davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION (TX)

In XXXX, I obtained a mortgage security for XXXX XXXX XXXX, XXXX, Georgia, using my VA eligibility certificate. Unfortunately, around XXXX, I was wrongly foreclosed upon, and my case was included in a federal class-action lawsuit against SunTrust, where they were found guilty of mortgage fraud. Due to the class-action nature, I only received {$320.00} as compensation. Consequently, I became a homeless XXXX veteran, suffering from XXXX and XXXX issues as a result of the ordeal. I was informed that my entitlement would be restored, but I received no notices from SunTrust or the Veterans Affairs Regional Loan Processing Office. 

In XX/XX/XXXX, when attempting to retrieve my certificate for a transaction, I discovered that it was never restored. This not only left me liable to the VA for a repayment of {$36000.00} but also prevented me from using my entitlement to purchase a home. I contacted the VA over the phone and reported the issue to the representative in the regional loan office, but no action has been taken to investigate. I then sent certified mail to the Veterans Affairs Loan Processing Center requesting an investigation. Although the agent in their office signed for the mail on XX/XX/XXXX, I have yet to receive a response. 

The loan number is XXXX, and XXXX XXXX XXXX the Loan Specialist notified, has not responded to my request for an investigation into why I wasn't notified to correct this issue back in XXXX or whether SunTrust is still involved in securities fraud. They sold and traded that mortgage, probably continuing such activities, while taking away my entitlement, constituting securities fraud. I only received {$320.00} from the traumatic event, assuming that my entitlement was restored. I am seeking justice and an investigation into this matter. The contact information provided is no longer valid : ( XXXX ) XXXX. 
XXXX Claims Administrator National SunTrust Settlement Administrator XXXX XXXX It is unclear who to seek damages from for securities fraud
Consumer complaint received 2017-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (FL)

On XXXX XXXX, 2017, I sent a payment in the amount of {$70.00} to the Cash App ID $ XXXX, only to find out that it was the incorrect ID. I reached out to XXXX XXXX to reverse the transaction, and I was advised to dispute it through my bank. I then sent the {$70.00} to the correct XXXX XXXX under the correct Cash App ID. When I spoke to Simple support on the phone on XXXX, the representative was understanding and helping, as if he 'd encountered the situation before and he assured me that I would hear from the disputes team some time this week. I sent documentation of the transactions, conversations that I had with XXXX XXXX via email, and a screenshot of both the correct and incorrect payments. 2 weeks later, I received a message that they can not /will not help resolve the dispute and that I needed to reach out to the merchant. Again, I contacted XXXX XXXX and they once again stated that they will work with Simple to resolve the issue. I reached back out to simple and today, the only message I received from the disputes team is that they have closed my dispute because they ca n't find " an appropriate resolution ''. The disputes team did not contact me for more information, or clarification on the matter, they just closed out my dispute with no help. I 've sent multiple requests to the Cash ID that was paid in error for my money to be returned, but have had no such luck. I contacted the BBB, signed a release form, and Simple would n't even work with them to help me resolve this issue. I am currently {$70.00} in the hole due to a mistake, I have provided everything I can to Simple to prove that this was done in error, and I have not received assistance from my bank in resolving the matter.
Consumer complaint received 2017-10-22
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. (MN)

I am a victim of the recent XXXX data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX aXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, Furthermore, I have not been XXXX days late with my car payment to XXXX XXXX XXXX.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

Per my previous complaint to you about a financial company I was fraudulently enrolled in, my bank gave me a provisional credit for money I lost to the scammer. Yesterday they took it back without notice claiming they found in favor of the scammer. They claimed they sent me an email on the XX/XX/XXXX about this. They did not. 

I reopened my complaint with them but they have in the past been lax in their responses to my complaints. More information about the offender, XXXX can be found in a complaint you forwarded to the FTC, who did noting on it.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I received information from another credit monitoring system, my personal information was shared on the dark we. Then i noticed inquires that I'm not familiar with, so please remove them. 

XXXX XXXX XXXX XXXX XXXX New Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX # XXXX
Consumer complaint received 2017-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Reporting inaccurate and unverified information from XXXX XXXX XXXX, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX University. It has been over 6 months dealing with XXXX and XXXX. XXXX deleted this account because it could not be verified. XXXX and XXXX took off this account off my credit report and illegally put it back on!!! 
Capital One has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il XXXX XXXX XXXX and XXXX XXXX has not verified in writing. XXXX XXXX which is reporting capital one which is including in my ftc identity report file case number XXXX.
Consumer complaint received 2017-12-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (IN)

When I purchased my home I was told that I would need to pay flood insurance. I was told that typically conventional loans are less likely given for homes in flood zones unless they have a large down payment. I was also told that I would have no problem getting the home loan because it was backed by the VA. The structural integrity of the property is poor. I 've found that this property was just filled in wetland. Now that the seawall/bulk head has quickly gave way I have learned the repair/reconstruction cost of what is now known as the properties foundation will be more than {$30000.00}. It would not be covered in any homeowners policy. The home was remodeled directly before the purchase. You can see that the home is settling quickly deeper into the earth. I learned last year when a home across the road which is also in a flood zone that it was too purchased by a veteran. The previous owner was leaving because he said it was just floating. I paid {$290000.00} for a small lake cottage in Indiana and will need to put no less than {$50000.00} more into the property which was not disclosed to me. I was told there was nothing to worry about when I questioned a slight break in the bulkhead which has now fallen into the lake with a second 50 foot section breaking way quickly. I question whether veterans are targeted to purchase flood zone properties because the backed VA is most accessible for these locations.
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (FL)

Subject : Second Dispute Identity Theft Request for Removal of Fraudulent Accounts Dear Sir or Madam : I am writing to you regarding a prior dispute I submitted as a victim of identity theft, in which I requested the removal of fraudulent accounts that are negatively affecting my credit report. Despite following the proper procedures, the following accounts remain on my credit report : XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts were not opened by me, and I have no knowledge of them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the immediate removal of any information related to fraud or identity theft from my credit file. Additionally, the law requires credit reporting agencies to respond adequately and diligently to disputes. This is the second dispute I am filing on this matter without receiving a proper resolution. 
I have also attached a copy of the identity theft report that I filed with the relevant authorities, in accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). This law penalizes the creation and use of false or fraudulent identifications, which is pertinent to this case, as my information was used without my authorization. 

Furthermore, I refer you to the case of " XXXX XXXX XXXX XXXX '', XXXX XXXX. ( XXXX  ), where the court held that credit reporting agencies are responsible for conducting thorough investigations when receiving disputes related to errors in credit reports. The failure to adequately investigate my case may constitute a violation of the FCRA, exposing the agency to additional liability.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

request that the following accounts that appear on my credit report be deleted since they are damaging my credit score. 

Account Name XXXX XXXXXXXX Date Opened XX/XX/year> Balance {$190.00} Account Name XXXX XXXX Date Opened XX/XX/year> Balance {$320.00} Account Name XXXX Date Opened XX/XX/year> Balance {$2700.00}
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MA)

With this credit card account, I had autopay set up. On XX/XX/XXXX, fraud on the bank account that was used for autopay occurred, and as such, the account was frozen. I immediately shut off auto-pay. 

On XX/XX/XXXX, once I had a new account opened, I added a new bank account to my Elan account, and paid my statement with that account. I made sure XXXX different times that the payment was to be sent with my new checking account. I also verified the correct routing/account number. This payment was supposed to process on XX/XX/XXXX. This payment was returned. I paid off all of my other credit cards that day, and only this account had an issue with payment. 

On XX/XX/XXXX, the auto-pay payment processed, despite me turning it off ASAP after my checking account was compromised. 

I got charged a {$25.00} Returned Payment Fee despite turning off auto-pay ASAP and ensuring that the one-time payment made on XX/XX/XXXX was made with the correct/new checking account with the correct routing and account number.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Good Afternoon, I am reaching out to the CFPB due to not being able to get inaccurate information off my credit reports. I have reached out to 2 of the 3 Credit bureaus XXXX and Transunsion to resolve this matter. Not only is this information incorrect on my reports but it is causing me a hard time trying to obtain credit. I am in the process of becoming a Homeowner in XX/XX/XXXX and this negative impact is causing delays. I understand that the credit bureaus may be busy during the XXXX, but as a consumer under law they must report correct accurate information. Listed below are the credit inquires from both credit bureaus XXXX and Transunion that I did not authorize. 

This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ). 
I don't recall applying for credit with you. 
Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXX DOLLARS ), payable to the name listed above. 
Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA XXXX 
Your timing is crucial so I would greatly appreciate a response from you within thirty ( 30 ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit. 

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 


XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX +  All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2017-12-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

My mortgage was in payment arrangements through XXXX XXXX XXXX. Carrington mortgage assumed the loan in XX/XX/XXXX and when I contacted them to set up payments they told me my bill was {$26000.00} and I would have to pay that amount in full to then set up payments. I submitted a request for mortgage assistance in XX/XX/XXXX. I received a letter on on XX/XX/XXXX dated XX/XX/XXXX that addition documents were need. I submitted those on XX/XX/XXXX withe a deadline of XX/XX/XXXX. I was on the phone when the documents were sent to verify the arrival of the documents. I call back on XX/XX/XXXX not having heard back from the company and was informed the the case was closed and denied due to paperwork not being received on time. I have the emails and confirmation that everything was received. I was informed today that I need to submit and entire new packet. So I did and was told to call back to verify that it was received, I did but was informed that they will not process the packet at this time but within the next 3 days.
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (KS)

A transaction was made on my account by " XXXX XXXX XXXX '' resulting in an overdraft. I contacted American Express and was told that this is an internal issue due to an update and they expect to have it resolved within 72 hours. I asked why a credit could not be issued, as they were aware of the problem, and the only answer I could get is that they were " truly sorry ''. It was mentioned during the call that many card holders were affected. I believe this issue should be looked into by the CFPB.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2021-09-15
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DATE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX XXXX card has put charges on my card several times without me having purchased anything. Every time I call they say its a computer error. I just started catching it but I dont even know how much money they have take from me due to computer error. Every time this happens its also a lengthy process to bring my account balance current.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OK)

On or around XXXX I changed my direct deposit from Chase to XXXX due to fees. XXXX told me they never received my XXXX  benefits, which they did. So I changed my direct deposit back to JP Morgan chase. I got my next month benefits fine I received a check from XXXX from my direct deposit of XXXX. I mobile deposited it with Chase and it cleared. When I got to the store my account was closed and so I called. Chase. They said the numbers to the check don't add up. The check I received from XXXX was not being honored. I took the check to XXXX opened a new account. XXXX days later I received a notice that XXXX closed my account and to stamped check refere to maker. I finally was able to open an investigation from XXXX to Chase due the check being cashed by Chase. XXXX back said 4 to 5 days and that was the XX/XX/XXXX My house caught fire on the XXXX and it's a total loss. Any help would b greatly appreciated. Warm Regards Happy holidays XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (WV)

I have a past due balance with the XXXX XXXX XXXX  which is now in collection. I was never given the opportunity to set up a payment arrangement. They set up a payment for me that was very high. I couldnt afford it. They have since taken my tax return, which isnt reflected in my balance. They never acknowledged that they took it. They are now threatening to garnish my wages. I sent a previous complaint against them and they sent me a letter stating I could file a hardship with them and possibly get a payment arrangement. They said they need my last few months of banking statements as well as mortgage payment information. I dont believe a collection agency should ask for that information. I merely want to set up a payment arrangement. I dont think they need to have my bank account info and statements.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.