davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2024 I went into the XXXX XXXX Texas branch to open up a new business account. XXXX XXXX opened my account for me and instructed me to go to the teller to deposit my {$5000.00} to start the account. I did that and the teller had a hard time spelling the name of my company. I spelled it for her about five different times and she was clearly confused, but said she found the account and was able to make the deposit. I went back to XXXX to finish up the paperwork and left the bank. I didn't think anything about it after I left because I've open multiple accounts with this bank and never had an issue. The first week in XXXX, I made an investor deposit and they let me know it would not be able to post for a week or two so on XX/XX/XXXX I went into my bank account to check and see if it had cleared and noticed at that time that my initial deposit of {$5000.00} was not there. The second deposit showed up, but the first one was never registered. I called the XXXX number because the bank was closed for XXXX XXXX and they instructed me to go to the bank the next business day on the XXXX and request an investigation for them to pull tape. I went to the manager that day and told him what happened and he launched an investigation. He told me it would be a few days. I've been following up with the assistant manager, XXXX XXXX ( may times! ) and Regional VP XXXX XXXX XXXX ( twice, no reply ) and I also emailed XXXX XXXX and corporate and CEO of Truist Bank XXXX XXXX. I again asked all of them for information on the investigation and I have heard nothing back. There has been no communication or follow up from the bank unless I have initiated a phone call to them. It has been one month today that my funds have been missing and I have heard nothing. Today I filed a police report with the XXXX police department for theft. I have that police report number, at request of your investigator. 
I need help at this point getting the bank to find my {$5000.00} and deposit into my account, with interest. I would also like this investigated for the amount of time it has taken to look into this matter at the branch and through 'nvestigation ' ( which I do not trust has even happened at this point! ) and the negligence of the branch staff in this matter. 
Just to note that the teller did not give me a receipt. I assumed she put it in the folder with all of my new account information as they always do.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Letter of Intent [ XXXX XXXX ] C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] ** ** [ XXXX, XXXX ] ** ** [ XX/XX/year> ] -future **XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXon , DC 2022XXXX CC : EXPERIAN **Re : Request for Settlement of Debts Pursuant to 12 USC 411 and 50 USC 4305 ( b ) ( 2 ) ** Dear -Experian, I am writing to formally request the settlement of { Any and all debts past present and Future ] pursuant to 12 United States Code ( USC ) 411 and 50 USC 4305 ( b ) ( 2 ).

As per 12 USC 411, Federal Reserve Notes I may be redeemed in lawful money at the Treasury of the Federal Reserve Bank. In addition, 50 USC 4305 ( b ) ( 2 ) provides for the discharge of obligations in times of national emergency.

I am exercising my right to use lawful money to discharge the debt fully.

Thank you for your prompt attention to this matter. 


Done in Good Faith, By : XXXX XXXX XXXX
Consumer complaint received 2024-09-21
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. (NJ)

Dear XXXX XXXX XXXX Account # XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name 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 XXXX 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 2024-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NY)

I have communicated with New Rez / Shellpoint over the summer about about setting up reoccurring weekly and/or biweekly payments and requested a start date. At first, the representatives set up weekly payments advised me that I needed to mail in a form authorizing the weekly withdrawals, which I did. 

I then called to confirm and another representative told me that New Rez / Shellpoint does not do weekly payments, instead they do biweekly payments. I cancelled the weekly payments that the previous representative set up because the payments were considered incomplete and would not be applied to interest or principal. 

I then mailed and uploaded the biweekly payments authorization to commence on XX/XX/XXXX. The payment was not withdrawn and when I called, the representative told me it takes one month to commence the biweekly withdrawals. 

I then called on XX/XX/XXXX, and the representative told me that there is no record of my form being uploaded on the Newrez XXXX Shellpoint portal ; that no biweekly payments are set up ; that I need to send in the form again ; and that it takes 48 - 72 hours to process. The representative confirmed that my account shows all of the calls and attempts to set up this weekly payment schedule. 

All I want is to set up equal weekly payments to pay off my loan quicker instead of making one monthly payment. I have been able to make in progress with Newrez/Shellpoint, and my account is up to date because I continue to make my scheduled monthly payment at the beginning of every month.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (FL)

My lease is up at my apartment XX/XX/XXXX, I applied to rent a home, on XX/XX/XXXX I recieved a call from the company that they tried to run my credit report and Equifax had it blocked and they're getting an error message and provided me the number to contact them. I tried to go online, entered my information, unsuccessful, error code XXXX, I called them at XXXX, wasted 38mins of my time spoke with a rep, she tells me there's a block and a the discrepancy. After speaking with the representative, I found out that, I've been living in the same place for 7yrs, they NEVER updated my Report, haven't updated my report in years, they have an address ( my mother 's address ) that I haven't lived since XXXX, then she tells me that they blocked the account due to possible Fraud and NEVER attempted to notify me, then she tells me that they do not contact the consumer or notify them, they wait until the consumer calls them, but how is the consumer suppose to know if they DON'T even tell you or notify you of possible fraud and to tell me they don't, is unacceptable! Because of the tentative company never contacted me and told me, I would have never known what is going on, then she tells me they don't have my phone number, email address or address, so you mean to tell me you have a empty report??? Then she gives me the address she has, I asked again why no one notified of a block or possible fraud, her response again was they do not notify consumers. She then tells me I have to mail a copy of my social security card and drivers license and that one recieved it will take 7-10 business days to fix, ma'am I don't have 7-10 business days, that means I could lose out on the house for me and my family and Equifax IS NOT going to put me and my family in a home or give me the money I lost because they don't communicate. Equifax has a history of not updating information, leaving information that's not suppose to be there and re-adding things to your credit report that was removed and it's so funny how on XXXX  I filled a complaint, and I've been living in my apartment going on 7yrs and all of a sudden there's a block and they have no updated history. I asked for email address, phone numbers to someone in higher position and she lied and told me they don't have information. Everybody reports and answers to someone. I want my information fixed and Equifax needs to be investigated for not notifying consumers of possible fraud, not updating information like they should and not removing information like they should. They need to be SUED!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

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 XXXX  years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2024-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

I am trying to set up and pay a bi monthly payment plan. i wish to pay in a way that maximises my payments and reduces my interest exposure. i wish to pay bi weekly and have each payment applied timely, not hold it for XXXX weeks until the other payments is made. this tactic they impose allows my balance to remain higher while they hold my payment hostage. 
i offered to make the XXXX payment early, this did not matter to them. 
also, i have had issues in the past with this company. they have transfered my account around to different newrez llc 's and avoided apply payments timely. 
i made additional principle payments that were unapplied for months. 
please help as it seems very unfair to hold funds while charging me interest on the higher balance.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

So was working at work and as usual I checked my credit score to see whaty score is and I notice to add-ons to my account so I look further into it and it says something regarding to the department of education and then I looked online and it is something in regarding to a third party with two personal loans for school and it was {$2000.00} and the other ones XXXX and so I I went directly and talked to the company itself and they're like yeah it looks like you applied and I keep telling him now fraudulent and so from there me and the company can I gathering some information and two for two or three weeks I kept getting them information paperwork proof of me the signature high school diploma my home address and all that stuff just to confirm it was me but they concluded that it was at the end that it was me who applied and I don't remember applying because at this more time I did not really feeling going back to school so I kept going going and just obviously you keep asking for more information to provide and I don't have no more information and it was just getting very frustrated it's already the fifth week with this problem so that's on trying to figure this out but unfortunately I don't have any other thing besides freezing my with one of my credit bureaus which is TransUnion I froze my account so my social security number so there won't be no no more future loans and if I do decide to go different job or something like that oh I'm freeze it but till then I'm trying to sort this out and I feel like there's something off about this because this person unfortunately a different information on there besides like a different email probably my social security number was on there my phone number was not there but had two different references which I don't recall their being for that so and that's pretty much where it's at
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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. 

XXXX XXXX {$230.00} XXXX XXXX {$0.00}
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment was made on time, as evidenced by my bank statements and payment confirmation receipts from my bank account, which clearly show that the payment was processed and sent before the due date. 
Despite this, the late payment was inaccurately marked on my credit report. 
I provided this information along with supporting documents but despite my adherence to the dispute process within the Fair Credit Reporting Act, TransUnion, XXXX, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (TX)

CitiBank and XXXX XXXX XXXX according to 15 USC 1692E false misleading representation the threat to take action that can not legally be taken or that is not intended to be taken The false representation of implication that cell referral or other transfer of any interest in a debt shall cause to consumer to lose any claim or defense to payment or the debt or become subject to a practice prohibited. 14 the use of any business company or organization name other than the true name of the debt collector 's business company or organization. 16 The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681A f of this title. According to 1692F on fair practices two it states the acceptance by a debt collector from any person of a check or other payment instrument posted by more than 5 days unless such person is notified in writing of the debt collectors intent to deposit such tech or instrument not more than 10 or less than three business days prior to such deposit. Also the collection of any amount including any interest fee charge or expense incidental to principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Number six ( 6 ) taking or threatening to take any non-judicial action to affect disposition or disablement of property. Notice provisions The sending of or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by the title 16 title v of gram leech Bailey act 15 USC 6801 or any provision of federal or state law related to notice of data security breach or privacy or any regulation prescribed under any such provision of law shall not be treated as an initial communication in connection with a debt collection for purpose of this section. According to 15 USC 1692 I legal action by debt collectors in case of an action to enforce any interest in real property secured the consumers obligation bring such action only in a judicial district or similar legal entity in which such real property. It has been brought to my attention according to 15 USC 1692 ( J ) furnishing creation deceptive forms a it is unlawful to design compile and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor or such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owe such credit tour when in fact such person is not so participating. It is also true any person who violates is section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692K of this title for failure to compile with a provision of this subchapter.
Consumer complaint received 2024-09-24
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. (VA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX {$370.00}