davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I issued check # XXXX in the amount of {$30.00} for payment for our marriage certificate after I made a correction in XX/XX/XXXX to report my former divorce on the marriage affidavit. We were married on XX/XX/XXXX. The Town of XXXX clerk issued my wife and I a letter she received from XXXX XXXX acknowledging the correction. After the correction my wife and I mailed my check with the application for the certificate which USPS confirmed received. My checking account number with Webster formerly XXXX XXXX is # XXXX. The funds were debited against this check on XX/XX/XXXX. After some time had passed we did not receive our certificate? We issued a certified letter to XXXX on XX/XX/XXXX. We have no information as to the status of XXXX processing our document to date. Webster provided a check image with incomplete information on the back. The image shows a hand written number and a stamp XXXX XXXX XXXX for deposit only. XXXX XXXX issued a letter to us about her opening a case to research the information request which was absent from the back of the check image. The following afternoon she called me and said to me " we can't give any information becasue the department doesn't disclose it ''. We did not get a case number and XXXX XXXX stated " I am not going to cooperate with you '' when we asked for a case number. My wife has been submitting repeated complaints on CFPB to get Webster to inform us about the whereabouts of the funds and to get a legal copy of the check image or the original cashed check back. Webster has failed to respond and her complaints on CFPB are being marked as duplicate so the bank hass a pass in answering our legitimate questions about this transaction which concenrs both of us. I was misinformed about my rights to know the details of where my money goes and who actually receives it when I write checks. I was not aware of check XXXX act in NY which has requirements for check images as a substitute for a physcal check as a legal document. XXXX XXXX kept me from knowing so I would not expect to receive the information requested.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : LOWES # XXXX
Consumer complaint received 2024-05-23
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. (FL)

In XX/XX/2024, I opened a dispute with Experian regarding several accounts on my credit report that I believe to be fraudulent and not belonging to me. The accounts in question are : Account XXXX foXXXX XXXX XXXX  Account XXXX for XXXX XXXX XXXX XXXXXXXX Account XXXX for XXXX XXXX XXXX Account XXXX for XXXX XXXX XXXX Account XXXX for XXXX XXXXXXXX XXXX I notified Experian that these accounts were fraudulent and requested that they be removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ), credit reporting agencies are required to block the reporting of information within XXXX business days after receiving a consumer 's request, provided the consumer has identified the information as resulting from identity theft. 

Despite this mandate, Experian failed to remove these fraudulent accounts from my credit report within the required timeframe. Additionally, I requested verification of the debt and ownership of these accounts from Experian. Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), the XXXX XXXX XXXX must 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. 

After more than 30 days, Experian sent me a new report stating that the accounts would remain on my credit report. This is a violation of XXXX XXXX. XXXX ( b ), which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

By failing to remove the fraudulent accounts within the legally mandated XXXX business days and by not conducting a proper reinvestigation to ensure maximum accuracy, Experian has violated multiple provisions of the FCRA.
Consumer complaint received 2024-05-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

From XX/XX/year> to XX/XX/year> I have XXXX inquiries on my credit report that were not made by me. They are through XXXX XXXX XXXX, XXXX with XXXX XXXX XXXXa, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Not one of these was done by me. These inquiries need to be reported as fraud and they absolutely can not be accepted. DO NOT approve any of these inquiries and report them as fraud.
Consumer complaint received 2024-07-30
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. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

After sending numerous written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The XXXX Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : XXXX XXXX XXXX XXXX  XXXX : {$2600.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$380.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$250.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXX NA XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-05-23
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

COLUMBIA DEBT RECOVERY Account Number : XXXX******************* Date Opened : XXXX Balance : {$20000.00} This account is not mine. I am a victim of Identity Theft, i've submitted multiple forms of documentation to support the fact that I have no relation to this collection account. I've disputed this fraudlent account with XXXX, XXXX, XXXX and columbia debt recovery ( genesis cred ) .I 've sent in police reports, utility bills, and bank statements verifying that i've never lived or resided at XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. I also researched XXXX XXXX XXXX  which is the company that reported this debt and nothing came up when i searched for THIS COMPANY.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NJ)

There are multiple credit card inquiries on my credit report some which were made when I wasn't even in the country. I contacted the credit card companies for whom which I told I don't recognize the inquiry made and that it was a violation to still have it on my credit report. I was told they were gon na mark it as fraudulent and within 30 days or more it will be removed. It has been months as I made these calls in XXXX and they are still there.
Consumer complaint received 2024-09-16
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: Mr. Cooper Group Inc. (FL)

Last month I received an email to provide the updated condo flood insurance certificate information to this mortgage loan servicer, Nationstar aka Mr Cooper, and I IMMEDIATELY did so. The identical pdf is also attached. Flood policy period is written as CLEAR AS DAY on page XXXX : XX/XX/XXXX to XX/XX/XXXX. The condo has XXXX units and the policy amount is {>= $1,000,000}, which equals the maximum allowable {$250000.00} per unit. The mortgage loan servicer is shown on page XXXX as the XXXX XXXX and the loan number is included. This is the same renewal from the same insurance broker as every other previous year with the newest dates. The mortgage loan servicer farms out the insurance to a third party, who was so incompetent that they claimed that this flood policy that is valid until XX/XX/XXXX did not have correctly valid dates. I resubmitted the form to the servicer 's third party insurance people and also circled and highlighted the dates over a week ago and also emailed that directly to the mortgage loan servicer. To date I have NOT received acknowledgment that this information has been recorded and updated. Today I received from the loan servicer a generic letter failing to acknowledge or update the new condo flood policy, stating that they will get back to me. If a company is too incompetent to update a valid and effective until next XX/XX/XXXX condo flood insurance policy, they should not have a license to service mortgages.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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)

In accordance with the Fair Credit Reporting act Convergent Account # 1234, 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 2024-07-30
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)

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried over the last XXXX years to get these accounts resolved on my consumer report with the XXXX credit bureau agencies and they keep saying the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are coming back as verified without any documentation. I sent letters of debt validations to each of the collections agencies and neither responded to the correspondence nor offered any proof that they legally owned the debt. These XXXX party creditors have not validated that they have the rights to own the debts after being given 30 days to respond as these debts have been written off and the original creditors have sold them to a third party without my permission. They are reporting these collection as an " OPEN ACCOUNT '' which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. 

Please be advised that as of ( XX/XX/year> ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. 

Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. They are charge offs reporting with a balance and negative late payments on these accounts. 
Starting XXXX days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. 

If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX  XXXX XXXX.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (DE)

I am writing to express my frustration with the issues I am currently facing with a hotel reservation I booked through the US Bank travel portal. 

Recently, US Bank canceled my credit card. As a result, I no longer have access to the travel portal, which is preventing me from modifying or canceling my existing hotel reservation. This has caused me significant inconvenience, as I am unable to manage my booking or cancel it as needed. 

I am requesting that US Bank take immediate action to cancel my hotel reservation and provide me with a full refund. The Trip ID associated with this reservation is XXXX. 

This situation has been both frustrating and disruptive, and I expect that US Bank will address this issue promptly. Please confirm that the reservation has been canceled and the refund has been processed as soon as possible. 

Thank you for your attention to this matter. I look forward to a quick resolution.
Consumer complaint received 2024-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (CT)

On XX/XX/2024 we submitted a payment to Freedom Mortgage in the amount of {$2300.00} and it was deducted on XX/XX/2024. They deducted our payment twice on XX/XX/2024. As a result, we were charged a retry payment fee from our bank in the amount {$35.00}.
Consumer complaint received 2024-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc. (IL)

I contracted with XXXX XXXX XXXX for a roll off XXXX bin to clean up property due to moving. I paid a neighbor to fill the bin with his loader. After filling the bin I called XXXX XXXX to inform them it was ready for pickup. The driver of the roll off truck exited the property out the back gate to the XXXX XXXX next to a XXXX XXXX XXXX drainage ditch. The driver then proceeded too close to the drainage ditch and almost tipped over due to the soft dirt. This all was witnessed by my friend my neighbor who loaded the bin. He had to move the bin back to my property with the loader. He had no problems moving the bin. Which tells me the XXXX XXXX driver was inexperienced and so they want to charge me for multiple trips due to their drivers error. This amounts to fraud in my mind since they're charging me for their mistakes. I did move out of state, but I'm not trying to dodge my responsibility to pay what I legitimately owe, I always pay by debts when the debt is truly mine. The multiple trip charge is {$150.00}, and the interest they say is $ XXXX XXXX also wants to charge me " Hard to Handle Fees of {$150.00} which is also questionable. I am willing to pay actual verifiable charge but I refuse to pay for mistakes made by their driver. I have already paid {$1100.00} towards this debt. I am willing to pay {$700.00} to settle. This amount is minus the hard to handle fee and multiple trip charges and bogus interest charges which I consider in error.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (VA)

On on XX/XX/2024 truist forced a payment out my account anyway after I spoke to a agent on XX/XX/2024 I was notified by agent I had till XXXX XXXX XXXX to pay the cash reserve truist took payment anyway out of account I called emailed numerous times yesterday kept getting run around after the agent stated the XXXX  days was not up till XXXXXXXX XXXX XXXX  XXXX dollars plus overdrafts fees I was lied to that was my husband XXXX treatment money
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Monterey Financial Services LLC (CA)

XXXX XXXX XXXX XXXX XXXX I have requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it for XXXX XXXX. ) Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), You have no legal right or juridiction obtained by me to collect on this account.

I demand Proof that the Statute of Limitations has not expired on this account. 

I hereby request that the accounts be deleted.
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have loans with Sallie Mae/Navient for over 20 years and still have active loans with them. During these XXXX years, especially early on, XXXX gave me really bad advice when I asked a way to lower my monthly payments. They recommended I consolidate all my loans back then under XXXX big sallie mae loan and then defer, which i did because I couldn't afford my student loans. Once consolidated, there was nothing I could do to i.e. pay off a smaller portion. That went on a for a while. No other alternative was provided and since the loans were consolidated, the interest rates and penalties have been crazy. I called them not too long ago and asked if I could make a payment towards principle to reduce my monthly amount and they said I couldnt do that either unless I chose to refi the entire loan again. The monthly amounts have been so exorbitant for so long even when i was much younger and a mom. I have been paying my loans consistently and for a long time, but I wish I had never listened to them when I was younger.