davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis ()

My lease with XXXX XXXX XXXX  was until XX/XX/XXXX, I moved out on XX/XX/XXXX. The early move-out charge was {$1900.00} UNLESS I get a tenant to take over my lease. When I got the tenant to take over my lease, they told me they already rented out the apartment and nevertheless, I was still responsible for the entire move-out charges. The new tenants moved in on XX/XX/XXXX. I paid rent from XX/XX/XXXX to XX/XX/XXXX. They are still billing me for the move-out charge. 
XXXX XXXX did not inform me that they were sending me to collection. I found out by checking my Credit Reports.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TransferWise Ltd (FL)

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding the suspension of my business account by Wise, which occurred due to a miscommunication related to an address update. This suspension has caused significant disruptions to my business operations, and I request the CFPB 's assistance in resolving this matter promptly. 

Details of the Issue : Date of Initial Contact ( XX/XX/2024 ) : I contacted the bank after being informed that I needed to update my trading address in their system. After updating the address as instructed by their customer service representative, I was assured that " all should be fine. '' Date of Account Suspension Notice ( XX/XX/2024 ) : I received an email from the bank stating that my account had been suspended because the updated address did not meet their requirements. 
Follow-Up XXXX ( XX/XX/2024 ) : I contacted the bank again to resolve the issue. I was advised to update my address a second time, which I did. When I requested reactivation of my account, I was told it would take XXXX working daysa delay that is unacceptable given the impact on my business. I was instructed to call back on Monday. 
Escalation Attempt ( XX/XX/2024 ) : I called again today to escalate the issue, but I was informed that there is no escalation process. Instead, I was told that the complaints team would contact me within XXXX hours. This delay is also unacceptable, especially since I followed the bank 's advice throughout this process. 
My Concerns : Failure of XXXX XXXX : I relied on the banks assurance that the address change was completed successfully. If there were any issues, the bank had a responsibility to communicate those requirements clearly during the initial conversation. 
Unjustified Account Suspension : The suspension of my account was carried out without any further notice or opportunity to rectify the situation, leading to significant financial disruption. This action contradicts the bank 's duty to act fairly and transparently. 
Severe Impact on XXXX Operations : The suspension has caused all incoming payments to be returned to the senders, disrupting my cash flow and leaving me unable to meet financial obligations, including payments to my contractors. This situation is putting my business and livelihood at risk. 
Requested Resolution : I am requesting the CFPB 's assistance in ensuring that my account is reactivated immediately. Additionally, I seek compensation for any financial losses incurred due to the bank 's miscommunication and the resulting account suspension. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NV)

On my credit report there is a debt that reports every month from Discover in the amount of {$1400.00} I have tried to pay this debt, I thought I owed for the past four to five months. I contacted Discover Financial Services/ Discover Bank from XX/XX/XXXX to the last contact on XX/XX/XXXX. I am told that they wrote the debt off and a XXXX was issued. ( I am including a copy of the XXXX ). Discover states each time I call them they will not take my money to pay off the debt. But every month they report to all three credit bureaus that I owe them the debt. So how can they report that I owe them money but they wont take my money?????? Someone please help.
Consumer complaint received 2024-06-26
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: EQUIFAX, INC. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/year>, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX  XXXX Balance : {$210000.00} XXXX XXXX Balance : {$210000.00} XXXX XXXX Balance : {$210000.00}
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (NE)

After filing dispute for unauthorized charge and having check Discover wrote me a letter saying my accounts were closed and any deposit would be automatically rejected and returned to sender. They also said they would refund my account balance within 10 days. I requested my employer to change my direct deposit but they still deposited it In discover account. I called discover and they said they didn't get any deposit then said yes they Had it but refused to tell me my balances and said that any refund owed will be mailed in 10 days from date of closure. I'm a XXXX XXXX  and can't wait any longer for my check were already struggling. And how can they legally hold my money and also refuse me any access to my paycheck and refuse to tell me mu Balance!!?
Consumer complaint received 2023-08-08
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. (TX)

XXXX reference too close Case on experience EXPERIENCE DID NOT INVESTIGATE NOR TOOK MY DISPUTE FAIRLY I PACIFIC STATED IN THE DISPUTES WHAT WAS ON MY CREDIT REPORT OTHER SELF INCREASE THAT WAS NOT MINE THAT I KEEP DISPUTING AND THEY REFUSING TO TAKE IT OFF MY CREDIT REPORT I ALSO TOLD THEM THAT THIS WAS A DATA BREACH ON THEY END CUZ ALL THE INFORMATION THAT HAS SENT THEM SCREENSHOT THEM UPLOADING THEM AND SENT TO THEM IN PERSON SHOWING WHAT'S ON MY CREDIT REPORT THAT NOT SUPPOSED TO BE ON THERE ON XXXX XXXX MY SOCIAL SECURITY NUMBER DRIVER 'S LICENSE NUMBER
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

Chase all of a sudden reduced my credit limit and ruined my credit score. I have always been on time in terms of payments and always paid more than the min required payment. Based on their letter, they reduced my credit limit simnifically based on XXXX score of XXXX from XXXX. Their action ruined my credit score and made it drop to XXXX XXXX I had done nothing wrong, as said always paid more than the min ahead of the deadline. They have immensely benefited from the very high interests and made handsome profits from my use of the credit cards, but they took the liberty of ruining my credit standing. When contacted, they rudely said this is what it is. This is a predatory practice and extremely unfair. Why the credit company that is benefiting handsomely should be allowed to ruin one 's credit score like this without any prior warning or notice. My credit score was ok before their unwarranted action and Chase must not be allowed to do this and ruin someone's credit like this while they are earning massively from them.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I'm requesting that the late payments in XXXX, XXXX and XXXX, 2023, be removed from my credit report. I take full responsibility for my financial obligations and understand the importance of meeting them. 

Unfortunately, unexpected circumstances such as the XXXX, loss of income, and the construction of our home caused us to fall behind, but my salary has now returned to normal, and I'm committed to making on time payments.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

https : //www.truist.com/checking/truist-one-banking/disclosures-and-fees Most Truist One Checking accounts start in Level 1 upon account opening and can begin increasing Levels following the first month. Thereafter, Truist One Checking levels are determined by the balance in your Truist One Portfolio ( Portfolio ). Your Portfolio includes all eligible Truist consumer deposit balances in your checking accounts, savings, Certificates of Deposit, IRAs and/or all investments through Truist Investments Services , Inc. where you are the primary or secondary account owner. For each of your accounts used in the Portfolio, we use the monthly average ledger balance. We then take the sum of all of these accounts to determine the Portfolio balance for the month. Each month, your Level is based on the highest Portfolio value of the three previous months.

Leveling up can occur on a monthly basis, but leveling down can only occur on a three-month basis. 

I opened this checking account in XX/XX/year>. 

Truist is in breach of contract.

My account was opened with a check deposit of ~ {$80000.00}. That made me a level 4 account.

The documents provided with the account and publicly posted on the website state that I can only level down 1 time every 3 months.

My account dropped from level 3 to level 1 a couple weeks ago. 

This is a direct breach of contract. Truist needs to adjust me account level to level 2, or I will file a lawsuit for breach of contract.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank became unavailable today on XX/XX/XXXX. I was unable to log in from the mobile app or the website for many hours. I was unable to call Truist because they decided they were going to close the call center on weekends, but at the same time, do maintenance that would prevent account access on that weekend. It's my XXXX money, don't stop me from accessing it. 

After the outage was resolved, I logged into the app. For some reason Truist thinks it's okay to let me log in. But they blocked my access to XXXX. My XXXX access has been suspended for " too many verification attempts ''. 

The entire app was down. So every time I tried to log in, with the CORRECT password, it counted as a FAILED VERIFICATION. And I can't call anyone for help. I have bills to pay today with XXXX. What the actual XXXX. Truist is the worst bank I've ever dealt with. Truist should be fined for blocking my access to funds.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$25.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$70.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$150.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX : {$2300.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

To Whom It May Concern, I am writing to express my concern and seek assistance regarding a discrepancy with my loan repayment plan. On XX/XX/2024, I applied for both loan reconsolidation and the SAVE income-driven repayment plan. My loan was successfully reconsolidated with Aidvantage, and under the SAVE plan, my monthly payment was expected to be approximately {$320.00}. 

However, on XX/XX/2024, I received an email notification indicating that I have a payment due on XX/XX/2024, in the amount of {$3200.00}. This amount significantly exceeds the expected monthly payment under the SAVE plan. 

I contacted Aidvantage on XX/XX/2024, via phone and email to inquire why my account had not been placed on administrative forbearance, as I understand is standard for other accounts applying for or enrolled in the

SAVE plan. The representative I spoke with was unable to provide an explanation and confirmed that the due date for the payment would remain unchanged. I am requesting that my account be placed on SAVE administrative forbearance since I applied for the SAVE income-driven repayment plan ( which is currently on hold ). The current payment amount is unaffordable for me, and I have not received any decision or alternative regarding my application for the income-driven repayment plan. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. Attached are the documents of : 1 ) SAVE application submitted in student aid.gov on XX/XX/XXXX 2 ) Confirmation of loan reconsolidation 3 ) Billing statement of {$3200.00}
Consumer complaint received 2024-07-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MA)

Dear XXXX XXXX / XXXX ; Cfpb : I never had any account with XXXX nor its affiliate companies with alleged balance of {$230.00}???!!! I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : XXXX : Harassment or abuse in connection with debt collection. 
XXXX : Use of false, deceptive, or misleading representations. 
XXXX ( b ) : Failure to properly disclose my rights. 
XXXX : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-08
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report.

XXXX XXXX  BANKRUPTCY Case Number : XXXX  Delete this account.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX  Delete this account.
Consumer complaint received 2024-07-09
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. (IN)

It has been 7 years and this record has been on my XXXX and XXXX. Transunion deleted once I went to the court house and notified them the courthouse did not report this information. 

This information has been requested to deleted from XXXX XXXX.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I would like for XXXX XXXX and Transunion to stop sharing my nonpublic personal information per my rights under the Gramm-Leach-Bliley Act. I have already submitted complaints with CFPB for this information being reported. XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.