davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-05-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Resources, Inc. (PA)

We applied for a VA construction loan through our broker ( XXXX XXXXg ) and AFR was the lender. We had an issue with AFR from the beginning when AFR refused to agree on a draw schedule for our builder. The builder says they have never in their 20 years of building experienced this so we naturally were upset and we sent a complaint to AFR regarding the issue asking them to please work with our builder. Then we were days away from closing and AFR decides that they have refused to accept our garage ( built new in 2011 ) as equity. Which the appraiser, broker, and builder all said that in their 20 years of service they had never seen a lender not accept a garage as equity. Also, in the VA Loan Handbook the lender is required to give value for buildings on the property. The lender was made aware of the VA policy but still refused to consider it as equity.
Consumer complaint received 2019-05-15
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. (IL)

TransUnion Inquiry XXXX XXXX- Inquiry from XX/XX/2019 Institution Information XXXX XXXX XXXX , ND XXXX ( XXXX  ) XXXX This company pulled my credit without my authorization/notice, i contacted the company multiple times by calling and sending letters and i have yet to receive a reply. I'm trying to inform them that this has to be a misunderstanding or fraud. I'm at the point to where i'm going to report this company for fraudulent activity ( Pulling credits without the person permission ) if my issue can not be resolve this time around.
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im part of a group on XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I applied to a job posting via email. I was offered a position where I was told Id be paid $ XXXX/wk to have my car wrapped for their sports drink company. They sent me a check for {$2300.00}, which I deposited and had me send a XXXX payment through my bank account for {$1700.00} to the installer. I sent the XXXX payment on XX/XX/XXXX at XXXX. Shortly after, I realized it was a fraud when they asked me to send more money, this time they asked via text. The text was full of grammatical errors and didnt sound like a business at all. Upon learning this I contacted my bank ( Bank of America ) and XXXX. This was at XXXX on XX/XX/XXXX, less than nine hours after sending the payment. I told Bank of America of the fraud and asked that they reverse the {$1700.00} immediately. They said this isn't something they can do so I contacted XXXX. XXXX said the money already went through, said there wasn't anything they could do and transferred me back to Bank of America 's fraud department, which was closed for the day. Everyone I spoke to knew exactly where the money went ( a XXXX account ) but refused to get it back. 

I contacted Bank of America once again on XX/XX/XXXX at XXXX to file a claim and to inform them that I believed I was given a fraudulent check. Their response was that once the check was bounced back, they would shut down my account ( once the claim has been closed ) because that's standard practice when that happens. So not only was my account overdrawn when the check was proven to be fraud & the {$1700.00} wasn't returned.. but now I was being told that my account ( that I've had since XX/XX/XXXX ) would be shut down. 

I've learned that XXXX, unlike XXXX, has no fraud protection but instead perpetuates fraud by giving scammers a platform to conduct their business. Not only that, Bank of America ( and other banks ) support this by offering XXXX on their apps. I'm now aware that this has happened to many people through XXXX and it's ridiculous that they haven't changed their policies to protect their consumers. 

.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (DC)

On XX/XX/2019, I learned a credit account had been opened in my name at Barclays Bank. The card had an outstanding balance of {$15000.00}. I called Barclays Bank to notify them of the fraudulent account and was told they would investigate. I completed an Identity Theft Report at the Federal Trade Commission website. I printed the report, sent it to Barclays along with a letter requesting the account be closed and reported as fraudulent to the credit bureaus. I froze my credit report at all 3 credit bureaus and mailed them the identity theft report along with a request the account be removed from my credit report. On XX/XX/2019 I filed a incident report at my local police precinct and a police report was issued. I faxed the police report to Barclays on XX/XX/2019, then followed up with a phone to Barclays on XX/XX/2019. When I called I gave the representative the name and contact information for the Detective assigned to the case. As a result of the Detective 's investigation an arrest warrant was issued, an arrest made, and a guilty plea entered in court. The guilty plea was entered on XX/XX/2019. On XX/XX/2019, Barclays called me to inform me they had completed their investigation and determined the account was valid. On XX/XX/2019, I faxed additional documentation to Barclays, including a letter for the US District Attorney 's office documenting the guilty plea on the charge of credit card fraud. On XX/XX/2019, I called Barclays to follow up, according to the representative, the documentation faxed XX/XX/2019 had not been reviewed, but would be forwarded to the investigations team. The account remains under review. Over the last 3 months, I have received 2 letters from Barclays stating their investigation was complete and the account is valid. I have spoken with multiple representative who claim that purchases made with the card, including groceries, were household items and therefore I am responsible for the account. Every time I call Barclays, I am place on hold multiple times, transferred at least twice or asked to call back at another number. When I call, I never speak to the same representative more than once.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Amsher Collection Services, Inc. (CA)

I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.This company is calling no answer really early and really late night.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-05-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have inaccurate information on all three of my credit reports ( XXXX, XXXX, and Transunion ) which I have disputed with XXXX  XXXX. I do not have a contract with XXXX XXXX ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to XXXX, XXXX, and Transunion to send me proof of my original contract with XXXX XXXX or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

They are listing a business that ain't real with my personal info which was stolen and misused. I keep asking them to delete it They keep sending auto responses instead of addresses my concerns. The business the have listed on their site XXXX investments is not a company and they are displaying my personal address. They have 2 profiles created with random information of me under XXXX investments that they have no authorization for
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 COMPLIANCE PLEASE ASSIST ME ON REMOVING THESE ACCOUNTS. THANK YOU.
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-12-30
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. (IL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (MO)

in XXXX of XXXX  we closed our mortgage with Pentagon federal credit union, after a 6 month process of misguided, multiple contact failures in their process. At closing the title co paid the taxes XXXX XXXX in the amount of {$3900.00}. This shows up in the county record as the title co paying this amount. 
On my XXXX penfed mortgage statement they show a disbursement for the same amount to the county that was paid on XXXX for {$3000.00} the county refused the payment, because it was already paid. 
My escrow had a negative balance till XXXX. The XXXX statement showed a $ XXXX deficit in escrow. 
Even though I have asked multiple people to fix the problem and find where the check number went that was issued to the county, they will not accept responsibility, nor put me in touch with some one who can. I think they owe me interest on the money not in my account as well as an effort to fix the problem. They just sent me an increase in payment statement for {$500.00} more per month to fix the problem they won't. I have spent hours on the phone trying to get som one interested in this problem.
Consumer complaint received 2022-10-18
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. (NV)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the written requests, the unverified items listed below are reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed items which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$740.00XXXX XXXX Date of inquiryXXXX XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (NC)

In XX/XX/XXXX I refinanced a beach cottage that I have owned for 15+ years with Movement Mortgage. When I did so I was surprised they required me to increase my flood insurance ( even though the insurance had been fine for the prior 15 years, even when the mortgage was larger ). The terms were so good with Movement I increased the insurance as they required. I submitted all documents to the processor - XXXX XXXX - he processed them. Closing went reasonably well and the loan was issued ( # XXXX ). Then the issues started : 1 ) A month later ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX stating that I had inadequate flood insurance. They had the original amount not the new increased amount. I forwarded that to XXXX on XX/XX/XXXX and he apologized for the error, said it would be fixed. 2 ) On Saturday XX/XX/XXXX I got a second letter dated XX/XX/XXXX again stating I had inadequate flood insurance. On Monday XX/XX/XXXX I sent this to XXXX again and he again apologized, assured me all would be corrected. 3 ) On Sunday XX/XX/XXXX I got in from a weekend trip to find a letter dated XX/XX/XXXX stating Movement had force placed flood insurance on my home. On Monday XX/XX/XXXX I again send the letter to XXXX with the expectation by XXXX Wednesday XX/XX/XXXX it would be corrected, I would have documentation it was corrected, and any premiums / interest / etc would would be refunded in full or I would escalate. Again he apologized and provided that requested information by Wednesday XX/XX/XXXX XXXX. 4 ) On Tuesday XX/XX/XXXX I received yet another letter dated XX/XX/XXXX stating my home was underinsured for flood insurance and they may force place it on my home.
Consumer complaint received 2019-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (GA)

Debt recovery solutions keeps sharing on my credit file that I owe XXXX XXXX XXXX a debt of XXXX. I do not have any knowledge of this debt. I have not seen a XXXX XXXX  other than my XXXX XXXX XXXX in many, many years but they still keep putting this on my credit report. Now my credit report states that I have owed the debt since XXXX, 2019 which is a complete, fabrication. I have no idea who this the original creditors are.
Consumer complaint received 2019-05-15
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: AMERICAN HONDA FINANCE CORP (MI)

XXXX has refused to correct my account which has a delinquient account on a vehicle lease from 2012. 

They continue to show it was a collection account and charge off. 

I constantly have written to challenge and it is incorrect. 

The adverse account is listed with American Honda Finance
Consumer complaint received 2019-05-15
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 (TX)

I signed up for a XXXX XXXX branded American Express Platinum card in XX/XX/XXXX. As part of that sign up, I received XXXX Membership Reward points for spending {$5000.00} within 90 days of account opening. 

On XX/XX/XXXX my account was closed by American Express. The reason given was that " XXXX XXXX '' requested my account by closed. 

My account was in good standing at the time and I did not request that my account be closed. 

As part of the account closure, American Express " clawed back '' the XXXX points for the Welcome Bonus.
Consumer complaint received 2023-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IA)

Account permanently limited and my funds of {$590.00} are locked in the account for 180 days. I would like the money released sooner if possible. I do not think I broke any terms and conditions.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (NY)

In XX/XX/2018, XXXX, a company our office used to pay our office rent, mistakenly made two withdrawals from our checking account on the same day. I knew nothing of their error until TD Bank sent me an overdraft fee for my home mortgage, which was on automatic payment. XXXX reimbursed me for the fee, but it wasn't until recently when I tried to refi my mortgage that I discovered that TD had also reported the late payment to the credit bureaus, which impacts the amount of interest I will have to pay on my new mortgage. My credit scores are XXXX plus, except for the kind of score that XXXX XXXX uses, which had been impacted by the TD report. I finally, after almost a month of searching, was able to get hold of XXXX XXXX, an assistant Vice President in TD 's Chairman 's Service Center. She saw that I had never been late late in my mortgage payment prior to this, and I was never subsequently late. She told me to get a letter from XXXX acknowledging its error, which I did, and forwarded it to her, along with a copy of the {$35.00} check that XXXX had sent as reimbursement in 2018 for their mistake. About two weeks ago, she called to tell that the Operations Dept at TD refused to ask that the black mark they had submitted to the credit bureaus be deleted. Their reason was : they didn't make the mistake : it was XXXX. But it was TD that had submitted the black mark to the credit bureaus without notifying me.
Consumer complaint received 2019-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Garrison Investment Group (NJ)

Me and my husband took this loan out to pay for our roof. I had setup automatic payments of {$200.00} sine XX/XX/2018 with no issues. Then something happened where the payments weren't being taken out and I never changed anything. Then I notice that my account was past due and I immediately made a payment. I don't think that it is fair to have reported us late when we never took the account of automatic payment. Now I am scared to put it back on automatic payments because I don't feel that it will get paid.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.