davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
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. (AL)

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

I bought a vehicle in XXXX. I moved to XXXX. This vehicle was financed by Citizens Bank. I have tried from the months of XXXX to XXXX of XXXX to get my bank to send my title to my local county clerk in order to transfer the vehicles registration from XXXX to XXXX 

The bank 's customer service at first sent the title to the wrong address and then failed to send it to the correct address or be helpful in any other way. The county clerk has never received the title. Calling the bank 's customer service never advances the issue or gets them to send the title to correct address or work with the county clerk. I have been hung up on multiple times.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report. 
NAME OF BANK BANK ACCOUNT ROUTING NUMBER DATE ACCOUNT CLOSED BANK OF AMERICA XXXX XXXX XX/XX/2020
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CT)

Hello, XXXX to XXXX i had my mortgage in forbearance for XXXX mos and was approved by Suntrust Mortgage XXXX I called Suntrust XX/XX/21 to discuss my options and i choose payment deferral, received a letter stating that my request is being processed and i shall receive in the mail specific documents in XXXX  days to sign and return according to instructions. I called Suntrust XX/XX/21 to follow up on these documents and was told again that is being processed and to wait and follow up if i didn't receive it. 
I called again Suntrust on XX/XX/21 to followup on the documents and this time i was told that i need to pay XXXX $ in order to receive these documents, the rep was not helpful was rude and aggressive, also said that the Suntrust doesn't send documentation to inform me of these " new changes '' they started a month ago. 
I strongly believe they are playing games and want to put my house in foreclosure. 
I did everything i was told and i followed up with phone calls regularly and i made payments until XX/XX/21 towards my escrow. 
I believe either Suntrust reps are incompetent or given directives to be nasty and recover as much money upfront. One certain thing is clear Suntrust is not helping me with this situation and no fault on my part.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The negative items are constantly reporting on my Credit Report. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX OF XXXX {$2600.00} XXXX {$2600.00} XXXX  XXXX {$1000.00} FST XXXX {$460.00} Date opened : XX/XX/XXXX FST XXXX {$860.00} Date opened : XX/XX/XXXX XXXX {$9200.00} Late Close : XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings (FL)

I applied to rent a unit at XXXX XXXX XXXX XXXX in XXXX XXXX, Florida. They took {$120.00} application fee from me. Then they denied me by sending me an adverse Action email sent by SafeRent Solutions. I applied to 4 other apartments by paying application fee and got denied from all of them. I spent nearly {$1500.00} for application fees last week. I called SafeRent Solutions and asked what the agent saw in my tenant screening. He said he saw only 2 charge off accounts as negative account. He said there was a pending dispute in one of them. I told him other one was already paid off. Due to this inaccurate information, I lost my hard earned money as application fees and I got denied of rental. Because of this inaccurate information in tenant screening, I can not get any apartment in Florida. I am left homeless. I have a XXXX XXXX  and I work very hard. I have a XXXX XXXX XXXX. And I'm left homeless because of third party tenant screening company. Tenant screening companies violate our basic right to have a shelter, a home. My constitutional right is violated. We are not XXXX XXXX but XXXX became just like XXXX. If your score is low or if there is a negative remark in your tenant screening even if that is inaccurate, you are denied of housing which means you have no right to rent an apartment. So what should I do? Should I live on the streets as a single XXXX  at XXXX? This is not fair and it is violation of my human rights. United States of America became just like XXXX. Your score defines who you are. If your score is low, you don't deserve to live. You're worthless.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 



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 2024-03-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OH)

I qualified 100 % absolutely for the XXXX. Followed all requirements specifically as required and submitted everything on time and as required. I have followed up with calls to MOHELA for over XXXX years now and they give me the run around EVERY TIME, saying things like- we are working to process it, should only be a few weeks, need to submit another form ( which I did ), many many calls. They dropped the ball on my rightful forgiveness under XXXX!!! Help!!
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (CA)

Experian has a wrong address on my credit report. I never resided at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. All other reporting agencies have the correct address on file.
Consumer complaint received 2022-02-01
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. (WV)

After receiving my credit report, there are multiple US Code has been violated by this reporting, 1. 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 15 USC 1681a- ( e ). " Congress says in order for you to have conducted an investigation you have to have Spoken to neighbors, friends or associates etc and if they spoke with them the information provided can not be factual ''
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE ERRONEOUS ACCOUNTS THAT REPORTING ON MY CREDIT REPORT : AM XXXX XXXX  ***** Opened Date XX/XX/XXXX Balance {$8100.00} Charge off XXXX XXXX  ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} Charge off
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On Monday XX/XX/2021 I was contacted by a buyer on XXXX who was interested in buying an item from me. The buyer claimed to have sent me {$200.00} and had a fake email sent to me claiming to be XXXX. The buyer had me call the number on the bottom of the email ( which has now come out as a scammer ) and made me send them {$800.00} to make my account into a business account and claiming I would be reimbursed the full {$1000.00}. I gave the person claiming to be XXXX customer service all my information such as bank account number and social security number. Over the next XXXX hours after this phone call, scammer got into my bank account made a fraud check from my jobs company using my name and depositing a {$5900.00} check into my bank account as well as going in on there own and taking it back out. I also never received the {$800.00} back. As soon as I realized what I was dealing with I Called JP Morgan Chase who I bank with to let them know the situation that was going on. JP Morgan Chase failed to look into any activity that was going on in my bank account. They were more concerned with getting me to close out my old account and open a new one. When the fraud started going on no one asked me about other accounts I had with them and also never asked if I wanted to restrict my account to stop any further fraud from happening. I mentioned to Chase several times that the money was taken from me fraudulently and there was response was that there was nothing they could do about it. It comes out at a later date that the {$800.00} of mine that was hard earned money was put into another account with JP Morgan and chase but that they still would not be looking into it any further. I have been a loyal customer with this bank for XXXX years. I have never had problems with petty problems but when it comes to serious issues it seems they did not want to do the work. A police report had to be made in this matter along with all the other stress this situation has caused me.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bonneville Billing and Collections (HI)

I am writing to file a formal complaint regarding unfair credit reporting practices by Bonneville Collection and XXXX XXXX XXXX ( XXXX ), which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I reviewed my XXXX credit report and noticed that Bonneville Collection is reporting a {$110.00} collection account. This reporting is false, as I have not received any validation of the debt from Bonneville Collection, which is required by law. Furthermore, the original creditor, XXXX, is also reporting a collection on my XXXX account for the same debt. This dual reporting is illegal, as both XXXX and Bonneville Collection can not report the same debt simultaneously. XXXX has sold the debt to Bonneville Collection, making this a clear case of double reporting. 

The details of the accounts are as follows : Bonneville Collection : Reporting a {$110.00} collection account on my XXXX report. 
XXXX XXXX XXXX ( XXXX ) : Also reporting a collection account for the same debt on my XXXX report. 
These actions have negatively impacted my credit score and caused undue stress. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Bonneville Collection and XXXX comply with the FCRA. I also request that both collection entries be removed from my credit report immediately. 

Thank you for your attention to this matter. Please feel free to contact me if you require any additional information or documentation.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AZ)

PayPal/Synchrony bank on XX/XX/2022 lowered my credit limit from {$2700.00} to {$1500.00} for non usage. I became aware of the change via my credit monitoring service with XXXX. 
I called Synchrony Bank to restore my credit line. 
They ran my credit and issued a new line of {$2300.00} less than my original credit line. 
I disputed to have my full line restored but they would not do so. 

I have been financially harmed since my credit score has been lowered with the credit bureaus due to PayPal/Synchrony Bank and I will have to monitor my other cards due to Synchrony 's actions.
Consumer complaint received 2018-03-01
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Immediate Credit Recovery (OH)

the company took my income tax for the total of {$2900.00} and then stated that it was for student loans but it was taken by a company that I neither have heard from by phone or email or mail itself and when I try to call them there is no response I get a voicemail and when someone finally calls they call at a time I can not answer and they leave a number and extension which all it does hang up on me
Consumer complaint received 2022-02-01
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. (NC)

I was taken advantage of due to mild practice. While several laws are being broken under the Fair Credit Reporting Act ( FCRA ) by your company. This has caused financial injury, and defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan due to the pandemic under this crisis .You have hurt my ability to obtain credit.
Consumer complaint received 2021-11-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mid-Atlantic Finance Co., Inc. (GA)

I've contacted MidAtlantic Finance about this bad debt on multiple occasions ; my last attempt being Monday, XXXX XXXX. When trying to discuss this debt, I spoke with customer service rep XXXX XXXX ext. XXXX ) who hung up on me mid conversation 3 times in a row. She was extremely rude and unhelpful. I told her multiple times the laws broken by the company in reference to the TILA, FDCPA, and FCRA. She told me she did not care about the laws. I sent in a cease and desist letter. Ultimately, I spoke with the manager ( ext. XXXX ). He was a lot less rude, however, his ultimate answer was that he could not help me, and told me I need to sue the company.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (NY)

I was a victim of identity theft and would like these alleged accounts removed immediately. 

Fraudulent account : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Fraudulent Inquiries : 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 XX/XX/XXXX
Consumer complaint received 2019-02-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( Transunion, XXXX, and ESPECIALLY XXXX  ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. XXXX, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. XXXX  hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. Transunion has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX  has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from XXXX - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws.

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.
Consumer complaint received 2021-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have called transunion numerous times to remove these inquiries. I demand them to be removed immediately. These inquiries are unauthorized and I never consented. I demand deletion immediately. You are in violation of my rights.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

I was charged for a hotel that they bank gave me credit for and send me a letter that my claim was resolved and nothing further would happen to my account. I got another charge for the same amount that they will not reverse and then charged me an over draft fee for the same reversal they made. I got nothing in writing to let me know this was going to happen.
Consumer complaint received 2024-06-10
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV INC. (CA)

On XX/XX/2024 my California EDD benefits were load onto a Monet Network prepaid card, I attempted to transfer my {$580.00} to my external bank account. My bank account was verified and approved for transfers within my Money Network account. I checked my bank account on XX/XX/2024 expecting my funds to be available as they have been the previous two times. I realized I was locked out of my account with Money Network and was prompted to call customer service for Money Network, I was informed that suspicious active had occurred and they are closing my account, XXXX was the operator assisting me. I asked what kind of suspicious active, the operator said she didn't have access to that information. I asked to speak with the fraud department and was told I could not. I asked to speak with a supervisor and was placed on a 20 min hold then hung up on. I called back didn't get that operators name, it was a man, I was told I would receive a check in 14 days. This situation has put a financial strain on me and my living situation. Edd informed me that I had to file a complaint with Money Network since the funds was already transferred to their company. As I type this complaint I've been on hold with Money Network for 45mins. I need my money with interest.