davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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: Mercedes Benz Financial Services (CA)

on XX/XX/2023 my application was denied for reasons that go against consumer laws I did not give permissible purpose as usc -1681b paragraph XXXX. I never gave written intuitions permission to do anything, but the financial institution assumed I did apparently 15 U.S. Code 6801 - Protection of nonpublic personal information - ( a ) Privacy obligation policy 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 to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2016-10-28
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

The complaint described herein is centered towards Citibank not advising of ATM fees at the point of transaction, and not necessarily about the fees themselves per se. 
Citibank uses their ATM terminals at many, if not all, XXXX convenience stores in this area. The ATM is clearly marked as " Citibank '' and is furtherly recognizable as such by their corporate logo. Citibank also co-markets actively with the XXXX XXXX XXXX XXXX XXXX XXXX, of which this writer has been member of since 2009. 
On many occasions, I 've used my XXXX card at the Citibank ATM terminals at various XXXX stores. Never, not even once, did the Citibank ATM prompt a warning about fees incurred by use of an XXXX card at their terminal, which reasonably leads one to assume that there are no fees. 
I believe this a deliberate act, a deceit by omission. For example, when I tried my XXXX and XXXX cards, the Citibank terminal display will promptly, and quite correctly, apprise me of the imminent usage fees incurred by both Citibank and the card issuer, at which point I 've always declined. 
In all, I 've been relieved of approximately {$50.00} ( {$2.00} withdrawal and {$.00} inquiry fee ) in unsuspected fees in just the last month. My investigation is ongoing back to when I joined XXXX in 2009, which may be more or less that stated amount, but it 's entirely plausible that I 've lost approx. $ XXXX {$700.00} dollars a year for the last 7 years that I 've been a member of XXXX , which I only discovered serendipitously while checking my account relating to another matter. If warranted, I 'd like to be remunerated for these fees entirely as well as punitive damages. 
Moreover, there are potentially hundreds, if not thousands, of XXXX employees that are unaware of such fees. Citibank certainly is n't saying anything. Moreover, I would n't be surprised if the XXXX, and even XXXX, are complicit in this matter. It 'll be interesting to see where this investigation goes. 

After all, XXXX XXXX started out as " nothing '' ...
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: West Realm Shires Services Inc. (FL)

I believe West Realm Shires Services, dba FTX.US is in violation of the Electronic Funds Transfer Act ( EFTA ) by failing to make funds available to me by the disclosed date of availability. FTX is holding cash funds that belong to me, without communicating in any way when they will return my funds. These funds comprised over half of my families life-savings. As a young family with two children under 3, I can not express how significant of an impact this is. This is my girls ' college funds.

I withdrew from my cash account balance via the FTX.US app, via one ACH transaction of {$11000.00} to be sent to my bank account at XXXXXXXX XXXX, following the FTX.US guidelines, instructions and terms of service on XX/XX/2022 ( three days prior to FTX.US declaring bankruptcy on XX/XX/XXXX ). At the time, FTX.US openly stated on their official website and XXXX page that withdrawals were fully operational and processing. At the same time, there are numerous reports of others successfully withdrawing from their FTX.US accounts, both before and after my withdrawals. 

These are funds that belong to me, were being held in a custodial arrangement on my behalf, and were withdrawn PRIOR to bankruptcy, fully within the Terms of Service of FTX.US. Per my account on both the FTX.US app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via FTX.US support directly that my ACHs were being sent. Further, I was told the transactions were in process, past the point of modifying or in any way, and that they would arrive in 3-5 days. I have yet to receive my funds.

The FTX.US terms of service clearly state that my U.S. Dollar account balances would be held for my benefit at XXXX XXXX ; Your FTX.US Account allows you to hold and transfer US dollars which are held by FTX.US for your benefit at XXXX XXXXTo the extent you hold USD XXXX balances ( and such balances are not held in stablecoins or other investments ), those XXXX balances are held in customer XXXX accounts at FDIC-insured banks ( XXXX XXXXor customers of the FTX.USas of XX/XX/2022 ). I have reached out multiple times, to multiple contacts FTX.US and I have yet to receive any response at all from any of these parties.
Consumer complaint received 2023-01-18
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. (OH)

In accordance with the fair credit reporting act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 ( 1 ) XXXX XXXX XXXX. XXXX ( 2 ) XXXX XXXX XXXX. XXXX 15 U.S.C. 1681 section 602 A. states I have a right to privacy 15 U.S.C. section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information.Any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C.1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-18
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: SYNCHRONY FINANCIAL (TX)

I applied for Care Credit and XXXX XXXX through an ad on XXXX. Both of the consumers stated that it would be a soft inquiry and would not affect your credit score! This needs to be addressed if they are pulling hard inquiries and being deceptive to applicants!!! I have screen shots but only camera comes up not able to upload screenshots of companies stating " see if you qualify with no impact to your credit score ''.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Our initial mortgage was with Bank of America who offered to refinance, but the payment was as much as original mortgage due to pending mortgage deficiency, they then sold our mortgage to one of their subsidiary 's " XXXX XXXX XXXX ''. 

We had sought the assistance of XXXX to assist us with the refinancing. XXXX XXXX XXXX refused to refinance our mortgage telling XXXX they had received our paper work too late. However, this was in correct as all requested documents were sent and submitted within the time frame required. XXXX XXXX simply refused to work with XXXX on our behalf. 

In addition, XXXX XXXX XXXX it would appear intentionally caused our mortgage to become default, which resulted in them selling it to XXXX XXXX XXXX. 

XXXX XXXX at the time of selling our mortgage to XXXX on XX/XX/XXXX, was negligent in their fiduciary duties in that they did not disclose to XXXX that we had filed a complaint with your agency, Consumer Finance and that they ( XXXX ) had refused to work with XXXX. Their action resulted in the property being sold to XXXX without any consideration for our need and ability to re-finance in an attempt to save our home. XXXX obtain a court order resulting in us having to vacate the property no later than XX/XX/XXXX. 

The action of XXXX XXXX has caused not only the loss of our home, but extreme emotional distress and absorbent monetary loss and financial hardship. 

We appeal to you for any all assistance and remedy with respect to the issues raised in this complaint. 
We thank you in advance for your kind consideration and concern in this matter. 

With kind regards, we remain.
Consumer complaint received 2023-01-18
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: Fidelity National Information Services, Inc. (FNIS) (MA)

Chexsystems received a notification from XXXXXXXX XXXX that my account had been closed due to fraudulent activity. Which is false. I had previously requested to have the account closed remotely ( I had XXXX at the time ) due to their excessive overdraft fees. I nearly took legal action against them until a class action law suit was filed and I was awarded over {$300.00} in reimbursements for fees accrued. XXXX XXXX are now demanding the exact amount I was awarded through the law suit be paid in order for my chexsystems record to be cleared I have requested that Chexsystems remove this record but they said I should negotiate with the bank despite my concerns that the bank was retaliating against me due to my initial complaints. It is a tactic one of their reps said they would use. I can not afford to wait for Chexsystems 30 day investigations. This is already the second one. I receive my XXXX  loans through a credit union. I have delayed spring enrollment because I can not open a checking account at my credit union so I can process the loan.
Consumer complaint received 2023-01-18
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. (NC)

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 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (PA)

we received a letter stating we had to pay {$1500.00} for an eletcric bill from a place in Michigan but we live in XXXX Pa I phoned Harris & Harris debt collector, where we got the letter from. 
They told me it was a false collection. 
I phoned the XXXX XXXX XXXX and they told me how to fill out the fraud papers. 
We received the letter XX/XX/XXXX. 
The debt was from a place XXXX XXXX XXXX Michigan XXXX It was for electric from XX/XX/XXXX to XX/XX/XXXX Account # : XXXX
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MI)

Please note this is NOT A DUPLICATE complaint. It is another complaint on Freedom Mortgage for different violations. 
FM falsely and wrongfully reported me late on mortgage payments to the credit bureaus resulting in a denial of credit to refinance. See copy of email denial below. 
" On XX/XX/2016, at XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : XXXX, Thank-you for your on line application. The information on the application meets the guideline we are required to send a loan estimate. See attachment # 1. Unfortunately we are not able to take your application at this time. Your loan is ineligible due to a 60 day late payment and a 90 day late payment reported on your credit report by Freedom Mortgage within the last 12 months. The 2nd attachment contains your credit score disclosure. On page 2 of the disclosure is information on obtaining a copy of your credit report. We are not able to provide you with any additional information regarding the reason or the status on the reported late payments. You will need to contact your mortgage servicer and discuss this information with them. The information is being reported by XXXX. Before XXXX would be able to proceed with an application there can be no mortgage late payments being reported within the last 12 months on your credit report. I am sorry we are not able to assist you at this time. Thank-you. 
XXXX XXXX Mortgage Consultant XXXX # XXXX XXXX XXXX, MI XXXX XXXXXXXXXXXX Phone XXXX Fax XXXX '' FM has not posted payment on the correct dates and places and has not provided a mortgage balance after each payment is posted. The Monthly statements do not match the loan overview. 
FM has violated the policy on your website for mortgage lenders to follow. 
1. Servicers have to give you a written mortgage statement1 each billing cycle showing : What you owe on the current bill, and how much, if any, will be applied to principal, interest, and escrow. If your mortgage loan has multiple payment options, the statement must show whether the principal balance will increase, decrease, or stay the same for each option listed. 
Payments made since the last statement How previous payments were applied Transaction activity ( including any fees or charges to your account ) 3. Promptly credit your payments. 
Servicers have to give you credit for your full payments as of the day they come in. If you pay only part of what you owe, the servicer may hold your partial payment ( s ) in a special account. But, the servicer must tell you about this on your monthly statement. When that special account collects enough money to make a full payment of principal, interest, and any escrow, the servicer has to credit that payment to your account.
Consumer complaint received 2023-01-18
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. (NV)

I received a Correspondence that my personal information was compromised in the XXXX internal data breach. After being notified I reviewed my reports and learned that an account reporting as XXXX XXXX XXXX XXXX that I have no knowledge of is reporting on my credit report, On XXXX XXXX, I forwarded a certified letter to XXXX, and Equifax asking that they verify this account and send me their investigation results or Delete this account which I am requesting, the aforementioned credit agencies has failed to do so, they only comment on my credit file that the account was verified, without and supporting documentation or responded to my dispute. I am initiating this compliant against XXXX and Equifax and moving forward with letastl options if this account is not investigated immeditately and deleted.
Consumer complaint received 2023-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I was affected by XXXX and participated in the Mortgage Forbearance Program. I setup a loan modification with the company. I started paying the amount designated by the customer service agent at the mortgage company. The mortgage company was Suntrust. Suntrust and BB & T merged into a new company called Truist. 

I called Suntrust on several occasions when I received letters from them that I was behind on my mortgage during the modification period. I was told by home preservation department that I should ignore the letter because it was showing in their records that a loan modification was in the process. They did an investigation and assured me that they hadnt reported a delinquency on my credit report. 

However Truist did report derogatory activity to the Credit Bureau for XXXX, XXXX, and XXXX of 2022. 

This needs to be corrected.
Consumer complaint received 2023-01-18
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. (CT)

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (NY)

My name is XXXX 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 reports no consent is fraud.
Consumer complaint received 2016-02-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: TRANSWORLD SYSTEMS INC (FL)

I attended XXXX XXXX in XXXX XXXX New Jersey and my program was XXXX. I attended school 2013 and i wanted to do the XXXX. I I found out in orentation that my program was changed to XXXX at the last moment I felt it was unfair because i really wanted billing andcoding I felt pressured in to the program I did not pick but i wanted new career for myself and thats whst the promise now i ccompleted program and the promise to help get me work and they were sending more than XXXX resume to the same employer which msde it hard for me to grt work. Now im broke no job and XXXX kids to care for i cant afford to pay loans back. I sent my resume to some companies i only got work at XXXX XXXX.
Consumer complaint received 2023-01-18
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. (AZ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (VA)

This is my refilling of my complaint to TRUIST BANK for taking no action on correcting and removing the fraudulent account including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-01-18
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: Bread Financial Holdings, Inc. (AZ)

XX/XX/2023 I received notification that I've have an new hard inquiry from XXXX XXXX INTE. I have no idea for what because the creditors provided no information. So I'm taking this step to try an resolve the issue
Consumer complaint received 2023-01-18
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. (TX)

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 reports no consent is fraud.