davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Jefferson capital system, I was notified by the three major credit reporting agencies, the fraud was committed on my person and that the account that they have in their system may be pertaining to fraudulent activity. This company received a complete packet from XXXX which was downloaded to XXXX the other download/upload system. Upon XXXX receiving that information, they contacted this creditor and notify this creditor that identity theft may Exist in this consumer file. This collection agency was asked to conduct an investigation into the consumers fraud claims. The collection company never contacted Investigation and to Fraud and, when Notified that this is a fraudulent debt, this collection agency failed to cease collection activity and investigate the claim. Instead, they felt it would be better just to validate the Debt. 

This debt can not possibly be mine so seen that the perpetrator was caught, prosecuted and convicted. In this court case he stated on the Stan, that he used my information as well as others to make a profit on the Internet. That meant, selling your personal information using your personal information, and profiting from other peoples personal information. 

So it is already a clear violation based on the fact that a criminal was already admitted and been convicted of this fraudulent account.
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MS)

I had a mortgage financed through XXXX Mortgage XXXX XXXX XXXX, IL that served me very well. Recently XXXX sold my mortgage to Specialized Loan Servicing LLC of XXXX, CO. I was notified of this change from XXXX on XX/XX/2022. XXXX even provided an address for Specialized Loan to send the XX/XX/2022 payment. I mailed that XXXX payment but have yet to be contacted via phone, mail, or email by Specialized Loan. As per the periodic statement rule of the reforms passed in the XXXX, I am entitled to a monthly statement from my new service provider, yet I have not received XXXX.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX I # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : Northwest Consumer Dis # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Co XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc. (IN)

I have been in contact with Crypto.com since XXXX, initially contacting them on XX/XX/XXXX. We continued the conversation through to XX/XX/XXXX without resolution in regards to getting me the correct amount for the XXXX XXXX. Conversation resumed on the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Still reaching no resolution, I sent follow-up tickets to check progress on XX/XX/XXXX with continued conversation on the XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX to no avail. At this point, they are only providing the response that my request is being sent to the correct department to be processed.
Consumer complaint received 2022-05-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've contacted XXXXXXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX and Transunion refuse to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do XXXX and Transunion 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am a victim of Identity Theft and this is my personal statement, on XX/XX/XXXX, after I pulled my credit and we review it, I saw multiple collection accounts that did not pertain to me, so on XXXX, XXXX, I started my first dispute with the credit bureaus, unfortunately, after a month I pull my updated credit report, and they still have reporting " PORTFOLIO RECOV ASSOC ( XXXX XXXX  ) '' collection account on the XXXX and XXXX bureaus, I am now reaching out the CFPB, because I need this collection account off of my credit report because, I'm not the debtor of this alleged collection account.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

I applied the AMEX XXXX  XXXX  in XX/XX/2022 with XXXX welcome bonus points. After I met the spending requirement, the company only put XXXX bonus points in my account. I called on XX/XX/2022 and created a case and submitted proper evidence. No one followed up with me and I called back on XX/XX/2022 and speak with agent XXXX ( XXXX ) at XXXX XXXX XXXX. She told me the case was closed on XX/XX/2022. She says there is nothing she can do. This is misleading advertisement. I applied the credit card because they have the highest bonus points but American Express did not fulfilled the bonus.
Consumer complaint received 2024-12-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: FC HoldCo LLC (OH)

In the 2 1/2 years I have had my XXXXXXXX XXXX XXXX I've been consistence in my payment until recently. Due to financial hardship I requested a reduction in my payments only temporarily so, I can be able to make comfortable payments withouth the worry of repossession but they denied my request. I requested the reduction of my payments due to the fact my hours was back to part-time which meant a reduction in my pay which intel stress on me financially and mentally. And with that denial and no options from the financial company they've repossesed the vehicle and ensured a negative impact on my credit and no transportation to and from work and the responsbility of balance of the car loan of a car I no longer can access which I am struggling to figure it out financially, STILL. 

Thank you Sincerely : XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XXXX XX/XX/2022 a person stole my mail from my mailbox. In the mail was a check from XXXX  to me. I know the check was in the mailbox because the XXXX send me an email everyday with the mail I am supposed to receive. The check was then cashed on XXXX XX/XX/2022 at a Wells Fargo Branch. The check was stolen, forged, and converted. That the thief was not entitled to enforce the check or receive payment and that Wells Fargo handled the check after the forgery without verifying the signature or confirming the identity of the person they paid. I filed a police report with the XXXX, Tx policy dept ( Case # XXXX ). The XXXX Police Dept subpeona Wells Fargo for information, but closed the case when XXXX  told them that they did not have video of the person cashing the check. XXXX refuses to reimburse my money to me, saying they are only allowed to talk to the XXXX Police. 

I am getting screwed! Can you help?
Consumer complaint received 2022-11-08
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. (GA)

Hi I am submitting this 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 more than XXXX times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. 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 XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a XXXX 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 XXXX now im homeless n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help
Consumer complaint received 2022-05-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have several rental properties. XXXX with XXXX  XXXX  both are conventional loans I also have one conventional loan also with XXXX  XXXX. XXXX was very streamlined, and pretty accurate on handling everything including the credit reporting. However, XXXX did not report the same as XXXX  XXXX  on credit reporting. I started all 3 at the same time ; the same processes, same payments, same modification and was not in default or late on any of my mortgages when I started the forbearance process. I completed the modification program and even paid an extra payment that I was not made aware of when going into the modification process. This was probably missed by a lot of other consumers as well because it was not in the primary page disclosing the payment program. It was on a page prior to it that I almost missed because I didnt see it or know to look for it. I was recently denied a loan for two reasons- DTI was too high and my mortgage reporting from XXXX was not reflecting as XXXX reported my XXXX mortgages. XXXX said they had to report as it was delinquent during the processing of my modification. Which I believe is incorrect according to the Covid regulations. They also did nothing to help with the rate or terms of my mortgage as XXXX  did. I didnt even ask them if they were offering but when I asked XXXX they said they dont offer rate and term adjustments.
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Parkway Financial Group, LLC (TX)

During my mortgage process, my lender ( Inspire Home Loans ) representative promised that the builder 's incentive is going to be {$10000.00} if I use builder 's affiliated lender ( Inspire Home Loans ). When I was in the process of shopping for the mortgage, Lenders representative ( XXXX XXXX ) sent me a side-by-side comparison which included {$10000.00} in builder 's credit. ( Supporting documents are attached ). I reconfirmed with XXXX that the contract that I signed showed {$5000.00} in builder 's credit but she reaffirmed that the builder 's credit has been increased to {$10000.00} to keep the buyers inhouse. I received my final closing disclosures on XX/XX/XXXX which included {$9200.00} in builder incentives and {$1000.00} in lender 's credits. However, lender changed those disclosures at the closing, and I was not informed about that. Lender reduced the builder 's credit to {$5000.00} and manipulated it by applying my real estate agent 's commission as a credit. We had multiples emails exchanged between lender, builder, title agency and realtor and it was confirmed by lender that we can not use realtor 's contribution as builder is contributing up to $ XXXX in incentives. 
Lender keeps denying this fraudulent activity and didn't initially replied to any of my emails and refused to issue the remaining credit of $ XXXX. 

I have attached a copy of disclosures that we signed before closing on XXXX 2022 as our final closing disclosures. Page 2 shows {$6800.00} & page 3 shows {$2300.00} for a total credit of {$9200.00} from the seller. 

These disclosures also show full commission of {$9800.00} on page 2.
Consumer complaint received 2022-08-23
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. (CA)

This is just troublesome! The Credit Bureaus have been ignowing my letters as well as theiur reposibility to comply with the FCRA section 605b! I have been sending multiple letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a vitim of identity theft and that the Items I am disputing were the results of such crime. By th provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX  ) XXXX Balance {$760.00}
Consumer complaint received 2023-04-30
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. (WI)

Since XX/XX/XXXX I became aware that I have been a victim of identity, theft and fraud. Someone has my drivers license number and a fake ID and is trying to open up accounts in my name. They are using a Social Security number that ends with XXXX which is not my Social Security number. I have froze my credit with credit reporting agencies however, sometimes they still pull my credit. I am disputing these erroneous pulls.
Consumer complaint received 2022-11-08
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. (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 XXXX : # XXXX, XXXX XXXX XXXX : # 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 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 2022-08-16
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)

COMPANY EQUIFAX IGNORED MY IDENTITY THEFT AFIDIVIT FOR FRADULENT INQURIES! THIS IS AGAINST THE LAW! I DESERVE COMPENSATION AND REMOVEL OF THE FOLLOWING INQUIRIES. 

XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

Pursuant to the attached letter, as an added insult to injury, even though TD Bank unilaterally and on their own decided to abruptly close our bank accounts in retaliation for our filing customer service complaints with the XXXX XXXX XXXX, CFPB, and XXXX Department of Financial Services ( amongst other agencies ), they also closed our attendant merchant credit card acceptance accounts as well. 

However, they left open the really horrible part - that these " merchant accounts '' are still " open '' for disgruntled past clients from as far back as 6 months to 1 year to file " credit card charge backs '' in the tens of thousands of dollars, and we have no way of either : ( 1 ) knowing about it ; ( 2 ) responding to it ; ( 3 ) finding out about it ; and ( 4 ) presumably would only discover it once the XXXX thieving former clients or the TD Bank itself obtains a default judgment against us and places a lien on our current, new bank account ( s ). 

Please investigate this shady bank, and its equally shady, deceptive, retaliatory business tactics.
Consumer complaint received 2022-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AR)

I downloaded XXXX XXXX  & noticed that I have a DEROGATORY MARK!? from debt amount owed to XXXX, so I looked into it further & it was submitted from the XXXX XXXX XXXX XXXX. {$150.00}. So I disputed because if & when I even had this appointment -I HAD/HAVE insurance.. & it definitely would have been covered under. So I filed a dispute because when I researched further the date of service is a date I didnt even have an appointment on..?! So I kept disputing & they made their decision - from documents or info provided by the company so now I am stuck with a derogatory mark for reason unknown! I had no clue of this until downloading XXXX XXXX
Consumer complaint received 2024-10-30
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: Experian Information Solutions Inc. (NM)

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.

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.