davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I DO NOT ACKNOWLEDGE THESE INQUIRIES XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX
Consumer complaint received 2024-05-25
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC (OK)

My loan is owned by CITI and they have XXXX servicing the loan. For the past XXXX years I have sent in certified check to make the payments to keep records of it and each month the payment amount changes. I have been sent a statement of what the insurance or tax will be and sent that check in also only to keep getting different payment amounts. I need someone to please get involved to see that this is not right. Please help me. Please contact for any information that you may need.
Consumer complaint received 2024-01-29
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. (CA)

I am the XXXX of my father 's estate. Rushmore Loan Management ( RLM ) recently transferred this mortgage to Rushmore Servicing ( RS ). RLM processed the order in a timely manner and I was able to do what I needed to do to make sure the loan was in good standing as I am required to do as XXXX. 

RS first claimed that I was not anywhere on the loan at all despite their own invoices listing me in the c/o ( care of ) line. They then said that they can only speak to XXXX XXXX, or my last name as my first name and my middle name as my last name. 

I then submitted the same court order to RS that I sent to RLM and they never processed the new paperwork. Every time I try to call I am hung up on when sent over to their XXXX XXXX Department.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX amount of XXXX under the account XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX under the account number XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX under the account number XXXX XXXX XXXXXXXX in the amount of XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Consumer complaint received 2024-01-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

I took out financing for home appliances through a website named " XXXX XXXX '' in late XXXX. The financing was apparently through COMENITY bank and I never received anything in the mail or in email about setting an account up online. So when first payment became due they'd called me to collect and had to set up XXXX payments with my authorization. In late XXXX of XXXX I experienced fraud on my bank account and so XXXX  XXXX XXXX shut down the account and opened a new one which then meant my accounts all needed payment info updated. Being that my payment due in XXXX wasn't going to come out of the account i called in early XXXX  just before being 30 days late and i submitted XXXX payments and the agent apologized for what i was experiencing, told me not to worry she'd authorize XXXX more payments with the new account. 

After the next XXXX payments went through i called Comenity again in XXXX of XXXX and the agent informed me my account had been put into collections for XXXX consecutive late payments. I was dumbfounded because it was a Comenity agent who'd scheduled the payments to be charged and they'd been paid from my account. The agent said payments were due on the XXXX of each month and i'd been paying on the XXXX. I said I gave her authorization to charge the account and it was their fault if she intentionally scheduled me to be late. 

I told her i would need to speak to someone before i began making payments again because i was not about to allow them to destroy my credit over their own malicious actions. I next spoke to them in XXXX when i called in to figure out if they were putting this on my credit. They told me no they were not but are now jacking my interest from 0 % to 27 % making it so my original balance of XXXX is now up to XXXX even though i've paid more than XXXX to the account. I'll pay the remaining XXXX due in a heart beat to get them out of my lives. Ive requested the ability to set up auto pay at least 5 times and never received the credit card i was told i needed to do so. These people are predators, they intentionally set me up to be slammed with insane interest based on their own predatory actions.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (TN)

In a period between XX/XX/XXXX and XX/XX/XXXX, Truist bank charged me more than {$540.00} in overdraft and returned item fees that need to be returned to me. 
On XX/XX/XXXX, a company incorrectly initatied a ach debit out of my Business checking account ending in XXXX of {$2000.00}. I did not authorize this debit and since I did not even have that amount in my Truist account, Truist should have not paid the charge and declined it. I have never authorized Truist to make my account go into the negative. I was charged a {$36.00} overdraft fee for this. 
The real problem began on XXXX, when I made other purchases with my Truist debit card. Truist did not notify me that my account was overdrawn and approved all of these charges when I made them. They then proceeded to return all the charges and charged me XXXX returned item fees of {$36.00} each. I was only notified of the issue AFTER all these charges were initally approved by Truist and then returned. None of these transactions would have put my account overdrawn if Truist had not approved the first {$2000.00} transaction that made my account go negative. 
WHY would Truist continue to approve charges only to turn around and return them and charge me {$36.00} for each returned transaction?? This is absolute robbery!
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of trafficking and I submitted a self declaration which was notarized back in XXXX then I was told that was sufficient enough and last week my case worker supervisor gave her the letter to use and once again I am being told thats not sufficient enough my case worker signed it what more do you need. I want this documented because I want my daughter to be able to sue XXXX my address is on the internet so I need to move asap and I cant do that because they keep rejecting my documents
Consumer complaint received 2023-11-10
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. (SC)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

Between XX/XX/XXXX and XX/XX/2024, fraudsters contacted me via Citibanks 's legitimate alerts thread telling me fraudulent activity had been detected on my debit card and that I should be expecting a call. I should press 1 for yes 2 for NO, just like the bank has legitimately asked me to do in the past with no issues. I spoke to a woman named XXXX and she told me that three illegal payments of XXXX dollars were scheduled out of my account via XXXX -- the XXXX XXXX XXXX  endorsed and used by the bank on its site and mobile app. She talked me through how to stop the payments from going out but it turned out that I was being groomed to in fact remove the money from my account via XXXX She pretended I was refunding myself. on XX/XX/XXXX I was alerted again that another amount of XXXX dollars was attempted to be debited from my account but this time it was real and when I asked how much money I had in my checking and savings it was XXXX dollars. My account was cleaned out. Citibank says it is investigating and i have filed an official police report under XXXX. However, though the bank has recouped about XXXX dollars of fraudulent debits, they have yet to refund the XXXX that was taken via these fraudulent XXXX transfers and refuse to assure me they will. My account is frozen.
Consumer complaint received 2024-01-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (TX)

I realized I had not received the title for my XXXX XXXX XXXX recently when I thought about selling it, the lein was paid off in XX/XX/XXXX. I reached out to Santander on XX/XX/XXXX, who was the financing company I made the payments to inquiring why I hadn't received my title. They informed me it had already been released that I just needed to go the the DMV and ask for my title. On Monday, XX/XX/XXXX, I went to the DMV who then informed me that there was still a lein on the vehicle and that I needed to contact the financing company that had the lein. I contact Santander on XX/XX/XXXX again and informed them of what the DMV had advised, they said it was an error on the DMV part, that they would however, email me the release of lein in 72 hours and that I would receive a paper version in 5 to 7 business day. As I hadn't received anything via email, I contacted the DMV again today XX/XX/XXXX, to check on the lein and advised them that I was told it was an error on their behalf as to my vehicle still having a lein. The DMV then informed that it was not an error on their behalf, a paper copy of the title had actually been mailed to the finance company in XXXX, and should have been mailed to me when I paid off the vehicle. I then contacted Santander again and was told again that they would email me a release of lein letter in 48 hours and mail me the same letter to be received in 3 business days. I feel I am getting the runaround as they continue to give blame to the DMV and just keep extending the days for when I am going to receive the release of lein letter either by email or mail. I have yet to receive that. As for the paper copy of the title the DMV mailed them, they just said they did not mail out paper titles, everything was done electronically via the DMV or they mailed a release of lein letter. Neither has happened in my case, again this was on a vehicle paid off in XXXX, it should not be taking these many calls to get my title to my vehicle or the release of lein. 

Thank you, XXXX XXXX
Consumer complaint received 2024-05-16
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. (NJ)

On XX/XX/year> per Certified mail # XXXX a letter requesting that the company claiming that there's a debt owed validate such claims. I requested the company to provide any information to prove such claims with as well as calls to follow up in XXXX to absolutely no avail.
Consumer complaint received 2024-01-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (UT)

Between XXXX and XXXX I rented a room. I then moved from the address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX. A couple of years after I got a call from a collection agency called TransWorld Services stating I had a collection for a XXXX XXXX  account that I never opened. I was informed that the account closed on XX/XX/XXXX. I tried to explain to the collector it was not my account that I had moved out months earlier and that someone in the house where I rented a room, might have opened the account under my name since I had not lived at that address for over one year, and had received calls from other collection agencies claiming that I had balances owing. Even after disputing the account Transworld would not remove it from my credit. I ended up paying for a service that I never opened. I am requesting your assistance to have this negative reporting be removed from my credit since it is not accurate reporting as it has been stated to Transworld for years.
Consumer complaint received 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (GA)

Against my better judgement I went to TitleMax that was located in my current residential location at the time in XXXX, Ga. Went through the entire process even as far as electronically initialing loan documents for the pawn and giving them my title to be told I was approved for the original amount of {$1200.00}. The approval amount was to be posted in my bank account after completion and submission of all required documentation electronically instead of doing an payout in cash. After not receiving the approved amount I reached out the following business day to ask what the delay was to be told by the representative that their system had been having issues causing payment delays but to be expecting my payment by the end of the business day. However the following business day after speaking with representative on the phone I received a letter IN THE MAIL stating my application was declined do to not completing my application for credit amount my title was approved for. Therefore they didnt submit any documentation which was the reason why I never received my payment and still kept my title an said I had to pay something back I never received. Also trying to repossess a vehicle that they never paid out the pawn for.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

To Whom It May Concern : I recently received a copy of my credit report. The credit report showed unfair credits acts by companies. Will you please provide me with proof of you being able to display my private transaction history on my credit report. Privacy Act Of 1974 it is illegal to report transition history on your credit report because it is making it very difficult for me to acquire credit. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I want to be compensated for the violations {$1000.00} per violation and Pain And Suffering, Humiliation. 

I've listed the companies name Thanking you in advance, XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (TX)

In XXXX, I attended a XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX was a vendor, and offered " us '' an incentive to sign up for alarm services. I did, and Fortiva ( Alanticus ) financed the equipment costs, and subsequently issued me a " Fortiva '' card. 

When I attempted to pay my XXXX monthly bill, I could not because the {$640.00} balance was paid on XX/XX/XXXX. Since I did " not '' pay the bill, I spoke to a representative who informed me that Fortiva ( a ) transferred the balance to a XXXX Credit Card because of my great credit and ( b ) had earlier sent me an email offer with 45 days to decline. I never received an email from Fortiva. My method of communication with the company has always been by phone or my mailed statement. Furthermore, how can Fortiva issue me a card " without my approval '' given that all three of my credit files ( XXXX, XXXX, and XXXX ) accounts are " locked '' and " frozen. '' I am XXXX XXXX XXXX, and Fortiva 's action is predatory. I have choices, and if I wanted a Visa card or any credit card, I am capable of applying. Fortiva 's actions impact my credit score, and I have already received an alert that a new credit card has been added to my account. And for the record, I have " not '' received the XXXX credit card they allegedly sent. Although I filed a complaint with the Georgia 's Attorney General 's Office and with Georgia 's Department of Banking and Finance, their systems did not generate a confirmation email receipt of my complaint. Consequently, I am submitting this to you with hopes that you can help me. This is so frustrating!
Consumer complaint received 2024-05-25
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (TN)

This complaint is to dispute the debt you are trying to collect and stop threats, by your company, to damage my reputation and credit report. 

I would like to start by noticing you that a persons private educational information is protected under the Educational Rights and Privacy Act. Repoting my private information to consumer reporting agencies will be a violation of that act, the Grimm-Bailey-Lynn Act XXXX and Regulation P of the Code of Federal Regulations - Privacy of Consumer Financial Information. You have not provided the disclosure required by Federal Law and do not have authorization from me to share any of my information. 

Under the Fair Debt Collections Practices Act ( 15 USC 1692g ( a ) ( 4 ) ) - A debt must be verified upon dispute. Verification must be done an Oath or Affirmation under the penalty of perjury or by providing a judgment against the consumer. A copy of an instrument does not verify that you have legal standing to enforce anything, provide a sworn statement to the validity of the alleged debt. 

Threatening to disclose private protected information about a consumers education and finances is a violation of my right to privacy and of 15 USC 1692e. Trying to deceive me into believing that you have some type of lawful authority to collect this debt or to share my information is unfair and deceptive practice and can be view as restraint of trade. 

See attached documents for a list of the violation and for a invoice of the fees charged for these violation.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (IL)

I am writing this complaint to XXXX XXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXXThe FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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.

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.