davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Todd, Bremer & Lawson, Inc. (TX)

Todd, Bremer & Lawson , Inc. is reporting an account to consumer reporting agencies and in doing do they are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) which states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity as mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) nor an explanation of how to exercise the non-disclosure option mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) in order to not have a personal account reported to consumer reporting agencies. This account should be removed from all consumer reporting agencies pursuant to 15 U.S.Code 6802 ( b ) ( 1 ) ( B ), and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ).
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

I have a collection from XXXX XXXX XXXX for 1 month of coverage after I cancelled my policy with them changed insurance companies. I called them and cancelled my policy and forwarded them my new insurance information all before my due date for the month in question and they billed me regardless and have been reporting a collection.
Consumer complaint received 2021-06-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

My company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX performed a VA appraisal for Pentagon Federal Credit Union. The appraisal was completed, submitted, and invoiced on XX/XX/XXXX in the amount of {XXXX}, the standard charge for a VA appraisal in XXXX XXXX, Virginia. On XX/XX/XXXX, when payment had not been received, the invoice was resent by email. On XX/XX/XXXX, the email was again resent by email with an added late fee. At no time was a response or payment received. On XX/XX/XXXX, XXXX XXXX, the POC for this appraisal was called. A message was left requesting a return call that day. No call was received. On XX/XX/XXXX, we went to the Pentagon Federal Credit Union website in an attempt to locate contact information that might lead us to accounts payable. After many transfers and 45 minutes on the phone, we were cut off. At this point, the last resort left was to file a complaint through the website regarding nonpayment and upload the extremely past due invoice. 

The results were the same - no response, no payment.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

Suntrust didn't pay my property taxes at the end of the 2020. I have tried to get them to pay taxes and penalties accrued to XXXX XXXX, but they still haven't paid the taxes and I am receiving notices from the city that they are planning to sell the property to get the tax. I have called Suntrust several times, has spend more than 10 hours waiting for their representatives, but the problem is not solved.
Consumer complaint received 2018-07-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC. (NY)

I am writing in response to a series of request from Ally Financial that I allegedly owe an outstanding invoice for an amount of {$2200.00} after I returned my leased vehicle and was granted a one-month extension by Ally. As a matter of fact my lease return was due at the end of XX/XX/2018, I had called Ally agreed to an extension of one-month documents were generated and a signed extension was sent back that should have entitled me to an additional 1000 miles and an additional 30 days. Furthermore I was never provided upon disposition of the vehicle of any receipt by your dealer at XXXX XXXX XXXX in XXXX New York that would substantiate the damage your are alleging of the excess mileage and total daily extension you are falsely claiming Lastly, I have was directed to a website which never worked to inspect all relevant report post disposition of the vehicle, kindly provide all report produced by ally, XXXX or its agents in conjunction with the return and alleged property damage. The extension contract was never applied I have sent them {$600.00} as a payment someone from their executive office reach out saying she will be handling the matter pertaining to the excess mileage and the excess leasing days and never actually followed up.
Consumer complaint received 2022-02-16
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Recently, I XXXX XXXX was denied an extension of credit by Capital One in XXXX of 2022 I submitted a credit limit increase, I applied for Credit As you XXXX be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Captial One Bank has violated my federally protected consumer rights : 1. 15 U.S Code 1642- No credit card shall be issued except in response to a request or application, therefore. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card.

2. 15 U.S Code 1681M 3. 12 CFR 1002- A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered 4. 15 U.S. Code 1691-It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. 

Since the letter, you sent me dated XX/XX/2022 account ending in XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. Capital One should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) Account Number : XXXX
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (FL)

This is a Suntrust XXXX XXXX credit card. 
TRUIST took over SunTrust. TRUIST told me they can not help me because Suntrust gave this account to a " third party ''. 

I made my payments before the due date but they still charged me extra interest and a late fee. They will not help me on the phone. They give the runaround. The letter I sent to their XXXX XXXX was returned by the post office, labeled " no such number '' I want the interest and late fee refunded.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (LA)

I deposited a check from my insurance company ( XXXX  ) into my account. All my chase accounts right now is being restricted because of something with the check. they said they have to verify the check which is understandable but why is all accounts being restricted I have kids.. they stated that the number they called no one is answering. I gave them 2 other number s to call and they said they couldn't call those numbers. I called my agent before calling chase just to make sure the number was good for them to verify the check.. they are attacking my character by restricting my account before doing an investigation.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
Consumer complaint received 2022-07-06
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: NAVY FEDERAL CREDIT UNION (VA)

These were paid accounts and were included in bankruptcy. I never received any response in spite of the many complaints I sent to them. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/201XXXX XXXX
Consumer complaint received 2016-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial Systems responded to a recent complaint I filed against them with the CFPB ( Case number : XXXX ) stating that they were closing the account and removing the unsubstantiated collection account from my credit reports. The day after they responded to my complaint- instead of deleting it, they actually updated the collection on my XXXX credit report. Commonwealth also responded to the XXXX stating they were removing the collection. I contacted XXXX fraud department and they assured me that they had placed a fraud alert on my credit report and that they would begin their own investigation. With the enormous number of complaints against Commonwealth Financial Systems I am baffled as to why the CFPB has not taken action against them. I feel like this nightmare is never going to end.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have submitted multiple times to Experian to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Experian it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Experian failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and inquires XXXXXXXX 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 XXXXXXXX removed from my credit report or send debt validation of these accounts with my signature.
Consumer complaint received 2022-12-03
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)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 2022-12-03
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: DISCOVER BANK (TX)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2021-06-14
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. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have struggled this year to make my mortgage payments on time due to switching jobs last year and having to take a salary reduction from what I was making last year. In addition we became foster parents to XXXX children and my wife is now XXXX. I have paid so far in 2018 my XXXX, XXXX, XXXX, XXXX, XXXX, XXXX payments. I called XXXX XXXX XXXX XXXX to let them know I have the funds to make the XXXX payment but they told me they would not accept them payment, the would only accept a minimum of 3 payments, this seems very unreasonable, if I had the funds to make 3 payments I would have made them. I don't think its right for the mortgage company to refuse payments, I told them my next payment after the one I attempted to make would be on XX/XX/XXXX and the next on XX/XX/XXXX because I finally have the funds set aside to make all these payments and get back on track, still they said they will not accept any less than 3 payments at the same time.
Consumer complaint received 2024-03-08
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. (CA)

Dear Equifax My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Follow all verification reinvestigation proceders and guidlines through FCRA rules. 
XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2024-03-08
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. (TN)

Based on the Fair Credit Reporting Act, the list of accounts below violated my privacy rights under 15 USC 1681. 

I called XXXX, XXXX, and Equifax to check these accounts : Account name : XXXX XXXX XXXX, XXXX XXXX XXXX. THESE TWO ACCOUNTS ARE A MAJOR VIOLATION OF MY RIGHTS ACCORDING TO 15 U.S.C 1681 section 602 A. States I have the right to privacy. ALSO, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RUOFF MORTGAGE (KY)

A detailed description is attached but basically Ruoff Mortgage sent me a pre-approval letter for a product they didnt have, but didnt tell me until after I accepted a counter-offer on a house. This physicians loan is advertised extensively on their website but they later told me they dont have that product but only after I was under contract to close in 35 days. Thats fraud and predatory lending.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2022-03-21
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. (NY)

In accordance with the Fair Credit Reporting act, Equifax has been in violation of furnishing without my written consent as pursuant to 15 U.S.C 1681b. ( a ) ( 2 ) : Congress states a consumer reporting agency can not furnish a account without my written instructions. 
I demand you remove these accounts immediately : DEPT OF EDUCATION/XXXX  XXXX XXXX LOANS XXXX Also, 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Kohls/Cap One # XXXX is reporting a late in error. I have never had a late and had this account for many years, the only issue was when I tried to make a payment online and I thought it went through but I later found out it hadn't. This late isn't my fault.