davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NY)

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Sunrise Credit Services , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving Sunrise Credit Services , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Sunrise Credit Services , Inc XXXX If Sunrise Credit Services , Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Sunrise Credit Services , Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sunrise Credit Services , Inc continues its collection efforts, I will file for litigation for actual damages caused and Sunrise Credit Services , Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I was a victim of Identity theft. My bank account has been Hacked online banking. My money was stoled out of my bank account from TCF bank in XXXX and XX/XX/XXXX, The Huntington National Bank took over TCF bank. {$120000.00} was wire taken out of my savings and checking account. 
Dates shown the money internet wire stoled are : {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$8400.00} from XXXX XXXX XXXX XX/XX/XXXX {$16000.00} from XXXX XX/XX/XXXX Two Forgery Checks cashed sent to me : check no. XXXX XX/XX/XXXX {$7300.00} check no. XXXX XX/XX/XXXX {$4500.00} I have Never made any of these transactions listed here that The Huntington National Bank said that i did. I have signed a sworn Identity Theft Affidavit given to The Huntington National Bank, stating all facts true full!
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NC)

GM is reporting inaccurate information to credit bureaus. Based on documents from GM they are in violation of the FCRA for reporting inaccurate information on my file. After numerous disputes with the bureaus. Contacting GM about the situation both refuse to follow the law set forth in FCRA. GM has verified false information but more unethically updated its mistakes based on the documents of proof I provided to the credit bureaus during my dispute process. They continue to report the charge-off amount falsely. The amount that was charged off is XXXX as provided in documents provided to me from GM Financial. No matter how times I have provided this information to the bureaus they allow GM to verify a totally different amount which is the definition of inaccurate.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, car was paid off to XXXX. XXXX XXXX has reported to only one credit agency that the payment was settled as agreed and has reported, kept the report, as a charge off on 2 other credit agency lists. XX/XX/XXXX update to my report : it says, paid in settlement XXXX written off. The correct thing is to have it show, paid. XXXX balance. That is what an employee of the creditor told me it would say. I have his name and phone number if it heIps. have disputed and sent emails and called XXXX to request my credit be corrected and updated and if unable then want it removed. nothing has happened and I have been denied a mortgage because of the charge off status. i have the letter from XXXX XXXX and XXXX stating account is closed and paid. what more proof is needed for the agencies and companies to correct their error?
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK (LA)

On XX/XX/XXXX, my insurance agency sent a Letter of Confirmation of Coverage and a Binder to my mortgage company, Hancock Whitney bank, requesting payment to XXXX XXXX XXXX for a new insurance policy. Payment in the amount of {$4400.00} was again requested by my insurance agency to be overnighted to XXXX  XXXX on XX/XX/XXXX. There was no contact between XXXX XXXX and either myself or my insurance agency from XX/XX/XXXX to the afternoon of XX/XX/XXXX ( Friday ), when Hancock Whitney notified my insurance agency that it needed a Declarations Page/invoice and a verbal agreement from me to pay the insurance. By that time, the property insurance policy had lapsed, and I was uninsured due to XXXXancock Whitney 's failure to pay the insurance premium. On XX/XX/XXXX, Louisiana 's insurance rates were raised 60 % or more, and now the same policy I had received for {$4400.00} is {$10000.00}. 

Neither my insurance agent nor myself were contacted once between XX/XX/XXXX and XX/XX/XXXX that Hancock Whitney needed a Declarations Page/invoice or verbal approval from me in order for Hancock Whitney to pay my insurance premium. Hancock Whitney has admitted as much, and has admitted that it is their fault that the insurance was not paid. However, I have been told that I have no recourse, and I am now left responsible for the {$6000.00} increase in my insurance due to their fault. This is gross negligence on their part, and a clear violation of 12 C.F.R. 1024.17.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: INTERNATIONAL BANCSHARES CORPORATION (TX)

On XX/XX/XXXX of 2022, I had done XXXX transactions. The amount was {$21.00} through XXXX. The others were {$21.00} through XXXX XXXX. I was supposed to have sent {$40.00} to a seller for some virtual items for a video game, but we were having issues getting the last {$20.00} to them so we had to use XXXX XXXX. 

The reason there is XXXX transactions is because I had sent the money to a receiver that the seller told me to send the money to, but after I had sent it, said the receiver was having issues retrieving the money. They gave me another person 's information to send the money to. However, the seller never gave me the virtual items and I had to file a dispute with my bank - International Bank of Commerce. On top of this, the seller suddenly disappeared from social media so it wasn't as if I could easily get my money back. I explained the situation to IBC and they gave me temporary credit. 

Now, over the weekend, I was given a letter saying that they were going to remove this temporary credit on XX/XX/XXXX because they found no errors in that instance. It is currently XX/XX/2022 at the time of me typing this out. I called IBC and asked why they would do this because I still don't have the items and the seller still disappeared. I can't even get a hold of them. They then said that the situation was out of their hands and I would have to contact local law enforcement. 

I contacted local law enforcement and they looked at me very confused. They actually told me there was nothing they can do because it was through XXXX XXXX. Essentially, I am now out of the total amount of {$65.00}. I am very mad that I was not prot

ected AT ALL by IBC Bank and I am demanding my money back. Now that I know IB
C Bank does NOT care about your money or the consumer, I will be closing the account soon once this matter gets resolved. DO NOT bank with them.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have noted an unauthorized inquiry on my credit profile. Transunion has failed to remove the unauthorized Fraudulent inquiry. This inquiry should be removed immediately because it was not authorized by myself.
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-05-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

I was reluctant to sign a loan modification really I was compelled to do when I didn't agree with any of it. I felt they've been dual tracking since I wasn't on the loan just the title I wouldn't have any rights once it went into foreclosure and I had to stay on top of it. 
I was in COVID-19 forbearance for 11 months I wanted to leave the forbearance period in XXXX ' and begin my regular payments XX/XX/XXXX ' although, didn't communicate it to the servicer until XX/XX/XXXX ', I had been waiting to hear from them with a loan modification to sign. They begin stressing me XX/XX/XXXX ' when they cut my initial approved 6 month forbearance period to 5 months therefore, on XX/XX/XXXX ' I decided to take my own action as how I wanted to come out of forbearance which was 10 months forbearance modifying the missed payments and giving them 3 of my regular payments to cover XXXX thru XX/XX/XXXX '. 
Nonetheless, it didn't matter they ignored what I said and told me to send the 3 payments then mentioned the loan modification as though they had it done in front of them. I didn't send them the 3 payments by certified check for 2 reasons. First I felt they were going to pay the latest of the payments missed keeping me in foreclosure status. Second I had to call back to ask if they would be able to sign XXXX Loan Servicing instead of Lakeview Loan Servicing because the signature on the certified check was non-negotiable, I was told they would just send them back to me either way and to deposit them back in my account. 
The loan modification should be just the amount of missed payments I would owe since insurance and tax escrow is in my regular monthly payments it would all be caught up paying the 15 months I owed the amount should have been {$19000.00}. The amount was {$48000.00} which goes as a loan to be paid by the maturity date. My principle went down although the 2 added together brings it to {$200000.00} when it was {$190000.00}. The interest rate went up a point from XXXX to XXXX saving me a whole {$120.00} a month giving them an extra more then {$1500.00} a month. They took all of my equity by adding more then {$13000.00} calling it now money they wouldn't work with what was best for me. 
I truly didn't know what to do before my 30 day deadline was up, I signed to rest assure I wasn't pushed into foreclosure. The whole thing is eating me alive with taking care if my mom age XXXX and XXXX large dogs foreclosure is/was not an option.
Consumer complaint received 2022-05-24
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: TRANSWORLD SYSTEMS INC (NJ)

I filed a dispute for a XXXX XXXX bill that went into collections providing proof of the lease at my next apartment showing that I was not in occupancy at the time of the bills. The bills are a fraudulent use of gas after I was no longer at this apartment. I provided the lease and details to the credit agency and the debt collector and it has not been removed and their latest dispute shows the info valid. It is wrong. I can provide the lease at my next apartment if that is of value, Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : TRANSWORLD SYSTEM INCXXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX
Consumer complaint received 2022-05-24
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. (IL)

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 accounts deleted or updated. This is the itemsI demanding to be deleted immediately :
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a Business Checking account with them back in XXXX and now I'm supposed to receive a {$500.00} bonus. I already submitted a complain here earlier ( XXXX ) and Citi responded finally that they need my EIN number, even though I already provided the XXXX with it back in XXXX when I opened the account in Branch. 

I went back to the Citi branch and filled out the W9 last week. They asked I put my SSN, so i did and then they called back saying they need my EIN number instead. So i had to go back in again to fill it out wtih my EIN this time. In the letter I received from corporate ( attached ), it says to call Citi after doing so and they will pay out the bonus. The investigation done weeks ago already said i qualified for the bonus according to the letter. 

So i called back again, and after being hung up on the first time without saying a word, i spoke with someone who then transferred me twice, i finally spoke with a rep named XXXX XXXX employee # XXXX ) and he kept telling me to go back into the branch again, even though the letter says to call the business line after i submit my W9. He said he couldn't read the same letter i received, but insisted that they couldn't assist me with the investigation. SO i went to the branch again and they told me he was wrong, and I had to call in. 

So now i'm stuck again and have been waiting months for this bonus that i was promised. I call and they say to go in branch, and i go in branch and they say to call.
Consumer complaint received 2022-05-24
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Pennsylvania has violated my rights. 

15 U.S.C 1681 section 602 A ; States I have the to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$960.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}
Consumer complaint received 2022-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MO)

At the beginning of 2017, I filed a complaint with cfpb regarding misinformation from a XXXX agent which resulted in a substantial increase in interest accruing on my student loan balance. I have attached a copy of the initial complaint for reference and the details surrounding my case. I have not received any response from XXXX other than the suggestion to follow up by phone, and unfortunately I am still in a state of " limbo '' as XXXX no longer holds my loan and the cfpb status link from the original e-mail does not work. It's a shame that servicers like XXXX can misinform young adults that are just graduating and consequently those servicers profit by misleading students due to more interest accruing.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. 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.