davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (GA)

Subject : Dispute of Inaccurate Information on XXXX, XXXXXXXX XXXXd SageStream Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, XXXX, and SageStream consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX, XXXX, and SageStream may violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my CoreLogic, XXXXXXXX XXXX XXXX XXXX. Specifically, I ask that : 1. XXXX, XXXX, and SageStream provides a detailed description of their reinvestigation process and how they verified the disputed information. 
2. XXXX, XXXX, and SageStream corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and SageStream report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

Subject : Dispute of Inaccurate Information on XXXX, XXXX XXXX XXXXXXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXXXXXX XXXX XXXX XXXXXXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXXXXXX XXXX XXXX XXXXXXXX may violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX XXXX XXXX XXXX  report. Specifically, I ask that : 1. XXXXXXXX XXXX XXXX XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
2. XXXXXXXX XXXX XXXX XXXXXXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXXXXXX XXXX XXXX XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (GA)

Money Lion failed to honor my request to provide proof that I signed an application for credit or signed a contract agreement for loan. Money violated FCRA privacy act by providing my personal information to others without my consent. 

I am a victim of identity theft. A complaint has been filed with the FTC, reference # XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upstart Holdings, Inc. (NH)

UPSTART NETW Account Number : XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety for the SECOND TIME. Further, I request VERIFICATION of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, INCLUDING credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer\ 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This non-compliance is subject to civil liability of up to {$1000.00} per violation. FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable Please provide me with the name and address of the persons who allegedly verified the alleged debt along with my written consent in wet signature permitting you to furnish this account on my consumer report as per the FCRA.
Consumer complaint received 2024-07-26
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MN)

I had the T.J.MAXX rewards card for about 2 months and paid off in full every statement until one day I noticed my account was closed. I called them and inquired why it was closed and they said they close accounts that carry a balance if they dont receive payment within 23 days of each cycle or something and I never knew about that. I was told they closed my account because of t was past due- but I made XXXX separate payments this month? Mind you, I owed under {$300.00}. It was my first time being late and I was a day maybe two late with this card and didnt even know I was late and my payment was dishonored because they took a multiple days to finally receive the payment and I had insufficient funds. Surprise, I have other bills. I told them Ive never been late and I owed under {$300.00} at the time and was still able to make the payment even before I called them and brought my balance down to almost {$100.00}. And since that day in XXXX, Ive been getting multiple phone calls, text messages and emails per day and from 4 different numbers with automated voicemails. It seems to be a little unethical. It completely ruined my credit and payment history. Which was XXXX XXXX until that time.
Consumer complaint received 2024-07-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (IL)

As of XX/XX/XXXX, some how my mortgage payment increased almost {$1000.00} for absolutely no reasons. The company has absolutely no communication with me. Very unacceptable. 

Turns out : Mortgage Servicing Issues : The Consumer Financial Protection Bureau ( CFPB ) investigated BSI Financial Services and found violations of federal laws, including the Consumer Financial Protection Act, Real Estate Settlement Procedures Act, and Truth in Lending Act, between XXXX and XXXX. The CFPB alleged that BSIs mortgage servicing practices were inadequate, leading to errors and inaccuracies in loan data. 

False Advertising and Illegal Loan Servicing : A class-action investigation accused BSI Financial Services of using false advertising and engaging in illegal loan servicing practices. Specifically, customers claimed that BSI did not follow the terms of home loan modifications and was unclear about its policies and regulations. 

Lack of Data Integrity : The CFPB investigation revealed that BSIs typical method for on-boarding new mortgages did not include reviewing loan data provided by prior servicers for accuracy, leading to potential errors and fraud. 

BSI Financial Services has been involved in multiple instances of financial fraud and malpractice, including mortgage servicing issues and false advertising. The companys lack of data integrity and inadequate loan servicing practices have led to errors and potential fraud.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (AR)

Today is XX/XX/year> XXXXAxos bank cancelled my debit card Thursday XXXX XXXX  .due to no fault of my own. I had money deposited yesterday and today and Axos is not allowing me to make a withdrawal or give me a virtual card or tell me the new debit card number and XXXX code from my new card so i can withdrawal my money. Axos suggests me paying {$35.00} for a wire transfer or paying {$50.00} for expedited debit card withdrawal. This is not right and I am being denied access to my deposited money till next Wednesday XX/XX/XXXX when they say the new debit card will arrive. This is ridiculous..
Consumer complaint received 2024-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX, deposited XXXX checks, {$1500.00} + {$13000.00} into Chase ATM located at XXXX XXXX XXXX, XXXX NY. The machine took the checks and on screen registered a deposit of {$2800.00}. 
I called customer service immediately because the tellers said they could nothing. 
For XXXX days, after confirming the digital images of the checks were visible, the bank refuses to credit my account. 
They say that they can take ten days to " research '' my " claim '' and that they do not have enough data to credit my account. 
They have the digital images of both checks, the first person I spoke to found them immediately. 
I have spoken with claims, research and customer service. I am referred to as the " claimant '' and since I only filed the claim yesterday, they have ten days to decide if they can resolve the issue. 
This is theft. And the branch will not take the machine out of service. I believe the transaction was intentional theft based on the amount of the XXXX checks. 
The bank is floating the amount of money to earn interest on the amount. 
I have been hung up on twice and have filed complaints with Chase against both reps who hung up on me.
Consumer complaint received 2024-07-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (SC)

On XX/XX/year> I received a call from XXXX XXXX XXXX, XXXX about account number XXXX which is a debt account from ChryslerRetail in which was already Paid and taken off of my credit report on XX/XX/year>. By my knowledge and understanding according to code 15 USC 1692 ( b ), ( c ), ( d ), ( g ), ( j ), ( m ). I understand that my consumer rights were violated due to the debt collecting agency having my personal information without my consent or hard copy signature written by I, personally. I dont want this company calling harassing me, emailing me, or sending me letters by mail. Any further attempts to contact me Id like to sue. By my personal information being sold illegally Id like to have this debt cleared or go to court to sue for XXXX XXXX a violation on this issue and further issue.
Consumer complaint received 2023-03-10
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. (TX)

This is my fourth follow-up to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (FL)

I reviewed my credit report and discovered the following from Account : XXXX XXXX XXXX Account number : Not reported Amount allegedly owed : XXXX Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about alleged debt, according to FCCPA Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX or after XXXX XXXX, unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money First credit services. isnt licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NY)

I had an account with Wise XXXX used to transfer money from my local account in the US to another bank account I have in XXXX. Wise also provided a debit card which I used to pay for services while traveling. On Monday, XX/XX/year> my account was unexpectedly closed by Wise without notice or providing any reasons. I had a balance of XXXX USD and XXXXXXXX XXXX in my account. When I tried to log in to Wise the login was denied and I was informed that Wise decided to deactivate my account. I was provided an option to appeal their decision, which I did. The same day, XX/XX/XXXX I got an e-mail from Wise with the following message : " After reviewing your case again, we've decided to keep your account closed. '' During the appeal process I was asked to provide proof or residency and my checking account number for the purpose of remittance of my remaining balance. Till today I did not receive my money back neither was it possible to contact customer support at Wise- in order to do that one has to login and since my account has been deactivated I am not able to do so. From XX/XX/XXXX till XX/XX/XXXX I am abroad on a business trip and because of Wise 's actions I am not able to access my funds.
Consumer complaint received 2024-07-22
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I received a credit denial in the mail from an unknown mortgage company, out of the blue. I tried calling them to lodge a complaint and everyone tried to transfer me to customer service. Customer service never picked up. After 4 attempts, I tried to refuse to be transferred and the phone person ignored my request and did it anyway before I could explain no one was answering.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

On XX/XX/2024 I received a call from XXXX XXXX a US Bank employee who informed me that " he was closing both of my checking accounts because I was rude on phone call to a bank employee ''. I at that time informed him that " I at no time spoke in rude matter to anyone and I requested to hear the audio of me allegedly being rude ''. XXXX then informed me that he " did not hear the call himself but was still closing my checking accounts ''.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

Privacy and Confidentiality under XXXX XXXX XXXX XX/XX/XXXXXXXX and XX/XX/XXXX XXXX had 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts need to be removed from report.