davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I opened a checking and a savings account on XX/XX/2021 with XXXX XXXX online depositing {XXXX0} in each account. About a week later I received a XXXX XXXX credit card which I did not apply for. I did activate the card but recalled the incident with XXXX XXXX who did the same thing. 
I used the card and make all my payments on time paying more than the minimum every time. On XX/XX/2021, I make a payment of about {$XXXX about XXXX  days letter I received an email stating that my payment was not excepted and my card was being cancelled. When I finally spoke to a rep he said the company felt I was doing something unsaviory so my account was closed. I also ask him why his company would send me a card I did not apply for and take it away and my payment wasn't a day late it actually was XXXX days early. He got defensive and ask was I saying someone stole my identity and I assured him that wasn't the case and that I have every intention to clear my account. 
I know now that this process is illegal due to Federal Case XXXX Also I went to XXXX XXXX and on XXXX XXXX I went to a time share meeting with XXXX resorts. It was normal, high pressure sales presentation which my fiance and I were already antisipating. We knew they would put a hard inquiry on my credit so I signed up alone. Then a week ago I received a denial letter for a XXXX credit card that I NEVER APPLIED FOR.
Consumer complaint received 2024-08-23
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. (OH)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION (LA)

I sold my home and the payoff was received by the mortgage company a day or so late after the closing resulting in a negative credit bureau report to my spouse and this has affect several financial matters regarding our rates etc ... We closed on a new home and sold the home in dispute. Prior to selling we have NEVER been reported to the Credit Bureau for negative payment history. The Company is Standard Mortgage in XXXX XXXX, La. We had been customers for 18 years and maintained an excellent payment history. The closing of our home was on the XXXX with the disbursement date the same day. Payment was received a few days late, but it was the final payoff. After getting notified by all 3 bureaus our score dropped over 80 to 90 points on all reports. I tried to communicate this to the Representative XXXX XXXX and he was rude and refused to even consider despite my providing all the financial documents regarding our closing.
Consumer complaint received 2021-11-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (MS)

I have disputed a fee charge on my account on more then one occasion it is a fee charge of {$2100.00} which has nothing to do with my mortgage loan. I was told it was a fee that was charged because of something they requested on their error but since they ordered it that I had to pay for it, I don't think this is fair to me, or to any other consumer. I am not sure if this is a practice of this company, but I have just come out of a financial hardship which I had to modify this mortgage. In I do not have the resources of this company or the government assistance they have, I am sure I have paid them enough interest to cover their mistake, but they don't seem to have any concern.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XX/XX/XXXX - XXXX removed late payment charge of {$25.00}, when it was discovered that payment had not gone through on XX/XX/XXXX due to a system error. He neglected to remove the interest charge at the same time. However, he took payment at that time, with the late payment charge removed. 
XX/XX/XXXX - Spoke with Capital One representative " XXXX '' who applied a credit of {$37.00} for the interest XXXX did not remove. I asked her the amount I needed to pay to avoid any interest charges and she verified that due to the error made by Capital One I could pay the current balance and deduct the interest charge when payment was made on XX/XX/XXXX. 
XX/XX/XXXX - Interest charge of XXXX showed up. XXXX " XXXX '' checked and said that an error had been made and that grace period should have been reset when {$37.00} was waived. She waived the {$32.00} and said she had reset the grace period so there should be no further charges. I made a full payment minus the waived amount on XX/XX/XXXX. 
XX/XX/XXXX - New bill showed that on XXXX the {$32.00} had been credited back, but that {$37.00} had been added again. Spoke with XXXX " XXXX '' who said that shouldn't have happened and she would research it. She waived the {$37.00}, but said I could not deduct that until the next billing cycle, even though my current payment is not due until XX/XX/XXXX. 

My issue is that if the company makes an error, which is what happened, I should not be penalized by having to pay that charge until the next billing cycle payment due on XX/XX/XXXX. XXXX insisted that nothing could be done and that if I did not pay that incorrect interest charge, I would incur another interest charge for not paying the balance showing for the current cycle.
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (VA)

On XX/XX/XXXX, Sunrise Credit Service, added a collection to credit report. The account reference relates to a XXXX account. 

XXXX has not provided evidence of the debt owed neither any of their collection agencies. I've previously disputed this information and no-one has been able to provide the documentation related to : 1. Ownership of this account 2. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning disputing inaccuracies.
Consumer complaint received 2021-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SD)

I have an ongoing issue with them. Every time, I would renew my XXXX they would put my student loan into a forbearance, which caused it to generate more interest and nothing was applied into principal. I worked very hard on paying my student loan, so at least I was two months ahead of it. Myfedloan made sure that I wasn't ahead on my loan. They kept backdating it and stating I wasn't two months ahead on my loan. Basically, I was left paying more interest than principal for my entire loan.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IL)

We Applied for for a forbearance for XXXX loans w/ Loan Care during the Covid crisis, loan # s ( on attachments ) Our forbearance ended in XXXX XX/XX/XXXX. 

We called Loan Care in XXXX, multiple times to apply for Loan Modification for both loans. 

We received. XXXX  XXXX XXXX XXXX XXXX Solicitation Offer for both. 

We followed the instructions in the plan for both loans, which is : 1. Send our 1st trial period plan payment of $ XXXX {$660.00} respectively by XXXX/XXXX & XX/XX/XXXX which we did for both, we actually paid more money. 

2. Make XXXX consecutive payments, XXXX & XXXX, which we did & are doing. 

3. Sign Modification Agreement, which weve not received yet. 

XXXX XXXX XXXX sent a letter to our tenants & us, for one of the loans, stating that were in default, that we missed payments, which we did Not. 
Proof attached. 

Wevd called multiple times to try & plead our case but, we are told to disregard the letters & are told theres an error w/ the system by some agents, but that one loan collector has said that we are in default & were still getting letters indicating that were in default. 

We did everything that was requested of us.. We should Not be in default! 

On the other loan, we seem to be ok, yet we did the exact same things for both loans. 

We also asked for a payment history for the life of our loan, about a month ago & have yet to receive it. 

They sent a payoff amount, which does Not incorporate All of our payments. 

Please help us! 

XXXX
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

I filed a dispute with XXXX and I mailed additional information and they closed my dispute without receiving/viewing my mailed documents I mailed XX/XX/XXXX. 
This dispute was in regards to a XXXX XXXX XXXX which is financed with XXXX XXXX XXXX which is a predatorial financial institution and the XXXX on the loan is almost 29 % the vehicle was a lemon it literally broke down the same day the contract was signed it had a fuel line leak and I co-signed for the other person on this loan and we took the vehicle back to the dealership that we got the car from and I gave them a notice of cancellation for the contract which they disregarded and sent the car home with their technician of 30 years and the motor blew and the dealership as well as the financial institution are refusing to cancel the loan it has gotten to the point where I had to file a restraining order on the person that I co-signed for and I included a bunch of documents for the dispute and XXXX closed my dispute without receiving or reviewing the documents because they were just mailed last week and put the loan as remains status the financial institution for this loan has had many lawsuits for usury and the loan should have been cancelled the day after the contract was signed because I gave a notice of cancellation as well as the that the vehicle had mechanically were unacceptable be loan through Credit Acceptance needs to be removed off of my credit
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (FL)

I, XXXX XXXX, am the CEO and founder of a XXXX, Civil Rights organization called Advocates for XXXXXXXX Americans, Veterans, Police, Firemen & Families. This is a national non-profit. 
On XX/XX/XXXX, I took a XXXXr, XXXX veteran for a boat ride, and rented a small boat for several hours from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, FL XXXX. The rental cost {$320.00}. The rental was from XXXX, however, since the veteran was getting tired, we returned the rental at XXXX pm. We dropped the boat off intact, without any issues. On XX/XX/XXXX, {$3000.00}, was automatically withdrawn from the company checking account at Truist Bank acct # XXXX, by XXXX XXXX XXXX, XXXX claims. I called the bank and inquired about the charge. I was informed that the boat had damage and hence the {$3000.00} charge. I called XXXX XXXX, and was informed that there was damage on the side of the boat, that the boat was left during rush hour and the person accepting the boat was busy. We did not drop off the boat during rush hour, it was before XXXX. I was not sent any information regarding the damage from XXXX XXXX, I was not sent any kind of paperwork, no explanation, nothing. After my discussion with XXXX XXXX I spoke to the bank, informed them that this was a fraudulent charge, and on XX/XX/XXXX, the bank returned the amount of {$3000.00}, back into my account, the amount was from credit XXXX claims, XXXX XXXX. On XX/XX/XXXX, the amount of XXXX from XXXX  XXXX was automatically taken from my account once again.Truist allowed this company to take the funds from the business account without any documentation of proof. No one, from XXXX XXXX XXXX sent me any explanations, they did not accept my explanation, We still do not know how this amount, the {$3000.00}, was configured. I did not sign a document that allowed XXXX XXXX to withdraw such an amount, My bank allowed this fraudulent amount to be withdrawn, causing numerous other payments to be declined, causing a variety of {$35.00}, overdraft fees. I have never had a negative balance in the business account until now. I do not accept this withdrawal, I do not owe XXXX XXXX XXXX {$3000.00}.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KY)

On the XXXX XXXX I mailed in a payment to comenirty bank for XXXX XXXX dollars and then on the XXXX of XXXX I made another payment of XXXX to pay off the credit card. That was not credit to my card untill. XXXX XXXX before the due date of XXXX XXXX now the bank have add a finance charge of XXXX for the month of XXXX. Because I decided to pay off the credit card. Before the due date.the bank is comenity bank XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/XXXX )
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$97.00} XXXX XXXX Balance Owed : {$25000.00} Date Opened : XX/XX/2020 XXXX  XXXX Owed : {$230.00}
Consumer complaint received 2021-11-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (FL)

I Contacted the company and informed them that it didn't belong to me. I was informed to do a dispute with their fraud dept. Nothing was done. I waited for a response and didn't receive one only for me to be told that a police report would be need but the time has past and there is nothing I can do for this. The account in question was placed In my credit more than 3 times which brought my credit down over by 70pts. I dispute the item with the credit bureau which it was removed with supported documents then only for Navy Federal Credit Union to state I made a payment of which I never did. I have no access to my checking account which I believe my account has been froze.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Back on XX/XX/XXXX, I was frauded for {$2500.00} from my Bank of America Bank Account. I did not know and luckily checked the account the next morning on XX/XX/XXXX and saw that a person by the name of XXXX had XXXX themselves {$2500.00} to ( XXXX ) XXXX. I never do big XXXX amounts above a maximum of {$1000.00} which is for my rent and when I looked it up the number is a North Carolina number, I do not know anybody from North Carolina. I reached out to Bank of America and they did the usual and provided me with the stolen funds while they did the investigation. During that time I never got any emails nor any calls to look further into this. So I did, and it turns out the same day XXXX broke a story saying that they had a huge data breach. I tried to tell Bank of America all the things that I am writing down. What they told me was that I was the one who verified the transaction and there is not much I can do. They then took the {$2500.00} which negatived out my bank account as I needed that money to pay for my College/University . I had to take a private loan in order to pay for my school... Now I have a closed bank account due to fraud and a bank account occurring fees as it's in the Negative. I would never do something to mess up my bank account as I have been using Bank of America since I was a Kid and always tried to maintain a great standing with them. I am writing to the CFPB to try to get this resolved as soon as possible as it is the holiday season and Money is getting really tight. Bellow are the links from XXXX themselves that they did not even look into. They told me to present it and then they could look into the incident again. But never did, so I am putting them here. 
I also have Screenshots of the links in case they break or become dated... 
XXXX Data Breach Links : XXXX XXXX XXXX XXXX Data Breach Links XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers : XXXX XXXX XXXX
Consumer complaint received 2024-08-24
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. (MS)

NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT, NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Delete this item its outdated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New updated address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to inform you that your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. This inaccurate reporting has caused severe damages to my character, reputation, general mode of living, and ability to obtain credit for personal and household purposes. Your inaccurate reporting has also damaged my livelihood. 

According to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, you are prohibited by law from furnishing inaccurate information. I demand that you cease and desist the reporting of incorrect/inaccurate information immediately. 

Even if you have not received a Form 1099-C, you must report debt as gross income on your tax return as defined by the IRS. The reporting of this account as a debt is inaccurate according to IRS definitions of canceled or charged off debt as income. 

You are hereby put on notice that you are furnishing incorrect/inaccurate information and have 5 days to cure and correct this erroneous mistake from my consumer reports. 

In conclusion, I have shown that you are reporting inaccurate information and have not corrected it despite being notified. Your continued reporting of this information is a clear violation of the law and your responsibilities as a furnisher of information. Please take immediate action to rectify this situation. 

Sincerely,
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the XXXX XXXX XXXX XXXX, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. KIndly REMOVE below the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-08-23
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. (WI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.