davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

On XX/XX/year> at XXXXXXXX XXXX XXXX XXXXXXXXXXXX I XXXX XXXX, made a large purchase at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 
Phone number : XXXX Store XXXX XXXXXXXX I specifically went in for XXXX {$500.00} gift cards it was for XXXXXXXX XXXX XXXXXXXX. I bought all XXXX gift cards along with other things. well all XXXX cards was defective i called the number on the back of the card and the customer support team stated that they can replace XXXX cards but the other XXXX was not replaceable and she had to create a case. in which she did and told me that i would receive a email update in XXXX days. Well, that was a lie, after multiple calls and emails it just went on and on for months and months. I continued to visit XXXX XXXX  about the situation but still nothing. finally Vanilla gift card tells me they are not replacing my cards I need to go to XXXX and have them to void the transaction. I don't know what to do. I've again returned to XXXX with this voided transaction information that Vanilla gift card has stated and they are clueless and stated that their system will not let them do anything about it. I've called XXXX and a case was created and nothing happened there either. Please help me! How can I retrieve my {$1000.00} XXXX  back?
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

Smith Debnam Narron Drake Saintsing and Myers, LLP sent me a Notice of Summons for a debt with XXXX Card. The summons I received was Overnighted by XXXX XXXX but had information from another XXXX Borrower, giving me all her information including Debt owed. It would seem that that person or someone else received my personal XXXX XXXX information. 

When I called the Law Firm I was told that I have a debt and that I should contact the Federal Agency to file a complaint. I was told that a Summons does not have to go to me, it could go to any relative or responsible party, well my information went to someone not familiar with me. 
The Law Firm said that they received an affidavit that stated I was served which is either Fraud or Negligence.

So my financial information as well as the other party received other peoples information And a Judgement was entered unlawful as Affidavit the law firm received was erroneous, and since it was outsourced they are responsible for all actions, at the same time XXXXwould also be responsible as they are the Creditor and are ultimately responsible for outsourcing their business needs.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (WI)

In XX/XX/year>, I reported fraudulent transactions on my apple card and after reporting the transactions, my apple card was closed without being provided any information. In XXXX, the fraudulent transactions were found by Apple to be sustained and permanent credit was given. However, my account remains closed.

When Goldman Sachs Bank or Apple closed my card, I lost access to even past transactions. I lost access to the portal and I can't even review more transactions.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (DC)

XXXX XXXX XXXX XXXX removed my Homestead Deduction retroactively instead of giving me a Senior Citizen Tax Credit which was XXXX XXXX mistake so they sent my original mortgage co. XXXX XXXX XXXX  ( XXXX XXXX the bill for over $ XXXX -- in the middle of this they sold the mortgage to Nationstar ( aka Mr. Cooper ) I advised both companies not to pay the amount that XXXX was resolving the issue. XXXX did resolve and then XXXX took months to finally ask XXXX for the money back ( as they said I had to do it which is not true ). Finally XXXX got the money back and then took forever to send it back to Nationstar. Nationstar claimed they didn't have over a month after XXXX sent them the money via wire transfer. Even though I had the documentation from XXXX that XXXX  was resolving the issue and not to increase my escrow- Nationstar was still increasing my payment over and above what it should have been and reporting me as late to the credit bureaus. Nationstar first sent me a revised Escrow statement and refund and then refused payment on their check causing my bank balance to now be negative! Now Nationstar has taken my Escrow overpayment and instead of refunding it to me they applied it to the principal without my authorization. Also I have asked 3 times to cancel the escrow because they are playing with the numbers and they claim it takes 16 to 18 days which it has already been weeks since my first request. My loan balance is only 60 % of the home value and I have a right to cancel the escrow, further I never asked for them to take the escrow overpayment and apply it to the principal and they need to correct the late reporting. I have been asking for things to be resolved since XX/XX/ 2024! I have attached numerous documents that prove this. Please help me.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

Between XX/XX/2024 and XX/XX/2024, I made XXXX deposits into my account. These deposits were my payroll checks and pay from my business. 

Chase Bank froze these funds without any explanation. We reached out to Chase Bank to release these funds and allow us to gain access to these funds, and Chase Bank has not assisted us in any endeavor. They subsequently closed the account, but have not yet released these funds to me or back to the business. The funds have been tied up by Chase Bank and they are not providing any resolution to resolve over a month later.
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (SC)

This is concerning reports showing on credit profile showing of late payments on my credit report from First Progress Card account beginning in XXXX when I never received notice of a due date. I am disputing the late payments on my credit card account for the months of XXXX, XXXX, and XXXX of the year 2023. I believe these charges are unfair because I never received a notice of due date within 21 days before the due date, as required by Section 1666b.

I request that you provide proof that you sent me a notice of due date for these months. Please provide a copy of the notice, a record of mailing or delivery, or any other documentation showing that the notice was sent.

If you are unable to provide this proof, I request that you remove the late payments for these months. I have been a responsible customer and have made
my payments on time. I believe it is unfair to penalize me for your company 's failure to provide proper notice.

Please investigate this matter and take corrective action as soon as possible.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 1st Franklin Financial Corporation (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$370.00}, XXXX XXXX {$230.00} XXXX XXXX XXXX {$2400.00}, 1st Franklin Financial {$11000.00} and XXXX XXXX Services {$4000.00}.
Consumer complaint received 2024-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY (AR)

Vehicle was at shop for repair. T D Auto transported the vehicle to a repo location, no late payment. I did not volunteer to turn in the vehicle. There were no notice from the repair shop or T D Auto Finance.

T D offered to return the vehicle but refused to send a letter of release. I paid 6 payments without possession of my vehicle. The vehicle was sold when I insisted that I should not be responsible for transporting it back XXXX miles due yo the finance company 's mistake. 
The payment was current when picked up Current, when sold without notice. 
I was not given the opportunity to payoff.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I received a check as payment for work I was scheduled to perform. Suspecting that the check might be fraudulent, I immediately contacted Regions Bank to report my concerns. I also reached out to the company that supposedly issued the check, and they confirmed that it was indeed fraudulent. Consequently, my checking account was locked by the bank. 

I promptly informed Regions Bank about the situation. They advised me that my case was under review and that my account would likely remain suspended pending an investigation, which they estimated would take 30 days to complete. 

By XX/XX/XXXX, having received no further communication, I visited the XXXX XXXX branch to seek an update. I was told they would investigate and get back to me, but no one did. A week later, I returned for an update and was assured that someone would call me back ; however, I did not receive any follow-up. 

I then contacted the customer service hotline, but they were unable to assist and directed me to visit a branch. Returning to the branch, I was informed that a ticket had been submitted regarding my case, but there was nothing more they could do at that time. 

Seeking resolution, I visited the XXXX, Florida branch where I originally opened my account. I spoke with the branch manager, who promised to look into the matter. A few days later, she contacted me and stated that she was unable to release my funds due to an alleged credit card debt from XXXX. To my understanding, even if such a debt existedwhich I believe it does notit would fall outside Florida 's statute of limitations for debt collection, which is five years.

Currently, my account remains open and continues to accrue interest, yet I have no access to my funds. I have personally requested validation of any alleged debts at the branch but have not received any documentation or evidence. It has now been seven months without access to my money. 

I am becoming increasingly desperate, as no one from Regions Bank has provided assistance or a resolution to this issue.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (GA)

GA Code 11-9-210 ( 2023 ) ( UCC Article 9 9-210 ) As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I have already demanded proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. 

CREDIT ACCEPTANCE HAS IGNORED all opportunities to AUTHENTICATE THE DEBT CLAIM ... .no AUTHENTICATION has been provided here in our correspondences, the CFPB can see no such evidence has been provided by CREDIT ACCEPTANCE Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

A bank or credit agency can be liable for identity theft if it negligently releases personal information that helps enable identity theft. The use of my non public information due to false reporting sharing with non affiliated 3rd parties. 

Failure to respond within 4 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

This Notice is an attempt to correct your records, to authenticate your records and accounting and any information received from you will be collected as evidence should any further action be necessary. 

The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2024-08-02
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. (CA)

I havent gave XXXX XXXX or Experian the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX XXXX and Experian are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-01
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. (AR)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-01
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. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately.
Consumer complaint received 2024-08-01
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. (DE)

Each credit report shall report as paid as agreed though out the payment history or the XXXX will see things my way. Experian and XXXX for reporting inaccurate information. Update the payment history to paid as agreed in the payment history for Experian and XXXX immediately Account name : XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2024-08-01
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. (CA)

Dear Consumer Financial Protection Bureau, I am writing to formally complain about the persistent inaccuracies in my credit report maintained by XXXX and Experian. Despite numerous attempts to correct these errors, the credit reporting agencies have failed to adequately address the issue. 

Specifically, the XXXX account is incorrectly reported on both XXXX and Experian credit reports. The account is erroneously listed as having been foreclosed upon and then subsequently charged off approximately four years later. This information is completely inaccurate and has had a detrimental impact on my credit score. 

I have attempted to dispute this information with both XXXX and Experian multiple times. However, their efforts to rectify the situation have been inadequate. The inaccurate information continues to appear on my credit report, causing significant financial hardship and emotional distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and compel XXXX and Experian to delete the XXXX account in my credit report with XXXX entirely from my credit report. This account is inaccurate, misleading, and has no place on my credit history. 

I have attached copies of my credit reports, dispute correspondence, and other relevant documentation for your review. I am available to provide any additional information or documentation as needed. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if. ( 3 ) INFORMATION regarding inquiries, 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