davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUNCOAST CREDIT UNION (FL)

Ive been fighting back-and-forth with Suncoast credit union since about XX/XX/2023. Ive had massive amounts of fraud and fraudulent activity on my accounts to the point where they wont even let me have a debit card now because apparently its my fault that they allow fraudulent charges to occur they had to reimburse me {$2800.00} just in XXXX because of the dispute process, they left me stranded out of state with no money because of this fraudulent activity. Now I have installment loans with them. Ive never missed a payment theyre telling me theyre canceling my credit for my account because of poor credit performance with them that is a bold face lie Ive never missed a payment with them ever three loans I have with them every one of them is in good standing, it has been nothing but back-and-forth with them and I feel like Im being discriminated against at this point and Im done with it. I have tried and tried and tried with these people. They do nothing but screw me over. Also, all the sudden now when I log into my account I cant see when I made any payments on any of my credit accounts nowhere on there its just blank like I havent made any payments. Theres something wrong going on at the credit union there discriminating against me and Ive had it.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

Opening Checking account with Truist on XX/XX/XXXX with a promo code for a {$400.00} bonus. Completed all required steps in time frame to receive bonus. Which stated it would be deposited within 4 weeks of completed required activity. 

Called on XX/XX/XXXX to ask for update as that had been a little over 4 weeks since I completed required activities. Was informed by the rep, even though it says 4 weeks on the terms page. They can take up to 90 days which it does not say anywhere. 

Called again on XX/XX/XXXX to ask another rep and mentioned that he will send it up the chain to have it reviewed by someone else. He never mentioned a 90 day period. But informed me the timeline for escalation was approx 15 days. Meaning that the 4 weeks stated was never even a possibility and I was mislead from the beginning.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

The letters are stated with items and issues. 

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.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

eported a number of Hard inquires showing up after XXXX XXXX XXXX data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXXXXXX XXXX  XXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list XXXX of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXX XXXX  XXXX IRREVOCABLE TRUST, I XXXX  XXXX XXXX XXXX right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Consumer complaint received 2017-06-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I have a  VA Home loan with Popular mortgag e. My property did not paid property taxes on prior years, because I had to wait until the appraisal was made by the Municipality were the house is located. Last year on  XX/XX/XXXX  the house appraisal was completed, it took almost 6 years. On  XX/XX/XXXX  I received an invoice by the government office (  XXXX  ), I visited their office and requested the aplicable exonerations, the resolution was that my house was exempt, they told me that I had to wait until everything was processed. On  XX/XX/XXXX , when printing form  XXXX  to pay my taxes I realized that in  XX/XX/XXXX they paid  XXXX  in property taxes without issuing me a proper notification. I called Popular Mortgage and they told me to fax them the exoneration documents. After that I called to see if the documents were received and I asked if my mortgage was not increase were the payment came from, they told me to wait and later they told me that there were two payments issued on tax property that I had to wait until my loan was analyzed on  XX/XX/XXXX . I called again and I was advised to request a refund. On  XX/XX/XXXX  I received a letter dated  XX/XX/XXXX , which indicates that my loan will increase from {$1000.00} to {$1300.00}, they paid a total amount of {$1300.00} in property taxes. I requested the refund to the government office ( (  XXXX  ) and I was told that this might take 14 months. Due PR fiscal situation there is a possibility I might not see this money, so I can repay back the bank, but since they make payment to this government entity every month maybe they can make the adjustment or contact them directly. I am in the middle of this situation, however I was not notified by the bank that they were making a first payment in  XX/XX/XXXX , this situation could be prevented with I call and I would have notified them by that time that I was exempt and that paper requesting exemptions were timely being submitted.
Consumer complaint received 2017-06-16
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. (PR)

Problem  is with Experian. Thanks to them someone with my same name who stole my social security number opened a Credit Card. The person never paid it. After I submit a fraud alert and an investigation, they still kept the address of the thief, even though that address stand out from the rest which are all on the same state, except for that one.     Trying to get them on the phone is impossible. And the online options to submit additional information to clarify the problem or chat with a representative are virtually non existent.     What a nightmare.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MO)

WHEN I REFINANCED MY LOAN WITH XXXX MORTGAGE UNDER THE HARP ACT, ON XX/XX/XXXX, I UNDERSTOOD THAT A NEW APPRAISAL WOULD NOT BE NEEDED. SO I ASSUMED MY ORIGIAL APPRAISAL FROM XX/XX/XXXX IN THE AMOUNT OF {$87000.00} WOULD BE APPLIED TO THE LOAN. SO WHEN I CALLED TO REQUEST THE PMI BE REMOVED BECAUSE I AM AT 80 % XXXX, THEY TOLD ME MY APPRIASED VALUE WAS {$77000.00}. WHEN I ASKED HOW THEY GOT THIS NUMBER, THEY SAID IT WAS THE " SALE '' PRICE, OR THE PRICE OF THE LOAN THAT THEY USED. I 'VE BEEN IN CONTACT WITH, XXXX MORTGAGE ( ORINGAL LENDER ) /NATIONSTAR/MR. COOPER, FOR SEVERAL MONTHS, TO NO AVAIL. THEY KEEP TELLING ME THAT THERE IS NOTHING THEY CAN DO. I BELIEVE THIS IS UNFAIR AND DECEPTIVE, AND I WOULD LIKE SOMEONE TO TELL ME IF THEY ARE CORRECT, THAT THE LOAN VALUE CAN BE USED AN APPRAISAL.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-24
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. (FL)

I am writing in response to a recent collection notice discovered within my credit file attributed to your agency. Regrettably, I have not received any prior notification regarding this collection, and I hold reservations regarding the accuracy of the debt in question. 

Under the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive validation of any alleged debt. Consequently, I kindly request your assistance in providing the following documents to facilitate the verification process :
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-05
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: Self Financial Inc. (IL)

During the time of my XXXX  someone stole my identity. They have the wrong birth year on XXXX credit report and addresses. I have 4 accounts, XXXX XXXX XXXX {$590.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX account I never approved or asked to be added to on XX/XX/XXXX and also Self financial /lead {$720.00} on XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX  on XXXX  Can you please investigate and remove from the report.
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

I am writing to formally dispute the inaccurate bankruptcy information that has been reported on my credit file. The bankruptcy reported is erroneous and can not be verified through reliable sources. I have diligently contacted XXXX, XXXX, XXXX, XXXX, and LexusNexus to validate the bankruptcy they are reporting, and each has confirmed they received their information from the Bankruptcy Court. 

However, according to the U.S. Bankruptcy Court, Central District of California, they explicitly state they do not report information to any credit reporting agency, as they lack jurisdiction over such reporting activities. This discrepancy indicates that the bankruptcy on my credit report is not valid and violates the Fair Credit Reporting Act ( FCRA ). 

I am enclosing a link to the U.S. Bankruptcy Court 's statement verifying they do not report or validate any information to credit reporting agencies, as instructed by their customer service, to support my dispute. Therefore, the information on my credit reports did not originate from the U.S. Bankruptcy Court and can not be validated through legitimate source. 

https : //www.cacb.uscourts.gov/credit-report-and-court-records
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XX/XX/2023 my XXXX account got hacked and the hackers took XXXX from my Chime account. I since then got a new chime card. I filed 6 disputes and 3 rebuttals and still chime still says no error found. I call and call and nothing happens I keep getting denied. I filed 2 police reports and still they have denied me.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

After sending multiple letters regarding these inaccuracies on my report, these credit reporting agencies never responded or provide any resolutions. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report. These accounts XXXX XXXX XXXX  with the account number XXXX and XXXX XXXX  account number XXXX are reporting inaccurately on EQUIFAX and XXXX These accounts was paid always on time and was never late. I am always paying on time. This should be remove on my report immediately.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX my Huntington bank account was force closed due to fraudulent activity. There were about 11 disputes filed against my Huntington bank account and 11 provisional credits, given all of which I did not do. They realized that the person that did it was XXXX. I am not XXXX. I am American. Also, the person could not pronounce my name correctly. So my question to the bank was when they couldn't pronounce my name correctly. Why didn't you flag it and send them to the branch? They did not have a response other than we don't say. No. As long as they can verify the account. I said well when you realize that they can't pronounce the name correctly. Then you should not have proceeded. So my question was, how could you let {$1300.00} walk out of your bank without questioning anything? I am out {$1300.00}. I am also out the {$750.00} that I got from payroll plus XXXX XXXX. Says that they charge back {$840.00} 2 Huntington and Huntington bank is saying that they do not have it.I 'm so frustrated with this whole mess.I just wanted to be over with
Consumer complaint received 2017-12-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Bureau, Inc. (OH)

Sent a letter all 3credit bureaus for the credit collection agency, American credit bureau to validate that i owe this debt and the collection agency sent letter with black marker scribbled on it. I feel this is a HIPPA violation.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (GA)

It seems that someone has been stealing my information at the address of XXXX XXXX XXXX. I do not have any association with this address or account. I tried removing it from my report but I must also dispute the accounts used to open this account. I contacted the creditor on numerous occasion through XXXX and XXXX and I have yet to receive any response. I can prove my identity and any other needed information just let me know what is needed from me.