davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harley Davidson Financial Services Inc (CT)

All these credit bureaus are scams. I have 3 closed accounts the are still trying to collect money from me. They keep on doing the liar XXXX and say they didn't recoup the money lost when they did. Items were given back and sold off for profit and accounts were closed. No need to continue or I'll just file bankruptcy and you'll all get NOTHING ANYWAYS AND BE FOR XXXX  TO TAKE IT OFF MY CREDIT. STOP XXXX WITH ME.
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (DC)

I contacted SunTrust to refinance my mortgage. The loan officer informed me that I could take advantage of their portfolio  loans, which do not have mortgage insurance, but have very stringent requirements to obtain the mortgage. You need to have a salary in excess of {$150000.00} and {$100000.00} in reserve assets, among other items. I told the loan officer that my salary is less than {$150000.00} and I had less than {$100000.00} in reserve assets, but he assured me SunTrust could work around the requirements. He then billed {$940.00} to my credit card for a home appraisal and to obtain condo documents. Several weeks later, the loan officer told me I do not meet the requirements for the loan and asked for more than {$20000.00} in additional cash to post as reserve. As I stated from the beginning, I do not have such extensive liquid assets and so can not qualify for the refinancing. SunTrust has refused to refund my money that it charged for loan product that I did not qualify for from the beginning. Perhaps I am naive for believing the assertions of the loan officer, but he told me repeatedly " not to worry '' and that they would " figure it out. '' Now I have lost nearly {$1000.00} and the loan officer says he can not help me.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year>
Consumer complaint received 2024-07-19
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: Bread Financial Holdings, Inc. (VA)

There is a discrepancy among all 3 credit bureaus. Your company is in violation of the Fair Debt Collection Practices Act section 809. XXXX and XXXX are not reporting the late payment for XX/XX/year> on my credit report. XXXX is the only credit bureau showing the late payment. According to 15 U.S.C. 1681e " ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, under Section 4021 of the CARES Act, due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have 1 late payment on my report for XX/XX/year> that I want updated as Ok or paid as agreed because, I was a victim of covid 19 and legally you should not have put the late payment on my credit report. 

This relief period applies starting from XX/XX/year>, until the latter of 120 days after the enactment of the CARES Act on XX/XX/year>, or 120 days after the end of the national state of emergency ; therefore, furnishers that entered into accommodations related to the COVID-19 pandemic on or after XX/XX/year>, should consider whether to treat it as applying since XX/XX/year>, and change existing reporting to comply with Section 4021. Note- I am XXXX XXXX a natural person and I am the actual person submitting this dispute and I am not a 3rd party.
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: U.S. BANCORP (IL)

On XX/XX/year> I contacted my current mortgage lender, U.S. Bank because I had received a letter ( dated XX/XX/year> ) that my mortgage had been sold to XXXX XXXX. I talked with XXXX representatives at U.S. Mortgage ; including the escalation department because I wanted to know if there was a way to keep my current lender, U.S. Bank. All XXXX representatives told me that this was a common practice and there was nothing to be done, other than refinance. However, refinancing does not help me at this time. My concern was that XXXX XXXX  is only available online, whereas, U.S. Bank also has a brick and mortar concern. I pay my mortgage online and in person. Since the global IT collapse these past few days, being able to pay my mortgage in person seems far more real than not. I then contacted XXXX XXXX to notify them that I had not received information from them about my mortgage, and should be receiving information 15 days before a payment was due to them. XXXX, the representative at XXXX XXXX notified me that I would be receiving information from XXXX XXXX no later than XX/XX/year> ( not within the 15 days before payment was due ), and that no late fees would be applied if they did not receive my payment after the first of the month of XX/XX/year> until XX/XX/year>. 

Although I am aware that selling mortgages is a common practice, I am not happy that my mortgage will be with XXXXXXXX XXXX, for reasons stated above, and to be quite honest for a few other reasons, as well. I also wonder if my mortgage was sold because I don't do any other banking with U.S. Mortgage and they feel that the amount of monies they receive from my small mortgage isn't worth their time. I'm sure that I won't receive a response to that statement, but it is just as real.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WA)

This is in response to the intial complaint # XXXX. In that complaint I complained that I have filed with Lexis Nexis a dispute and they refused to block the identity theft caused on my credit report. I attached to it a copy of my police report, FTC affadavit, proof of address, Proof of social security number, and state ID, they never responded so I filed the above mentioned complaint. The responded to that complaint by stating : " This correspondence is in response to the complaint LexisNexis Risk Solutions XXXX ( LexisNexis ) received from your office on XX/XX/year> on behalf of XXXX XXXX XXXX, in which XXXX XXXX disputes the alleged inaccurate reporting of bankruptcy record case number XXXX, address, tradeline account, and inquiry listed on his file. 
Thank you for your patience while we reviewed this matter and prepared the appropriate response. 
Based on the information XXXX XXXX provided in this complaint filed with your office, we are unable to fully authenticate XXXX XXXX identity and as a result we are unable to provide specific details regarding XXXX XXXX file. '' I will attach proof of my identity on this complaint the information should be blocked immediatey.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (NJ)

- **Dispute Type : ** Credit - Unauthorized Transaction - **Date Error Reported : ** XXXX - **Claim Amount : ** {$560.00} On the date mentioned above, I reported unauthorized ATM withdrawals totaling {$560.00}. This amount reflects a significant breach of my account 's security. I am deeply concerned that a thorough investigation was not conducted following my initial dispute. 

I hereby demand that a reinvestigation of these unauthorized transactions be undertaken immediately. Furthermore, I request that the investigation process be audited for its efficacy to ensure all necessary measures are taken to protect my account and prevent future unauthorized activity. 

Please confirm receipt of this letter and provide a timeline for the reinvestigation. I expect a prompt resolution to this matter, including a full reimbursement of the disputed amount to my account. I will be Filing a CFPB Complaint for the improper or negligent investigation and subsequent denial of my disputes after expressing concerns about security and a breach in the past! 

Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
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. (CA)

in accordance with the fair credit reporting act.. XXXX XXXX account number XXXX, has violated my rights. 
15U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY RWRITTEN INSTRUCTIONS
Consumer complaint received 2024-09-05
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 would like to dispute the following inaccurate items that are on my credit report. I have sent letters to XXXX, XXXX and Transunion and they have not acknowledged my disputes. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
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. (CA)

I only need CIti to BLOCK a {$79.00} monthly debit on my credit card that is from XXXX, which continues to debit and Citi just sends me a new card so I now have XXXX cards issued from Citi. 

I have notified the XXXX at XXXX in person to cancel my membership as they are not XXXX compliant. She now says she has no access to cancellations she keyed as the software has changed. The corp. is in XXXX. The system has my last name misspelled, but has my CITI card with correct spelling! Now she says the membership was cancelled. 

I sent Citi XXXX XXXXXX/XX/XXXXXXXX in XXXX XXXXXX/XX/XXXXXXXX registered mail certified receipts to complain on disputed debits. 

XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. They rejected my XXXX Mail. XXXX return not there. I physically went to XXXX to advise on returned mail. Mgr. confirmed it is odd and obviously the address is CORRECT. Received assurance cancel is in effect. Still {$79.00} hit again. 

I get CITI automated collection calls. No live person when I call back. XXXX months of this.
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS has agreed to my modification request ; I want to modify my loan so that the XXXX XXXX is eliminated while continuing to impound my taxes and insurance as before. To wit, I know that the interest rate will go from XX/XX/XXXX % to about XX/XX/XXXX % or XX/XX/XXXX %, XXXX - year fixed so I am making sure that this happens in a smooth and reliable manner. I am have already submitted the XXXX form ( attached ) and will keep the CFPB and XXXX updated on the progress of the modification.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (TX)

Credit Report Discrepancies Investigation Request Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccuracies in my credit report across all three major credit bureaus : XXXX, XXXX, and XXXX. Upon reviewing my credit reports, I have identified discrepancies that require investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I believe that my credit report contains inaccuracies that may impact my creditworthiness and financial standing. These inaccuracies are significant as they [ briefly describe how these inaccuracies may have affected you, such as impacting your ability to obtain credit, causing financial harm, etc. ].

I request that the Consumer Financial Protection Bureau conduct an investigation into the inaccuracies on my credit reports. I am attaching my contact information. 

Enclosed are copies of relevant documents supporting my claim, including copies of my credit reports. Please inform me of the steps the CFPB will take to address this matter and the expected timeline for resolution. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-09-10
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. (MD)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

The bank is reporting one late payment ( XXXX XXXX ) to all three major credit bureaus ; however, I'm trying to verify this information though their website and can not be possible due to the account is payoff/closed. The customer service phone number ( XXXX ) XXXX always has a waiting time of XXXX minutes or more to someone answer the phone and when someone finally answer the phone the response is that I will receive the information through email but I'm still waiting the email.
Consumer complaint received 2024-07-22
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: OneMain Finance Corporation (GA)

I received a call from one of the companies ( One Main Financial ) to obtain more information to process the loan. I explained that I never applied for a loan and they asked for them to cancel the request. I then called the other company ( XXXX ) and explained that I never applied or requested a loan from them. They stated that the loan request was processed through XXXX XXXX ; again I have never requested or created an account with any of these companies.
Consumer complaint received 2024-07-22
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: AMERICAN EXPRESS COMPANY (NH)

I have received three American Express gift cards from my employer. Im having a hard time using them in stores or online. Its embarrassing be rejected by a merchant. I can not log them into my XXXX account either. They are supposed to be accepted everywhere but that is not my experience.
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

I am a XXXX XXXX  for many years. I called to have my car towed but they said I hit my limit. So they charged my credit card for a tow. After a month or 2 they sent me a bill. I called XXXX and said it was my credit card that was charged for the tow. The agent agreed and even said we would not have towed your car unless you paid for it. So she said everything will be taken care of. Well a month later another bill I get. I called and same conversation, they agreed. This went on for about 6 times. Then I actually walked into XXXX and they agreed this is a mistake on their part but I would have to cancel my membership and join for free. So I did. Well a month later I get the collection notice and it's on my report now. I went back in to XXXX and I stood at the desk while they called southwest collection services. They said it was their mistake please take off XXXX - XXXX XXXX off the collection please. Well to this day They still have me on their collections.
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (WA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, NC XXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XXXX  My only employer is XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, Enclosed is my Drivers License and Proof of Residence.
Consumer complaint received 2024-07-22
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: TOYOTA MOTOR CREDIT CORPORATION (MI)

Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (MA)

I received a debit card in the mail from Cash App on XX/XX/year>. I have never used or opened an account with Cash App before and currently have a freeze on my credit score with the 3 major rating agencies to avoid having loans, credit cards and bank accounts opened in my name. 

I contacted Cash App to inform them that someone else tried to open an account in my name and that I received a card in the mail. Instead of canceling the account with me providing the information on the card that I received in the mail, they kept insisting on getting my email address to send me a link to cancel it online. After arguing with them about not wanting to provide my email address, they insisted it was the only way they could handle canceling the card. I provided my work email address instead of my personal email and am currently waiting to receive the email to cancel the account and debit card.
Consumer complaint received 2024-07-22
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: Spring Oaks Capital, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-22
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. (SC)

unfortunately, I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXX  XXXX XXXX filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.