davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: U.S. BANCORP (AR)

I applied for a personal loan in XX/XX/year>. Initially, they denied the loan due to my children 's social security benefits and child support. They asked for proof of receipt for social security, child support, they asked for my children 's ages, birthdate, who receives what income, and when they will stop receiving benefits. They denied me due to my children 's age and when they will stop receiving benefits. They did a counteroffer of {$18000.00} and then denied me. I applied a second time, and I was denied the {$25000.00} but an offer of {$18000.00}, term of 60, Rate of 20.409 % and to accept the offer to contact my banker or notify them at the address below within 10 days. I go to the bank today and they told me it does not show in their system, and I was denied the loan. The creditor is listed but without a telephone number, address, or name of direct contact person. Rather, they list the credit reporting agency 's address and telephone number. No self-test was conducted, no copy of the evaluation. I asked if I could use my land for collateral or a cosigner and she told me I can apply for a mortgage loan, no information on programs that banks offer to help women and the minority for loans, they lied about unable to verify income and denied me when they had received all income, they never disclosed to me that the social security/child support did not need to be revealed and never gave me the option to agree or disagree, they utilized the social security/child support to deny me credit that was predicated on aggregate statistic. I told them they have discriminated against be and in violation of fair housing. They determined that once my children turn XXXX, they will not be receiving assistance, and my income will be interrupted or decreased. The creditor initially utilized the child support on the first loan and not the social security. He chooses which income he wanted to utilize and not what I submitted. When he took that step, they stated I was denied due to debt to income. I told them that they sent me a letter stating unable to verify income so how are you going to say I am in debt if you do not have any income to compare it to. When I spoke to the bank today, I was informed that I can not speak to the underwriter directly nor the supervisor because the supervisor does not have a direct number. I have several phone recordings and emails to corroborate my story.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my XXXX year in XXXX  and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is 2021 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me! 
I have a copy of my reports but I dont know what to do with the information.
Consumer complaint received 2020-08-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please review our credit scores for the months of XXXX and XXXX of XXXX, there is a late-payment or non-payment, that was turned in by New Rez LLC, which is not correct .We had a choice to make in XXXX of XXXX, either make up the shortage of {$2800.00} from my XXXX property taxes, which New Rez  paid that month, or pay {$1700.00} per month until XX/XX/XXXX. We chose to pay the shortage for the amount stated. 
The same thing happened in XXXX XXXX, we paid and my payments went back to almost the same amount XXXX {$1200.00} more or less ), that I have been paying since I bought the house in XXXX of XXXX. This year was different with my mortgage after paying the shortage. No reduction in my monthly payments. We have included my payments, from them, which shows that we are telling the truth. I contacted them by e-mail, ( included for you to see ), called approximately 10 times during the 6 months that this was going on, informing them that they can not collect the shortage and charge me the higher payments at the same time. There was no response from them, neither had they say they would look into it and change the payments to reflect the money I had already paid, NOTHING was done. 
Included are all of the statements from XXXX of XXXX to present. My checks for {$1200.00} XXXX cleared their accounts before the XXXX on both XXXX and XXXX, the due date, and the deficit of {$520.00}, was more than paid by the {$2800.00} in XXXX. In fact there was enough money to cover all the months with their inflated payments, from XXXX through XXXX. 
Please note my monthly payment for XXXX, XXXX, look at the monthly payment, and also look at the payment for XXXX. We paid in full the XXXX statement, XXXX, knowing that if we didnt, no matter what we said or wrote, they would turn me in again, and we will pay for XXXX, by continuing with these payments, they will be collecting approx. {$4400.00}, in escrow for a tax bill for XXXX, that has NOT been paid by New Rez  and wont be until XXXX XXXX, and according to the county will be about {$1500.00}, we will receive this before the end of the month, we will have paid in approx. {$7200.00} since XXXX of XXXX until XXXX of XXXX. Please look into this and restore my credit, I have included all the documents for review, and will furnish any other documents that you request. 
We have done nothing wrong, I have sent a certified letter and documents to their XXXX, XXXX. office with an attempt to correct my credit, but so far there has been no response.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

My pandemic check went into bank on XX/XX/2020 and I was in the hospital when I called to check my checking balance it was all there. I then went to withdraw money and my account balance says its XXXX. I called TD bank to try and sort out the matter and they said my account is locked and nothing they can do even though they are the ones who locked my account. Ive reached out to 3 different branches and all the same thing they cant do nothing to help. So now that Im out of the hospital my fianc just gave birth and my bal is XXXX and cant get anything I need for my newborn they pretty much told me not there problem. I did however call there 1-800 number and got somewhat of an answer the gentleman told me he can see the money trail as it was wired to my routing number and my account number and said I should have been able to acess it right away and Im just a little stuck here
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My identity was stolen, and an account was opened with XXXX using my Social Security Number, my middle Initial and my Second Surname, I received a Notice dated XX/XX/XXXX from a collection agency claiming that I owe over {$2400.00} to XXXX. The Notice shows my first name, and my Second Surname ( without showing my legal Last Name ), and without disclosing the creditor 's account number. 

XXXX Credit Report dated XX/XX/XXXX, shows the XXXX XXXX credit inquiry on XX/XX/XXXX. 

TRANSUNION Credit Report dated XX/XX/XXXX was issued in two names : 1 ) my full legal name, and 2 ) my first name, my middle initial, and my Second Surname ( without showing my legal Last Name. ). IT SHOULD BE NOTED THAT MY SECOND SURNAME WAS REMOVED FROM MY FULL NAME OVER 51 YEARS AGO, ON XX/XX/XXXX BY THE US DISTRICT COURT IN XXXX, NY. The Credit Report also shows that XXXX opened an account using the Second Surname on XX/XX/XXXX ; the account was closed on XX/XX/XXXX and is in collection. 

As I am a senior citizen ( almost XXXX years old ) and seldom use credit, I tried to protect myself against this type of fraud by placing Security Freezes with XXXX  on XX/XX/XXXX and with TRANSUNION on XX/XX/XXXX, which I never lifted. 

I am a victim of financial fraud. I have been financially harmed because my credit information was negligently released on XX/XX/XXXX to XXXX, WITH WHOM I DID NOT HAVE AN EXISTING ACCOUNT. This was done without my consent and without regard to the Security Freezes that I placed over 13 years ago on all my credit files. 

I have informed XXXX, TRANSUNION, and XXXX of the above and have filed an Identity Theft Report with the Federal Trade Commission.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (VA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-19
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: EQUIFAX, INC. (AL)

In XX/XX/2020, I filed a dispute with Equifax about the unverified account : XXXX XXXX   account # s XXXX. I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. I disputed the same account with XXXX credit bureau in XXXX and it was deemed unverified and XXXX removed it from my credit files in XXXX of 2020. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

on XX/XX/XXXX an account opened in my name under XXXX ( which this business seems not exist ). Account number : XXXX i dont have the last XXXX of the account # and when i try to call XXXX for details i give them my social and they tell me no account is associated with that social. So after hearing that ; I disputed it with Equifax during the week of XX/XX/XXXX this was my second time requesting Equifax to remove the account from my report and they took less than a week to conduct an " investigation '' and have concluded that the results of said investigation i should not have access to. as stated previously I was XXXX XXXX  when the account was open and more specifically to the XXXX XXXX XXXX XXXX. I'm trying to purchase a home and the fact that XXXX has an account open in my name and the credit bureau are reporting it as a negative mark but neither one can tell me anything about the account even though I own it. The account currently owes XXXX XXXX and is being reported as closed but as stated earlier is still be marked with a negative connotation. On XX/XX/XXXX is spoke with XXXX from Equifax customer service XXXX XXXX XXXX XXXX  who said the investigation was concluded and that I never sent any paperwork in which I had and the documents i sent are attached in this complaint.
Consumer complaint received 2023-02-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with PORTFOLIO. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so.

FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now.

Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate.

I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2
Consumer complaint received 2022-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i origanlly filed complaint with transubion in XXXX and you guys den. t me letter stating i need to get it notarizes and mail it back in and i spent over XXXX bucks mailing it and still nothing is done ive did police reports and ftc complaints and everything else just wanting to get hard inquirys deleted which should be simple to do both XXXX  and XXXX took care of it right away just transunion im having trouble with
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-03
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. (FL)

You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am writing to formally request your assistance in resolving a dispute I have with XXXX XXXX XXXX regarding the inaccurate reporting of a charge-off account on my credit report. I believe that the reporting of this charge-off is in violation of the Truth in Lending Act ( 15 U.S.C. 1601 ) and should be corrected immediately.

As per 15 U.S.C. 1601, creditors are required to provide accurate and fair disclosure of the terms of consumer credit transactions. The reporting of a charge-off on my credit report has not only adversely affected my credit score but also reflects inaccurate and misleading information about my credit history. I believe that the reporting of this charge-off is not in compliance with the fair and accurate reporting standards mandated by the Truth in Lending Act. 

I have made several attempts to resolve this matter directly with XXXX XXXX XXXX, but I have not received a satisfactory resolution. Therefore, I am requesting the CFPBs intervention to ensure that the inaccurate charge-off is removed from my credit report and that my rights under the Truth in Lending Act are upheld. 

Please find attached copies of relevant documents, including my correspondence with XXXX XXXX XXXX, credit reports showing the charge-off, and any other supporting evidence. I kindly request that the CFPB review this matter and take the necessary steps to have this incorrect information removed from my credit report. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I called in XXXX to report inaccuracy with the following : XXXX XXXX Inquiry in XX/XX/2022, which i did not apply for. 

XXXX XXXX XXXX Inquiry, on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-02
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. (TX)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, date of last payment is inaccurate, past due amount is inaccurate, account type inaccurate. This ground for removal they also violated my rights under 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 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (NY)

Issue with Sunrise Credit Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX. I am filing this complaint to address derogatory account that has been reported on my XXXX credit report by Sunrise Credit Service. The account, reported on XX/XX/year>, shows an account balance of {$810.00} and has negatively impacted my credit report. I want to clarify that I do not recognize the acct in question and do not owe the amount stated. Someone fraudulently opened an account in my name has caused me significant stress and has adversely affected my credit score. In the past, I recall speaking to a representative at Sunrise Credit Service regarding the fraudulent account that I had never opened. I forwarded my personal documentation, proof of residence upon Sunrise request and I thought that was the end of this situation. However, according to XXXX XXXX XXXX derogatory remark was placed on my credit report. I contact Sunrise and forwarded a letter and XXXX XXXX reply stating contact XXXX. I did and spoke to representative name XXXX. Upon answering her questions I am not the person who open the account. She indicate to speak with Sunrise about the credit reporting. This is unfair, stressful, and interfering with my credit report and reported derogatory mark. According to XXXX XXXX XXXX it clearly states Sunrise Credit Services , Inc reported the derogatory. They need to be held fully accountable and no one at their office is accepting the responsibility as to who contact XXXX.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC. (TX)

I represent the estate of XXXX XXXX. XXXX was a customer of Santander with at least XXXX business accounts. 

On XX/XX/XXXX, I called Santander XXXX separate times to Santander, and was eventually given a number to the " Court Orders Processing Team at XXXX. 

On XXXX, I called this number and was told that I needed to contact the XXXX XXXX by email. I was informed they only accept email and are not a division that can be called. I asked for an address to mail my information to, and was told they recently moved and an address was not available. 

On XX/XX/XXXX I emailed XXXX but have received no response from them at all. 

On XX/XX/XXXX, I emailed a second time, asking simply for an acknowledgement of receipt ... still nothing. 

On XX/XX/XXXX, I emailed XXXX XXXX, a Santander Banker whose card was in XXXX 's belongings. No answer. 

Today is XX/XX/XXXX and we mailed necessary documentation over 30 days ago. I sent the package and paid for a return receipt. I have confirmation the company received the documentation necessary. 

XXXX XXXX has XXXX business XXXX accounts ... XXXX for XXXX  XXXX XXXX ending in XXXX and another for XXXX XXXX XXXX ending in XXXX. 

I require information about the balances in these accounts and access to the financial records/statements for each. 

If there is a balance in either account, I need a check made out to XXXX of XXXX XXXX and sent to my address. 

Santander is required to comply with these requests. How sad that grieving families have to endure this.