davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

These people common wealth say I owe them XXXX $ when I have no idea for what, they have tarnished my name and credit and need immediate action to solve this dilemma, I appreciate your help and look forward to referring your business to my friends and family for years to come.
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kansas Counselors, Inc. (KS)

I wrote to KS Counselors requesting validation of an alleged debt under 15 USC 1692, after learning that theyre reporting such to the credit bureaus. I sent the request certified mail, return receipt requested ( see letters, receipts attached ). They received my initial request and failed to respond in a timely manner. I sent them notice stating that their failure to respond was a violation of federal law and they had a duty to cease reporting of alleged debt. Theyve received said notice and still continue reporting.
Consumer complaint received 2023-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WY)

My initial complaint was the following : I signed up for auto payment, which I had set up to pay the previous statement balance on the date due. My previous statement balance was {$1200.00}, and was due on XX/XX/23. I decided to manually pay it a few days prior, and on XX/XX/23, the full payment of {$1200.00} posted to my account, and the auto payment should have been cancelled. Auto payment did not successfully cancel, and they tried to take it out of my account again on the XXXX, but was returned because I had already made the payment, and I was hit with a {$30.00} return check fee. I contacted customer service right away, and they said I would get a refund for that fee, since auto payment should not have tried to go through. I waited a few days, and after not seeing a refund, I contacted them again, and this time I was told I needed to wait for it to be posted to my statement before I could get the refund. So I waited an entire month, and as soon as it posted to my statement, I reached out again, but this time I am told its a valid fee, and it will not be refunded. This was a mistake on their end since auto payment should not have gone through. I received a response saying my request was declined due to me updating auto payment after making the initial payment, and that an email was sent confirming I made an update for the auto payment to go through. Please provide a copy of this email, because I have no record of it, nor did I update autopay. The only update to autopay I made was to cancel it, because of this.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (IL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
5. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-04-29
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (IN)

I have been off from work since XX/XX/XXXX due to covid 19 I contacted my finance company bridgecrest to shut down my auto pay I had set up because I knew I wasnt getting anymore checks from my job and I had to file for unemployment the day before I called them they had just taken a payment my payment is due every two weeks I explained to the lady that I didnt have an exact date that I could make a payment because I had to wait for unemployment to start up she said ok 3 days later I receive a call asking me did I come up with the money or date I can pay even when the account was not even pass due yet. There after I have received a call from this company everyday harassing me about a payment I finally just received my unemployment this week I made a payment so Im 1 payment behind they called 3 times in one day pressuring me to make another payment. This company has no empathy for whats going on in this world they are bullies who are stressing people out more than they already are by calling them multiple times per day demanding payments that some of us just cant make at this time. They even threatened repossession on a few people and I think it is ridiculous and they should be stopped i have enough stress right trying to pay rent and all my other bills and they act as if they are the only important bill that needs to be paid no sympathy at all their agents are rude and absurd.
Consumer complaint received 2023-06-07
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. (CA)

I received my credit report on XX/XX/2023, and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY (GA)

Please make all correspondence in writing. Phone calls will not be permitted in this legal matter. 

On XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX XXXX XXXX dba TD BANK GROUP AND/OR TD BANK N.A . AND/OR TD AUTO FINANCE. 

Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank and/or sold over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate. 

On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXXPrincipal gave first notice along with POWER OF ATTORNEY instructing CFO XXXX XXXX  XXXX XXXX that I accept all Titles XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( Payoff sheet ) offered to me. 

I have given XXXX XXXX XXXX XXXX business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff. I was then met with a dishonorable bill in the mail after I've already paid the bill according to Federal Reserve Act Section 16 and the Bills of Exchange Act. 

Since then I have sent out 3 notices ( 3 tiers ) totaling nearly 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have them assessed before I moved forward. 

They're in Breach of Contract for inferior performance of their fiduciary duties. At this point they're in the know ; of this breach and I would consider their actions to be scienter. 

The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the federal reserve notes and am being extorted for extra monthly payments and interest on top of what I have already gave them
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I was a XXXX XXXX  customer who over this last weekend had their account shifted over to US Bank due to the merger. When I finally set up my US Bank portal, I noticed money missing from my account. After researching, I discovered at least 5, possibly more, duplicate pending charges. Contacted the US Bank customer service and was told that they were aware of the issue, but it's " not their fault '' and it's going to be resolved by the end of the business day. The customer service insisted that the five completely different charges by five different companies were doubled during the transition due to an error on the five different companies end. They said that there was nothing US Bank could do as it wasn't their fault, but somehow it would be resolved by end of business day today. If it's not US Bank 's fault, how can US Bank claim that it will be fixed by the end of the day? I don't appreciate being lied to and currently have a bank account that is overdrawn because of this problem. Waiting until the end of the business day is not an acceptable solution when I have bills to pay!
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MD)

After the pandemic, coming out of the 15 months forbearance plan, our original lender ( XXXX XXXX ) offered us a new loan modification plan with low interest rate. We've completed the TPP program and was going to move forward with the new mortgage rate / plan. However, the contract they sent us at the end had an error on it and we kept asking them to fix or explain. After months of going back and forth they finally admitted the mistake but rejected the modification application due to being behind on payments, which after the initial TPP was blocked by XXXX XXXX itself, while they were investigating the matter. 
At the end they suggested to re-apply and promised that the original offer would be honored. A few days later XXXX XXXX sold the mortgage to Selene, our new lender. 
Selene does not want to honor the terms originally offered by XXXX XXXX and to bring our account balance current and keep the original ( favorable ) mortgage rate, they want us to pay a one large payment of {$54000.00} or foreclose our home. We've been in this home since 2008 and have a XXXX XXXX XXXX daughter, so we can not afford to loose it. We've constantly asked them to give us a payment plan as we could pay some of the money back now, but have the flexibility to re-pay the balance. They reject all our offers and all this is happening because the previous lender made a mistake and did not follow up.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
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: Experian Information Solutions Inc. (LA)

I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I have repeatedly asked XXXX to process my ACH automatic payment transactions so they pull a month early. For example, pulling XXXX for the XXXX payment. They had been doing this for years, yet when I updated the extra principal payment to {$27.00} to round up the total monthly payment to {$2200.00} the entire ACH process has turned into a disaster, including for a separate property they have serviced ( chronicled in CFPB complaint XXXX ). However, my portal still shows that an ACH will not pull until XXXX for my XXXX payment ( screenshot attached ).
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION (TN)

I received multiple calls asking me for my personal information while the " company '' would not identify themself. Once I made it through confirming the number they called me on was mine XXXX XXXX, they informed me that I had a {$280.00} debt with Regions Bank. I have NEVER EVER ( and will NEVER ) have an account with Regions bank. Once I found out about this debt, the person on the phone " later identified as XXXX XXXX XXXX  '' rattled off a street address that this account was associated. I asked for this information as to what address again and what state that was in since the name was never where I lived. They directed me to talk to Regions Bank. 

I called Regions Bank and tried to get them to give me the address of what this supposed address was ..AFTER I provided my name, phone number, ... and account number ( XXXX ) that was provided to me by XXXX XXXX XXXX XXXX Regions Bank would not give me the address. 

Regions Bank then instructed me to go to their Regions Bank website and fill out a Fraud report! There is NO WAY I would supply Regions Bank with my SSN, address, etc. after they allowed someone to open an account in my name. 

I want Regions Bank held accountable for the supposed debt of {$280.00}. I want Regions Bank and their Debt Collectors to stop calling me about something Regions Bank screwed up. I want any and all information that Regions Bank and XXXX XXXX XXXX obtained with and/or without my consent to be removed from their system. I want my credit score to not be impacted by Regions Bank 's mess. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On Friday XX/XX/2023 I deposited {$900.00} cash in the US Bank ATM on XXXX XXXX in XXXX California. I filed a dispute immediately inside the bank. The bank manager responded be stating I would be credited by the following business day. I have not yet been credited. I contacted US Bank customer service almost every day. At first they told me to check the next day, then they told it would be ten days before they would credit me. Then after ten days they told me it would be ten business days ( excluding weekends, and holidays ). Now they are telling me it could be up to 45 day before they credit my account. I am a XXXX XXXX, I needed that money to pay my bills and am afraid my utilities may be shut off please help. Thank you.
Consumer complaint received 2023-05-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Subject : Issue with deposit Dear XXXX, I am writing to you with reference to an issue that I am facing regarding my recent deposit to my checking account. On XX/XX/2023 at XXXX pm, I made a deposit of {$2000.00} on a Chase ATM machine. However, I regret to inform you that the amount of money that I deposited did not appear in my account. 

As soon as I noticed the discrepancy, I contacted the Chase customer service representative immediately. I was informed that the matter will be investigated, and I was assured that it will be resolved at the earliest convenience. 

Nonetheless, to ensure that the problem is being addressed at the highest priority, I am writing this letter to report the incident and seek your assistance. The deposit amount is significant, and I am worried that the matter might not receive the due attention. 

Moreover, to increase the chances of resolving the issue, I am reporting the matter to XXXX as well. I hope that XXXX intervention will help expedite the investigation process. 

I have been a long-time customer of Chase Bank XXXX and this is the first time I am facing such an issue. I wish to state that I have always been satisfied with the banking services provided by their bank. I request you to kindly look into the matter and keep me informed of the progress made in this regard. 


Thank you for your time and attention. I look forward to hearing from you soon.
Consumer complaint received 2022-11-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (DC)

On XX/XX/22, I filled out an application for a consumer credit transaction of {$30000.00}. Discover decided to discriminate against me for exercising my rights in good faith as a consumer by sending me an adverse action letter. Thus denying me credit. Discover received my credit card information and i received no benefit from the transaction. Discover has violated my rights.
Consumer complaint received 2022-11-22
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. (CA)

I have a XXXX XXXX credit card that was paid off. There was an automatic payment assigned to it that should not have been. The card was being charged without my knowledge and the automatic payment of the balance of the credit card did not work properly due to an error with my checking account from another bank. I received a notice on my credit card of a delinquent payment via Experian. I immediately called and spoke with XXXX XXXX they stated if I paid it in full while on the call the late payment would be removed from my credit report. I did what they said. The credit bureau is refusing to remove the late payment per the request of XXXX XXXX. As this was a combination of errors on the company that was charging me and the automatic payment to XXXX XXXX this late payment shall be removed from my credit report. I have XXXX years of never missing a payment and this now causes challenges for something that I was unaware of and outside of my control. I had also moved so all notifications via mail never made it to my current address. It was not until I looked at my credit report I was made aware of the issue.
Consumer complaint received 2023-06-11
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: EQUIFAX, INC. (FL)

I am a natural person, i am a living human be

ing, I have right under 15 usc 1681. Equifax is govern by 15 usc 1681. And they violated my right numerous of times. I demand listed below to be removed because According to 15 usc 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Collection Agency XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX