davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2024-11-13
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (ME)

We have battled with XXXX, for 4 years now. They advised us they had purchased our mortgage in 2012, from another company. Our Loan Modification was already done, with the prior company, we were waiting for the paperwork to sign. 
Now, they can find nothing for paperwork, except theirs. We have been to Court 12 times, each time, Each time, I had all my paperwork in order, they did not. 
At the 11th Hearing, they lawyer for XXXX/Wells Fargo, apologized to the Judge, advising him, she had just received a call, from XXXX. The Modification was going through, everything was in order, including the financials, but it was to late to cancel the hearing. The Judge specifically asked her, if this was settled, the Lawyer responded " Yes Your Honor '' .... The Judge then scheduled a hearing to dismiss in 60 days, after the Modification was signed and in effect, everyone agreed. 
60 days later, all the paperwork was gone, missing information etc, back to Court. 
I had to re-admit everything again. Most of it got there, but I had a XXXX and surgey, at the next hearing, they moved forward with the foreclosure ... .. 
I have done everything required, attended every Hearing, was always ready, with extra copies, of each item they claimed to be missing ... 
Even the Judje said to them, they are deliberately, causing all these delays, which was evident, through their Lawyers Statements, Questioning XXXX XXXX XXXX, who could not answer any of his questions, with a actual fact based answer. His every answer was " I 'M not sure about that your Honor '' after the 3rd same answer, the Judge, denied their request and told them to redo everything immediately. 

I can not keep battling the blatant abuse and blatant lies, from their XXXX Lawyers, which they were caught in every time ... 
We also have requested copies of the Original Loan Documents, to date, they have been unable to locate the document 's.
Consumer complaint received 2020-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I have been depositing money into square cash inc for a few months now and have not had any problems until XXXX XXXX I had a family try to deposit {$230.00} into my square cash account the payment was declined and my account was locked for suspicious activity which I have not committed any miscellaneous transactions I have exactly {$1100.00}. Locked into my account that I can not access I am extremely terrified that square cash inc. is going keep my funds and not return them I have tried contacting them through email on several occasions XX/XX/XXXX XXXX XXXX XXXX XX/XX/2020 and also XX/XX/2020 and still no help I have children that I care for and I cant manage without money
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

XXXX ( or XXXX XXXX - not sure ) acquired my mortgage from my lender ( earlier servicer was XXXX ) late last year and I have had nothing but trouble since then, including the continued pursuit of foreclosure after I reached agreement on bringing my payments up to date ( I was late on XXXX payments ). The loan has now been brought current. This month, I made the payment due XXXX XXXX on XXXX XXXX, thru my electronic bill pay at my bank. The funds were debited from my account. Although I made the payment last month in exactly the same way, today, I got notice from my bank XXXX XXXX XXXX XXXX advising that the payment had been rejected by Seterus. I have spoken to Seterus, which claims it has no record of having received the payment. For now, Seterus shows that it has not received payment, but the funds have not been put back in my account ( I can not make the payment until I receive the funds back in my account ). If nothing else, I 've just wasted an hour of my time trying to get this cleared up ( XXXX ). See below : " The following payment was returned to XXXX XXXX. We are in the process of crediting this payment back to your XXXX XXXX payment account. Please allow XXXX5 business days for the payment to be credited if funded by a checking account, or XXXX7 business days if funded by a credit card or line of credit. 

Payee Name ( Nickname ) : SETERUS Account Number : XXXX Payment Amount : {$1700.00} XXXX XXXX Payment Account : XXXX Payment Send On Date : XXXX/XXXX/2015 If you did not place a stop-payment request on this item, there are several possible reasons for the credit : * Your payee account name, number, or mailing address may be incorrect. 
* The payment was sent more than 90 days ago, and the payee did not cash the check. ( Checks not cashed within 90 days are automatically credited back to your account. ) * Your account with the payee has been closed. 
* Your account with the payee has a credit balance. 

Before scheduling additional payments to this payee, you may want to verify the payee information or contact your payee directly for the specific reason for this returned payment. 

If you have questions, we are available XXXX days a week. Call XXXX XXXX Online Customer Service at XXXX or sign on XXXX to send a secure email. ''
Consumer complaint received 2024-11-21
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. (CA)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stuart-Lippman and Associates, Inc (CA)

collection agency sent a letter demanding payment for alleged amount I do n't own to auto insurance company. I sent a letter with notice of dispute and requested verification of debt. In response i receive a letter from collection agency that stated " documents can be requested from debtor by contacting the customer service center ''. This does not comply with requirement of debt verification under state and federal law.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2015-09-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I am a loyal CitiGold customer of 15years. The service level at this branch is beyond low. I have been waiting for an hour to send out a wire. There are still XXXX people ahead of me. This will take another hour at the rate they are processing things here. They are slow and understaffed. The CitiGold customers do not get any expedited service. Whenever I am here, it takes a long time to get anything done. Today is not an exception, but XXXX hours of wait time are beyond my level of patience!! I am terribly disappointed and will be looking for alternative banking institutions to transfer my assets.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i have disputed this item XXXX item XXXX reporting on my transunion credit report, they sent me a response saying the item was verified, i escalated a complaint with XXXX to the collection agency resurgent capital services who is servicing the account with XXXX, after the request the company has agreed to remove the item from credit report, i have attached the copy of the letter received via XXXX, i want transunion to delete this negative information from my credit file immediately to enable me pursue my financial goals
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

In XXXX 2007 I submitted a Fraud Affidavit as I my credit card had been either lost or stolen. Subsequently charges appeared on my account which I was n't made aware of until I received a letter from a Collection Agency. I contacted the company in writing on several occasions asking for proof that these charges were in fact mine because the credit card had n't been in my possession since that time. They continue to write me letters stating their position has not changed and that I am liable for these charges.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to file a complaint against the three bureaus regarding to the incorrect information on my credit report. These wrong information on my credit report are severely affecting me. I would like to request that these wrong information be removed from my credit report. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them.
Consumer complaint received 2024-09-03
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Data Breach and Violation of Rights Under 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to formally notify you of a recent data breach that has compromised my personal information. Specifically, my name and other sensitive data were included in this breach, which I believe to be a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

According to 15 U.S.C. 1681, I am entitled to the protection and privacy of my credit information. The unauthorized exposure of my personal information due to this breach has caused significant concern and distress, as it puts me at risk for identity theft and other fraudulent activities. 

I respectfully request that the CFPB investigate this matter thoroughly. I would like to understand what measures are being taken to rectify this situation and to prevent similar breaches from occurring in the future. 

Please advise me on the steps I should take to safeguard my credit and personal information moving forward. I would also appreciate any guidance on how to pursue further action against the responsible parties for this breach. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (CA)

TD Bank XXXX ( XXXX ) charged me late fees on the following dates:XX/XX/XXXX $ 25.000XX/XX/XXXX $ 25.00I never received a credit card statement for XX/XX/XXXX nor did I ever receive a statement for XX/XX/XXXX. I have also never signed up for electronic statements. I have been experiencing problems with TD Bank USA ( XXXX ) delivering my credit card statements to me. I was not aware of the minimum payment due since I did not receive my statements nor was I able to access my account online because of issues with my login/password. 
Please credit me for the following : {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$1.00} per month since XX/XX/XXXX for the minimum {$1.00} charge per month I incurred because I refused to pay for the late fees since they were incorrectly charged to my account. 

If TD Bank XXXX ( XXXX ) disagrees with this, please provide proof that you sent out the credit card statement for XX/XX/XXXX and for XX/XX/XXXX and that I actually received them. Such proof includes tracking information with XXXX, XXXX, XXXX, or a certified mail receipt.
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

We have made several attempts in requesting a modification ( HAMP ) with BOA, but to no avail. I feel that I am being discriminated against as B.O.A. have made provisions for modifications for other loans and have not approved this loan. In XXXX of 2012 my wife suffered a XXXX and it has left her XXXX and we loss her income. Prior to my wife 's XXXX we were never late in XXXX years on this loan. In addition, this hardship has caused us to be at imminent risk and we are facing foreclosure on this loan.
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (LA)

I have a rooms to go credit card with TD Bank. I enrolled in online statements, but the company has not provided online statements. Nor has the company provided written statements, which include the charges, due date, or amount due. The agreement states that they are supposed to issue a bill 5 days before it is due, but, instead, they issue the statement 5 days or more after it is due, when they have already applied a late fee. The late fee is applied without giving notice before the due date of when the amount is due, or how much is owed. I put them on notice of the problem, and complained about it last month. But, they did it again this month. Also, I currently do not have access to the statement allegedly issued on XX/XX/XXXX ( 5 days after the due date ), but rather, when I click on it, it gives me an error message. I believe this is a scam to make money off of late fees, since this is a zero interest for 18 months credit card. Further, they are doing this with malicious intent and full knowledge because they were put on notice of the problem last month and failed to rectify it. I have again demanded a refund of the improperly charged late fee.
Consumer complaint received 2015-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (VA)

Me and my wife have a mortgage with XXXX, this organization choses Seterus Inc. to collect the monthly mortgage on its behalf. After I have lost my job for about a year, I was going to lose my house. Thank XXXX I found a new job back to XXXX last year and I started making payment to Seterus until I saved my home from foreclosure. Seterus had me and my wife signed a new agreement by taking us from 2 % interest to 4.5 % rate. We have accepted. However, We got surprised that from {$2300.00} per month, only {$230.00} was applied to the principal and it is been going this way from XX/XX/XXXX until now. The principal was {$380000.00} jumped to {$390000.00}, and after 9 months of payment on time, the principal is {$380000.00}??? 
We are working hard me and my wife trying to save our home, but the way Seterus is acting toward our situation is not helpful and needs to be adjusted. Since XX/XX/XXXX we have paid toward {$410000.00} the amount of {$250000.00} and we still showing {$380000.00} as the principal of the loan??? 
Please we need help, what should we do? Thank you. 
XXXX & XXXX XXXX
Consumer complaint received 2016-03-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

USAA restricted my ability to access their banking website after i filed bankruptcy. 
Is this legal? I ca n't make deposits or set up electronic bill payment or transfer funds from trading accounts to bank accounts. I want to be able to access and manage my accounts through their main website.
Consumer complaint received 2015-04-30
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Santander Consumer USA Holdings Inc. (MN)

I disputed the debt ( auto loan ) and sent a debt validation letter XXXX different times to Chrysler Capital, they did not respond to either request with any proof, instead they closed the account and / or wrote the debt off XX/XX/XXXX. XX/XX/XXXX I woke up to find my automobile missing from my families drive way. I called the police to report it missing and they informed me that it had been repossessed. I told the officer i spoke with that it should n't have been repo 'd and wanted to report it as stolen. He then said that he would contact the company and find out what was going on and call me back. He called me back with a number for a company called XXXX XXXX XXXX out of XXXX. I called this place and they said I had to pay them money before they would release my automobile to me, I then stated that they were n't the original creditor, and that the original creditor closed the account and the debt was written off in XX/XX/XXXX, and they stole my automobile. I then asked them to provide me with a contract or documents stating that I owed them money, the guy said they did n't have to provide me with any contract or documentation and that I would have to call the original creditor. So I called Chrysler Capital and was XXXX told they could n't find the account, I then requested a manager who stated that I still owed the debt even if it was written off and the account was closed that 's why my automobile was taken. I then informed them that I would be contacting other people about this because nobody had any right to take my automobile. At this point I had no knowledge who took it or where it was taken. XX/XX/XXXX am. I called the non-emergency sheriff 's number and asked how I go about making an official theft complaint, the dispatcher took my number and said she would have an officer call me. I got the call and it came from the same officer I had spoken to the day before. He said that he could not make a theft report because it was n't stolen that the bank wanted their car back so it was repossessed. I told him it was taken by a XXXX party debt collector illegally, and asked him if he knew who took it and where they took it. He stated that he did n't know. I requested the Police Report and picked it up later in the day, and found out that a company named XXXX XXXX out of XXXX actually took my automobile at the direction of XXXX XXXX XXXX who stated that Chrysler Financial gave the repo order. even though the debt was written off and the account was closed. XXXX XXXX XXXX refused to release my automobile until I pay them money. I do not have any contract with XXXX XXXX XXXX or XXXX XXXX and I do not owe either of them any money.