davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

My complaint is with Citi Bank Double Cash Card. I was informed that my available credit would drop by XXXX dollars, during this time I always made timely payments. After the initial drop in available credit, Citi would then cut my available credit limit after each payment I made until I'm left with a XXXX dollar balance. This move is crippling my debt to income ratio. My accounts have always been in good standing, and this amounts to damaging effects on my credit.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (AL)

This company has reported a collections account to my credit report. I have not received any written communication about the alleged debt. Therefore, my right to dispute or request validity of debt has been violated. This is causing distress and affecting my credit report and my ability to obtain credit.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My credit report shows hard inquiries as follows that I have not consented to and should not appear on my credit reports. 

CREDITOR DATE OF INQUIRY CREDIT BUREAU XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX Credit/Flow XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XXXX XXXX  XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (WA)

My name is XXXX XXXX. 

Im filing a complaint today about the customer service practices at KeyBank. My issue with KeyBank is they have froze my account since XX/XX/2021 due to accidentally cashing a check twice, the first time being a mobile check deposit and second being a atm check deposit. The reason I have made the atm check deposit after the mobile check deposit was because I havent recieved confirmation from my mobile check deposit, so to make sure I have cashed the check I made a atm check deposit. Due to making the deposit twice the bank has restricted my account activities and Im unable to even login to my mobile banking application. I have also accidentally used some of the banks funds but immediately credited my account. The bank branch manager in XXXX XXXX WA branch Mr. XXXX has told me since XX/XX/2021 that he will resolve the issue, but I am yet to receive any answer and Im being told by the manager that my issue is going to be too priority but since Im still being under represented. I feel as though my business with KeyBank is being discriminated and manipulated. I am loosing patience with this bank so as soon as they receive an email from the CFBP I will want them to unfreeze my account and then I will remove all funds and discontinue business with KeyBank for me and my family members who are apart of KeyBank as well. Please help me resolve this issue to the highest order. Thank you.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AL)

This company has reported a collections account to my credit report. I have not received any written communication about the alleged debt. Therefore, my right to dispute or request validity of debt has been violated. This is causing distress and affecting my credit report and my ability to obtain credit. 

Please remove the debt from my credit report and follow due process.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA refuses to give me my money from my bank account, over {$5000.00}. They refuse to speak to me over the phone. In person they say " we can't help you, '' and refuse to transfer my money to a different bank until " the issue is resolved. '' I will literally be homeless if I can not access my bank account.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (ID)

IC Systems is reporting debts on my credit file that are not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If IC Systems is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2024-08-22
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (CT)

We have being asking since XX/XX/2020 to do a loan Modification to BSI Financial Services. 
It took them 9 months to send the papers. When they send it the dates were wrong, putting us automatically in default and the terms were unacceptable. They responded that it was non-negotiable. 
In addition they are increasing the monthly payment by 40 % and asking for a {$30.00} payment to pay expenses. 
It is impossible to reach anyone, and when we finally after numerous emails and calls, reach someone they can not discuss, nor decide anything. 

We really need your assistance. 
Thank you
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (FL)

I was a Simple account holder. They transitioned to BBVA on XX/XX/XXXX. I have not been able to access my account. I keep receiving error messages. I called and got a representative who I couldn't understand and they couldn't understand me and the call kept breaking up. They couldn't help me and just told me to go to a branch. The branch hours are not convenient and I can't take time off work. I can't access my money.
Consumer complaint received 2023-01-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I mailed a letter to the recipient about accounts that were inaccurately reporting and I still have not received any notice or update about the accounts. My credit is very important to me and I would like to have some assistance with this matter. The contents of the letter are as follows : NOTICE REQUEST FOR REINVESTIGATION RE : XXXXXXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX I believe that the information on the consumer report is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation for the following : XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX Please verify if the following accounts listed above are reporting accurately or completely. I am disputing the Date of the last payment and the open date of XX/XX/XXXX. Once verified please send a copy of my credit file. 

Please help me with this matter asap.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My credit report shows hard inquiries as follows that I have not consented to and should not appear on my credit reports. 

CREDITOR DATE OF INQUIRY CREDIT BUREAU XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 Experian XXXX XXXX XXXXXXXX XX/XX/2020 Experian XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2020 XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXX XX/XX/2020 Experian
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, 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. (VA)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NY)

I was a member of Simple Bank since XXXX. On Saturday, XX/XX/XXXX, Simple Bank was migrated into BBVA America bank. Since XX/XX/XXXX, I have been unable to access my new BBVA account, create a BBVA account login, speak to a representative ( after emailing, tweeting, and calling over 10 times and waiting on hold for hours ), get access to my previous Simple account, and transfer my money.

Im also unable to check that deposits and transfers are successfully entering/leaving my account. And Im supposed to buy my partner an engagement ring, but since all of my money is tied up in this account to which I do not have access, I cant pay the jeweler. 

I am very worried that all my savings and money are gone, and BBVA has been avoidant and silent in its communication with me.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

Wakefield and Associates continue to call my phone 2 to 3 times a day I've asked them to verify this debit with a signature that I sign to authorize medical consent and financial responsibility. I know I never sign anything in 2018 to present with any emergency department regarding this bill they say I owe nor have they honor my request for a sign documentation in my handwriting. I've dispute this debit with all 3 credit report agencies and the say it's valid. As far as I'm concerned it's not a valid debit with out a valid signature from me I do not owe the debit.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX and Equifax was sent a ftc report on XX/XX/21!! All 3 bureaus have ignored my ftc report requesting fraudulent information be blocked from my report. Ive a victim of identity theft! All fraudulent accounts was listed on my ftc report. I also sent proof of address and identity. The following accounts are 1XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX. 
Its also a number of fraudulent inquiries listed on my ftc report also. 
per fcra 605b all fraudulent items must be blocked within 4 days.
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

The letter head is American Express this charge was supposedly opened in XXXXThey have been harassing with letters and even threatened to sue.This charge is not even mine. the amount is for {$6500.00} We have tried every time we received a notice to rectify. They keep sending settlement options this time is {$1600.00} my credit has tanked and can not even begin to repair it with this on my records. 
I spoke to XXXX  and they sent me to you stating this is a scam the address is American Express XXXX XXXX XXXX XXXX, DE XXXX phone XXXX
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have filed two other complaints about the correct balance owed on the mortgage. 
complaint ID XXXX & XXXX The company gave me credit for other amounts that I proved was not on their records of payment history. I have two additional payment totaling XXXX. 

The company is holding a lien on my property and have not provided me with a accurate balance of amount owed. I have tried working with them to settle this matter and feel like it is in violation of my rights for me to have to continue looking through old records to find missed payment and come up with a accurate balance of what is owed.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (FL)

I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with CAINE & WEINER or any of its Affiliates nor have I ever engaged in any business with CAINE & WEINER in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: COMMERCE BANK (CO)

On XX/XX/XXXX I apply for a sba loan. For XXXX When I meet in person with commerce bank they look everything ad my credit score and my financial everything look perfect and we sumith it for the loan five days later she send me a email that she need to talk to me by phone. When I call her she told me my loan was not going to happen because it was going to make more debt to my business. And they will deny my loan. I told her send me the reason for denial by writing so I can see better what was the problem because it didn't make sense. She never send me a written notice to explain. And the problem is that all this time I been under contract trying to get the loan and meet the days for closing. Now I'm in really bad situation no other bank can't meet the deadlines for the loan. One of the things that happend during our first meeting that the loan officer Use to sell clothing and she started asking me more and more questions about how that I was able to make my own makeup brand and clothing brand where did I got or how it needs to be done. And I told her that was confidential because it's how I make my business. After that I saw a change on everything. I was never provided with a account number or loan number they just won't return my calls
Consumer complaint received 2021-05-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (FL)

I had a loan I paid years ago I requested them to validate this debt but they not respond and they put it as a charge off paid full then come back and now they have reported this account multiple time on my credit as if I havent paid or they didnt charge this account off
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (VA)

In accordance with the fair credit reporting act, this creditor has violated my rights. under 15 usc 1682 section 602 states I have a right to privacy. 15 usc 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

My CashApp account was taken over by scammers and over {$9000.00} has been stolen from my accounts. I have contacted cashapp and all the did was close my account for violating TOS. CashApp security is lacking or this wouldnt have ever happened, and I desperately need my money back.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Subject : WRITTEN INSTRUCTION UNDER 15 USC 1681b and Request for Resolution Dear CFPB, I am submitting this formal dispute against the following companies regarding their continued failure to update and correct the status of my accounts despite having received ample notice and time to do so : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I provided written instructions to these companies and the respective credit reporting agencies TransUnion requesting that the accounts be updated to reflect the following accurate statuses : Reported Balance : XXXX Account Status : Closed/Paid Remarks : Nothing to Show or Resolved Payment History : Nothing to Show or XXXX  % Paid Amount Past Due : Nothing to Show Despite my written requests and the sufficient time allowed for compliance, these updates have not been made, and my credit reports continue to reflect incorrect information. This continued inaccuracy is causing harm to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).