davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

ON XXXX XXXX. I RECEIVED MY CREDIT REPORT FROM XXXX AND IN THE SUMMARY REPORT SHOW THE DIFFERENT ITEMS FROM XXXX XXXX XXXX, XXXX CREDIT BUREAU, EQUIFAX INFORMATION SERVICES LLC. 
UNDER 15 U.S. CODE 1681CONGRESSIONAL FINGS AND STATEMENT. CLEARLY WITH THE SUMMARY ENCLOSED YOU WILL SEE THE DIFFERENT BALANCE FROM ALL THRE CREDIT BUREAUS. 15 U.S. CODE 1681-2- RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWSOR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INACCURATE. A SUMMARY OF MY RIGHTS UNDER THE FAIR CREDIT REPORT 9IMOSES RESPONSIBILITIES ON ALL FPERSON WHO FURISH INFORMATION TO CONSUMER REPORTING VIOLATION OF 15 U. S. CODE 1681 THE INACCOURATE INFORMATION HAS IMPACTED MY CREDIT REPORT THAT I CAN NOT APLY FOR ANY CREDIT CARD. THE FALSE REORTING FROM XXXX XXXX, XXXX AND EQUIFAX HAS AFFECTED MY CEDIT REPORT WHICH HAS CONSEQUENCES OF ERRONEOUS ENTIREIES ON MY CREDIT REPORT IS MISLEADING UNDER ( FCRA ). THIS INACCURATE REPORTING IS AFFECTING MY EMPLOYMENT OPPORTUNTIES OF GETTING HIRED FOR BETTER POSITIONS.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NC)

I'm XXXX XXXX. Regional Acceptance Corporation did not have MY written permission to furnish anything on my credit report. Regional Acceptance Corporation has not furnished any documentation of validation ( sworn under oath ) or judgment that I owe an alleged debt.
Consumer complaint received 2023-12-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

- My wife and I owned our home until XX/XX/2023 - We did a XXXX  loan assumption - We closed on XX/XX/2023, and the closing attorney told us we owed {$420.00} for prorated taxes, which we informed her was wrong because we knew taxes were supposed to be at least {$1400.00} per XXXX XXXX and per our lender, but she insisted the {$420.00} is all we needed to bring - At the time of closing, our escrow account had a total of {$2600.00} in it that we had been paying every month for the prior year as part of our normal mortgage payment - We did not receive this amount as a refund from PennyMac after closing - 4 months later, on XX/XX/2023, we received an email from the attorney with a bill stating we needed to pay her {$2300.00} to cover the difference in taxes - We informed her that that was fine, we never got our escrow refunded, so the buyers should have the {$2600.00} balance from when we closed to cover that excess - The buyers claim that the {$2600.00} did NOT come from our mortgage payments for the prior 10 months, even though the escrow statement they provided showed where we paid and the running total each month - We then received an email from the closing attorney saying she would pay the taxes for us and we could reimburse her- We told her no, because we don't believe we are responsible for that, because the {$2600.00} that was in escrow + the {$420.00} we paid at closing for taxes was more than enough to cover our portion - After being dismissive and wiping her hands from the situation, we received an email XXXX minutes later from her that said she is now representing PennyMac and their position is that we need to sign a new closing disclosure and bring a cashier 's check for {$2600.00} to give the buyers of the home That's about it, none of this makes sense to me and my wife. By my math, we are technically owed {$270.00} from this ordeal, but instead we have been told we have to pay an additional {$2600.00}, which was the balance in our escrow at closing.
Consumer complaint received 2024-07-23
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-23
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. (AL)

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

To XXXX XXXX, In your letter dated XXXX XXXX you state I received a copy of your Financial Privacy Policy when the account was opened allegedly in my name and that I can limit information sharing ( OPT OUT ) if I wish to do so. 

Well, I would like to officially OPT out of the following accounts you are reporting without my permission. 

XXXX ) Comenity Bank XXXX XXXX # XXXX ..... 
XXXX ) Comenity Bank XXXX XXXX # XXXX ..... 
XXXX XXXX Comenity Bank XXXX XXXX # XXXX ... ... ...... 
XXXX XXXX Comenity Bank XXXX XXXX XXXX # XXXX ... ...... 

You mention you sold accounts to another company, BUT your company is still reporting this account and therefore I am officially requesting that you OPT me out of credit reporting the accounts that have no business reporting in my credit reports in the first place that you are currently reporting.
Consumer complaint received 2024-07-20
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. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-20
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. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (AL)

Hello I contacted the bank on the XX/XX/XXXX after I got notification on my phone there was a negative balance after somebody attepet3d too hack my account and my business partner it was a charge of XXXX cent that came out off my debit card then they put it back in the bank had me on hold too look into it and the rep came back too the phone and said the attempted too do your business partner the same way they took out XXXX cent and put back in all I. The process I was on phone with rep truist charged my.account overdraft fees because the fraud er made 4 transactions n 2 mind both taking out the some of XXXX and putting it back in each time charged my account XXXX dollars at the time I had over a XXXX XXXX something dollars I. The account the rep said I definitely can see fraud happening as we speak fro.a. company called XXXX or something of that nature the rep request me too order new cards but unfortunately since the charges are pending they can't dispute it until items stop pending I called back again next day after noticing I deposited XXXX dollars XXXX after a load delivery my account has become I. The negatives I only used my card in XXXX al not XXXX I told the bank I want too dispute all charged if you would have blocked the merchant or whomever that was drains my account first this would've never happen the insured me they will get my money back asap I receive a email saying they not honoring my.claim I'm so confused I deposit XXXX too a XXXX weekly they took XXXX dollars multiple times over the holidays this isn't fair at all and i. Top of that she told me my over draft fees will be rienbursed because the ppl who attempted too take Money agian took it out and put same amount rite back in all n a XXXX min span on both mtle and my partners card 2 separate transactions I want suppose too even be charged anything If I caught it there was XXXX other transactions I disputed all dealing with the same.claim over XXXX dollars and rep of truist seen it with her own XXXX eyes on Her side she told me call back wen it stop pending and we will reimburse you those over draft fees because the MOney never came out now all a.sudden my.account went from. Current too a negative XXXX dollars this isn't good customer service nor do it seem my account is protected I have made same deposits every week nor was I in XXXX al at time they I have a copy of claim ID please Investigate this matter we work too hard too be robbed like this nevernhappen before.i. my life thanks XXXX bless the claim number XXXX XXXX : XXXX
Consumer complaint received 2023-12-02
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: EQUIFAX, INC. (OK)

This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I mailed a check to XXXX XXXX, Texas for paying taxes. They do not accept any online payment. The check was stolen from the mail, manipulated the payee and amount. The original amount was for {$13.00}. The new amount is {$1900.00}. It appeared on our online statement and we called the same day to report it, which was XX/XX/XXXX. Citibank told us it hasn't been cashed yet, and took the fraud report and told me that the money will be reversed in 24-48 hours. I received a call today, XX/XX/XXXX and was told that Citibank made a mistake and that it had been cashed since yesterday 's report. They transferred me to someone in the XXXX to make a complaint. I can't even file the report for another 24-48 hours if I look online. If I wait for the mail, it's 5 - 7 days. I told them it is clear that the check was manipulated and we filed the report immediately. They said this isn't their fault and the maybe after the investigation I might get my money back in 90 days. 
In addition, my account is frozen, so I do not have access to any of my funds, and it's 4 days before XXXX. 
As a large bank, I feel the burden is on Citibank to ensure that documents are not manipulated before they pay anything out especially since they claim this happens every day. They put the burden on the consumer to prove this was not a payee or amount that I meant to pay.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America concerning an incident that I believe constitutes a violation of the Expedited Funds Availability Act ( EFAA ) and Regulation CC. On XX/XX/2023, I deposited a cashier 's check into my account at Bank of America. Despite the nature of the instrument being a cashier 's check, which typically warrants a shorter hold period due to its near-equivalent status to cash, Bank of America has placed an extended hold on these funds, with a release date set for XX/XX/XXXX. 

This extended hold is considerably longer than the standard timeframes outlined in Regulation CC, which generally requires XXXX XXXX to make funds from cashier 's checks available within one business day after the deposit is made. The delay in the availability of my funds has caused significant inconvenience and potential financial hardship, as I am unable to access my own money. 

I have attempted to resolve this issue directly with Bank of America, but have not received a satisfactory explanation or resolution. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this matter. It is my understanding that the CFPB is committed to ensuring fair and lawful practices in the banking sector, and I believe this situation warrants such attention. 

Please find attached relevant documentation, including the deposit receipt and any communication I have had with Bank of America regarding this issue. 

Thank you for your attention to this matter. I look forward to a resolution that upholds the standards of banking regulations and protects consumer rights. 

Sincerely, Attachments : Deposit Receipt, Correspondence with Bank of America
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with ( XXXX XXXX XXXX XXXXXXXX, XXXX, DPEDXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX  XXXX, XXXX, DPEDXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (VA)

I was contacted by phone by a debt collection company, Phoenix Financial Services, regarding a debt alleged incurred by someone with the same name on the other side of the country from me. The phone agents were rude, harassing and keep hanging up on me forcing me to call them back again and again to try and get information to dispute the alleged debt. On XX/XX/XXXX the agency sent me a letter demanding the money. The information contained in the letter clearly shows that the agency believed incurred the debt has a different middle name than I do.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a victim of identity theft there are inaccuracies on my credit report and they were unauthorized. I had fraud alert on my credit profile the credit agencies failed to contact me via phone to VERIFY information or applications.
Consumer complaint received 2024-07-23
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)

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, causing considerable stress and XXXX. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information associated with my name.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

I purchased XXXX XXXX XXXX XXXX XXXX necklaces in XXXX. 

On XX/XX/XXXX  I purchased 1 at {$680.00}. On XX/XX/XXXX  I purchased another that I was charged {$680.00}. Both purchases were confirmed by their service personnel as full credit within 30 days. 

I returned both in the same package on XX/XX/. 
I received a credit of {$440.00} on XX/XX/XXXX  and another credit of {$490.00} on XX/XX/. 

Total charges were {$1300.00}, partial credit received was {$940.00}. I called XXXX XXXX, spoke to customer service and was told a supervisor would contact me with 10 days. Nine days later I received a voice mail message from " XXXX '' who said there was a restocking fee with returned items and that is why I did not receive full credit. 

This is when I contacted Citi Visa to dispute the missing {$420.00}. Now after 4 months of dealing with Citi Visa they sent a letter to my online Citi account saying due to the amount of time since the original charges they no longer have any recourse on my behalf. Citi Visa made mistakes from the beginning over credits, conditional credits and credit reversals. Citi Visa has charged my account and extra {$680.00}. Citi owes me {$680.00} credit plus the {$420.00} they never resolved with XXXX XXXX. 

It absolutely has taken me a long time to try to get this resolved. 

Citi Visa never got the amounts correct, never done the right thing by standing for me, they have only allowed time to go by without ever persuing the correct amount I should have been credited by XXXX XXXX in XXXX! Three months later they give up and charge my account again! I am absolutely disgusted with XXXX XXXX for not properly crediting me the full charges stated in their their policy and 3 of their employees, 2 when I purchased and again when I called to verify the return mailing address stated. I am more disgusted with Citi Visa for not properly addressing my dispute, doing anything about it other than charging my account incorrectly and now for totally dropping the ball. They need to credit my account {$1100.00} immediately. I will then pay the balance on the account and cancel the account.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (NV)

In accordance with the Fair Credit Reporting Act. Navy Federal account # XXXX have violate my federally protected consumer rights. Under 15 U.S. C.1681 section 623 of the FCRA and Regulation V that a creditor must not furnish inaccurate information to a credit reporting agencies. Navy Federal did not investigate this dispute to confirm that the information is accurate. I am writing to dispute and request the removal of outdated information from my credit report, as provided for under Section 15 U.S.C. 1681p of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from XXXX Credit Bureau, I have identified information that is no longer relevant and should not be included in my credit history. Under 15 U.S.C. 1681 section 602A, I have the right to privacy.
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (FL)

In XX/XX/2023 I was facing an eviction that was brought to a stipulation and was voided due to system being down to make payment that month. in XX/XX/2023 we went to court and decided if I pay the remainder of that month that I was living in the apartment it will not go on my credit and the remainder rent that was paid to the Clerk of Court Registry would be disbursed to them once I made the final payment that was paid on XX/XX/2023. I have legal documentation that everything was paid in full but yet they place on my credit the amount that was supposed to be disbursed through the Clerk of Court of XXXX Florida.