davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

A debt collector named XXXX XXXX XXXX XXXX has been in contact about an alleged debt. There is no contract between XXXX XXXX and XXXX XXXX XXXX XXXX. There has been no proof as to why I am being contacted. XXXX XXXX XXXX XXXX has only shown me an alleged contract from another company and no where on this paper is XXXX XXXX XXXX XXXX listed. To have have my non public identifying information, such as my Social Security Number and my phone number is an invasion of privacy. I have never given consent to receive any correspondence from XXXX XXXX XXXX XXXX. I have also given notice to Experian about this identity theft. I submitted my identity theft report to EXPERIAN with a statement that this account is a result of identity theft. I also requested block on said information which is my right pursuant to 15 U.S. Code 1681c2 ( a ). The fraudulent account was never blocked and I never received notice of why such a block was not done. 

I demand a debt validation as it pertains to the FCRA from XXXX XXXX XXXX XXXX, with a wet ink signature. If this can not be I demand the removal of XXXX XXXX XXXX XXXX from my credit report. 

I demand Experian to send a description of the procedures that were used to verify this alleged debt. If this can not be proven I demand the immediate removal of this fraudulent acct. 

I may add, the date on this alleged contract is in XXXX of XXXX, but doesn't start reporting until XXXX of XXXX. The law states that selling a defaulted note ( no matter who's note it is ) is illegal and both the seller and purchaser are criminally liable.
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXXXXXX XXXX and 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.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (UT)

originally my complaint was that chime banking lost a XXXX XXXX dollars somewhere but upon looking at all my documents not only did someone take XXXX XXXX from my account with no record of where it is but the original deposit amount was not even correctly deposited into my account. along with transaction errors that I was told were not incorrect by chime, also meaning they won't honor thier policy of provisional fees until the mishap was figured out.chime didn't even look into it.they gave it one minute before immediatly denying my dispute. they have ignored phone calls e mails any and all types of communicating effort to look into the matter. they don't have correct transactions they stole my money or letmy account be breached for someone to steal my money.. all around have mishandled my money and won't give any explanation as to where all my money is. my figure is around XXXX XXXX that is gone from my family and with no responsibility or accountability on chime banking end. which I believe is afiliate to the bank corp.this is unacceptable. I had held my utilities at bay for as long as I could waiting for my tax return and when it finally came chime does this to my family.it 's already been hard enough this year XXXX.i now have broken promises to my debts from waiting and they won't wait anymore.this has put an extreme hardship burden on my XXXX kids an myself. this needs to be fixed.
Consumer complaint received 2022-01-11
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. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2022-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

Earlier this year a initially unknown collections company contacted me in an effort to collect on an unspecified debt. They would not prefer further information without providing my SSN. This sounded very much like a scam even after I asked them for further information about the nature of the debt. I refused to provide my SSN and they never offered to send any sort of official documentation outlining the debt. 

They kept harassing me via voicemails and eventually identified themselves as Wakefield associates collection company. They still refused to provide me any further information or proof of this being an official representative of the company, so I continued to rebuff their request for my personal information. 

I have always been responsible and paid my bills accordingly, so I had no idea what this debt could be. My husband and I are in the process of trying to purchase a house and are in the final stages of closing. I was then made aware in early XXXX that my credit score had been affected negatively by a collections agency. In an effort to remove the negative impact on our credit, we paid the collections company immediately. This uncollected bill turned out to be something from my son 's birth last year that we never received. We moved states around XXXX last year and never received any notice from the hospital. I will likely file a separate complaint about XXXX medical billing. 

This has been very frustrating as I feel that we have been taken advantage of and were not provided any documents ( as is required by law ) to verify this debt. Had we been officially made aware of this situation sooner we would have paid the debt in earnest. The fact that a collections for a medical bill less than {$100.00} could jeopardize our prospects of owning a home has been extremely troubling. I have attached the online paid receipt of the collections bill as this is the only shred of paperwork that we have from this company.
Consumer complaint received 2022-01-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NY)

Previous action on this matter is cfpd compalint number XXXX, which no debt validation was given to myself the consumer, law 15 usc 1692 states that congress finds there is abundant evidence of the use of abusive, deceptive and u fair debt collection practices, which contributes to a number of bankruptcies, loss of jobs and invasions of individuals privacy. These laws are set in place to eliminate abusive practices. Truth in lending act gives consumers the right to cancel certain transactions that involve liens on consumers property from the unfair credit practices in the extension of consumer credit. 

TD Auto Finance furnished certain deceptive forms 15 USC 1692j in my consumer credit transaction on XX/XX/2021 creating an unfair practice 15 USC 1692f. Many law violations of my consumer rights have been made against myself the consumer by XXXX XXXX XXXX, listed below are the violations : 15 USC 1692b ( 5 ) 15 USC 1692f ( 8 ) 15 USC 1692c ( a ) 15 USC 1692j 15 USC 1692b ( 3 ) 15 USC 1635 15 USC 1602 ( k ) 15 USC 1692e ( 10 ) 15 USC 1692f ( 6 ) ( a ) 15 USC 1692g 15 USC 1605 16 USC 1692c ( c ) Remedy of these law violations are as follows with regards to my rights of rescission that I never received disclosure for under Truth in Lending in this consumer credit transaction : 1 ) pay invoice that was sent to TD Auto Finance of all law violations 2 ) lien release of XXXX XXXX XXXX XXXX ) removal of this account from all consumer reports 4 ) refund of all payments made to date on account XXXX XXXX ) paid in full letter for account XXXX Exhibits A thru Exhibit H are attached in regards to this consumer transaction to prove the facts in this matter, please see all attachments for proof of law violations and facts in this matter along with an affidavit of truth signed and notorized.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

I did not receive a statement for this card until it was 2 months overdue with 2 late fees. I attempted to check my balance online and their website was down for 2 weeks. I tried to call customer service and was disconnected each time someone " tried '' to help me, after being on the line for over an hour. This has been going on for over a month and the late fees have not been reversed ( when I was told they would be ). I have called 8 times with the same result - call is disconnected.
Consumer complaint received 2022-07-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OCMBC, Inc (VA)

Loanstream has acted negligently with respect to a new FHA mortgage. Property was supposed to close early XXXX. For weeks the lender has delayed, provided no communication, has failed to diligently or reasonably respond to inquiries. Has provided false or misleading information to the borrower, seller, and mortgage broker. Has not assigned a designated point of contact and has not acted with appropriate due care in the processing of the loan. It is unacceptable and has cost the buyer, seller, realtors and title company thousands of dollars in damages. 

Company contact information : ( XXXX ) XXXX XXXX LoanStream Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-07-19
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. (PA)

have had my credit report pulled for a home purchase and found inaccuracies that are keeping me from proceeding. There are XXXX loans from Department of Education reporting on my Equifax report as open, late 120 days and with balances. This is incorrect. These accounts were transferred to XXXX and are current. The accounts showing as DP of EDUC on my credit report should be reporting a XXXX balance and be listed as closed due to transfer. 

I have attached 6 screenshots from my credit report showing the 3 " late 120 days Dep of Ed " loans with balances and the 3 current XXXX loans on my credit report. You can clearly see that balances match up. The older files were obviously transferred to XXXX. This error is only showing on my Equifax report. I have also included a copy of my license as proof of ID.

These Department of Education loans showing as open/ late with balances are preventing me from obtaining necessary funding. I need this researched and updated to paid or transferred as soon as possible.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchased a product from XXXX in the amount of XXXX in store online. The package was delivered while me and my family was on vacation in Tennessee for week. When we returned home from vacation my package was not there, I contacted XXXX XXXX for them to refund or replace the item they denied to refund and or replace the item. I then contacted Capital One to dispute the charge on my bank account and explained this situation. They opened the dispute and through my bank they denied the dispute in favor of the merchant and I am now out the XXXX and the product. So I am reaching out to the CFPD for resolution and or help in this matter. As a consumer you would expect the bank to help their customers regarding issues with merchants. To no avail I have lost my money and the product with no help. I just want my money back and to be refunded the full amount.
Consumer complaint received 2022-08-01
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. (IL)

I sent a letter regarding inaccurate info and unknown things being on my credit report to transunion 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

Beginning in XXXX, 2021 and continuing to the present, XXXX 2021, I have been unable to withdraw my USD XXXX from Binance.US service. I have submitted multiple support tickets to their service, reached out to their social media team on XXXX and their social media team on XXXX and have been met only by canned responses and a general unwillingness to help me resolve the issue. 

Specific inquiries directly to their support system have been made by me on : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 None of these have gotten even remotely close to fixing the issue. 

My issue : when I attempt to initiate a withdrawal of USD XXXX  via ACH transfer or Wire transfer from my Binance.US account, I never receive the " disbursement confirmation e-mail '' from XXXX XXXX XXXX or Binance.US despite having followed all recommended protocol to the letter and whitelisting all known e-mail addresses and aliases. The issue is solely with their service and yet they refuse to take any steps to rectify their broken system. 

Since this issue has persisted more than half a year I have to assume that this is willful negligence to defraud me and withhold my funds as any business operating in good faith would have fixed an issue as serious as this months ago. Binance.US and XXXX XXXX XXXX are currently withholding over {$5000.00} of my money and refusing to all me to withdraw it.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proofof verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XX/XX/XXXX, my federal student loans were forgiven as part of the Public Service Loan Forgiveness Program. I received the official later the next month ( dated XX/XX/XXXX ). The student loans continued to show on my credit report. In XX/XX/XXXX, I filed disputes with the credit bureaus which were closed when XXXX incorrectly reported that my loans still maintained a balance. I emailed XXXX and recieved no response. I think called XXXX and was told the credit reporting process had started in XXXX, but could take up to 90 days ( I was given a day in early XXXX as when the process should be complete ). I then recieved a response email ( after the date I was given over the phone ) stating that credit reporting could take 60-90 days. I responded that it had been over 90 days, but received no response. On XX/XX/XXXX, I called XXXX. After providing the above information, I was transferred to the resolution center. I've currently been on hold waiting for someone to answer for XXXX minutes.
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I was the victim of identity theft. These are a formal dispute to support my position and claim. 
Below is the information you need to remove or block these accounts from my report. Also, these accounts are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. CITICARDS CBNA XXXX & CITICARDS CBNA XXXX
Consumer complaint received 2022-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I have a prior HELOC loan that was converted to a subordinate lien against my home by XXXX XXXX Bank in XXXX. I had filed for bankruptcy and mortgage protection for my primary mortgage but it was not accepted or recognized for my HELOC. They called in the loan and refused to take payments unless it was paid in full. In XX/XX/XXXX thry sold my subordinate XXXX to a loan servicer who also would only take payments in full. I have tried a short payoff and modification but thry were rejected. The balloon payments have {$27000.00} in interest attached to the original {$3000.00} loan balance. I have attempted to mail payments to show a payment history but the payments are returned and the servicer won't show any records of my attempted payments. The company is called Specialized Loan Servicing out of Colorado. I don't qualify for a refinance because of the delinquent status and I don't qualify for a large enough personal loan to pay this {$57000.00} bill in full.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: First Technology Federal Credit Union (VA)

I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I was discriminated against as I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with FIRST TECH CREDIT UNION which is a violation of Equal Credit Opportunity Act. My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since 1933. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. FIRST TECH CREDIT UNION became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or XXXX in prison for any. You have committed theft by deception and embezzlement both federal crimes.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

All three credit reporting agencies broke the law and used my identity without my consent. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) congress makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. There company has practiced unfair credit reporting methods. They took information from alleged creditors, and debt collectors then proceeded to report this information without consulting with me to confirm whether such infirmation was accurate or not. This in fact gave the furnisher of this innacurate information an unfaur advantage over me... This information is inaccurate and i need it removed...
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

My Navy Federal Credit Union XXXX credit card has a due date of XXXX every month. I am given 3 day grace period. Therefore my statement ending date is the XXXX. This month I made a payment towards my balance of {$2000.00} on XXXX  XX/XX/2022. The {$99.00} minimum payment was made in the morning while {$2000.00} was made in the evening. These payments were taken out of my account instantly. 

Navy Federal released my XXXX statement on XX/XX/XXXX. They did not take into account either of my XX/XX/XXXX payments stating that my payments were made after XXXX XXXX  on XXXX. This is not accurate as the {$99.00} payment was made before XXXX on the XXXX. The {$2000.00} was made in the evening. But even then NFCU, took out the money instantly and should have recognized revenue on the date they earned it which is the XXXX. This is an abrogation of XXXX revenue recognition principles. 

I called NFCU on the XXXX to point out that I was concerned my payments were not being reflected accurately. They told me I should wait until Tuesday once the amounts have posted for them to release a new statement. I called on Wednesday XX/XX/XXXX. The statement was indicating that the payments were made on the XXXX. This is a misrepresentation. They refused to redo the statement. 

I would like them to redo the statement to reflect the accurate economic reality of my credit card transactions. Their action if left unaddressed will harm my credit scores and hinder my prospect of getting financing.