davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IL)

Subject : Complaint against Sequium Asset Solutions- Violation of Consumer Rights Dear Sir/Madam, I am writing to file a formal complaint against Sequium Asset Solutions , a debt collector, for their violation of my protected consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I noticed an unauthorized collection entry on my consumer credit report from Sequium Asset Solutions. To my dismay, I have not received any prior notice or correspondence from Sequium Asset Solutions regarding an alleged debt. This lack of communication deprived me of the opportunity to dispute the debt within the given time frame, as required by the FDCPA. 

The FDCPA explicitly mandates that debt collectors must send consumers a written validation notice within five days of their initial communication, detailing the amount owed and the creditor 's identity. However, I have received no such communication from Sequium Asset Solutions.

I firmly believe that Sequium Asset Solutions has failed to adhere to the guidelines set forth by the FDCPA, which are in place to protect consumers from unfair debt collection practices. This not only constitutes a breach of my rights but has also caused undue stress and XXXX  due to the unjustified entry on my credit report. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions against Sequium Asset Solutions. I seek redress for the damages caused, and I hope that your intervention will result in a prompt resolution to this issue. 

I eagerly anticipate your response and appreciate your attention to this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX my rights have been violated according to the law : 15 USC 1681 sec 602 a I HAVE A RIGHT TO PRIVACY and don't want these transactions and experiences reported from this account unless the negatives are taken off! 

15 USC 1681 604 sec 2 the can not furnish this report without my consent 15 usc 166b my transactions or experiences can NOT be reported as LATE 15 usc 1681 A 2 a1 according to the law transactions and experiences are NOT INCLUDED IN THE CONSUMER REPORT also most importantly MY INFROMATION SHOULD BE ACCURATE and FAIR.. i have inaccurate information from this account which has effected my future of obtaining a home and a vehicle i have proof of inconsistencies and the law that is broken by this inaccurate information reported on my credit report
Consumer complaint received 2023-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UMB FINANCIAL CORPORATION (PA)

This is a continuation of the following complaint from XXXX on XX/XX/XXXX Date of Last Balance Reported Update Amount Amount Past Due Date of Last Payment Actual Payment Scheduled Payment Date of 1st Date of Last Date Maj Del. Charge Off Amount Amount Delinquency Activity 1st Rptd Amount Deferred Pay Balloon Pay Start Date Amount Balloon Pay Date Date Closed XX/XX/XXXX {$5400.00} {$5400.00} XX/XX/XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Credit Card Individual Account 1. The creditor is manipulating dates on the credit bureau so that it will stay on longer. 

2. I am requesting Historical Data ( Payments Date and Amount 3. I have not made any payments since XXXX because XXXX sent the account to XXXX XXXX XXXXThe terms and conditions were not Honor by XXXX XXXX XXXX XXXX XXXX 
XXXX advise that thee was nothing that could be done, XXXX XXXX was responsible
Consumer complaint received 2023-08-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (DC)

I paid an account with Truist via their online portal for the full amount on XX/XX/23 for {$2700.00}. SunTrust did not process my payment timely. I called SunTrust on XX/XX/23, concerned that my XXXX payment wasn't processed as made XX/XX/23 the next business day of XX/XX/23. 

I called in the payment to a representative since the payment portal would not take my monthly payment. The XXXX payment was submitted to a representative who did not see my account ending in XXXX on her system. The monthly payment was confirmed on XX/XX/23 with transaction # XXXX. 

I did not get an email notification of the error payment made by Truist for {$380.00} or the actual payment I authorized on XX/XX/23 of {$2700.00}. 

The Truits online payment portal is malfunctioning, processed payments that are not authorized {$380.00} ), and it does and did not notify me of payment in time to correct and make sure there is no late payment.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Ensuring punctual payments on this account has always been my priority, ensuring they are never overdue. I'm puzzled by the late payment remarks on my accounts and believe corrections should be made under 15 USC 1666b - Billing Error.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/XXXX my income tax refund check was deposited into my chime account at XXXX about XXXX XXXX XXXX two separate unauthorized transactions were made in the amounts of {$2400.00} and {$1600.00} to the USPS XXXX I noticed that my account was hacked into cause I gotten a email stating my phone number was changed and I was at work at the time this happened. When I got off at XXXX and by the time I got to a ATM machine to try and get funds off my account I couldn't. That is when I noticed that my account was drained. I immediately called Chime and I also filed a police report also. I told Chime that my entire income tax check was stolen. I had to go through a long process of getting back into my chime account just to see what was all taken. I have been trying to dispute the two transactions for over a month now. Trying to get my money back. Please help me please. Chime is not wanting to give me my money back. I have several witness and a police report. This will be the 3rd time disputing the transactions.
Consumer complaint received 2020-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (IA)

To Whom It May Concern, Please may I request your help? I had a checking account opened with the Bank of the West for the last year, given the fact that it was the only national banking institution in a very small town in Iowa. When purchasing a home in the area, I was instructed by the XXXX XXXX XXXX to instruct my bank to set-up an ACH withdrawal monthly, to ensure the payment was made on time. Upon doing so, I personally went into the bank on XX/XX/XXXX and spoke with a teller directly. I specifically put in a telephone call, when in the bank to clarify my routing and account number with XXXX XXXX.The teller representing Bank of the West. The teller argued that the XXXX XXXX XXXX had the wrong routing number and insisted that the number that she relayed was correct. The payment never posted to my account and I was reported 30 days late to all three credit agencies. Company policy with XXXX XXXX is that if a payment is returned, they will not attempt the next monthly payment, therefore reporting a 60-day late notice to all three bureaus again. I was not aware of this until after the fact. I immediately contacted the Bank of the West and they claimed that the fault was placed on XXXX XXXX. I consistently telephoned the company daily until I finally spoke with the one supervisor named XXXX, employee number ( XXXX ) representing XXXX XXXX. I was again informed that a third attempt had been made to the Bank of the West for the month of XX/XX/XXXX that again had been returned. This now has resulted in placing my credit in deep jeopardy. I personally went into the Bank of the West again to ask them to research exactly why these payments were returned. They again placed the fault on XXXX XXXX XXXX and denied me any further help. The supervisor XXXX ( XXXX ) representing XXXX XXXX, Telephoned me back after researching the exact telephone call that had been placed by me initially ; from the Bank of the West to establish the ACH withdrawal. There is a taped recording timed at XXXX XX/XX/XXXX. The teller representing Bank of the West clearly stated the wrong routing number. Please I ask you to help me with this very serious error on the part of the bank. The fault is completely theirs and my credit has been devastated by this massive mistake. Thank you, very sincerely.
Consumer complaint received 2024-03-12
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. (FL)

Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Account name XXXX XXXX Account number XXXX Corporate card, I had an employee card working at XXXX XXXX XXXX the company since than closed and XXXX XXXX XXXX is saying that i am the primary card holder when i never agreed or signed to anything like that! 

More than 10 employees had a card to use for various reasons such as gas hotel etc...
Consumer complaint received 2023-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My XXXX certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Request To Review Denied Claims Dear Dear XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXX  regarding the numerous disputed transactions that were filed on my Bank of America account ending in XXXX. While I appreciate you providing a detailed summary of the claims and their respective statuses, I find your uneven approvals and denials of these claims to be highly perplexing. 
As evidenced by the subject matter and timing of these charges, it is abundantly clear that they originate from the same fraudulent scheme perpetrated by an unknown third party without my consent. However, your decision to approve certain claims ( XXXX, XXXX ) while denying the majority of others appears inconsistent at best and contradictory at worst. 
If you had investigated the claims thoroughly, you would have undoubtedly reached the conclusion that these charges lack merit across the board. I am hard pressed to comprehend why approvals were granted for some and not others, when they clearly exhibit the same indicators of fraud according to my account history and your documentation. 
This arbitrary cherry-picking of disputes to approve casts serious doubt on the rigor of your investigative process. I request that Bank of America undertake a comprehensive review of ALL submitted claims with greater scrutiny and care before reaching determinations. Moving forward, I expect that my disputes will be evaluated fairly based on their individual merits, not on vague assumptions or internal policies that fail to account for nuances in fraud patterns. 
Additionally, please provide a detailed, point-by-point explanation for why each claim was approved or denied. I believe I am entitled to understand the rationale behind these decisions that directly affected my finances and livelihood. Anything less would be a disservice to your customers who trust you to thoroughly investigate fraud and reimburse them accordingly. 
I look forward to receiving your response to address these inconsistencies and provide next steps. Please feel free to contact me if any additional information is required from my end. As the victim of an apparent scam, I hope you can understand my position and desire for fair treatment and transparency from my financial institution. 
Thank you in advance for your cooperation and understanding.Sincerely, XXXX XXXX
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Chase deleted an ACH external account that I transfer money due to fraud risk ; However after instructing them to add the specific account they have failed to show any effort to initiate the addition - No proof of micro deposit provided to client. 
- No communication between Chase and XXXX XXXX - No information exchange between Payment team and Technology team trouble shooting the info. Instead they are asking the client to provide more screenshots ( already provided screenshot of online error message )
Consumer complaint received 2023-01-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-13
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. (CA)

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.
Consumer complaint received 2024-04-23
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: Conn's, Inc. (AL)

I FILED A POLICE REPORT AND IDENITY THEFT REPORT AND SENT TO A COMPANY CALLED CONNS APPLIANCE. I LIVE IN XXXX AND THIS OCCURED IN XXXXXXXX XXXX. I HAVE NOT RECEIVED ANY GOODS OR GAIN ANYTHING FROM THIS COMPANY AND THEY REFUSE TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

This company reported to my credit a debt that doesnt not belong to me. I never received a bill. Based off the report the debt was sold however it does not belong to me. I did not use these services and they refuse to report correctly. I never received a notice or any documentation.
Consumer complaint received 2023-06-20
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: Convergent Resources, Inc. (CA)

i noticed my credit had a hard inquiry on it for an outstanding balance of XXXX dollars for the company XXXX i went to the police station and filed the report i would like this account removed from my credit
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX continues to report false credit reporting on and account they is not considered credit transaction history, the account was recently removed for violation of permissible purpose but then reappeared only on XXXX. No authorization or written consent was give to furnish private source data information by either party. Violation of permissible purpose
Consumer complaint received 2023-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: MOUNTAIN WEST FINANCIAL, INC. (AZ)

XXXX This is again for the same loan with XXXX XXXX XXXX and the same issue. I made a prepayment which should have been applied to XXXX 's mortgage payment and the applied it to principal. I attempted to contact them multiple ways ( as always ) through chat, secure messaging and phone calls. I finally spoke with someone yesterday who said that she would take care of it but said that she could not get it to show up, while we were on the phone and asked me to give it XXXX hours for the website to update. It has not been a full XXXX hours but I am sure it will not be changed in the next couple hours, as this is their pattern ( they say that they are fixing something and to give them time to update ) and it is never done.
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints multiple times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Transunion has not acted in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I need these accounts blocked/removed from my credit file per FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX