio Recovery ) Furthermore I did not give consent to the financial institution and the Consumer Reporting Agencies XXXX, and XXXX and they absolutely did not have my written consent. XXXX and XXXX ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) whether it be implied, verbal, written or otherwise is hereby revoked. According to15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose non-public personal information to a non-affiliated 3rd party unless the consumer is given an explanation how the consumer can exercise the nondisclosure option ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no Consumer Reporting Agency may make any consumer report containing the following items of info Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts would be adverse items that are being reported without my consent which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person has reasonable cause to believe that information is inaccurate. 15 USC 1681 e states Every Consumer Reporting Agency shall maintain reasonable procedures designed to avoid violations of sections 1681 c of this title and limit the furnishing of consumer reports to the purposes listed in 1681 b of this title. Unfortunately, XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time I am opting out of your reporting services
Consumer complaint received 2022-11-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: American Credit Acceptance, LLC (AR)

On XX/XX/XXXX, My XXXX XXXX XXXX XXXX  opened the door and was handed a paper. When she asked what is it he said he is unsure and left without a signature or verification of whom he handed the paperwork to. I looked at the paperwork and it says I am being sued by a debt collector I never heard of before XXXX XXXX XXXX and an attorney named XXXX XXXX XXXX. Suing me for a XXXX XXXX that was wrongly taken out of my possession in XXXX from American Credit Acceptance. My truck was paid off, I spoke to a rep that clearly stated I paid over XXXX for the truck and she didnt know why they were saying I still owed payments, There were payments missing and no one could explain where my money was going. I requested that they review my phone calls for each time I called in to make a payment. She said she would email me some paperwork showing the truck had been paid off once, and then payments just disappeared. Once I received the email and tried to reopen it to save it, it was no longer available, and a few days later I walked outside and the truck was gone. When I called them they said I would have to pay over XXXX to get it back. This company completely ripped me off, stole money and truck from me. Each time I tried to call them after that I would always be placed on long holds and no reply. I never heard from them again. Now almost XXXX years later this collection agency that I have never received any communication from is trying to sue me over a janky company that steals money from people. I wasn't able to verify or validate anything before they decided to sue me. I don't know if they are able to legally collect this alleged debt or if they are trying to steal from me like American Credit Acceptance. I feel completely violated and harassed and this doesn't look good on my profile. Debts are supposed to be validated and verified BEFORE they are allowed to sue you, according to new laws they aren't supposed to try to collect at all. They are not the original creditor and just trying to find a way to get money off of a scam. They didn't properly reach out to me beforehand because they know this debt is not owed and tried to find a illegal way to obtain money.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (AR)

Recently noticed and inaccuracy and FDCPA violation from Caine & Weiner attempting to collect a debt that doesn't belong to me. Caine & Weiner is reporting an inaccurate date of last activity for XX/XX/2022 on my XXXX Credit Report and a date of XXXX on my XXXX credit report. Under the Fair Credit Reporting Act inaccurate and incomplete accounts must be removed or deleted.
Consumer complaint received 2022-11-16
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (FL)

In XXXX and XXXX there were incomplete XXXX  XXXX bankruptcies filed on my behalf that never went to court because of the erroneous filing. 

After this my mortgage company US Bank stopped reporting my mortgage payment. The XXXX XXXX  were erroneous filing and that should not affect the reporting of an account that has a 30 year term. 

In XXXX XXXXXXXX, the liability on the mortgage is an exception. Heres the part of the Bankruptcy Code that excludes long term debt like mortgage.

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due.
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

XX/XX/XXXX I purchased a {$500.00} XXXX XXXX gift card from pharmacy store. 
XX/XX/XXXX, a fraudulent charge of {$500.00} was put on the card. so the card has {$0.00} balance within XXXX hours of card purchase date. ( Info obtained from Incomm support a day later ) XX/XX/XXXX, Informed Incomm Financial Service and was told the card was " drained '' on XX/XX/XXXX. case number : XXXX. 

The packaging was perfect when I bought the gift card, it was not tampered with. so it is most likely an insider job who can act so quickly to " drain '' the card. 

It is XX/XX/XXXX today, It is almost 2 months since I informed vendor of fraudulent charge and the only communication I received was a boilerplate acknowledgement on XX/XX/XXXX after I emailed the requested form as seen below. 

" Greetings, Please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. Please be advised that disputes are worked in the order they are received. You can expect complete resolution within 45-90 days. Once the dispute is resolved, the outcome will be communicated to you via email. '' As a consumer, I am not sure how many fraudulent cases you deal with on daily basis. However, I would at least want to know whether anybody is working on my case, things like " we forwarded our dispute to the vendor and it takes them up to 30 days to respond '', or " dispute sent to vendor on such date, a follow up inquiry was sent again, etc ''. The inconvenience is not caused by consumer, but some kind of security breach in your backend system. The least you could do is NOT ignoring customer for 8 weeks without a single email, but a case update even though there is no progress. 

For CFPB staff : I used to have a choice between XXXX XXXX and Incomm Financial Services. Nowadays, it seems Incomm dominate all the stores around me that left me with no choice. XXXX normally resolve fraudulent case in 30 days which also makes me wonder how come other company can work out a solution with merchant in 30 days yet Incomm requires 90 days for case resolution?
Consumer complaint received 2022-06-24
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)

My name is XXXX  XXXX and I have recently been a victim of identity theft. Someone stole and fraudulently applied for lines of credit with credit grantors without me knowing. the following accounts are a result of the identity theft. 
XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} US DEPT OF ED/XXXXXXXX XXXX XX/XX/XXXX XXXX {$210000.00} US DEPT OF EDXXXX Opened XX/XX/XXXX XXXX {$240000.00}.