davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. XXXX XXXX, Bank Of America, XXXX XXXX.
Consumer complaint received 2021-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

In XXXX and XXXX of XXXX, I forwarded validation of debt letters to the credit bureaus regarding an unverified debt on my credit report. Upon receiving a letter from the credit bureaus that the debt was " verified '' by the creditor, I forwarded a certified validation letter to AD Astra Recovery Services in XX/XX/XXXX and a second certified letter on XX/XX/XXXX. AD Astra Recovery Service has failed to validate this debt on my credit report that has been reporting for more than 4 years ; which violates the statute of limitations law in Texas in which a debt can appear on your credit report. I have tried to reach out to the debt collector multiple times with no response received. I demand that AD Astra Recovery Services delete this erroneous account from my credit report ASAP.
Consumer complaint received 2021-08-02
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me, please check them. 

. Identity Theft NISSAN-INFINITI LT Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. XXXX XXXX, XXXX  XXXX XXXX, Capital One.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

Cancelled in XX/XX/2021. Paid off the last of the fees. Residual balance from interest that was paid but then they added the annual fee after cancellation in XXXX. Called and said I'd pay the residual interest around {$80.00} which was paid and they were supposed to cancel the fee and the late fee because these were applied after cancellation. First call was in XXXX about cancellation and late fees. {$84.00}. In XXXX, I called about regarding the late fees applied after cancellation and confirmation of cancellation. I called citi who then transferred to a supervisor at Citi who then transferred to an XXXX XXXX agent who then transferred me to a third party of citi bank based in XXXX but that third party was never identified. I filed two disputes because these charges affected my credit report, but to no avail. The latest dispute was filed on XX/XX/2021 to correct my credit report and reflect the account closure in XXXX and no late payments or fees were legally applied since they were after account closure.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (GA)

Everytime I apply for a credit card with my bank Truist bank they claim that they can not verify my identity. 

This is impossible because they have a tool that already puts my personal information into the application fields for me after I sign in. 

If they already have my personal information on file, then how can they not verify my identity? 

Also, when I apply for any business product, the application says that my business is too risky - meaning that Truist bank has the wrong NAICS code for what my business is, which is harmful to my ability to acquire credit.
Consumer complaint received 2021-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NJ)

Me XXXX XXXX XXXX XXXX and my daughter ( XXXX XXXX XXXX s state taxes have been intercepted by XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX collection agency, Financial Asset Management Systems INC ( FAMS ), addressed at XXXX XXXX, XXXX, GA XXXX # XXXX. The year of XXXX, XXXX XXXX started making {$25.00} payments and was able to get the original bill amount of {$1800.00} down to XXXX. XXXX XXXX then paid the remainder balance of {$1200.00} on XX/XX/XXXX because FAMS stated that we would receive all back pay of State Taxes they confiscated from both of us. We never received anything. This as been a long drawn out process that should have never happened. Theres also 2 different account numbers on one account which shouldnt be. Acct # XXXX ( {$1800.00} ) and Acct # XXXX ( {$1200.00} ). We both are due a refund because they have been overpaid. Please help. Thank you in advance. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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: Credence Resource Management, LLC (NV)

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 2021-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (MO)

MediCredit was paid in XX/XX/XXXX on a medical debt. MediCredit was credit reporting the debt and during the conversation for payment of the debt, I requested that it be deleted from my credit report. Additionally, pursuant to the update to FCRA any paid or settled medical debt should be removed from the credit bureau, not just updated as paid.

Since the debt was paid, any reporting of the medical debt should be removed from being reported to any credit reporting agency pursuant to S. 3351 ( 115th ) : Medical Debt Relief Act of 2018.
Consumer complaint received 2021-08-09
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. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 650 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

My mortgage loan with Specialized Loan Servicing, LLC was paid off in XX/XX/2021. On XX/XX/2021, Specialized Loan Servicing, LLC notified me that release of mortgage would be sent to the county recorder 's office. On XX/XX/2021, I contacted XXXX XXXX County where the property is located and was told they have not received mortgage release document. After that, I contacted Specialized Loan Servicing, LLC numerous times and opened two tickets, XXXX and XXXX. As of today, my issue has still not been solved. It is very frustrated and difficult to work wit

h Specialized Loan Servicing, LLC as their mortgage dept refused to take any direct inquiries and everything have to go through either front desk or opening ticket. It is almost three months since my loan was paid off and my communication with Specialized Loan Servicing, LLC yields no results. I have to request CFPB to step in to help me solve this issue. Thanks
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

The account is appearing on my credit report, i have disputed this account more than once. Once it was removed it was put back on my file with a different name. Its causing damage to my credit profile and the debt doesnt belong to me. 


XXXX XXXX XXXX # XXXX Account owner : Lvnv funding llc {$440.00}XX/XX/XXXX
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (TX)

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-08-09
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: TRUIST FINANCIAL CORPORATION (NY)

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft SUNTRUST BK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I was looking over my credit report and was very frustrated to find that there were a number of inquiries being falsely reported without my consent. The bureaus did me a major disservice by putting this inquiries on my report with any kind of verification that they were true and accurate. I did not give them permission to give away my information to the companies listed on the given dates and need this fixed.
Consumer complaint received 2021-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

I entered a payment plan in or around XX/XX/2020 at which time Wells Fargo advised me that entering the plan would be like bringing the loan current and they would stop reporting the loan as late on my credit report. While in the repayment plan covid happened and I then entered a forebearance. It's now time to exit the forebearance and Wells Fargo is taking away the best option for me which would be to have the missed payments placed on the back of the loan because they're saying I wasn't current at the time I entered the forebearance. I've tried explaining 2 things to Wells Fargo : 1. I was told the loan would be treated as current when I entered the forebearance and now to benefit them that doesn't apply anymore 2. It was never explained to me when I entered the forebearance that it would be more beneficial to me to complete the repayment plan before entering the forebearance. The servicer is acting in bad faith and using a questionable practice because they seem to have omitted information that would have allowed me to be in a better position to keep the home out of foreclosure.
Not a single person took 5 seconds to make me aware that if possible I should complete the 2 other payments that were left on my payment plan before entering the forebearance.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (MD)

XXXX XXXX  XXXX XXXX  XXXX  Equifax Account # XXXX XXXX XXXX The creditor name is STILL incomplete and I am not certain what the name of the creditor is? 
The account numbers are STILL truncated and they don't even match. 
The date of first delinquency is STILL incorrect. 
The date of last activity is STILL incorrect. 
The payment history is STILL reporting incorrectly.

This account has numerous inaccuracies and I fail to understand how it has been verified as accurate post investigation? Did you even investigate? If so, what was the process that you used? Who did you talk to? Was everything Metro2 compliant? I don't think so!
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NH)

On XX/XX/2021 I rec 'd a letter from ERC - Enhanced Recovery Company , LLC stating they were authorized to contact me by XXXX XXXX to get payment for a XXXX XXXX purchase for {$140.00}. They, too, threatened to report my account delinquent to the credit bureau. 
I called the number and it was a virtual response. All they wanted was my credit card. 

I wrote them back that I have never been a XXXX XXXX customer and to please submit the billing/documentation that shows an invoice for me before I report them to the FTC/XXXX for harassment. 
I sent the letter back certified mail with return receipt. 

Yesterday<XXXX> I rec 'd another letter, stating they were responding with a document that referenced my account. The letter was from XXXX XXXX, Sr. VP of Operations XXXX The person 's name is my name, but the address is a New Jersey address. NOT ME. 

Enhanced Recovery Company LLC XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I would like to make a complaint about SunTrust Mortgage ( now Truist ) On XX/XX/2021, I received notification that my mortgage with XXXX XXXX was being transferred to SunTrust Bank now Truist. ( Needless to say I did not request or wish this but it seems like as a consumer I have no say in who services my mortgage. ) The notification said to expect to hear form SunTrust about how to pay my loan. 

So I waited. Nothing in the mail. No welcome email ... in short, nothing at all from SunTrust now Truist ( can't they even settle on a name? ) Then today ( XX/XX/XXXX ) a curt email from SunTrust saying that oh, by the way, my payment was due on XX/XX/XXXX, and to pay by the XXXX " to avoid a late fee ''. This is despite the fact that according to XXXX, ( and from what I remember on previous times my loan has been sold ) that there is a 60-day period during which my payment can not be treated as late. 

I tried to set up my account online but I didn't know the new account number. I tried calling two numbers for SunTrust, including the one I got from XXXX Neither of them worked- I just got cut off. I tried texting from the web site. The conversation was ended XXXX by them ) as soon as it started. 

Finally, I called XXXX to get my SunTrust account number, set up an online account with SunTrust and made the payment without dealing with a person. ( Clearly, the aim of the website is to make it impossible to deal with a person. ) My anger is about how I ( and presumably others ) have been treated by SunTrust. This is an unacceptable way to treat new customers. At the very least I should have received a welcome letter either electronically or on paper. 

I also wish that it were possible for consumers to be consulted about who services their loans. I did not wish or request for my loan to be transferred in the first place.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently noticed inaccurate date reported to my credit profile with XXXX XXXX XXXX. Ive disputed this account with all 3 creditors. XXXX  noticed the inaccuracies and deleted this account off my credit. I am asking of the CFBP to demand that both bureaus ( XXXX  and Equifax ) do the same and acknowledge these inaccuracies as XXXX  did and delete this account off of my Profile.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

To whom it may concern : I wrote Calvary a letter in regards to this debt that does not belong to me for {$4200.00}. They have not responded back to me I need for this to be removed from my credit report. Please see attached documents
Consumer complaint received 2021-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Afterpay US Services, LLC (MD)

On XX/XX/2021 I filed a complaint and dispute with Afterpay US Services LLC, an international payment platform engaged in the " pay later service. '' Per their installment agreement complaints and disputes that arise out of or related to the agreement should be filed through XXXX. My complaint and dispute was in regards to a merchant that I placed an order with on XX/XX/2021. The payment method for the order was through Afterpay. In my compliant with Afterpay I noted that I had received a damaged order from the merchant and had reached out to the merchant for return instructions and a refund. However, the merchant failed to provide a return label. As a result, I was gong to have to pay {$76.00} on my payment due date of XX/XX/2021. On XX/XX/2021 I received a response from Afterpay stating, " your Afterpay payment plan remains in place, we are not able to adjust your payment schedule on the basis of longer than expected delivery. '' The response from Afterpay also failed to indicate if they attempted to reach out to the merchant for a response. It appears that was not done. On XX/XX/2021 I contacted Afterpay and indicated that the basis of my dispute was not due to " longer than expected delivery '' but had clearly indicated the merchant was failing to adhere to their return policy and did not honor the issuance of a return label. On XX/XX/2021 I received a response from the merchant that a return label would be sent to me on XX/XX/2021. Mysteriously this was the same date my installment payment was due. It appears the merchant deliberately stalled the issuance of a return label in order to fraudulently collect funds that were in dispute. As an international payment platform Afterpay does not provide a claim process in which consumers are allowed to file a complaint against a merchant. Having such a process would allow for an investigation and response from the merchant. Instead, consumers are forced to make payment and pay for goods they aren't keeping dispute evidence that merchants have failed to adhere to their return policy.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have reached out to Equifax to update my credit report showing all on time payments on my XXXX XXXX auto loan. On XX/XX/XXXX my report updated with late payment information which is 100 % inaccurate. My equifax report shows that I was 60 90 120 days late on my auto loan which is inaccurate. My report shows in XX/XX/XXXX I was on time then XXXX I was 60 days XXXX XXXX 90 days XXXX 120 days which is all inaccurate. I did not have any missed or late payments. Along with you are not possible to go from on time then to 60 days late within one month.