davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX5 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Discover Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Discover Bank, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and Discover Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover Bank never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

On XX/XX/2023 I went to the XXXX XXXX  to load {$300.00} on my chime Bank account. On the morning of XX/XX/2023 chime closed my bank account due to suspicious activity and certain loads after going back in speaking with the store the employee put {$380.00} into the system to be loaded onto my card but I only received the XXXX I intended to load on XX/XX/2023 the employee that did the transaction informed his manager that he added an extra money onto the transaction which he thought he did but it really didnt happen but in following, the manager called the company that controls the loads and deposits and informed them that I was given extra money which I was not. I have sent emails to chime showing them that I only received the {$300.00} along with the receipt from the store. They have informed me that they will not be returning my remaining phones due to me not following the deposit agreement. Which is False due to the fact that the employee and merchant entered the wrong numbers into the transaction the manager called the company and informed them that I received extra money which I didnt when I sent chime the proof and a receipt of me loading my card with the {$300.00} at the store, they still deny me, saying, Im not eligible for my refund of my remaining funds this whole situation has occurred because the employee the store and the manager had a huge miscommunication between the between themselves and the company that they called I have provided Chime with the email address and phone number of the general manager so he would be able to explain to them that it was a mistake on the store, and the employee not me, but time has decided not to reach out to them, or even make an effort to actually look into this problem they only decide to keep my money
Consumer complaint received 2023-10-09
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

A letter acknowledging and submitting my rights to a fair and equitable credit report was not only received by this company, it was also IGNORED. While XXXX XXXX, who is backed by XXXX XXXX XXXX continues to ignore these documents they also continue to harass me by hindering my credit file, XXXX XXXX continues to report my non-public personal information to the credit reporting agencies despite having my consent. As defined by 15 USC 6809 ( 4 ) ( A ), this is a CLEAR violation of the law. The proof of this file sent to the company will be enclosed with my complaint.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

A letter acknowledging and submitting my rights to a fair and equitable credit report was not only received by this company, it was also IGNORED. While XXXX XXXX, who is backed by XXXX XXXX XXXX continues to ignore these documents they also continue to harass me by hindering my credit file, XXXX XXXX continues to report my non-public personal information to the credit reporting agencies despite having my consent. As defined by 15 USC 6809 ( 4 ) ( A ), this is a CLEAR violation of the law. The proof of this file sent to the company will be enclosed with my complaint.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LTD Financial Services, L.P. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-09
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. (NY)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I received an alert via my credit card on XX/XX/XXXX that my credit score had changed due to an account being placed in collections. When viewing this alert it was from a company called Genesis that I have never heard of or had any contact with. The {$130.00} charge was seeming from an apartment complex ( XXXX XXXX in XXXX, TX ) I lived in from XX/XX/XXXX - XX/XX/XXXX. All payments made while a resident here were made directly to the complex - Not through a third party and certainly not three years after lease termination. I immediately submitted disputes to all three credit bureaus and called the complex. The complex informed me that they had no record of us owing any additional fees and advised me to reach out to Genesis directly. I informed the team at Genesis that I had never received written documentation that this debt existed or notification that it would be sent to collections. While on the phone with the team there, I asked them to verify the contact information they had on file. The operator provided me with an invalid ( fake ) email address and the address where my parents currently live. Not only did this confirm that they did not attempt to collect a debt from me, but confirmed that this is likely a false debt as they did not have my legal name, an email address, or a valid address on file. The team member I spoke to informed me that they had indeed attempted to reach out so I asked for that documentation to be emailed to me, along with confirmation that he was starting the dispute process per my request. I provided him with my valid email address to send the above requested documents to me. As of today, XX/XX/XXXX, I still have not received any communication verifying that contact attempts were made or what next steps are in the dispute process.
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

XX/XX/2023 my home was appraised for XXXX with recent upgrades to my home. However, at that time the comps for the same home with no upgrades are coming back at XXXX or more and the reason for my appraisal was because I recently made upgrades to my home and I believe my home after reviewing the comps in my neighborhood and with my recent upgrades that I was appraised unfairly and I feel as though I was discriminated upon. 

Below I have attached what my home is currently be estimated as on XXXX and XXXX and shared my neighbors home that is exactly the same with no upgrades.
Consumer complaint received 2024-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Data Mortgage Inc. (CA)

Dear CFPB, I'm writing this letter to ask for your help since ESSEX Mortgage keeps playing games with me and now they are discriminating against me and my family. 

About 3 months ago I was told by ESSEX Mortgage that i was approved for a loan modification and an agreement will be mailed to my house the following week. 

Now ESSEX Mortgage refuses to email or mail copy of the agreement since it was never received and ESSEX Mortgage keeps telling me that because of my background ( i dont know what ESSEX Mortgage mean ) the owner of the loan feels i dont deserve the loan modification agreement that i was told. 

Please help since ESSEX Mortgage keeps hanging up on me every time i call and they keep refusing to transfer me to a manager or supervisor. please help since im doing everything to save my home.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC (VA)

There are four incorrect fraudulent and unathorized hard inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit plus XXXX XXXX XXXX ( number does not even work ) I have not applied for any line of credit from these companies. i already have an account with XXXX  so there would not have been a need for me to apply for more, plus my credit score was low in XXXX so i would not have applied. XXXX said that they do not have an application for me so no record of any inquiry but it is on my report. XXXX  " XXXX '' - name of representative said he emailed his supervisor to have it removed and it has not been removed. Credit plus i did not apply for any credit from them. I would like for these companies to remove this incorrect information from my credit report.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I made a payment to the US Department of Education on XXXX, XXXX XXXX  in the amount of {$5000.00}. I continually checked my loan account and even after a month had passed the payment was never applied to my loan. I have contacted my bank to have them issue stop payment however the payment had already been cashed and they were unable to get the payment returned. After multiple attempts at contacting the US Department of Education and the loan servicer MOHELA they informed me that the payment was never received and to contact one another to figure out where the payment went. Each told me the payment was sent to the wrong address. If this was truly the case then how was the payment cashed and taken out of my bank account? The US Department of Education has stolen my loan payment and refuses to issue a refund or appropriate the payment to my loan balance.
Consumer complaint received 2023-10-09
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 Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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 

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. States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OR)

I deposit a check in the amount of XXXX and they took it at first saying there was a Lein. I knew this was fraud for I have no children. Or child support. Or contracts with California state. Then they changed the actual deposited amount to XXXX to hide the fact they stole it.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sessoms & Rogers, P.A. (NC)

sessoms and rogers PA in XXXX north carolina sent me a default judgement letter. I looked at it and I tried to call them about this letter but they will not answer my phone calls. ive been making payments to them for the charged off XXXX XXXX  XXXX credit card. i made them stop taking money because they illegally took the money out of my checking account, forcing me to change my account information with my bank. also, they wanted me to sign a confession of judgement. i was going to sign it but i fell ill. i am suffering from major health issues from the XXXX XXXX. so i get hindered a lot from going places and doing things. i guess they took this as a sign that i didnt want to sign it. so they put a default judgement out against me. i called them multiple times, at least 3 days in a row this week but they wont answer me.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/year> I deposited a check made to my finance but payable to me. We included both signatures as well. The bank now deposited it and then reversed it and mailed the check which I may never receive due to my mail situation. I should have been contacted as in their own words is was almost {$27000.00}. Now they wont just cancel the check and put it into my fiancs new account. They were the ones who said I would be fine doing this and then transferring to his new account since he is XXXX. He has waited for a year for this to be the only source of funds from his social security XXXX. Now we are getting the run around and keep saying wait for a check that they decided to mail and it may never come. This is causing extreme XXXX XXXX and inability to pay bills. Please help us. We have called over 10 times to get pushed around and told to fix my mail which I have done numerous times to no avail. The post office is completely aware.
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TRUIST FINANCIAL CORPORATION (OH)

I am new customer to Truist bank, since i opened this account, it has been truly a nightmare. I was approved for two different card that were sent out to my current address that was also listed on the application when i received the card i was unable to use them due to the cards being linked to an old address from over 10years ago, so i went through a fraud questionnaire with multiple agents then the cards were unlocked i asked to have all other addresses removed other thank the current one where the card were sent to and i was told they were removed as i went to make a purchase a month later the card were so how locked again and all information was back to my old address, once that was fixed ... ..3months later i went to redeem my rewards on XX/XX/XXXX through the app requested to have a check sent out email provided me with a processing # and said tht check going to be sent within 10 day but allow up to 3 additional weeks, so i waited a month never received anything so i decided to call and i was told they never even processed the check and they will be opening a ticket to have one sent out to me and to allow another 5-7 day before a receive it so a week went by still no check called again spoke to 2 other reps on two different day and was told the ticket was still in processing so i ask to speak to a supervisor they told me the same thing so i waited another week to called and this i spoke to a supervisor and i was told they sent a check out on XX/XX/XXXX after i redeemed the chk and they couldn't send another out until they get info on the first check and she told me she would f/w once she have an update that never ... .. SOOO i reached out to to them today to get an update myself and i was told they couldn't help me because I closed my account which i never did and they couldn't tell how the account was closed. So, i am not quite sure if i will ever see my rewards or received information on who actually closed out my account without my permission this is illegal, and this company need looked into IMMEDIATELY!! I am also requesting that the company pay me for my time spent as well as the pain and suffering they have cause me