davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-25
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: NAFCO Finance (ID)

I have paid on my XXXX XXXX consistently. For some reason NAFCO finance will take XXXX points out of no where. They give XXXX them take it away for no reason. It will say XXXX points and it will say great job by making your payments on time. It shows an up and down score due to NAFCO for no reason. Please help. I'm trying my hardest to understand why they give points and then take away.
Consumer complaint received 2024-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (AR)

I paid sunrise credit services {$260.00} on XX/XX/year> and another {$260.00} on XX/XX/year>. The company made a settlement that if I paid this amount twice my debt would be resolved in 24-48 hours.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX
Consumer complaint received 2024-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Company or Organization : SUNRISE CREDIT SERVICES XXXX Date fraud began XXXX XXXX Date that I discovered it:XXXX Total fraudulent amount : {$180.00} Pursuant to 18 usc 8 , I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Consumer complaint received 2024-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (FL)

Dated XX/XX/year> XXXX XXXX My credit is dropping because I have a charge of XXXXXXXX XXXX dollars on my credit report from a lender that I didnt receive or remember dealing with that company at all
Consumer complaint received 2024-11-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Dear. 
I, the consumer and natural person, was denied credit by when I applied for a citiBank ( HOME-DEPOT STORE Credit card for XXXX ) credit card and Loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by due to the response I received.

is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of If fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 If fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810.

I will also follow up with an invoice for said violations ( ( {$10000.00} ) per violation ). 
Thank you, XXXX : XXXX XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2023, I received XXXX certified letters from Huntington National Bank stating that they were closing my XXXX bank accounts on such and such date. I called Huntington Bank in an attempt to discover why they would be closing my accounts seeing Ive only had them opened for a short period of time but they refused to answer the question outside of telling me that I was a risk. They would not elaborate upon what type of risk I was/am. This has led me to believe that they were falsely promoting/advertising the {$400.00} offered to new customers within 90 days of opening a Perks Checking Account with them and decided to close my accounts so they wouldnt have to pay as promised and advertised as a promotion. Additionally, I went to Huntington National Bank by me and spoke with the XXXX and he couldnt discover any reason why my accounts should be closed. My transactions are legit and traceable.
Consumer complaint received 2023-10-09
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. (NY)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian and XXXX credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (CA)

My father banks with California Bank & Trust ( CB & T ) and is currently undergoing late-stage XXXX XXXX  abroad; prior to his departure, he executed a Power of Attorney ( POA ) with CB & T adding me as his designated agent. Through the POA, I was able to make withdrawals in XXXX and XXXX. However, when CB & T learned Dad wants to move over {$100000.00} to a different bank due to better interest rate, CB & T XXXX XXXX office blocked the transaction, questioned whether Dad is still alive, and referred me to the XXXX XXXX XXXX XXXX, even though there is no banking relationship there. In late XXXX, XXXX XXXX XXXX, VP at the XXXX XXXX XXXX XXXX, claimed they do not have the original POA in the branch, despite the notation in their system stating I am the agent. After delivering in-person the requested trust document ( which they have a portion of ) and explaining the circumstances to XXXX XXXX, she reluctantly issued a counter check for the withdrawal, provided there is a notarized affidavit. Since she questioned me on possible financial abuse and forgery, I did not take the counter check ; instead I provided Dad 's address abroad so she can send it directly. Weeks later, nothing was received ; when asked, XXXX XXXX claimed she sent it via US mail and not to worry as the checking account is now frozen and she will send another check later in the week when she has some free time.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am the author of this complaint. I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted because of these errors.
Consumer complaint received 2024-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

My mortgage recently got switched to another bank. On the original one I was always on automatic payments and had no issues. With this new bank I made my first payment with no issues. I understood I had set my account up for automatic payments. 
I didn't realise until I got an alert from my credit report that my credit had got dinged and was brought down quiet a bit from a missed mortgage payment. 
I logged into the bank right away and payed the missed payment and payed ahead to the next. Had I not known I was not on auto payments I would have put a reminder in my calender to make sure it was payed. I have never missed any payment nor do I plan to ever again. 
Please help me get this off my credit report. I have worked really hard to get it up to wear it was. If I need to pay ahead to prove I am responsible and dependable I will. Please take this in consideration.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Report act. XXXX Acct : # XXXX and XXXX  XXXX XXXX Acct : # XXXX  and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Acct : XXXX and XXXX XXXX ( Original Creditor : XXXX  ) Acct : # XXXX and Personal Information XXXX XXXX XXXX XXXX XXXX AZ XXXX and XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. ( 15 U.S.C 1681 section 602 A. States i have the right to privacy. ) 15U.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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block/delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal accounts and an inquiry which are listed below 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  These accounts have resulted in several fraudulent accounts and inquiry appearing on my consumer credit report. I've attached a list of of accounts in question a well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or inquiry, as reported. The aforementioned accounts and inquiry, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2023-09-03
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. (AL)

Hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RESIDENT VERIFY In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : 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.

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 crime 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 information is inaccurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

On XX/XX/XXXX, I received from Shellpoint Mortgage Servicing an Annual Escrow Account Disclosure Statement dated XX/XX/XXXX. Page XXXX of the Statement erroneously listed an " Anticipated Payment '' from escrow in XX/XX/XXXX in the amount of {$7100.00} for " XXXX XXXX XXXX ''. This caused my new total monthly payment to increase from {$530.00} to {$1200.00}! My condo unit is only XXXX square feet. My apartment is one of XXXX units in my condo building. 

On XX/XX/XXXX, I advised Shellpoint via their " Contact Us Page '' that the XXXX XXXX XXXX Insurance premium is not paid through my escrow account ; that I pay my monthly XXXX fees to my condo association and the condominium association pays the {$7100.00} premium to the insurance company because this policy covers the ENTIRE BUILDING which consists of XXXX condominium units, including mine. I also faxed a letter with the same explanation to XXXX and mailed the letter to Shellpoint, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. In all of my communications, I requested the monthly payment amount be recalculated once the erroneous {$7100.00} " Anticipated Payment '' was removed. I attached a copy of the XXXX XXXX XXXX XXXX XXXX XXXX to each correspondence. It shows that the insured is my condo association. 

I also spoke with Shellpoint 's insurance department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, XXXX advised she updated the XXXX XXXX XXXX payout to XXXX and that I was to contact Shellpoint Customer Service to request a rerun of the escrow analysis recalculating the monthly payment amount after the erroneous {$7100.00} " Anticipated Payment '' was removed. I did so on XX/XX/XXXX. I have followed up with phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire as to the status of my request and was always told Shellpoint was working on it. 

To keep my account current, to avoid late fees, and to keep Shellpoint from reporting a late payment to credit bureaus, I was forced to pay the incorrect amount of {$1200.00} for XX/XX/XXXX. 

My online account with Shellpoint reflects that the {$7100.00} was removed from the Taxes and Insurance page, but Shellpoint has not yet provided a corrected escrow analysis nor have they reduced the monthly total amount due to the correct amount. It still shows a monthly amount due on XX/XX/XXXX of {$1200.00}. 

Shellpoint has sent me letters - none of which address the issue at hand and all of which are vague, indefinite form letters which include no reference to my specific issue nor what steps Shellpoint is taking to correct their error. My correspondence, Shellpoint 's correspondence, the Escrow Analysis, and the erroneous XXXX XXXX monthly mortgage statement are attached. 

Shellpoint has been advised they made a mistake, but it is not taking any action to correct it. With every month they do nothing, Shellpoint is demanding I pay more money than the Lender is entitled to.