davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX  XXXX XXXX
Consumer complaint received 2024-09-03
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (LA)

I submitted a complaint ( ID XXXX ) on XX/XX/year> to Navient Solutions about my private loans being invalid due to proven evidence that my school was guilty of illegal practices. Also, that Navient and its predecessor, Sallie Mae, failed me as a borrower at every step of repayment. I am resubmitting a complaint as to the manner in which I received a response and only received a School Misconduct Discharge application by mail, which stated on the cover that I'd requested it when in fact I had not requested it. However, after months of assembling all of the same legal documents and facts that are already public information about XXXX XXXX XXXX XXXX and its parent company XXXX, I was able to complete the application and submit it. ( 2 ) Two copies, one via email and one via mail, were submitted to Navient. 
I would like this to be on record with CFPB, as it is difficult for me to trust a lender that has already committed misconduct against me and is in connection with for-profit, predatory schools that are permanently closed and no longer accredited.
Consumer complaint received 2024-10-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (FL)

I took the loan out right as covid was hitting and then lost my job. Wasnt able to pay the loan back so it defaulted. The collection showed on my credit as a delinquent mark about XXXX months ago. I wasnt aware that I could dispute nor validate the debt. I wasnt even sure what the debt was over until more recently like XXXX months ago. When I tried to dispute it on XXXX twice I was told Im unable to dispute this creditor because it was already disputed.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (IL)

Upon checking my consumer report, I came across some / most credit inquiries that I did not recognize, and unverified items must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Upon checking my consumer report, I came across some/ most credit inquires that I did not recognize also unauthorized and unverified items must be removed Fifth Third Bank {$170.00}, XXXX XXXX XXXX {$190.00} and XXXX XXXX {$220.00}.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc. (AZ)

I got a letter in mail from Unifin on XX/XX/scrub>XXXX  via XXXX stating original creditor is XXXX, and XXXX is now the creditor ( dont know who they are never got anything from them XXXX XXXX but Unifin XXXX notice of debt via XXXX and I disputed it via email on XX/XX/scrub>XXXX  ( copies of debt notice and email are included ) XXXX was notified via electronic dispute on or about XX/XX/scrub>XXXX about XXXX XXXX this to my credit without me being notified, yet they resolved the issue as verified. Not sure what kind of investigation was done when nothing was requested from me, I have no clue who XXXX XXXX is and never received anything from them in regards to this debt Unifin has sent me Notice of.
Consumer complaint received 2024-09-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX has been relentlessly harassing me with phone calls at odd times in the night as well as weekends for the last 2 years. They have consistently used derogatory language and have talked down to me on more than one occasion by threatening defaulting/potential legal action. 

Also, I set a payment amount/date of {$300.00} on XX/XX/XXXX to be taken out on XX/XX/XXXX but they went foreward and took out {$300.00} on XX/XX/XXXX. I tried calling them and emailed them the issue but no response. They also harass me via text and have somehow found my work cell phone number as well. Very predatory behavior and I don't know which way to turn
Consumer complaint received 2024-08-11
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: GOLDMAN SACHS BANK USA (NY)

PLEASE REMOVE THIS FRAUDULENT ADDRESS AND ACCOUNTS THAT WERE OPENED UP IN MY NAME FROM MY CREDIT REPORTS. THERE WAS ALSO BANK ACCOUNTS THAT WERE OPENED IN MY NAME WITHOUT MY CONSENT USED TO MAKE PAYMENTS TO THESE ACCOUNTS OVER A HISTORY OF TIME. PLEASE REMOVE. I ATTACHED AN FTC REPORT ALONG WITH THIS COMPLAINT.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

In XX/XX/XXXX, I purchased my home and obtained a loan serviced by Newrez ( Shellpoint Mtg ). At closing, I paid for my property insurance in full for a year ( XXXX XXXX. XXXX with XXXX ). Attached is the settlement statement and policy information. 

My XX/XX/XXXX mortgage statement ( attached ) showed that Newrez advanced {$7200.00} on XX/XX/XXXX for Hazard Disbursement. 

On XX/XX/XXXX at XXXX PM, I called Newrez 's Insurance Department. I spoke to XXXX who asked a few clarifying questions about my policy. During the conversation, it became clear that Newrez paid an insurance policy that did not belong to me. They paid a policy that belonged to XXXX XXXX, who was the previous owner of the home I purchased. XXXX updated my policy information and ordered a Refund Retrieval. She asked that I call back on XX/XX/XXXX to check the status. 

On XX/XX/XXXX at XXXX AM, I called Newrez 's Insurance Department and spoke to XXXX. He stated the matter was resolved and funds had been credited to my escrow. He asked me to wait till XX/XX/XXXX to see it reflected in the account. 

On XX/XX/XXXX at XXXX XXXX  I called Newrez 's Insurance Department and spoke to XXXX. She said the funds had been refunded and this was an escrow department issue, not insurance. She transferred me to Customer Service and did not explain what had happened on the account. 

The customer service agent XXXX, explain that the refund is from the insurance company and I needed to do the follow up. I explained that the insurance policy that Newrez paid out of my escrow, was not mine, and had a different name. I stated that I could not call to the insurance company to inquire or request a refund on someone else 's policy. He put a request for an escrow analysis be done and assigned case no. XXXX. 

I followed up through Newrez 's " Chat With Us '' online features. At different times agent advised me that the analysis was ongoing and due to be completed XX/XX/XXXX. I reached out on XX/XX/XXXX and online agent told me to give it XXXX more days. 

On XX/XX/XXXX at XXXX XXXX, I called Customer Service to follow up on case # XXXX. I spoke to XXXX who informed me that my case was not really an escrow department issue. He transferred me to the insurance department. 

XXXX from the insurance department apologized for the inconvenience and said that he would " put a ticket '' for a Fund Retrieval to obtain the funds back. He advised me to wait XXXX days. I asked for the " ticket number '' and he said they did not have XXXX. I expressed concerned that every time I called I had to explained and even the insurance department.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (CT)

LVNV Funding filed a lawsuit stating that I owed them a debt without providing a signed contractual agreement between me and LVNV. I requested this information but never received it. Also, LVNV has committed Identity theft by using personal information without a SSA-89 signed Authorization Consent Form .
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year> ( XXXX XXXX  ) I received a notification from Chase Bank that my business account was blocked as a precaution and that I should contact them. I went directly to the Chase branch and they told me that the account was under review and a check would be sent in a maximum of 2 weeks. 

It's been over a month and I haven't received the check. When I go to the branch they treat me rudely and don't give me a solution. I am an older person and they are affecting my small business. Every time I go to the bank they treat me rudely. 

There are people who depend on me and this is affecting several people.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NV)

I am Complaint Regarding Unfulfilled Promotional Miles on My U.S. Bank Skypass Visa Signature Business Card. 

I am writing to formally complain about the unfulfilled 50,000 bonus miles promotion I was promised when I opened my U.S. Bank Skypass Visa Signature Business card on XX/XX/2024. 

As part of the promotion, I was eligible to receive 50,000 bonus miles if I spent {$5000.00} in purchases within the first 90 days of account opening. I am confident that I met this requirement, completing the necessary spending within two billing cycles, well before the 90-day deadline. 

However, despite meeting the terms of the promotion, I did not receive the promised bonus miles. so When I contacted USBank customer service team, I was informed that the bank could no longer honor the promotional miles, due to recent changes on XX/XX/2024 which after I apply. it states that " we are unable to process this request because existing or previous SKYPASS Visa Signature Business cardmembers are not eligible if you have received a new account bonus for this product in the five years '' I find this unacceptable, as I applied for the card under the terms of the original promotion and adhered to all the requirements. I can provide copies of my statements and transaction history that show I met the spending requirement. 

I request that you honor the promotion as advertised when I applied, and credit the 50,000 bonus miles to my account promptly. Please consider this as my formal complaint, and I hope this matter will be resolved in good faith especially I was royal customer to USBank past 20 years. 
I look forward to your prompt response.
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am victim of crypto currency scam. The XXXX was the platform acted like a genuine platform, and asking for money transfer, i became victim and i kept transferring money to the platform, need your help in recovering my money. 

The details are provided in the attached document
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My name as appears on my Birth Certificate and Iowa XXXX XXXX is different from the name on XXXX, Transunion and XXXX credit reports. My name is incorrect on XXXX, Transunion and XXXX. These names are all variations of my given name, but not my given name. I do not go by any variation of my name these names which I did not provide, and the information attached to these variations are not my information. I have attempted to address these inaccuracies and incorrect information, however XXXX, Transunion and XXXX refuse to update their files with my correct information. I have not been able to prove my correct identity to these XXXX bureaus, XXXX had a incorrect birth year XXXX and no birth date, i spoke to a rep and asked how are you able to verify information with an incomplete XXXX profile full of inaccurate and inconsistencies? I mailed a letter to XXXX and they received the letter on XX/XX/XXXX and XXXX has not updated my XXXX to reflect my correct information. XXXX has different variations of the name but not my name. there are addresses, phone numbers, and employers i do not recognize. Transunion is still to this date locking me out and making it basically impossible to get a response from them. Transunion has variations of the names, employers i never was employed by and addresses i have never lived at. also there are multiple inconsistencies with the XXXX file and according to law, I want the XXXX account deleted and XXXX am a government XXXX, being harmed by the malisious practices of these consumer credit reporting agencies, they are harming me financially, Personally and businesswise. I have provided all requested information in the past and still not able to verify the incorrect information pertaining to what is supposed to be a file reflecting my person, which it doesn't. The bureaus maintain their information files are correct and need to update my file to reflect my XXXX profile as it is, not as whoever provided this incorrect information.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO (PR)

I am filing this complaint regarding the inaccuracies in the payment history reported by XXXX on my credit report. I have repeatedly requested XXXX to provide detailed records of my payment history, including evidence that the payments were made on the dates they reported. Despite my requests, XXXX has not provided adequate documentation to support their claims. 

It is my firm belief that XXXX has reported payments on incorrect dates, resulting in negative marks on my credit report. These inaccuracies are severely impacting my credit score, and I strongly contest the validity of the information they have provided to the credit bureaus. 

I request that the CFPB investigate this matter and assist in correcting my payment history to reflect the actual dates on which payments were made. The removal of these incorrect late payment marks is crucial to restoring the accuracy of my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX and I recently reviewed my credit report and noticed that there were many accounts reporting on my credit report that should have been included in my bankruptcy. This misrepresentation is a violation of 15 USC 1681e ( b ). Please delete the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, can you please provide me with the name of the person who furnished the bankruptcy docket number XXXX to my Transunion Credit Report?
Consumer complaint received 2024-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Fifth Third Bank notified me that my savings account was dormant, and the only way to reactivate my account was to PHYSICALLY come into a branch to make a deposit or withdrawal. 

This was confirmed by a Bank Associate on XX/XX/year> who initially called from my neighborhood branch, the Bank Manager and another Bank Associate from my neighborhood branch on XX/XX/year>, and a Fifth Third Customer Service Call Center Representative on XX/XX/year>. All the above Fifth Third employees said I COULD NOT reactivate my dormant savings account over the Fifth Third app or online using the website. 

However, my dormant savings account was hacked into online on XX/XX/year> and money was stolen via online web transactions. I did not receive written or verbal notification of the reactivation. 

Fifth Third gave false information to me on multiple occasions, and did not protect a dormant savings account from being reactivated online contrary to the policy stated by multiple employees.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NH)

XX/XX/year> i was notified from another credit card my credit changed and i have a deliquent account. researching my credit i found that i had a loan from a company called affirm. i called the number and after talking with them ( affirm ) they found my account, it had a different email and a different phone number, the person stated they would let the fraud department know and they would reach out. heard nothing so i again called, the person found the account and that he changed the email and phone number this time so they can identify me next time easier. he also filed a complaint on my behalf with their fraud dept. again heard nothing. i then filed a complaint with XXXX as well, XXXX i called affirm for a 3rd time, talked to a supervisor but not the fraud dept. asking for an uodate. the supervisor said she would mark it urgent to the fraud dept to at least notify me of whats going on. XXXX notified me as of XXXX that they called affirm and confirmed this is my account and complaint closed. this loan has not been taken out by me
Consumer complaint received 2024-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (NM)

I signed up for a loan with Amerisave, I decided the very same day, saying I no longer wanted to loan and requested my {$500.00} back for a fee I wasn't fully sure what it was for. They rejected and said the fee is non-refundable, then continued to pressure me to give them my loan estimates from other comapnies.