davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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. (MS)

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. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-19
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. (TX)

FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : inquires not mine XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BMO Bank, N.A. (CA)

I was traveling to XXXX in XXXX and needed a credit card with no fees, my branch provided XXXX, So With my banker I applied And was approved with a low interest rate of XXXX % credit of XXXX XXXX XXXX. I've only had the car XXXX  months and was going to make a credit card transfer where the interest rate was at XXXX XXXX percent and I knew my BMO account was very low and would pay my balance very quickly. I then reached. 
Out via XXXX phone number and reach.The gentleman who said that my payment was XXXX and something XXXX.I said what is my minimum payment? He restated it was XXXX XXXX and something that was the balance I owed and he did not have his story right. I then went into the branch because I was very upset about everything going on and wanted to make a hay credit card transfer on to my card with my branch. We reached out and spoke to a gentleman who was in XXXX America.And said that my interest rate was XXXX XXXX plus percent. My bank and I were so confused.We were on the phone for over an hour.He said that my interest rate was based on my credit rate. He continued to say my interest was based on my credit score.My credit score is amazing, Even my banker was confused and we were going to wait for her branch manager to come in.They also put a block on my card and did not contact me.They say they contacted me via phone.But I received so many scam calls. Most of my banks or credit cards will also send me a text asking me if I have charged something, yes or no.This was not done no email no text. So today I received a call from the office of a young lady and she said that I'll have a XXXX percent interest rate. But then the government adds on another XXXX point XXXX percent. How is that even valid. So my interest rate went from XXXX to XXXX XXXX and XXXX months. I have had many credit cards throughout my life.I 'm XXXX XXXX XXXX and never have I heard that.I was approved at XXXX point but the government adds on another. I used to be with XXXX XXXX XXXX XXXXut now they are BMO. So the branch manager will be on XXXX and we are still confused.The bank card company is trying to overcharge me my interest rate. I was approved XXXX interest rate and now given another by the credit card company.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (FL)

This debt has been sold to FRANKLIN COLLECTION SV by XXXX XXXX XXXX XXXX. I have submitted over 3 letters to your XXXX XXXX XXXX XXXX providing the appropriate documentation of this fraudulent account. This account of {$870.00} keeps on being sold by debt collectors and added every month to my credit report with different dates and time. 

Also, I have previously contacted XXXX XXXX XXXX  to obtain details on this account and they state they have no information on regards to this amount owed or the account. no information on regards to this supposed account has been provided by your company by mail as previously requested. If it is true that I owe this amount to your collection department you should have documentation supporting your claim. By law I am entitle to received all evidence being requested in this letter. 

Account number XXXX Collection opened XX/XX/2021 Account type Collection amount {$870.00} XXXX XXXX XXXX XXXX sold one of the collections for {$870.00} to FRANKLIN COLLECTION SV. This two companies are fully aware and I have provided them with proof of my identity theft. Every month they remove this collection because they have no records as to why am I being charged does amounts and after one week of removing they enter the information again. I have sent more than 3 letters to each with no resolution. this people are destroying my credit intentionally and with malice as they are aware of the situation.
Consumer complaint received 2023-01-13
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (TX)

I have been trying to keep come current on my mortage. 
Had conversations here and there where representives told me all along that as long as i was making payments and not over 240 days late i should be fine. 
Had been making my payments up until XX/XX/2019 when my mortage servicer advised all past due payment had to be made in full. I wad asked by represententive ro borrow the money and pay past due amount and get it over with. Something to which i beleive is so unprofessional. 
Later receiving a letter where mortage servicer is in bankruptcy. 
Making me wonder if this is a reason why my petittion for a loan modification is not being handled the proper way. 
And later receiving a letter with a new acct # from original acct. 
Asked for loan modification to my mortage servicer. Which i just kept getting letters requesting same missing information. Never received a denial, only application to submit or missing information letter. 

After they referred loan to forclosure. 

With no progress on loan modification requested. which lead me to hire a loan advisor to help with loan modification. 
On or about XX/XX/2019 an other loan modification paper work was sent through loan advisor. On or about XX/XX/2019 loan advisor called on a 3 way call to verify on documentation sent. And was advised that no modification paper work was received. To which loan servicer resent. 
On or about loan advisor called me to mention that we have a 3 month trial period before final modification. 
Yet We since have received same letter requesting missing information, which is sent every time requested. 

Im now here with a letter that has a sale date on my property. 

I am being honest explained at the time reason of hardship via letter attached on modification paper work and phone with repprisentives. I have also explaines hardship is now over since XXXX and was ready to come current.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

Hi, I have opened a checking account in Truist Bank at the branch XXXX XXXX XXXX XXXX, XXXX, TX XXXX on XXXX XX/XX/2022. I deposited some amount eg : {$1400.00} Something. I tried to XXXX some amount to my colleague etc, However, I probably put a wrong phone/email and they locked my account. I tried call them as it directed at XXXX, Option -- 2 then option 3 -- then option 1. But they could not unlock my account and confirm the transfer. They told me to wait for letter to come in my home address but it's been 3/4 weeks they haven't send me any letter to unlock account. Therefore, I went to the branch and tried to unlock the account, I gave them my Bank ID, phone number, SSN number, account number, Driver 's license to draw the money and close my account. The teller said they can't unlock my account-she informed someone over the phone so they will email her and then they will call me in 2/3 business days. This is a bad experience with Truist bank. They are holding my money and not doing their job. 
I had same kind of issues with XXXX XXXX  and XXXX  XXXX XXXX -- My account got locked and they resolved it over the phone in 2 minutes. For Truist Bank, they are taking 3/4 weeks and still they haven't returned my money and close my account. Can I get help on this issue? Attached one of my Truist bank VOID check. XXXX. 
Thanks, XXXX XXXX email : XXXX phone : XXXX
Consumer complaint received 2019-07-20
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: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX Box XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-01-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (KY)

I received 3 text messages ( see screenshot for dates XXXX from XXXX regarding an outstanding check i have out with checksmart from 1month ago. First text was to tell me my check payment was overdue. The last 2 stated if i call XXXX before XX/XX/2019 I would get 20 % off what i owe. When i called that number today a woman asked for my social security number so she could look up my balance. Then gave me my balance which was correct. She then asked me what the text said i told her 20 % off she says oh ya oh ya we can do that. Then says let me find calculator. Ya thats about {$92.00} off i think and asked for my debit card number very excitedly. I didn't think a debit card could be used to pay off check. So i asked if i could go into my local branch and have the same 29 % off, she then stated she was at corporate office and this promo would not be honored in any store only over the phone. Time was XXXX when i called. Upon looking up the business hours for checksmart corporate i descovered they close at XXXX and theres not even a local branch that stays open that late. She was able to provide me with the correct amount i owed on check but i dont know is that info available to the public with just a social security or maybe she's a crooked employee. Is this a scam? I didnt give my debit card info. And my complaint isn't directed towards checksmart only toward this alleged scammer.
Consumer complaint received 2021-11-13
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved 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 is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXXDate of inquiry XX/XX/2021
Consumer complaint received 2021-04-20
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 was overviewing my consumer report, and noticed that transunion is reporting information on my report without, any consent from me as a consumer i have a right to privacy, and sharing information without my written consent. This is a violation of my federal rights .federal rights are currently being violated Under 15 USC code 1681 b permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave transunion permission. I did reach out this company certified mail asking for removal. I demand that this information be removed immediately for fed loan on my report.
Consumer complaint received 2020-12-17
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. (SC)

Ive reached to XXXX  via letter to advise of these inaccuracies reporting on my credit report and asked for proof and validation of the items in which XXXX  failed to provide me with the proper documentation. I sent that same letter to XXXX and in which they werent able to provide proof which caused them to remove these items from my credit report. This negative thing is causing such great stress in my life which is causing me to not be able to move forward in my career and purchase new things such as home because of these inaccuracies. I am demanding for these items to be removed immediately otherwise I will seek legal action against the reporting agency, XXXX.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I filed a complaint against Citizens Bank. They made an adjustment that did not solve the problem and now refuse to return my call. I have placed XXXX calls to the Chairman 's office. 

XXXX XXXX XXXX callsXXXX XXXX call-his voicemail says he is back from vacation as off yesterdayA {$600.00} ( approximate ) payment was not applied to the balance of my mortgage in XX/XX/XXXX. If it had been the balance going forward along with the interest charged on the reduced balance would have been less with each additional payment since the balance would be less. The paperwork supporting this was supplied to Citizens. 
Citizens applied the money that was paid in XX/XX/XXXX today and wanted to wash their hands of it. So they want to keep the additional interest they have charged and I have paid from XX/XX/XXXX to XX/XX/XXXX instead of recalculating the balance. Interest was charged on a higher balance. I think the bank should understand this. I want the payment applied and then the interest calculated on the reduced balance from the time the payment should have been applied to now. Yes, it will be many calculations since the error dates back a few years but I am sure there is technology that can assist XXXX XXXX or XXXX XXXX so it does n't have to be done long hand. I hope this can be resolved to my satisfaction soon.
Consumer complaint received 2019-01-30
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (NJ)

Discover Card ( credit card company ) sent me a letter indicating that they were lowering my line of credit. This was based on a review of a credit report provided to them by XXXX. My credit FICO score with other agencies and credit card companies is quit high - plus XXXX and is currently at XXXX as reported by XXXX  as of XX/XX/XXXX. 


Discover Card listed my FICO score as XXXX and included " multiple delinquencies '' as a reason of lowering my line of credit with them. I have not missed a payment with Discover or any other CC company since XX/XX/XXXX!! I have requested that Discover PLEASE review this matter and consider re-establishing my credit to the previous status. 

I have spoken and communicated via email with representatives at Discover. 
A few have admit that there seems to be no reasoning behind the decrease in my credit line. They also can not see where a FICO score of XXXX was ever provided to them from XXXX  exist, but do see it was included in the notification letter that was sent. I also checked my report directly with XXXX XXXX - there FICO score was well above a delinquent XXXX score. 


I am just looking for some help to limit the damage that an erroneous credit line decrease can create. I've worked hard to establish a good and positive credit standing. 
I'm not sure why Discover is unwilling to work with me to resolve this matter. I'm asking you there for some assistance. 

Thank you for any help you can provide me in this matter, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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. (NC)

how many times should I dispute this? I mailed the bureaus what they need and still I'm being ignored? I have unauthorized inquries and accounts that I want them to removed no proof that is beingsenttome.
Consumer complaint received 2022-05-19
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: Colony Brands, Inc. (LA)

In accordance with the Fair Credit Reporting Act, Monroe & Main Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open an end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

We have paid consistently since XXXX. They have changed the payments every so often. They filed a foreclosure action back in XXXX or so and because of circumstances, forced us to enter into a temporary modification to repay and we made every payment and have done so. Then for some reason, even though we paid monthly, they filed foreclosure action again. We entered into another loan remp modification, made temp payments as agreed, but when temp modification concluded, they presented us with a new permanent loan modification that would have added an additional {$110000.00} of interest onto our balance. When I did all the calculations for them and did all the comparisons for them in detail, they did not even bother to respond. In facet, they said take it or leave it, but they did accept payment for every month since the foreclosure has been filed. It should be noted that the present rate of our mortgage is 6.9 %, over 4 % the going rate. They apply funds any way they see fit. We have requested on several occasions to work with us to resolve the matter because we pay, we have Illness in the family including XXXX, Post XXXX XXXX XXXX, XXXX XXXX XXXX, and still made payments every month the foreclosure has been pending, but without rational explanation, proper accounting of funds posted and proper rebuttal to the outrageous proposal in their original loan modification, they refuse to offer any reasonable mitigation or modification instead move like a predator. All this can be documented upon request.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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