davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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
Consumer complaint received 2024-02-04
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I was told by the credit card company that the reason why they close my account because I have a XXXX and other revolving accounts. I had a XXXX and other revolving accounts when I acquired the credit card and my mortgage and my other accounts are being paid as agreed I also have other accounts with synchrony Bank, which they did not close, but they close this one with XXXX, I have not attempted to use the card or I have not done anything but tried to pay the card off. They told me once the account is closed they will not reopen it but the reason that they gave me for closing the account is not a legitimate reason, because I am on time with my payments, and they had no reason to close my account.
Consumer complaint received 2020-12-15
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: Santander Consumer USA Holdings Inc. (NC)

XXXX XXXX XXXX had me sign papers for the purchase of a truck & XXXX  as a co-borrower. I never gave my consent or had any knowledge this was on the paperwork until the payment was not made in XXXX. My name is associated with XXXX XXXX XXXX XXXX which is a trucking company. XXXX XXXX who is the owner made all these arrangements with XXXX XXXX & told me all I had to do was sign for the company because he had already signed. Which I found out after the fact, he had signed nothing. 
I contacted Chrysler Capital & let them know I would not be responsible for these accounts & had never agreed to be a co-borrower. They told me file a dispute with all 3 credit bureaus who contacted Chrysler Capital who in turn, stated that these accounts did belong to me so they were not removed from my credit file. On XX/XX/XXXX, I called XXXX XXXX XXXX & spoke with the finance manager & told him I wanted my name removed from these loans but he stated that he could nothing for me until he spoke with his GM. He stated he would call me back but I have neve received a return call. One account is {$35000.00} for a jeep & the truck is {$54000.00}, I do not have either vehicle. If I known up front that I was going to be a co- borrower, the transactions would have never taken place.
Consumer complaint received 2018-08-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patient Accounting Service Center (PA)

I received a letter on XX/XX/XXXX attempting to collect on a debt from XXXX. That same day, I went to the company 's website, specifically their 'contact us ' form and used the email : XXXX to explain that the debt was not valid and to stop contacting me, etc. However, their email address was no good and the email bounced so I used the 'contact us ' form on the same page to re-send my statement. Today, XX/XX/XXXX, I have received a further letter from XXXX saying that they have not received a written request asking to validate the debt and as such, they may now presume the debt is owed and undisputed. This clearly is not the case as I have now sent a further email, which again bounced, and another email using their online form. I attach below the emails sent as well as the email failure notification. Sorry, we were unable to deliver your message to the following address. 

<XXXX> : XXXX : XXXX [ XXXX ] : Recipient address rejected : Access denied [ XXXX ] -- - Below this line is a copy of the message. 

This debt is not valid. See the message below from XX/XX/XXXX. I  requested to cease communication with Arstrat and have received a letter today, XX/XX/XXXX, saying that I did not send a written request asking us to validate the debt. I already advised that the debt was invalid on XX/XX/XXXX. 
-- -- - Forwarded Message -- -- - From : XXXX XXXX <XXXX>To : " XXXX '' <XXXX>Sent : Saturday, XX/XX/XXXX, XXXX XXXX   EDTSubject : Debt Validity Dispute WID : XXXX I have received a letter in the mail today, XX/XX/XXXX insisting that I owe XXXX XXXX {$91.00} under account number XXXX with a service date of XX/XX/XXXX. I am disputing the validity of this debt totally. It is invalid as I provided my insurance information to XXXX XXXX at the time of service. I was required to have some XXXX work done by my doctor during my XXXX XXXX. I suggest XXXX XXXX request payment from XXXX XXXX XXXX, my insurance company. My ID with them is XXXX. Their phone number is XXXX. I have already provided XXXX with this information on two separate occasions with no communication following except for this letter now received from XXXX. I now request to cease communication with XXXX as is my right.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (WA)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a  home loan and this was not my mistake.
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

Please provide me with a copy of that certain SunTrust Mortgage , Inc . Note dated XX/XX/2008 relating to property commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX. Please accept this Qualified Written Request under the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Thank you, XXXX XXXX
Consumer complaint received 2018-08-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (UT)

I wanted a {$45000.00} cash back. In the whole process it was never talked about that I had to pay a third loan They were very dishonest because they told me until the end when the loan was closed. 
They did not give him the opportunity to choose if I wanted to continue with the loan
Consumer complaint received 2022-03-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, XXXX, and Transunion, have violated my rights. I have also been told previously that it has been verified through the courts which are not true and I have verified with the courts that they do not verify this information with the credit bureaus or any other entities. My rights have been violated under the FCRA laws below and I have the right to privacy. I have asked that this be removed from my credit report multiple times due to the FCRA violations and the inaccuracies that are included.

15 U.S.C 1681 section 602 A. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 There are also multiple errors on my credit report in regards to this listing such as the reference #, court name, and filing date which violates my rights.
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I never requested nor approved an extended fraud alert to be on my reports and all 3 have it. 
I want it removed Ive requested over 3 times for the bureaus to remove and they have not.
Consumer complaint received 2020-02-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: F.H. Cann & Associates, Inc. (NC)

On XX/XX/XXXX i received my first letter regarding the current collections on this debt from the Dept of Ed.  This first letter was the FINAL NOTICE OF WAGE GARBISHMENT FOR DEBT OWED TO US GOVERNMENT. When i called the Dept of Ed on XX/XX/XXXX i was redirected to FH Cann. Prior to this XX/XX/XXXX letter I have had no contact from a collector about this student loan debt when another company tried but after I sent a written request for verification of the debt, the collector never supplied verification and stopped contacting me. So, in several phonecalls on XX/XX/XXXX I immediately questioned FH Cann as to how this FINAL NOTICE was the only notice I've received and all they said was everything was sent to the same address. On this call I was instructed of several repayment options, of which were slight variations of paying the debt off in full. Not until ending the intial phonecall and doing some research and learn about loan rehabilitation. Upon calling back on XX/XX/XXXX and mentioning the rehab program FH Cann then said that was an option. They then proceeded to pressure me and question me about expenses regardless of how many times I stated I'd like time to review my finances to provide these numbers. FH Cann provided an estimate based on these inaccurate numbers and persisted in trying to get me to agree to these terms. Several times I repeated I would like to review my finances and was ignored I said I would not agree to terms until I could do a financial review to provide accurate numbers and that I also needed verification of this debt before I could do so. I was told this information was to be sent to me. The only documents I received after this call was a prefilled out loan rehab income and expense form using all the unreviewed numbers from the phone call. No verification on the debt as of XX/XX/XXXX. I will now be following up with a written request of verification.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (IL)

I have tried relentlessly to get in touch with this creditor. They are reporting that the car is repossessed when in fact it was traded in for another car. THey are also still showing a balance owed of XXXX and it should be at a balance of. The incorrect reporting is affecting my ability to obtain a mortgage
Consumer complaint received 2022-03-06
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: Experian Information Solutions Inc. (GA)

Dear CFPB, I am contacting you with regard to my original complaint sent to you CFPB # XXXX which included XXXX and Experian. XXXX has since fixed the issue and have deleted the erroneous information listed on my credit report that was in fact due to Identity Theft. It has been a constant uphill battle with stall tactics to only get no results. Experian will reply to you and say an investigation is in process with you and as of today XX/XX/2022 there is only one investigation result pending and it is one I initiated on my own for XXXX XXXX # XXXX with XXXX XXXX # XXXX untouched and not being disputed or removed at all. I am advising you that Experian has not done any of what they replied to you stating as of XX/XX/2022 per the original dispute sent to you mentioned above. Their business practice is has been unethical and not followed. 

To date since Experian has contacted you, I have not received any communication whatsoever telling me that my complaint has been received and matters are being handled. Both of these accounts are a part of my Identity Theft. I have been supplying Experian with my drivers license, the Federal Trade Commission Affidavit and the XXXX Police Report and it seems it is only a stall tactic to remove the information that does not belong to me. I understand they make money to hold your information but doing the right thing Experian seems to not understand. 

I am attaching the same documents again and wanted to advise you that Experian has not touched any of the accounts that I brought to your attention from the original dispute. 
I have also attached XXXXXXXX XXXX  results after their reinvestigation ( if they deleted, then the result should be the same for Experian ) and handling matters the way they should have from the beginning from being a victim of Identity Theft.

Per 605B the bureaus should not be reporting anything that is a part of my Identity Theft and I am tired of fighting with them over their unethical business practices.
Consumer complaint received 2022-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

I have three credit cards with Capital One ( XXXX XXXX, XXXX, regular card ). A family member helped me by paying these cards off using her bank account. The payments were accepted and processed and all three credit cards were paid in full on XX/XX/2022. 

Capital One accepted these payments and when I logged into these accounts, there was a zero balance. 

Capital One froze all three credit cards. Their Fraud Department contacted me in early XXXX, asking for information about the payment origination bank account ( belonging to my relative who paid the balances on these cards ). They could not provide me with a reason, except that it was " for my protection ''. 

In XXXX, I was charged interest on two of the three credit cards : XXXX ( ending in XXXX ) - {$110.00} Quicksilver ( ending in XXXX ) - {$56.00} In addition, my three credit cards were placed in " restricted '' mode, preventing me from using them. 

On XX/XX/2022, I spoke with a Capital One representative in their Fraud Department ( name ). She reiterated that they needed to speak to the bank of my relative ( who paid the balances ). My family member is not comfortable doing this. The payment was accepted and funds were withdrawn from my family member 's bank account ( XXXX XXXX XXXX XXXX ) and applied to the Capital One credit cards ( all paid in full ). Please note that XXXX XXXX XXXX XXXX does NOT have an issue with the funds transferred to pay off my Capital One credit cards. The Capital One representative, hung up on me when I informed them that charging me interest on a ZERO balance is illegal and I planned to pursue legal action unless they removed the interest charges immediately. She refused to remove the interest charges until she spoke with my family member 's bank ( family member uncomfortable with that ). She stated it was " Capital One 's policy '' to get verification from the paying financial institution and until they had that, they would continue to charge interest ( again, on a zero balance - these cards were paid off XX/XX/2022 ). I informed them that it doesn't matter what their policy is. It is illegal to charge me interest for a credit card with a zero balance. Either they took the money from my family member 's account and did not apply it to pay off these cards ( where is the money? ), or they used the funds to pay the balance in full and are charging me interest ( on what basis? ). Neither representative I spoke with could answer any questions about the status of my account. 

To date, I have had two conversations with Capital One representatives attempting to resolve this matter. My requests for information about my account ( why they are charging me interest ) have gone unanswered. This month ( XXXX ), I was charged nearly {$170.00} ( see above and attachments available ) in interest. And as of this writing, I have been charged a {$40.00} late fee ( XXXX XXXX card ).
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-06
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. (TN)

This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report immediately.
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX # 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
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

Citibank is now making false reports on the consumer banking reports about individuals. Citibank locked my 2 accounts and 1 without my knowledge, have now reported false information on the consumer banking report. I was trying to apply for another banking account with XXXX Bank and the report came up with fraud and saying I had committed the fraud. The bank refused me an account because of this. 

This is false information they are reporting on me. Someone committed fraud on my bank account, and I reported it. So, they claim they are not done with the investigation. It is enough you steal customers money and hold their money captive. Now you are making false reports on consumers.
Consumer complaint received 2020-07-30
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MA)

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/2020 for 30 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.