davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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: General Motors Financial Company, Inc. (GA)

Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

XXXX XXXX XXXX : XXXX / XXXX XXXX  : XXXX / XXXX / XXXX GM FINANCIAL : 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 I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.
Consumer complaint received 2022-03-16
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: CITIBANK, N.A. (GA)

Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

XXXX XXXX XXXX : XXXX / XXXX CBNA : XXXX / XXXX / XXXX XXXX XXXXXXXX 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 I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.
Consumer complaint received 2024-12-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Home Depot for Account Closure Without Proper Notification To Whom It May Concern, I am writing to formally lodge a complaint against Home Depot regarding the improper closure of my credit account and inadequate notification following their offer of a deferred no-interest payment plan to bring my account back on track. This action not only disrupted my financial planning but also appears to violate my rights as a consumer. 

Background On XX/XX/XXXX, Home Depot offered me a deferred no-interest payment plan as a resolution to manage my account effectively. I agreed to this arrangement in good faith, believing it would help rectify any outstanding issues. However, on XX/XX/XXXX, I discovered that my account had been closed without receiving any prior notification or explanation from Home Depot.

This sudden account closure has negatively impacted my credit score and caused financial inconvenience. I believe Home Depot failed to act in good faith and did not comply with proper notification procedures, which I understand is a fundamental consumer right under the law. 

Relevant Legal Precedent The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, establishes that consumers must be notified of adverse actions taken by creditors, including account closures. Furthermore, the Truth in Lending Act ( TILA ), 15 U.S.C. 1637 ( c ), requires creditors to provide clear and timely communication regarding significant changes to credit agreements. 

Additionally, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the Supreme Court emphasized the importance of providing consumers with transparent notice regarding changes to credit agreements. Home Depot 's actions appear to violate these principles by failing to notify me adequately.

Request for Investigation and Resolution I request that the Consumer Financial Protection Bureau investigate Home Depots practices in this matter. Specifically, I ask for the following : An explanation from Home Depot regarding the decision to close my account. 
Evidence of any notifications sent to me regarding the account closure. 
Reinstatement of my account or removal of any negative credit impact caused by this action.

Assurance that Home Depot revises its notification procedures to comply with federal laws protecting consumer rights. I hope these materials provide sufficient evidence to support my complaint. 

Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX for further information. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MI)

I have called Truist 3 times about my mortgage payment. I had no issues with SunTrust. I was set up to have my payment come from savings. Since Truist took over they are hitting my checking account. They charged me an NSF fee. Told me they would take it off my account due to their error, but instead continued to charge me the NSF. Asked them to fix the account so they hit savings. Employees could not figure out how to do it. They hit my checking again. They wont answer the phone. They dont have the ability to accept emails. Employee I did talk to the one time told me I needed to talk to digital support if it hit checking again. So I called that line only to get Life Line wanting to give me a button to wear around your neck. This bank is the worst ever!!
Consumer complaint received 2022-03-30
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (PA)

I went onto the Truist website to check the amount balance on my mortgage. I then went to make a payment and the option to go directly to the mortgage company is no longer available. All of this occurred on XX/XX/22. I have tried to call the company and I have been on hold for over 2 hours. When I was connected to a live individual, then they said they would issue a complaint which will be noted about the website. I asked how I can pay my mortgage, and the individual provided no response. I was then suggested to be transferred again with no support. There is no way to contact the bank through email to have my complaints addressed. On the website it states that if you login, then all services will be available. However, once logged in there is no website to pay online. To pay over the phone is an additional fee. The last occasion I paid in person, the amount went missing and applied incorrectly. When I last sent in an amount via snail mail, it was not received in time and I received a penalty. Therefore, having a mortgage site up and available for easy access to users would solve the problem. However, Triust Bank/ Mortgage does not support their customers.
Consumer complaint received 2022-03-29
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. (NM)

For the past five years, I have attempted to contact the credit reporting agencies regarding incorrect items on my credit file that don't belong to me. It appears to me that someone has my personal information and has been establishing fraudulent credit in my name. I have put several fraud alerts on my file. The most recent is for {$970.00} from XXXX XXXX XXXX XXXX XXXX services opened on XX/XX/XXXX. And there's the XXXX auto finance for {$7700.00} back in XXXX. I have attempted to contact the auto company for years to dispute this charge. I have now filed a police report because this fraud continues and it is exhausting trying to fix my name and financial credit report.
Consumer complaint received 2022-03-30
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SUNRISE CREDIT SERVICES, INC (AZ)

sunrise credit services has had my debt from XXXX XXXX since XXXX i made one payment in XXXX  and one payment in XX/XX/XXXX and havent heard from them since until today XXXX XXXX i have a balance with them of XXXX for old student tuition debt. i never received written documentation from them before i started getting phone calls. they hardly call or notify me of anything except when they do call, they are very intimidating and rude and expect me to pay large amounts when I cant. ive been told by their representatives that i could just get a second job, its my debt to pay so i have to pay it, ive been lied to that they dont have supervisors to speak with, ive been told that they will send my account to legal to have my assets investigated like if im working, my checking accounts, and to put a lien on it to force me to pay when ive never been made aware of that before. theyve hung up on me when i wont pay, theyve used profanity and predatory language and make no efforts to be personable. not one conversation has made me feel safe even dealing with this company. im aware of the debt, but im aware of my rights
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (FL)

I have contact these companies several times since XXXX XXXX. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (NM)

I opened a PayPal credit account a few months ago. I decided to try the autopay, and it caused two errors. After the first error, I called customer service, and the {$29.00} returned check fee was restored to my account. The same thing happened again on XX/XX/XXXX. The XXXX customer service representative claimed that my bank rejected the auto payment, and they were closing my account because of too many " dishonored payments! '' I was able to make the remaining payments including a {$29.00} " returned check fee. '' I made a manual payment the following day on XX/XX/XXXX for {$110.00} with all the same bank information. The manual payments always worked without a hitch. 

Also, my bank confirms that there is no record of any rejected payments to XXXX. 

My XXXX  credit account was closed and I was offered to apply for another one the next day.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AR)

Date assigned- XX/XX/XXXX Original amount owed- {$240.00} Date of last Payment- XX/XX/XXXX Balanced owed- {$0.00} I have reached out to this company several times about removing this charge off from my credit report, they have refused to remove it even though the account was paid in full.
Consumer complaint received 2022-03-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I submitted a Debt Validation Request to XXXX, an email confirmation was sent to me XX/XX/2022. The email stated that my request was received and to allow up to 30 days for a response. On XX/XX/2022 I received a letter from XXXX stating that no adjustment was needed for the alleged account due to their research. THEY ARE IN VIOLATION OF THE LAW! I requested that the original contract with my alleged signature be sent to me, or drop the debt to a zero balance and cease and desist all collection practices. However, they never sent anything aside from the email confirmation, and letter stating that the alleged account is accurate based on their investigation.
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (WV)

EQUIFAX BROKE THE LAW! On XX/XX/XXXX I submitted a complaint through the CFPB about being denied my consumer report. At which time, I expressly requested My " Complete '' Consumer Report AND FILE. I did not request a portion of my consumer report and file nor even mention anything whatsoever having to do with specific " account names '', " numbers '' or any " disputes ''. I was simply trying to get access MY INFORMATION they have stored. Although my initial failed attempts to access MY INFORMATION could've possibly been passed off as computer error, their response to my CFPB complaint issued on XX/XX/XXXX CAN NOT and I have uploaded that response here as an exhibit to the fact. SO, THIS COMPLAINT CONTAINS XXXX ADDITIONAL VIOLATIONS OF FEDERAL LAW! Equifax broke the law by denying to provide ALL of the information in my Consumer Report AND FILE as I requested and thus closing the matter. 
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In General ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing.
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (VA)

Payments have been miss applied since XX/XX/XXXX. I have called in every two weeks and issue still not fixed. 
XX/XX/XXXX XX/XX/XXXX Normal Payment {$170.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$20.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Assessment $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$0.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$150.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$15.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$150.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$9.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$380.00} Applied
Consumer complaint received 2023-03-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: ENOVA INTERNATIONAL, INC. (TX)

Net Credit is using an old address for my PII. 

When I created the loan request, in XXXX I used my XXXX address as I recently moved. 

My charged off account however shows the address that was on my drivers license which is XXXX 

I have contacted Net Credit requesting this address correction yet they have denied this. This is a violation.
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Resolution Corporation (IL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ACCOUNT RESOLUTION CORPORATION for committing identity theft. I have never given ACCOUNT RESOLUTION CORPORATION any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ACCOUNT RESOLUTION CORPORATION before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ACCOUNT RESOLUTION CORPORATION can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Debt Collector ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Debt Collector ) continues its collection efforts, I will file for litigation for actual damages caused and ( Debt Collector ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I went on XXXX, a company that allows peer to peer in purchasing and trading cryptocurrency. I got involved with a person whom we were chatt With each other and decided to make a purchase through PayPal. I sent the payment and completed the transaction Then on her side it said pending so she could not do anything yet.this was about 5 mins later I told her she needs to send my crypto to me, meanwhile I contacted PayPal and filed a dispute to cancel, it was sent through friends and family method but immediately I tried to cancel and do I dispute this transaction. Because she said she did not receive my payment and PayPal says pending. I called everyday trying to dispute this pending transaction. PayPal closed my case and then sent the money to that person. That person decided to ignore everything and kept my money. I have tried calling my bank which was throug XXXX  they said its PayPal whom I need to get in toouch with me. That person is totally aware she stole my money. It is PayPal whom disregard my pleas to cancel that transaction and then payment was taken out of my account immediately and was pending for three days in which everyday I was trying to cancel this payment. Please help. That lady still holds an account with PayPal and I have messaged her through PayPal and she declined my request on PayPal. I have all the back in forth interactions with that person. She is aware she scammed me through PayPal. PayPal agreed the money was sent correctly even though 5 mins after I have been trying to cancel this payment please help
Consumer complaint received 2022-03-30
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)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.
Consumer complaint received 2022-03-23
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. (SC)

The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.