davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION (VA)

On XX/XX/2022 Suncoast Credit union florida notified me that a fraud had occured on my suncoast credit card. I blocked the card number from further use and they reissued a new card. I was fully reimbursed. I told them both cards, my wife and mine were locked in our house and we stopped using that card 2 years ago. Then as a victim of this theft via use of the credit card number the credit bureaus, all three sent me stating I had reported my card lost or stolen and that as a crime victim this could. lower my credit score. I told Suncoast their report to the credit bureau was false that one can not be hold in credit card on their hand and claim that the same card is stolen or lost. Suncoast tried to make me sound negligent in the number of card being used. In fact, I wonder how they did get my number as the two cards are locked in the house and have not seen the light of day in two years. I suspect it was a data breach at Suncoast. What I was told at suncoast credit union was that theft or loss of a credit card is the same as someone having stole only the number and used it. At anyrate as a crime victim, My credit score may well be lowered at all three bureaus through no fault of my own and false reporting by suncoast credit uunion which they did with intent. If a person holds a nickel in their had, that nickel is not lost or stolen but rather it is in their hand.
Consumer complaint received 2024-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I am submitting this complaint regarding NewRez 's handling of a loss draft check for an insurance claim that is associated with my mortgage loan. On XX/XX/year>, I overnighted a loss draft check to NewRez in the amount of {$170000.00}. Despite repeated follow-ups, the disbursement of these funds has not been issued as of XX/XX/year>. 

This delay is causing significant hardship. Our home sustained extensive damage from Hurricane Helene, rendering it uninhabitable. The timely release of these funds is critical for making necessary repairs and restoring our property to a livable condition. 

I have contacted NewRez 's Loss Draft team multiple times to request an update. However, I have not received any clear explanation or timeline for when the disbursement will be processed. This lack of communication and action has left my family in a precarious situation without a resolution in sight. 

I am seeking the CFPB 's assistance in addressing this issue and ensuring NewRez takes immediate action to release the funds necessary for repairs. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNT
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (MN)

XXXX XXXX chip picked stole by XXXX XXXX XXXX XXXX XXXX XXXX XXXX judge agreement dissolved marriage agreement made by XXXX XXXX XXXX latter XXXX XXXX  issue by XXXX XXXX ruined my XXXX XXXX account had to pay more over XXXX along with filling civil rights with XXXX XXXX  XXXX lost stolen items
Consumer complaint received 2022-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (GA)

I purchased a refrigerator from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, GA XXXX on Sunday, XX/XX/2022. The refrigerator, delivery, hook up and accessory came to {$2100.00}. I did not want to get a loan for the whole amount and I knew that I would pay it off very quickly. I made an initial payment of {$700.00} ; therefore, I was only getting a loan for {$1400.00}. Today I wanted to make another payment of {$1000.00} ; however, I inadvertently made a bi-weekly payment of {$130.00} so I made a second payment of {$850.00}. The account balance did not reflect those payment amounts. When I checked my bank account they debited {$110.00} and {$760.00}. The account is also showing an early purchase amount of {$1300.00}. I engaged in a chat online with a representative of American First Finance and none of the responses make sense to me. She said that my {$700.00} is a security deposit. I was not told anything about a security deposit when I made the purchase and if you look at the receipt from the store it clearly indicates they took cash in the amount of {$700.00} and the " Lease to Own '' amount is {$1400.00}.
Consumer complaint received 2024-11-22
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. (LA)

I am writing to notify you that I am a victim of identity theft resulting from a data breach.

Unauthorized accounts have been fraudulently created in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2400.00}
Consumer complaint received 2024-11-22
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. (VA)

I am writing to formally report that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts : Fraudulent Accounts : 1. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$83000.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}
Consumer complaint received 2022-06-06
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. (RI)

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. 

In accordance with the Fair Credit Reporting act the follow companies/entities have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NEVER LATE ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Paid as Agreed and never late delete all 30 and 60 day derogatory remarks or completely delete this item ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

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 2022-06-06
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. (RI)

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. 

In accordance with the Fair Credit Reporting act the follow companies/entities have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NEVER LATE ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Paid as Agreed and never late delete all 30 and 60 day derogatory remarks or completely delete this item ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

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 2022-06-06
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: GOLDMAN SACHS BANK USA (RI)

On XXXX XXXX XXXX I was traveling across the country alone, I was in Arizona this particular night when i used an app on my apple XXXX  called XXXX XXXX I booked a room at XXXX XXXX. My Apple/Goldman Sacs card was immediately charged which I did not use throughout my travels, I used my XXXX XXXX XXXX I did not like the unprofessional man in the lobby or the other man lurking. I immediately cancelled the reservation and left. I went to a XXXX XXXX XXXX XXXX and stayed. I've provided Apple credit card/Goldman Sacs all of the receipts for nearly one year. They refuse to remove the charge that happens every month, in which I dispute the charge and the whole thing just regenerates each month. I will NOT pay this fraudulent charge. I did not stay in the hotel, XXXX XXXX has no record of me nor does XXXX.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (IL)

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion refuses to remove inquiries from companies that have no record of me ever applying for a credit line with them. They requested a deletion letter from these companies but they have no letter to send to me because I am not in their system having ever applied.
Consumer complaint received 2022-06-06
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. (CA)

I am a concerned consumer, this was not made in error I am the consumer concerned and is being violated by XXXX, EQUIFAX, AND XXXX I have sent dispute letters challenging accounts that were not notated in a timely manner, I made a previous complaint and it was not addresses correctly. I am not disputing to verify if the accounts belong to me, I am simply complaining that the accounts were not investigated in a timely manner and notated that they were in fact in dispute once I reviewed my credit report. The investigation was prolonged and I did not receive results in a timely manner and the account remarks did not show these accounts were disputed by me the Consumer.
Consumer complaint received 2022-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

The company has placed a negative credit report stating I did not pay a bill when this bill was added on to account that had a XXXX balance. I called the XXXX XXXX and a representative stated that XXXX XXXX would take care of this. It has not been taken care and this bill is not due until XX/XX/2022 so I could I be delinquent? 


COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IL)

1. On XX/XX/XXXX I contacted Selene Finance, LP and requested a copy of the second XXXX Escrow Analysis which alleged to have been completed in XX/XX/XXXX. Representatives with the company stated that there was not an escrow analysis completed after XX/XX/XXXX, but that they were in process and I would receive it when completed. 
2.More than 30 days have transpired and As of XX/XX/XXXX I have still not received an escrow analysis redone from Selene Finance LP/XXXX  XXXX 
3. Escrow for Tax and Insurance related to property and casualty is an annual requirement, but Selene Finance LP/XXXX XXXX has been calculating the monthly installment spread over 36 months, in contravention to regulated requirements on Escrow of Insurance and Taxes which fluctuate 12 month cycle, not a three year cycle. This process would artificially inflate a payment and drag it out over a longer period, which in turn would be fraudulently added to a consecutive year 's projection, after a new annual escrow analysis is performed. Selene Finance has not performed an accurate escrow analysis for the 12 months XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX 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 without my written instructions.
Consumer complaint received 2022-06-06
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. (MS)

The Credit bureaus stated XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and a lot more inaccuracies. Ive attached XXXX, XXXX and XXXX credit reports. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given this account written permission to furnish this account on my credit report as well
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (FL)

In XX/XX/XXXX, I signed a XXXX-year lease for a residential property in XXXX, Florida. This property was leased directly from the property owner. Shortly after, the owner turned the management of the property to XXXX XXXX XXXX. I ended the lease after 9 months because I purchased a home. Upon termination, I returned the property back to the management company according to the lease agreement. However, the management company charged me for things not required under the original lease agreement. These charges included professional carpet cleaning and professional house cleaning. I also provided photo evidence of the propertys post-move-out condition and disputed the charges. The management company refused to correct the charges. The total amount in dispute is {$850.00}. This account was eventually turned over to a collection company. The collection company is Southwest Recovery Services. Over the past 2 years, I have contacted the collection agency and disputed the charges with evidence to no avail. My last written correspondence was on XX/XX/XXXX. I have also disputed the charge directly with XXXX. This too was unsuccessful.
Consumer complaint received 2022-06-06
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. (NY)

I've tried many times to get through to Experian to see why there reporting is so off with others Different models don't calculate XXXX point differences. I'm XXXX and XXXX on my XXXX and XXXX. Shows XXXX on Experian. I've tried to get an explanation by calling and online but it's been a futile effort. It's ridiculous how 1 company could impact my current and future financial status and you can't get any answers. They try to sucker you with the boost to get your personal information. I want an explanation on why it is what it is. I want it to be corrected ASAP.
Consumer complaint received 2024-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/XXXX we deposited a Check in our USAA checking account for {$XXXX}. USAA closed the branches in our state so we had to mobile deposit the check. They have now put a hold on the check until XX/XX/XXXX. They are saying there is nothing they can do and its a standard hold. We have deposited checks before from the same place but they are saying it doesnt matter. Our account has had some overdrafts but they are always paid and now we cant access funds because of that. They will not release any of the funds even though the XXXX check has an authorization code. It is now XX/XX/XXXX and I have called my bank everyday since the XX/XX/XXXX and have gotten the run around. The check has cleared but they will not release the funds.
Consumer complaint received 2022-06-06
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. (PA)

I recently received a copy of my credit report and found that the credit reporting agencies Trans Union, XXXX and XXXX are legally reporting inaccurate and false information about me. The following alleged accounts are listed as collections with a past due balance this is a violation of the FCRA and is also in violation of requisite Metro 2 compliance reporting standards according to the federal reporting act I have the right to a fair and accurate credit report, They are required to remove any information that is not true, accurate, and verifiable. 

XXXX XXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code 1681 B ( 2 ), 15 US Code 1681 A ( 2 ) B
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I have reached out to This debt collection agency regarding a debt that is not mine, i asked then to verify the debt with simple information, they failed to provide the information i requested in the debt validation letter i requested for these items listed below ; Date of Original Charge or Delinquency : ______________________________________________________________________ Was this Debt assigned to a Debt Collector or Purchased? 
______________________________________________________________________ Amount Paid if Debt was Purchased : ______________________________________________________________________ Commission for debt collector if collection efforts are successful : ______________________________________________________________________ REQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants Genesis Credit Management the authority to collect this alleged debt.

Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?

YES- NO Have any judgments been obtained by any creditor regarding this account?

YES- NO Please provide the name and address of the bonding agent for Columbia debt recovery in case legal action becomes necessary : they failed to provide the information requested in 30 days.