davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP (TX)

In XXXX of XXXX I paid my deceased mothers property tax I got behind the year XXXX XXXX and XXXX I went to the county to make payment arrangements and they sent me to the collecting attorney linebarger I paid XXXX towards XXXX in 10 months time then they sent me a bill for XXXX something more I called the appraisel office and asked where did the money go They hung up on me and call the collecting attorney The collecting attorney calls and says they are going to file in me I thought ok the judge will look at my receipts and help me I find out about court myself was never served never told anything about it I went to court on XX/XX/XXXX and had my receipts and my oncologist filled out a XXXX XXXX exemption form The judgment was already made up BEFORE I even got to court I asked the judge why I was never in formed of the hearing and he help up a paper on a small screen and asked if that was my signature I replied it looked like my signature but I did not sign anything ( it was a waiver ) I noticed when I got home my name was spelled wrong Anyways the judge put a judgment on my house he didn't even look at my paper work The attorney charged me 5 times for the year XXXX and nothing got applied to taxes I am worried that the attorney did not post the XXXX I paid again so they can do a writ of possetion They were also aware that I had the Texas XXXX XXXX XXXX helping me They were just waiting till I got the amount figured out which did not happen The th as paid the whole XXXX Please help me if you can I
Consumer complaint received 2020-11-19
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. (FL)

Hello, I mailed out dispute letters to all 3 bureaus to remove one account and I have received a response from them. My first letter went out XX/XX/XXXX and I gave bureaus more than 60 days with no response. Second letter went out XX/XX/XXXX and still no response. Please have them remove item from my credit report, as you see they even have non matching opening dates of account and non matching closing dates accross the board. This is a 2nd violation of false reporting according to Section 623
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 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 2020-10-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXXBRIDGECREST FINANCIAL. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX/BRIDGECREST FINANCIAL. The car was sold at auction shortly thereafter and XXXXBRIDGECREST FINANCIAL sent me a notice of deficit after the auction sale. Being unemployed and homeless I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company XXXX XXXX XXXX purchased the debt from BRIDGECREST FINANCIAL and is now trying to collect {$17000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. 
XXXX XXXX XXXX is now trying to collect {$17000.00} for a car that BRIDGECREST FINANCIAL sold at auction 5 years ago. BRIDGECREST FINANCIAL DELETED THIS ITEM FROM MY CREDIT REPORT and now XXXX XXXX XXXX is trying to collect a debt on a car which I no longer own for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$17000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$17000.00} due and owing. 

I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX  '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2024-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (NC)

Dear CFPB, I am filing a formal complaint against the Army & Air Force Exchange Service and the U.S. Department of Treasury Bureau of Fiscal Service for violations of my consumer and due process rights in their attempt to collect an alleged debt. 
The notice I received on XXXX XX/XX/year>, failed to properly inform me of my right to request a hearing to dispute the debt, as required by 31 CFR 285.11. It also lacked sufficient information about how the debt was calculated and failed to clearly outline how the timeline for garnishment aligns with my rights to dispute.

Additionally, I never received a 1099-C ( Cancellation of Debt ) for this account, as required under IRS regulations , if the debt was canceled or forgiven. This raises concerns about the legality of the ongoing collection effort and whether federal reporting laws have been followed.
Consumer complaint received 2020-11-08
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. (MD)

Upon review of my credit report prior to applying for a mortgage loan, it was discovered that there were several inconsistencies on my credit report. Disputes were then submitted with Transunion advising of the discrepancies with a request to either A ) verify the information provided or B ) remove said items from the credit report ( this was on XX/XX/2020 ). I had given thirty days to respond otherwise I would be following up. Well after thirty days with no response and no reflection of change on my credit report, I had decided to send a method of verification request to the credit bureaus on XX/XX/2020 with a request to remove the items if they were unable to provide an update on my dispute AND/OR a method of verification as they have already exceeded the timeframe allotted within the FCRA. Responses were then received advising of little or no change however no method of verification was provided to confirm the credit data furnishers were accurate. A letter in follow up to my Method of Verification request was then sent via certified mail and submitted online in the month of XXXX requesting that the inaccuracies be removed from my credit report which return receipts had confirmed were received as of XX/XX/2020. As it has now been a little less than a month since my last request and over four months since my first request, I am submitting a formal complaint in hopes that the CFPB can provide assistance inn the matter as these inaccuracies require to be removed in order qualify for a home loan. I look forward to your response.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

This company allowed someone to add themself to my account online, order a card, use the card for XXXX  XXXX, and have the payments deducted from my business account. When it was discovered, they closed the card and transferred the balance to my card. On XX/XX/2022, they sent me a " Fraud Investigation Form ''. I filled it our and returned it. On XX/XX/2022, they sent me another letter stating that on XX/XX/2022, they initiated an investigation and denied it on XX/XX/2022 because They say " I authorized, participated in, or benefited from the purchase '' ; and that additionally on XX/XX/2022 they sent me a letter IN ERROR advising my claim was provisionally approved. 
I have sent them a response letter stating that 1 ) I never applied for nor authorized another user or card on my account. No one ever called me to verify or alert me, they simply issued the card and, 2 ) these charges were all for personal plastic / cosmetic surgeries/ treatments that were performed on someone else, not me, that did not live with me and therefore did not benefit me in any way. 
To my knowledge, it is illegal to apply for a credit card in someone else 's name. I should not be held responsible for the lack of due diligence by this bank confirming that I was adding an authorized user and card on my account. I have already suffered enough with this considering {$400.00} - {$500.00} a month was coming directly out of my business through ACH for a very long time before it was discovered.
Consumer complaint received 2022-08-21
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. (AL)

Ive reached out to Equifax in a recent dispute and asked for the account with XXXX XXXX XXXX  XXXX to be verified to its completeness and if it couldnt be to 100 % fullness ; to delete the account from my credit report. I received notification that the reinvestigation was accurately completed, but there still remained errors that werent satisfactorily verified. Credit reporting laws ensure that credit bureaus report only 100 % accurate information and that every step must be taken to assure the information is completely accurate and correct. The following information, therefore, is not. The law states that, in general, after every reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that the item of information as appropriate based on the results of the reinvestigation. After the reinvestigation, Ive noticed that the date of last payment is incorrect and that the last due amount, actual payment amount, high credit amount, date of last activity, monthly payment, account status, creditor classification, balloon payment date, balloon payment amount, deferred payment start date, date closed, scheduled payment amount, and charge off amount remains incomplete, in which is inaccurate.
Consumer complaint received 2022-06-23
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. (FL)

in accordance with the Fair Credit Reporting act XXXX  Account Name 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 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

1. On XX/XX/XXXX, I signed a note and mortgage with a 30 year term from XXXX XXXX XXXX XXXX ( that was acting as an agent for XXXX ). 

2. XXXX intended that this loan be a 7 year balloon, but there was never a contract ( i.e. Note ) to support this. 

3. After 7 years of payments, my payment was returned by XXXX XXXX XXXX ( who had acquired servicing rights ). 

4. XXXX XXXX XXXX refused to take payments or negotiate another loan, but also refused to initiate foreclosure ( ~2 years ). 

5. XXXX acquired servicing rights but failed to make a reasonable offer ( just a crazy trial program ). 

6. XXXX filed a foreclosure suit using a blatantly fraudulent note in 2015. 

This is the extremely short version. The full story can be found in the court documents that I have posted on the site : XXXX XXXX XXXX The bottom line is that the opposing litigants have committed multiple felonies during the handling of the case. The experience is quite strange since XXXX was very reasonable.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX has reported a collection on my credit report that was paid by my insurance company. The orginal collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been reported by mistake.
Consumer complaint received 2020-11-19
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: Experian Information Solutions Inc. (IL)

I uploaded a letter to EXPERIANRIAN, XXXX  AND XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Experian sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian doesn't have any files to verify this account, nor will they delete it.
Consumer complaint received 2022-07-11
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. (FL)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Those debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report
Consumer complaint received 2022-06-23
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: CBM Services, Inc. (MI)

In accordance with the fair credit reporting act the reporting of the following have furnished reports has violated each of my rights : XXXX XXXX XXXX account # XXXX, file # XXXX XXXX XXXX XXXX account # XXXX 15 U.S. Code 1681 602 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/2022 chase and XXXX XXXX  XXXX fraud me and scam me they both did XXXX transactions and did not stop them I went to each branch that same day and talked to them i also have police report as well and they just keep telling me it was my fault and they can't do nothing to fix the problem I think they are working together to scam people I'm reporting this to each burea so they can see what's going on with them they are sure making something fraudulent and now I call them and they keep hanging my calls as soon as I give them my information they put me on hold and hang up they can chek there recordin calls and to be honest I feel discriminated as well
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Balance {$400.00} Highest Balance {$400.00} Opened XX/XX/2018 ( 10 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes after resolution Collection account Original Creditor Name XXXX XXXX XXXX
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

I am trying to Log In to Equifax to get my free credit report. My password does not work, the same password I wrote down years ago. 

OK, fine, so I use their system to send me a password reset. 

This is what I get, over and over again. ( See attached ) No code, just a message : " Your Verification Code ''. NOTHING ELSE. I have no idea why. ( see three examples of this attached ). 

I have tried this multiple times and get the same result. 

So I try to call in to speak to someone. They lead me through this entire process then say " No agent can speak to you now ''. OVER AND OVER AGAIN. 

They tell me to mail in documents. WHAT DOCUMENTS?? I AM TRYING TO LOG INTO YOUR SYSTEM. There is no process by mail to get this information. 

Please have them contact me somehow with the email they already have XXXX because I have no way to fix this.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Both customer reps from the 3 credit bureaus XXXX XXXX and Experian as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

1. In/about XXXX XXXX, my wife and I applied to Bank of America N.A . to refinance the loan secured by a mortgage on our home from another bank. We applied via BofAs office in XXXX, NJ where we have for decades maintained a checking account. 

2. The office put us in touch with a BofA lending officer through whom we completed the application process in early XX/XX/2021. 

3. On XX/XX/2021, the lending officer called and later dated XX/XX/XXXX letter arrived, each said our application was denied. 

4. To the question why, the officer replied based on the materials submitted. I asked for an elaboration but she didnt give one.

5. Also during the call, the lending officer refused our request for the materials-whatever the medium or format in which they were created and maintained-that were used in taking the decision to deny us. 

6. She referred us to another BofA person-with the title Assistant XXXX and a different office address- because we wished to further pursue our questions and requests. He did not reply to our written requests for reconsideration. 

7. Despite the lending officers earlier refusals, later that day she sent me an email showing our monthly income of {$10000.00} was {$220.00} less than the required percentage per their underwriting requirements. 

8. Our complaint is based on the fact that BofA omitted the following items from our income shown in the email : Federal tax saving on 15 % of exempt Social Security {$130.00} p.m. 

NJ tax saving on 100 % exempt Social Security income XXXX p.m. 

Federal & NJ tax saving on 100 % of Roth IRA income XXXX p.m. 

Wifes omitted interest income {$25.00} p.m. net of tax XXXX p.m. 

Total {$350.00} p.m. 

9. The omitted items exceed the short-fall by {$120.00}. Therefore it appears our application should not have been denied.