davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MORTGAGE SOLUTIONS OF COLORADO (KY)

My VA loan is through Mortgage Solutions and when I closed back in 2021, everything was smooth. A couple months ago the App disappeared and I could no longer access my account. My experian credit report is showing I am paid off and account is closed. I made payments of over XXXX beginning of XXXX. XXXX from XXXX account and for some reason is shows on statement MSF charity. This month after speaking to someone supposedly from XXXX, I asked if my account would be set back up on Auto pay and they said yes. As of today my monthly payment has not came out. And last payment has not been posted. They also said they would email me a receipt for my last payment of over XXXX. I have received a statement saying I owe over XXXX. This is wrong. Not how a retired vet she be treated. I'm thinking this company is in default of contract. If I get no assistance asap I will be contacting an attorney. They will not receive another XXXX. I just lost my father and really not trying to go through this. How can I get this resolved?
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to formally dispute inaccurate and unverifiable information being reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts are being reported inaccurately and in violation of Metro 2 standards : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$500.00} ( appearing twice ) XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$3500.00} These accounts are reported incorrectly and may be in violation of Metro 2 compliance regulations, which govern the accuracy and consistency of how accounts are reported. As per the requirements under Metro 2 and the FCRA, all data furnishers must ensure that the data reported is complete, accurate, and verifiable. Upon review, the following issues appear to exist : - XXXXDuplicate reporting : XXXX XXXX XXXX XXXX XXXXXXXX is listed twice for the same amount and opening date, which should not occur under Metro 2 reporting guidelines. 
XXXX XXXXUnverifiable information : XXXX I do not have records of the alleged debt with XXXX XXXX XXXX and XXXX XXXX XXXX as currently reported , and I am unable to verify the authenticity of these entries. 

I kindly request that you conduct a thorough investigation into these accounts, verify their accuracy with the original creditors, and provide me with documentation that proves they meet the legal reporting requirements. If the investigation reveals that these accounts do not comply with Metro 2 standards or are not verifiable, I expect these accounts to be deleted from my credit file immediately.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (AZ)

CITIBANK repeatedly refused to close my checking account # XXXX. Called many times over the past XXXX months, speaking with numerous people ( Customer Service ), and while they refuse to close my account, I wrote a letter with XXXX, my Arizona Driver 's License, home address, which has been my address for nearly XXXX years, the same address where I registered my XXXX XXXX from CITIBANK, my other ROTH IRA with CITIBANK, and a Second CITIBANK credit card. 

I believe that the account is now showing an overdraft because of monthly maintenance fees over past months. I want to close this checking account permanently, # XXXX. 

XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Unauthorized Hard Inquiry Dispute I recently noticed an unauthorized hard inquiry on my credit report from XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S.C. 1681b ), a permissible purpose must exist for accessing my credit report, and I have not authorized this inquiry.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

I tried submitting a check electronically for deposit. I started on XX/XX/XXXX but their website was glitchy & I wasn't able to submit check until next day. The bank, Ally, showed me the images I had submitted, but they were cut off so that critically important info like amount or bank routing & account # s were cut off. 
I tried calling Customer Service -- they took forever even though I was trying to fix errors THEY caused -- called multiple times, sometimes I got perpetual hold & had to hang up. 
The last time I talked to a CS rep I asked if I could submit check a XXXX time so that between the 2 submissions they had all the info like amt & check bank routing & acct # s. She said it would *not* cause a problem because once they saw that it was duplicate submissions they would simply delete one of the entries.

But instead my account was flagged & effectively SHUT DOWN, even though at EVERY stage it was Ally 's fault! Yet I am the one being made to pay by being treated like a criminal, aggravating me, and royally wasting my time by making me jump thu their hoops over & over & over! 

PS : since I am locked out of my own account, I can't even provide CFPB with accurate account #. One I provided might be an old Ally checking acct or the current savings acct.

Ally is an organization run by incompetent XXXX who make their customers pay in aggravation for Ally 's blunders! And the blunders just keep stacking one on top of another and customers have to wait on perpetual hold in order to be mistreated.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank has withheld XXXX for over a month. 
They closed my account saying that the bank had ended its relationship with me. They say that the fraud department is investigating but they have the money because they cashed the check more than a month ago and causing me to fall behind on payments.the ask for my house deed and the insurance claim last paper. they ask is bank statement of company sutmit the check
Consumer complaint received 2015-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Zenith Financial Network Inc (FL)

Recieved a call from a lady name XXXX earlier in the week and she stated I owe a debt with XXXX XXXX and gave me the price of the alleged debt owed. She stated legal actions will be taken against me is debt was not paid. She Call today about the debt but this time it was a different amount. I googled the company and read that people were scamed by this company ZFN & Associates. The number she used to called my cell is XXXX
Consumer complaint received 2024-09-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC (KY)

The purpose of this cash out refinance was to pay off auto loan, credit cards and personal loans that had balances over $ XXXX. To date they all are 2 months past due due and some closed due to my inability to pay them. This refinance process with my mortgage company has cost me a severe drop in my credit score as well as financially. To date I have no answer and now due to my drop in credit score in the accounts my mortgage company was suppose to pay off I am unable to end this and go else where. 

Here is what happened : ( XXXX rep- XXXX ) XX/XX/XXXX applied for a $ XXXX cash out refinance through my current mortgage provider. Current balance was $ XXXX. A prepayment of {$600.00} for appraisal fee was required. Appraised at $ XXXX. I received a conditionally approval email due to additional documentation and a mold remediation needed for small areas in the basement then a follow up appraisal to be done. Mold remediation done then charge additional {$200.00} for a re-inspection. 
Told I was all set my application was no longer in underwriting and that a Title Company would be reaching out to me. Weeks passed then I called for an update said I needed daughters birth certificate and my complete divorce decree. Emailed as well as uploaded via website portal. Weeks pass again no word so I called now requesting bank statements again. Sent via email and portal. More weeks pass and messages for my processor to call me back never returned.

( XXXX  ) finally spoke to expressed my frustration in the lengthy process and lack of communication and no answers to my questions. She stated they needed bank statements yet again so I sent to her again email and via the portal. She assured me she would call me within 3 days. A week and a half pass so I called again and asked for her supervisor and left a message for him to call me a week and half has passed and still no call back from her supervisor. This past Tuesday XXXX I spoke with the original intake person and he apologized and called me back to say the underwriter are needing the same bank statements I previously sent 3 times again. I sent again and promised he would get to the bottom of things and send a message to my processor to call me. My processor sent me a message stating the underwriters needed bank statements yet again. Help!!!
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Ussa reported my credit card over the limited to the 3 credit bureaus. On XX/XX/year> They charged interest on the purchase causing my account to be over the limit and they reported on XX/XX/year>. I fund my account on XX/XX/year>. I don't understand why they are reporting before the 30-day cycle. Because of their report, my XXXX went down 8 points. 
I spoke to a teller and he told me the system is automated and that they can't fix the incorrect report on my account. I want that corrected, I want to know what my consumer rights on over their limited reporting. Could you pleas respond to my questions?
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CCF Intermediate Holdings LLC (TX)

A loan was taken out under my social with cashcentral.com with out my permission. According to cashcentral.com loan was taken out XX/XX/year> for {$590.00} fund got transfer to a bank account of XXXX  XXXX XXXX that I dont own. Someone is using my social security with out my permission.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (MD)

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to request that you stop all communication with me regarding the alleged debt. I am not a third party nor a credit company. 

Additionally, it is important to note that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, it is unlawful for third-party entities to report or collect on debts without proper authorization and compliance with the law. The FCRA requires that any reporting of credit information must be done in accordance with the consent and accuracy provisions of the Act. Therefore, the purchase or reporting of debt by your company may be in violation of these provisions if proper procedures and authorizations were not followed.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NJ)

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately!. Ive attached a copy of the report to this request. 



Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (SC)

This is in regard to Southeast Toyota finance out of XXXX Alabama, I have had recent issues with my credit score being wrongfully lowered due to inaccurate information being place on my credit account by Southeast Toyota Finance. My score had dropped down almost XXXX points due to non posting of payments! I have constantly made my payments on time, but XXXX, XXXX, and XXXX of 2024, they have posted that I have been late with my payment. I will be uploading all of my payments for the entire year of 2024. Hopefully you will see the inaccurate information that has been place on my account therefore lowering my credit score! I have also been harassed by different representative after I have already made payments for those months! I received a notice in the month of XX/XX/year> for a right to cure my automobile! Then in the month of XX/XX/year> saying if I didnt pay a certain amount, they were going to charge my account off because, they said I didnt respond to a letter that they never sent me within 10 days! So I requested that they resend this letter that I never received! So I received another letter on XXXX the XXXX dated XXXX the XXXX 2024 stating that I owed an amount of {$1000.00}, which is not true! They have been saying this since XXXX of 2024 and I have made several payments since then, and you will see this in my documents that I will be uploading that I have been making my payments! They also took XXXX $ away from my, and put it towards something else, but this was supposed to be for my XXXX car payment! This is what the representative told me! My actual balance should be a little over {$300.00} dollars!
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I provided the account information requested on the Capital One XXXX XXXX. Twice I entered it as requested and twice I tried to pay my own account off with my own business checking account in my name. The application asked for account number NOT ACH account number. Twice I entered my account number. 

I attempted a third time with my ACH number and found all of my accounts closed. I have tried to resolve this on the phone and was told the reason for closure was " unexpected behavior or behavior that goes against XXXX XXXX  XXXX ''. I continued to request escalation to higher people and met a wall. Once again, I am being asked if I wanted my accounts reopened. I said no. At the final wall I said have a nice day through gritted teeth and hung up. 

this is for a veteran owned company as well.
Consumer complaint received 2024-09-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

On XXXX XXXX XXXX  at about XXXX I purchased a vanilla visa gift card from XXXX XXXX I ended up paying {$40.00} plus the XXXX fee. When I tried to use the card there were scratch off numbers and no XXXX digits on the back. They sold me a bad card and scammed me. Now they expect me to wait up to XXXX  days while my bill is going to be charged a late fee because of this unethical practice where they scammed me. Can you please help me get my money back ASAP?
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lincoln Educational Services Corporation (TN)

I am writing to formally address a serious concern regarding the unauthorized access and/or furnishing of my credit information. It has come to my attention that my credit report has been accessed and/or shared without my written consent. 

According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency must obtain written authorization before accessing or disclosing an individual 's credit information. I have not provided any such written consent.

In light of this, I am requesting the following actions : Detailed Disclosure : Please provide a detailed account of all entities that have accessed or furnished my credit information, including the dates and purposes of these actions.

Proof of Authorization : Furnish evidence of any written consent that authorizes the release or access of my credit information.

Deletion of Unauthorized Information : As my consent was not obtained, any information accessed or reported without my authorization must be removed from my credit file immediately. Under 15 U.S.C. 1681i, you are required to investigate and correct or remove any inaccurate or incomplete information. The presence of unauthorized information qualifies as such and must be deleted to comply with this requirement.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXXXXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXXXXXX XXXX  : XXXX : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.