davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI (FL)

I received a letter from general revenue corporation stating that I owed a debt to them for a certain dollar amount on behalf of college of XXXX XXXX..I spoke to the representative and informed them that I was not the individual who took the classes and that I was a victims of identity theft, I reported this to my local law enforcement and the case is now documented.Ive called the college and was unable to get ahold of the registrar office to update them.general revenue has reported this mark on my credit report without submitting any proof that it was me.it has been past 30 since I have submitted the letter to general revenue and the received the letter on the XXXX of XXXX and the mark is still on my credit report writhing them responding to me at all, they havent sent the required information that was stated in the debt validation letter. They need to either submit the required documentation or move the mark off my credit report, but reporting negative information unjustly is not a option.
Consumer complaint received 2024-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Commerce Home Mortgage, Inc (CA)

I have been trying to contact Change Home Mortgage XXXX XXXX XXXX Mortgage, requesting that they audit my mortgage because there is a error of one 1/2 payment that was applied to the account wrong. Thus, my payments are not reflecting they way I have been paying my mortgage. I have requested an audit be done to find where the mistake happened. 
On XX/XX/2024 my mortgage was sold from Change Home Mortgage to Planet Home Mortgage. I believe the error happened with the servicer Change Home Mortgage. 

I first contacted them ( XXXX ) in XXXX, and let them know that there was a problem. 
I spoke with XXXX XXXX and I thought she understood the problem and corrected it. Now I have received my first statement with XXXX XXXX mortgage and realize that it has not been corrected. 

I have a printed schedule of payments and all the statements we have received so I am needing someone to do an audit to figure this out. Neither company wants to do an audit to find the error. 

Please help.
Consumer complaint received 2024-08-02
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: SANTANDER HOLDINGS USA, INC. (OH)

According to the previous report XXXX that was made to this company, the company provided false information. On page 11, the company sent a notice of right to cure default on XX/XX/2023, to the wrong address as it is seen on this document that they provided to show proof of my investigation. I never received such a letter. 

Furthermore I was never notified of my account being put into charge-off status because the months that they reported a charge off, I made payments.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-08-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: We Collect Inc (OR)

I received a small claims court judgement of {$1200.00} on XX/XX/year>. They already garnished {$710.00} from my employment. I was about to pay the rest in full but on their portal it says I owe {$1300.00}. Which is more than the court ruled on and none of my garnishments reflecting my balance. 

I have tried contacting them multiple times but they will not respond. I am considering legal action.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Credit Services Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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
Consumer complaint received 2024-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (GA)

My account has had a freeze on it from XXXX XXXX XXXX I have sent in all the documents and everything they asked for. They took the hold off and assured me I could make that transfer. They put another hold on my account as soon as I made the transfer. I've been dealing with this for months
Consumer complaint received 2024-08-02
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: SYNCHRONY FINANCIAL (FL)

Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. Synchrony Bank has allowed an unauthorized inquiry on my XXXX and XXXX credit reports that i want removed. Attached is a word document which is the exact letter i printed out and sent to Synchrony via certified mail today to an address that is found on their website. I let them become aware of what it is i want and the current situation. In the letter i also let them know that i would be copying the cfpb so it would force them to respond. Thank you!
Consumer complaint received 2024-08-05
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: IDAHO CENTRAL CREDIT UNION (ID)

My XXXX card, email adress, phone were hacket along with my IP address. The hacker purchased concert tickets in XXXX from XXXX XXXX. XXXX  XXXX provided proof of purchase. Becasue they got my IP address my credit union said, I made the purchase and would not credit me back the money on my XXXX  card. 
XXXX XXXX ticket sale XXXX. Date of sale XX/XX/year> XXXX XXXX and XXXX XXXX. {$620.00}. 2 Section : " 4 '' Row " T ''. I should go there and see who bought these tickets. HACKERS DO HACK IP ADDRESS!.
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CO)

Roundpoint has an obligation to refund monies for overpayment and escrow at the time of the loan payoff. On XX/XX/XXXX I received an email showing the loan was paid in full and that the overage would to be mailed within XXXX business days. On XX/XX/XXXX I spoke with XXXX who stated we were getting {$1100.00} for the overpayment and {$1200.00} for the escrow and that it would be mailed in XXXX business days which would be XX/XX/XXXX - XX/XX/XXXX. She provided the reference number XXXX. I was unsuccessful in getting the refund and filed a complaint on their site requesting a call. On XX/XX/XXXX they replied via email saying a customer advocate would be calling me. Im still waiting. I have now been attempting to get the funds that are rightfully mine for over 3 months.
Consumer complaint received 2024-08-02
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: U.S. BANCORP (MI)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in removing unauthorized hard inquiries from my credit report. Despite my efforts to dispute these inquiries with XXXX, they remain on my report, negatively impacting my credit score. 

I have already sent three dispute letters to XXXX, and I am looking forward to completing the following steps to resolve this issue : 1. Escalating the dispute to a XXXX supervisor or XXXX XXXX. Providing additional documentation or proof that the inquiries were made without my consent XXXX. Requesting a manual review of my file to remove the disputed inquiries 4. Filing a complaint with the Consumer Financial Protection Bureau if necessary I believe that these inquiries are a result of identity theft or errors by the creditors. I would appreciate any guidance or support your office can provide in resolving this matter. 

Please let me know if there are any additional steps I can take or if you require any further information from me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
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: OneMain Finance Corporation (FL)

DELETE HARD INQUIRIES In accordance with Fair credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 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 without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report agency 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 XXXX sever years. 

15 U.S.C 1681s-2 ( A ) ( a ). A person shall not furnish any information relating to a consumer to any consumer agency reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

DELETE THE ACCOUNT BELOW 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
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (OH)

Was desperate and needed cash because I had been sick and my son lost his job to physical problems. I was living on a fixed income and having to support my son also. I was looking for a part time job to help pay for this. I only borrowed {$4000.00}. The payments were {$440.00}. Which I thought I could handle. I made payments sporadically as I could afford. The payback was over {$7000.00}. They came back with an offer of a non interest loan with a payback of {$8000.00} and a lesser payment. I couldnt afford to lose my car so I agreed. I have been paying approximately XXXX XXXXXXXXa month since then because it was all I could afford. Now they are threatening repossession again. I dont know how I can pay more at this time. My son is able to work again and maybe I can catch it all up. The payback is my complaint. How can they charge all that interest?
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

Checking my credit report, I noticed a series of accounts in the name of MIDLANDCRE ( XXXX, XXXX, XXXX, XXXX ), XXXX XXXX ( XXXX, XXXX ), and XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collection agencies themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing and violating my rights as a consumer, potentially leading to identity theft. Therefore, I am submitting this complaint to request validation and verification of the accounts, for which you can provide me with certified evidence. Where do I give consent for these accounts to be reported on my credit history? As well as the prior notifications regarding the transfer of the accounts by the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 
15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

I purchased a Visa gift card a few days ago, loaded with {$500.00}. When I tried to use it, it didn't work. The company has recently put additional restrictions on the use of these cards, causing them to decline when their customers use them to make normal purchases. Sometimes they work ; sometimes they decline for no apparent reason. Perhaps this is a business strategy to keep the funds customers loaded to the card. When I call the company to resolve the problem, they keep me on hold for a very long time. Then the person speaking to me is very difficult to understand. Their representatives tell me the problem is fixed, and I should just to use the card again. When I use the card again, it declines... again. When the company responds to this complaint, they'll provide a copy/paste response stating they are protecting the cards due to suspected fraud. This is a lie. Normal transactions decline. The same transaction will often go through on another one of their Visa gift cards. At times, several cards will decline, and will not work even with future attempted purchases.
Consumer complaint received 2024-08-02
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: AutoNation Enterprises Incorporated (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off on my credit report by CIG FINANCIAL LLC . The charge-off in question is inaccurately reported and should be deleted. My complaint is supported by relevant case law that highlights the inequitable nature of the continued reporting of this charge-off.

Creditor Name : CIG FINANCIAL LLC Account Number : XXXX Amount : {$18000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) : In this case, the court held that it is inequitable to allow a creditor to belatedly enforce an alleged debt after it received a tax benefit from the charge-off. The creditor 's continued reporting of this charge-off, after receiving a tax benefit, is similarly inequitable in my situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The issuance of Form 1099-C after the debt was written off is considered " prima facie evidence '' that the debt has been discharged by the creditor. This creates an issue of fact that should prevent the continued reporting of the charge-off on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : The court ruled that it would be inequitable to require the defendant to report the discharge of a debt as income on his federal tax return while allowing the plaintiff to continue holding him liable for the debt. Similarly, it is inequitable for [ Creditor 's Name ] to continue reporting this debt as a charge-off on my credit report.

Based on the aforementioned case laws and the inequitable nature of the continued reporting of this charge-off, I respectfully request the following : Immediate deletion of the inaccurate charge-off from my credit report. 
Notification of the deletion to all major credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Written confirmation of the actions taken to resolve this matter. 
Supporting Documentation : I have attached my consumer credit report showing the inaccurate charge-off I trust that the CFPB will investigate this matter thoroughly and take appropriate action to ensure the deletion of this inaccurate charge-off from my credit report. The continued reporting of this charge-off is inequitable and unsupported by relevant case law. 
Thank you for your prompt attention to this matter. Please feel free to contact me if you require any additional information.
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

Due to XXXX  I have been unable to make my payments and had to skip XXXX  of them. But I have been making regular payments since then. I tried to make a payment on XX/XX/year> and their automated system and the online system wouldnt let me make a payment. I then called and spoke to someone who was ready to accept my monthly payment but advised me that I wasnt going to be current which I knew. I was then transferred to a. Supervisor because I wanted to make sure that the system was unlocked so I could make payments as before on the phone. The supervisor refused to accept the payment I was about to make and refused to unlock the system. He stated that unless I could make the entire payment amount he would not accept any payment and ended the call. Instead of allowing me to make the regular monthly payment and stay XXXX months behind he instead refused my payment and preferred to move toward foreclosure.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (NC)

I went into a TD branch to open a new checking account. While there, the banker showed me promotional offers for Credit Cards, one of which was the TD Cash Credit card with a promotional offer of XXXX $ after XXXX $ of spend. I decided to sign up for that card. This was on XXXX, XXXX of 2024 on which I signed up. I then called in a month later, to see the status of the promotional offer. The rep on the phone stated that there was only the XXXX $ for XXXX $ spend which they saw in their systems, and when I went into the branch they told me the same. This is on XXXX which I went in.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AZ XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint against Citibank - XXXX to Access Account Dear Sir/Madam, I am writing to file a formal complaint against Citibank regarding their failure XXXX provide me access to my account, which contains a significant balance of approximately {$30000.00}. 

I have been a Citibank customer for over a decade, but have lived outside the United States for the past 10 years. Upon my return to the XXXX, I have encountered persistent difficulties in accessing my account : XXXX. In XX/XX/XXXX, I attempted to access my account online but was unable to do so due to forgotten credentials. 

XXXX. On XX/XX/XXXX, I visited a Citibank branch in New York. I met with a representative named XXXX XXXX, who updated my information in their system and spoke with the fraud department to verify my identity. I provided my debit card and passport as identification. 

XXXX. Despite this in-person verification, I remain unable to access my account. 

XXXX. I have updated my XXXX information with my married name, new address, and new phone number. I have also updated my records with the Department XXXX XXXX XXXX. 

5. I have made numerous attempts ( approximately 10 ) to contact Citibank 's fraud department. They consistently ask for a phone number associated with the account, which I can not provide as it's from over 10 years ago. When I explain my situation, they refuse to help and terminate the call.

6. I have requested alternative methods to verify my identity, such as using my SSN or passport, but these requests have been ignored.

7. I have filed online complaints and even received a call from a Citigroup representative, but they were unable to assist me.

XXXX. There are no Citibank branches in Arizona where I currently reside, making it impossible for me to resolve this in person without significant travel. 

This situation has caused me considerable stress and inconvenience. I am unable to access my own funds, which amount to a significant sum of {$30000.00}. I have been diligent in my attempts to resolve this issue directly with Citibank, but their lack of flexibility and customer service has left me with no choice but to seek external assistance. 

I kindly request the CFPB to intervene and mediate this situation with Citibank. My desired outcome is to regain full access to my account and funds. I ask that this matter be resolved within 5 business days given the urgency of the situation and the amount of money involved. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX