davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
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. (FL)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (VA)

I made a payment for my XX/XX/2021 bill which was due on XX/XX/2021 on XX/XX/2021. They applied my XXXX payment to the XX/XX/2021 billing cycle, which I had already fulfilled that payment in XXXX. I was charged a late fee because of the of the way they posted my payment. I called and the man explained that I had made it on the last day of the billing cycle and that's why it showed that way and that he would reverse the late fee and he would take care of it. This morning I started getting late payment notices from them. I called again and after not being able to resolve it with the person who answered the phone, asked to speak to a manager. XXXX ( not sure how to spell ) told me that they would NOT change the payment to show that I had paid my XXXX payment AND that I needed to make another payment or they would charge me another late fee and my account would be in arrears. This is unacceptable. No where on the statement does it say that you can not make an early payment. I made my payment early, I have fulfilled my part of the agreement. I would like them to correct my account to show that I have made a payment.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I received two unauthorized charges on my debit card my card is set up so charges can not go through unless the funds are there Ive reported unauthorized charge to the bank they refuse to remove the charges even though I reported their not mine this not the first time how the charges were put through I dont know they never did a provision credit nothing just let it lay there the local branch is horrible they do nothing
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 
Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXAccount # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX-Account # XXXX Account Name : XXXX XXXX-Account # XXXX has violated my rights. 

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 and 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 2024-04-17
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: Advantage Credit, Inc. (CA)

CFPB, After logging on, and looking at my Credit Report I was shocked to see these Unauthorized Inquiries. Please see below Unauthorized 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
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

On or around XXXX, XXXX 2021 XXXX, Equifax, and XXXX took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted XXXX, Equifax, and XXXX, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( XXXX ) ''.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

I receive multiple calls from this business daily, every single day. The one time I did answer, it was a robocall saying it had a message for a person that wasnt even me. I will include screenshots of how often they call me, including the numbers they call from ( they call from separate numbers ).
Consumer complaint received 2021-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CT)

Good morning I have been fighting with M & T Bank since before Covid hit on a loan modification and pre-mediation for foreclosure. In XXXX of XXXX I was separated and going through a divorce, with my income hampered I was no longer able to make payments as of XX/XX/XXXX. When I attempted to work on a modification suited to my current income, M & T Bank would not work with me. As such I fell behind on my payments and in XXXX of XXXX I lost my job due to Covid. At this point I was about a year behind and M & T had started Pre-mediation for Foreclosure. I contacted them to try to work with them, which they would not do. I went to pre-mediation in XXXX of XXXX but M & T and the Lawyer did not show up. At that point Courts closed and I was instructed to not take any action. Fast forward to this past XXXX when Courts opened back up, my pre-mediation was starting back up. M & T bank reached out to me to do a hardship, and I explained I was making more as well had the possibility of other income coming in starting XXXX of XXXX. Again they refused to work with me stating they did not have any programs that would help me even though I am able to make the Mortgage payment on my own if it were modified or re-financed..
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I appeal to your service to have all three reporting services ( Equifax, XXXX, XXXX ) remove the middle initial from my name. I continue to receive mail with a middle initial which, in my lifetime, have never used. Despite several requests to said reporting services to correct this mistake, they continue to carry my name with a middle initial.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TN)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection was a corporate account and mistakenly reported on my profile. I believe there may be an error on this collection account. The XXXX and XXXX Credit Bureaus chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXXDate of Inquiry XX/XX/2019 XXXX XXXX-Date of Inquiry XX/XX/2019 XXXX XXXX-Date of Inquiry XX/XX/2019 XX/XX/2019
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (MI)

I received an email from XXXX XXXX XXXX on XX/XX/2021 that stated as follows : Dear XXXX XXXX, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options : You may resolve your account for {$2600.00}. To accept, make your payment by XX/XX/2021. 

I made a payment on XX/XX/2021 in the amount of {$2600.00} to XXXX XXXX XXXX who was operating on behalf of XXXX XXXX XXXX. I was told that this matter was closed and would be removed from my credit report within 30 days. After 30 days it was still on my report. 

I contacted XXXX XXXX XXXX on XX/XX/2021 to complain that I had not received a receipt for my transaction and this matter was still on my credit report. They in turn assured me that this would come off soon and sent me a letter stating that my debt has been settled in full and my balance owed to XXXX XXXX XXXX was {$0.00}. 

Today, XX/XX/2021, I received an email from another collection agency requesting a payment of {$5700.00} and offering a settlement option on behalf of XXXX XXXX XXXX.
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (NJ)

I received a letter of debt collection from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Their reference # XXXX dated XX/XX/2021 received by US Mail on XX/XX/2021. Note their envelope has no postmark or date. I immediately called them on XX/XX/2021 and advised of my intention to dispute and requested validity of the debt, proof of obligation. i was requested to provide my birthdate to which I refused as I had no idea whom was on the other end and possibly provide sensitive personal info to anyone. 

I wrote a letter dated XX/XX/2021 requesting validation of the debt to which to date have no received. I noticed that on XX/XX/2021 this company then placed a collection of my credit bureau reports with all three national credit bureaus. This is a violation of my rights as I have no proof or validity of this obligation, not was any provided by this company as of XX/XX/2021. Please force removal of the collection from my credit bureaus and take action against this firm for violating my rights to dispute since no proof was provided, and the receipt of the notification from this company was not received for in excess of 25 days from date of their notice..
Consumer complaint received 2021-10-01
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I have a home mortgage with Suntrust Bank. 

They keep emailing me sensitive private information via unsecured email. This creates a risk that I can have my identity stolen or became a victim of a fraud. 

I attach a screenshot of an excerpt of such an email, in which I manually redacted out the said sensitive private information. 

I have already requested that they stop doing so, and I was told that they would stop, but they keep emailing me said sensitive private information via unsecured email. 

When I call the callback number for their Mortgage Client Services at XXXX to talk to a representative, after collecting from me my personal information their system transfers me to a mailbox menu that requires me to know the last name or a mailbox number of the person I am calling - which I do not know - and then disconnects me without giving me any options.
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

The lease maturity is XX/XX/XXXX, last payment was due XX/XX/XXXX. I obtained a payoff on XX/XX/XXXX for {$33000.00} good through XX/XX/XXXX. The vehicle was sold and the lease was paid off on XX/XX/XXXX. However between the date of the original payoff quote on XX/XX/XXXX and the actual payoff date of XX/XX/XXXX, XXXX XXXX changed the payoff amount to {$33000.00} with a good through date of XX/XX/XXXX. They claimed the next month 's rent charge had been assessed to the account. When I called to request a refund since 1. the payoff was received well before the good through date of XX/XX/XXXX and 2. before the monthly payment was due they refused to refund me the overage. 

It seems like unfair and deceptive practices that XXXX XXXX XXXX won't honor a payoff quote with a good through date. They know exactly when they access the rent charge so a payoff quote should have a good through date that is before the rent charge is assessed to account for this additional charge, not after. Additionally, a payoff received the month before the rental of that vehicle occurs should not include that charge.
Consumer complaint received 2021-10-01
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. According to the FCRA, you have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I recieved a text message alert stating that someone was trying to access and withdraw funds from my checking account in the amount of {$2000.00}. The text message wanted me to verify whether I authorized this transaction in which I stated no. About 10minutes later, my phone rang and it read Chase on the caller id so I picked up immediately. The Chase rep stated that he would help reverse the funds ; he placed me on hold and came back stating that he can see the transaction and will be able to reverse it. He explained that I just needed to log into my mobile app and add myself as a recipient through my telephone number and then XXXX the {$2000.00} to myself to reverse the transaction. I did all of this but I never gave him any information other than the last 4 digits of my telephone number. He stated that he would call me back the next day at the same time because we would have to do the XXXX transaction again. He called the next day and asked me to repeat the steps. On Monday XX/XX/XXXX, I realized that my account was short the {$2000.00}. I called Chase again to follow up and was told that this fraud and that Chase would have never contacted a customer.
Consumer complaint received 2021-10-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (FL)

Original Advance Money Mortgage of UP TO {$130000.00} was taken XX/XX/XXXX with XXXX XXXX XXXX XXXX, with an amount borrowed payable in full by XX/XX/XXXX. 

In XXXX, XXXX XXXX XXXX  assigned this failed bank loan to XXXX XXXX XXXX XXXX, XXXX Ohio. 
( later XXXX loans went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, then ultimately to CITIFINANCIAL MORTGAGE COMPANY , INC. 

We have records showing multiple payments to XXXX for the years XXXX. No reassigments to Associates or Citifinancial are on file with the county. 

We require a discharge of mortgage to remove the lien from the title to sell the house ( hopefully closing on XX/XX/XXXX of this year ), but this finding of lien has put a wrench in this plan! HELP!!!!

As the only company in existence is Citifiniancial, I have made MULTIPLE attempts to contact them at their very less than helpful " service center '' ( an autogenerated email response system XXXX and their very sketchy phone number XXXX ( call it. sounds like someone in a small garage!! ). I have only received an autogenerated responses saying that they do not have a loan on file that matches the infomation and to resubmit information. ( basically the same information regardless of my question being sent to them ) I have tried to go thru a backdoor email ( CitiHoldingsNAMInfoServicing XXXX ) and I am getting them to respond personally, but they only say send your info to the other email address. 

I have made over 20 email requests starting the last week of XXXX, and can not get ANY response other than their autoreply. 
HELP!!!!
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (PA)

I am a consumer and protected by federal laws. Credit Corp solution is violating my consumer right under Title 15 USC.

Under 15 USC 1692g credit corp did not validate any debt.

I was contacted multiple times confirming that it was a debt collector and they attempt to collect a debt.

Violation of 15 U.S. Code 1692c -a.1 I was harassed and abused by multiple people calling my phone and threatening me. 
Violation of 15 U.S. Code 1692d - Credit Corp employees falsely represented the corporation mentioning they are handling and personal and business matters to get in contact with such person.

Violation of 15 U.S. Code 1692e.

Credit Corp Solutions is in violation of 15 usc 1692 b. ( 5 ) Credit Corp Solutions is in violation of 15 usc 1692 b. ( 2 ) Credit Corp Solutions is in violation of 15 usc 1692 f. ( 8 )
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I noticed that Equifax had published a Bankruptcy on my consumer file from courts in XXXX, TX and XXXX, TX. I did not give written consent to Equifax to publish this on my consumer report that's a violation of my consumer rights. When I challenged it, via certified on XX/XX/2021 they removed the bankruptcy and replaced with a federal bankruptcy and reported the date XX/XX/2021 that's a violation of my consumer rights. So they reaged my bankruptcy that's a violation of my consumer rights. They did not furnish any mailing address either, that's another violation of my consumer rights. Equifax has refused to respond in a timely matter, thats a violation of my consumer rights. I sent them an certified affidavit on XX/XX/2021 showing them my consumer right laws that they have broken. On XX/XX/2021, I sent another certified letter asking them to permanently delete this from my file.
Consumer complaint received 2021-10-01
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: DISCOVER BANK (NY)

These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft DISCOVER BANK Account Number : XXXX This is not mine. 

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

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

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

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

6. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

CBNA with account XXXX is discriminating against me and is using its power to have incorrect and false information regarding this account on all three credit bureaus. This account was paid years ago. According to the FCRA and Arizona Law this account should no longer be listed or reported on any of the three credit bureaus. They are listing it as delinquent even though it is paid. This is causing me to have a lower credit score because of the false information this company lists on my credit report.
Consumer complaint received 2019-11-20
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: EQUIFAX, INC. (NY)

I've sent a few letters via certified mail asking to fix the errors on my credit reports. I also ask them to send me information on how they verified the inaccurate accounts as " verified '' when the accounts are not mine. Each time I got a generic letter stating that the information is accurate and that they refuse to fix it.