davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

case # XXXX To whom it concerns ; My account was hacked or somehow compromised on XXXX XXXX for the amount of XXXX to pay a apple card last XXXX ending XXXX, the next day XXXX 2023 the amount of XXXX was paid to an apple card last XXXX ending in XXXX... I have never owned a apple card in my life or had a XXXX sacks account, been a gold member of your bank for approximately 38 years. I have contacted fraud division of bank of america several times and was told they will review it again immediately, yesterday received a letter stating it was denied, so I called back and was told that's not the way the do that I have to submit this in e mail, was told this 1 week later..My account was left with XXXX dollars which was not enough to pay my own bills, I am a senior citizen, XXXX vet on a small pension, I had a major XXXX XXXX 5 years ago and this is not helping, too much stress from this. XXXX things, my phone was stolen 6 months ago in XXXX. XXXX XXXX XXXX XXXX ago I opened a cd from the hermit branch and after that my account was violated.Ive repeatedly asked to be notified immediately, and received a letter in the mail 2 weeks later. I have contacted the police and have a file number of # XXXX out of the perris sheriff station. Also contacted the Consumer Financial Protection Bureau with a complaint number XXXX. Have been into the branch manger in XXXX for help, to no avail. I have also contacted the XXXX XXXX I at XXXX. This is a hardship for me i am pleading for help Please contact me asap my phone is XXXX, you have my email XXXX. I have also contacted XXXX XXXX and they verified no account, then contacted XXXX card and verified no account in my name in my name. I am desperate and please need your help Sincerely XXXX XXXX
Consumer complaint received 2020-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

CFPB XXXX I XXXX XXXX XXXX state this letter is a second request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : 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. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful  search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (TX)

I have already placed a fraud alert on my credit report due to someone stealing my identity. After reviewing my credit report i see that i still have issues with identity theft. there are several things reporting under my credit that was not opened by me nor authorized by me. I have listed those accounts here in this report and i will list the additional accounts that are fraudulent along with addresses that are not mine. I also filed a police report and i will list the incident number below. Addresses : XXXX XXXX XXXX XXXX, NY XXXX Additional accounts : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Please remove these accounts from my credit report it is stopping me from buying a house and other things. This information does not belong to me. The police report incident XXXX
Consumer complaint received 2021-11-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GCFS, INC. (CA)

A renewal of judgment was filed, after tXXXX XXXX XXXX XXXX  years and payments totaling over XXXX}, XXXX the balance owed is {$XXXX}. Yet a letter was mailed stating the outstanding cost of {XXXX}, but the total balance is {XXXX. Another letter was mailed stating it was $ XXXX. 

XXXX practices of depriving ones rights, without due process of law are their inconsistency of practices by denial of the adequate opportunity to be heard, by improper serves Denial to disclose the original contract or if it is written they are authorized to continue accruing interest of the charged-off debt. 

XXXX does not provide monthly or periodic billing statements to validate their claim so, you never know the account status. Other than as I learned when they go to sue you again after XXXX years. 

Their statement and motto as written : The life of a California judgment is XXXX years. 
It is our policy to renew our judgments every XXXX to XXXX years indefinitely. Is intimating and convoluted form of harassment. 

XXXX has taken the same practices as XXXX XXXX, by being a third-party collector. I am not sure they are able to collect on top of interest. XXXX should have been included with the XXXX XXXX lawsuit. Because they are XXXX XXXX under a different name and collections practices.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Servicer Select Portfolio Servicing ( SPS ) Loan Number XXXX @ Property Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Alleged servicer is engaged in Consumer Fraud for asking to pay without any Mortgage Statement and Balance in Violation of RESPA. I am being forced to sue Servicer Select Portfolio Servicing for Consumer Fraud and RESPA violation. Servicer Select Portfolio Servicing ( SPS ) is not a true servicer rather it is shady, illegal and foreclosing operation and its whole purpose is to Manufacturer Foreclosure by Fraudulent Means, as evidence gathered from many people who had loan serviced by. Furthermore, for XX/XX/2020, I have paid to the previous Servicer - XXXX on XX/XX/2020.
Consumer complaint received 2019-10-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: United Built Homes LLC (TX)

Myself & 2 other females contracted United Built Homes to start  construction on my property on XX/XX/XXXX. First 6mos. no interest. We were prequalified for a 3.75 % int.rate ( the house had to be completed before XX/XX/XXXX ). In XX/XX/XXXX, our int. rate was 6.50 %, house not completed. In XX/XX/XXXX, one of co-owners died, reducing our income {$1100.00}. Three days later, our int. rate jumped to 9.47 % because we had not refinanced with our pre-qualified lender We tried to abritrate, explaining oc the co-owners death. We asked about finishing our home so we could get our Cert.of Occo
Consumer complaint received 2019-08-24
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: SYNCHRONY FINANCIAL (AL)

I saw two inquires on my report that I don't recognize I need each of these inquires to be removed off my report immediately. I called each company to inform them about the matter but still haven't been helped.
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Senior citizen victim of social security gift card scam on XX/XX/19 where I had to purchase gift cards and scratch them, photo them and email to scammer at : XXXX. 
I was told by scammer my SS # was used in criminal activity and in order for me to be issued a new number I had to do what they told me. 

Chase Credit card was for {$4000.00} in XXXX XXXX gift cards.. I called the credit card on XX/XX/19 and wrote to them on XX/XX/19 after I received letter from Bank stating the charges would appear on my statement because I had made the purchases. I also wrote letter to president of XXXX XXXX and asked them to give me credit for the scam gift cards. NO REPLY to me to date. 

I now know this is a scam from calling social security office, but at the time it happened to me the number on the phone was from social security so I fell for the scam.
Consumer complaint received 2020-03-31
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)

sent ftc violations previously on these accounts The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices XXXX XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX/XXXX Unauthorized charges
Consumer complaint received 2020-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I was alerted by my credit monitoring system that my credit score decreased significantly and I had 12 missed payments. I immediately looked at my report and saw Navient my Student loan servicer reported my accounts were 90 days past due. I am on a income repayment plan and my payments have been zero each month. When I called Navient in XX/XX/XXXX, they stated I failed to renew my income repayment plan I never received anything from them stating I was up for renewal. Navient stated they emailed me as that was my preferred method of contact. I told them no I updated my mailing address which you have on file the email address is no longer able to receive emails. I was told I had to ask for a forbearance if not my account would continue to report negative to the credit bureau while I renewed my income based repayment plan, so I did. I disputed being 90 day late on my 12 student loans with all three Credit bureaus, however each time Navient reports back they have stated my balance increased by ( as example XXXX on one loan, XXXX on another ) etc. With the payment rating still showing late. They capitalized on interest loans from when I graduated XX/XX/XXXX until now have XXXX in interest charges.
Consumer complaint received 2019-02-16
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. (TN)

I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. 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. There are also some inquiries on there that I know nothing about. XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2020-03-29
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: EQUIFAX, INC. (FL)

I've recently sent out three disputes about my XXXX XXXX car loan with XXXX, XXXX  and Equifax. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my XXXX  and account the total of the balance has been set to {$0.00}.
Consumer complaint received 2024-09-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

For almost one here now Ive been arguing with synchrony XXXX that they open without my permission asking them to provide documentation they tell you guys that they provide a documentation. They did not even call or send me a letter of no documentation. They are keeping this fraudulent account open and look in the money from me. I need legal action to know to be taken against synchrony Bank.
Consumer complaint received 2021-01-29
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: CORELOGIC INC (CO)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-05-25
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: EQUIFAX, INC. (FL)

XXXX Account Number XXXX Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance : {$1300.00} This debt continues to remain on my credit reports after working with the credit bureaus to get it resolved. There is no phone number or proper information letting me know anything about this collection. I am not even familiar with this debt, it needs to be removed. This is negatively affecting my credit score. It should no longer show on my Equifax and XXXX credit reports.
Consumer complaint received 2020-03-31
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. (TX)

sent ftc violations previously on these accounts The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX/XXXX Unauthorized charges
Consumer complaint received 2019-02-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

SPS Select Portfolio Servicing, PO Box XXXX, XXXX XXXX XXXX, Utah XXXX are attempting to collect XXXX XXXX dollars for a mortgage that no longer exists. This mortgage was a result of an Identity Theft Fraud/Forgery prosecuted by the U.S Attorneys Office in NYS. The mortage was vacated by a XXXX Supreme Court Judge in XX/XX/2013, yet they continue to bill, attempt to foreclose, attempt to lock out owner, winterize the property and change the locks, serve documents to the wrong address. They have trespassed, harrassed and continue their predatory aggression even after being put on notice by an licensed Attorney. They have issued home owners policys in our name, Even after being served with proof the home was already insured. Given our correct address and phone number and asked to remove the erroneous file. They have assessed taxes and fees and post transaction acceleration fees even though they are illegal in NYS. They have not deceased attempting to collect a debt that does not exist.They have trespassed in attempts to lock us out of our home, board it up and change the locks. If my realtor was not there, they would have succeeded.
Consumer complaint received 2020-06-27
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. BECAUSE OF THIS IT HAS LEAD ME TO MY ONLY OPTION OF SENDING DISPUTED TO HAVE THOSE DEROGATORIES BLOCK AND DELETED OFF MY CREDIT FILE. 

I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT FILE AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX I am currently XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX. 
Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 2019-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (MO)

On Saturday XX/XX/XXXX, I signed an agreement to purchase a used XXXX XXXX XXXX at a purchase price of {$10000.00}, with a rebate of {$2700.00}, plus a down payment of {$400.00} which would make a balance to be financed of {$7600.00}. I received my first payment invoice on Thursday, XX/XX/XXXX, indicating my first payment of {$350.00} would be due on XX/XX/XXXX. After reading further I noticed a balance of {$13000.00}. I never received a copy of the Retail installment contract and security agreement. I recall being told that the purchase amount would be financed at XXXX percent for 36 months. After reading that {$13000.00}, as the balance, I further learned that {$350.00} was for 72 months, not 36. I would not have agreed to that. I would be paying over {$25000.00} for this vehicle. I can't seem to get anything done with the dealership or Volkswagen credit. Please help me resolve this matter. I'm not paying {$350.00} for 6 years. 36 months is reasonable. Please assist me in getting this straightened out before my first payment is due.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXXXXXX
Consumer complaint received 2020-11-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (GA)

Discover Financial Rep responded from Delaware and he indicated he would let me know why I was turned down. He did not, just sent the attached letter -- indicating I call XXXX. They had one error on there and I have just disputed it. It was a mistake and a letter went to XXXX  prior to this to tell them to remove it, they didn't look at the letter. 
I meet the credit scores even with this on, but it will be taken off as well. 
I have attached the letter from XXXX at Discover, no indication as he stated in his response back to CFPB. ( if it lets me attach )
Consumer complaint received 2020-11-18
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (NY)

I took out 2 student loans with XXXX XXXX that were relatively low. About {$6000.00} for each. A few years later XXXX XXXX turned into XXXX and they said I took out loans for XXXX each from XXXX XXXX. They did not have my correct address, or even the school I went to. XXXX stated that they sold the loans to a collection Agency called EOS CCA but that company had " gave the loans back to XXXX ''. They are both currently on my credit reports and both company 's are trying to collect for the same debt! When I called the credit bureaus, they stated that XXXX had closed the account. Now they are trying to collect XXXX from me. EOS is trying to collect XXXX. They both claim to still hold the " debt ''. All from a XXXX loan. There is some serious fraud going on and these company 's are trying to get over on me.