davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern : I am hoping you can help me in this matter. I have been struggling for years with my dealing with XXXX, XXXX, and now XXXX. I only recently found out that this accounts principal is in fact still Bank of America. I was lead to believe this account was sold off in early XXXX. This is a charged off, closed collection account in the amount of {$85000.00} which first became delinquent in XXXX. My first mortgage is under a HAMP modification with XXXX XXXX and the 2nd is COUNTRYWIDE / B of A I believe there has been a been a breach of contract ( oral contract with XXXX/XXXX which was confirmed in writing ) of a settlement in the amount of {$35000.00} which was reached between myself and XXXX/XXXX. I had been making good faith payments on the settlement amount renewing the agreement and reestablishing same by setting up automatic payments in six month increments held for settlement of account.. See exhibits. When I was ready to pay lump sum due to divorce proceedings. During my recent divorce I needed to settle this account and reached out to XXXX who informed me it had been sold or transferred to XXXX. XXXX is not honoring the settlement agreement. It asked for all my information which was given and a professional valuation. Then indicated reduction of 1 % ( {$78000.00} ) or short sale. This is terrible.. I have been trying to get out from under this for 10 full years. 
FEES JUST KEEP PILING UP WITH OUT ANY MONTHLY STATEMENTS When I asked to speak to the principal or find out who was rightful party, they gave me the attached redacted document with pages missing. Now I have to sell the house. I fully expect the agreement to be honored. It was {$35000.00} I paid {$7700.00} toward it : total {$27000.00}. Remaining balance. THIS IS OVER TEN YEARS OLD IS STILL BEING REPORTED ON MY CREDIT
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.
Consumer complaint received 2019-04-10
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: CORELOGIC INC (TX)

Just find this morning XXXX XXXX inquiry was made without me known, I did authorized this inquiry, therefor I want it removed, it lower my score with XXXX by XXXX points, please removed this inquiry and I notice more inquiries that are not mine XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX I do not recognize neither and did not authorized, there for I want them removed and deleted from my XXXX and XXXX, I been working very hard to fix my credit report of all inaccuracies and unauthorized transactions, thank you this inquiries are in my XXXX and XXXX  and also XXXX
Consumer complaint received 2022-07-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (FL)

Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please. 

I send a complaint in already and this company continues to overdraft my account and I do not have the funds available. I understand what they are saying but have a heart life happens .This was not my intent to owe them money or have an overdraft account .Please forgive me and clear the debt without penalty .I am struggling
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX has violated my rights. 

Contact info : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX 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 2019-04-10
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. (FL)

I received a notice that my credit score decreased by 20 pts from Experian. There have been no changes to my report and the XXXX and XXXX have not changed. All 3 reports show the same items on my report. Experian says there is nothing they can do. They did check and agreed that nothing showed on my report that would have caused a decrease in my score. But as there is no change they can not explain it. So there is nothing I can dispute other than the score. This affects me financially so someone has to be responsible to explain this to me and correct the mistake.
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

n accordance with the Fair Credit Reporting act XXXXt accont XXXXXXXX XXXX XXXX XXXXXXXX, 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 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (MI)

I contacted XXXX a week ago, asking why was I declined for a XXXX  and the reason states that I dont pay enough of my balance. 

Yet I have paid in full. XXXX support completely has ignored me for a week, this type of support is ok for a tech company. But is not ok for a credit company. 

This is both scary, and insane. 

XXXX is building a monopoly on financial services, conquering the digital world. Yet they refuse to hold themselves to any type of standard.
Consumer complaint received 2022-10-07
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. (NC)

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. 1. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-07
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: Resurgent Capital Services L.P. (GA)

I have a complaint about two charges that are fraudulently being reported on my credit report by XXXX.The firts of two is being reported by RESURGENT RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. They have unlawfully and without my permission aquired my information from another company and are reporting that I owe them a debt of XXXX dollars and also XXXX dollars from two separate credit cards. now this is infact untrue due to the fact of me NEVER having a Fiduciary obligation to one RESURGENT RECEIVABLE according to CHP 15 AND 16 OF THE USC 1681 A CREDIT REPORTING BUREAU OR AFFILIATE MUST GET PERMISSION FROM THE CONSUMER AS WELL AS GIVE 21 DAYS NOTICE OF AN ACTION AND OR LATE PAYMENT REPORTING ALSO WITH UTILIZATION AS WELL NEITHER OF WHICH RESURGENT RECEIVABLE HAS DONE AND BY GIVING THIS INFORMATION TO XXXX TO REPORT IN ERROR HAS XXXXNFACT VIOLATED MY CONSUMER RIGHTS AND I WILL BE STARTING LITIGATION IF MY DEMANDS TO REMOVE THIS FROM MY XXXX REPORT ARE NOT MET. THIS HAS CAUSED ME UNDUE HARDSHIP INSOFAR AS I AM NOT ABLE TO PURSUE MY XXXX GIVEN RIGHT OF HAPPINESS OR QUALITY OF LIFE DUE TO NOT BEING ABLE TO OBTAIN ADEQUATE HOUSING OR PROPER VEHICLES. PLEASE REMOVE FROM MY REPORT.
Consumer complaint received 2022-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XXXX XXXX Account XXXX On XXXX, A company shown as CONVERGENT OUTSOURCING was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Consumer complaint received 2019-12-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (OH)

My husband lost 2 jobs this year one from XXXX  his XXXX XXXX at his employment, found a new job and was diagnosed with XXXX  XXXX XXXX and then fired from that job, before we were 60 days behind on our mortgage we called Caliber home loans about our situation the informed us there was nothing that could be done until we were 90 days past due at which time then filled the foreclosure, we have filled out many loss mitigations and have been denied everytime. We never received another phone conference after our second was canceled due to calibers attorneys rescheduling. We also havent received a judgment on the foreclosure date from the courts only from Calibers attorneys and a card from XXXX county sheriff sales. We are about to be homeless with our children. We were working with XXXX XXXX from hud XXXX she never returned any of our emails and she was the one handling our case, supposedly working with the judge and the attorneys from Caliber. Assuming she has gotten our information from the courts and not allowing us the chance to fight for our home. Due to these neglected actions my family is now being effected and going to be homeless. We cant afford an attorney and nobody seems to wan na help, legal aid refuses to help even know they cant find a judgement on the sale date in our case look up they claim that the case has already made a judgement even though it was ever properly given to us.
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX did a true and accurate investigation and found out this information had to be deleted from my credit report. TransUnion and XXXX did not do a fair and accurate investigation and is still reporting this account as accurate.
Consumer complaint received 2019-12-05
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. (AZ)

XXXX XXXX sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX. I WAS NEVER NOTIFIED. My autopay was subsequently not changed to reflect this change. The loan was reported to credit bureau as not paid. Please see attachments. Thank You
Consumer complaint received 2022-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) RE : ALLEGED CLOSED / CHARGED OFF ACCOUNT XXXX ( AMEX ) ( XXXX ) RE : ALLEGED CLOSED / CHARGED OFF ACCOUNT XXXX ( AMEX ) BOND REQUIREMENT WITH TEXAS SECRETARY OF STATES FOR DEBT COLECTORS. 

According to Section 392.101 of the Texas Finance Code : - ( a ) A third-party debt collector or credit bureau may not engage in Debt Collection in the State of Texas unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this State as Prescribed by this section. 

The Bond must be in the amount of {$10000.00} ( XXXX XXXX Dollars ). 

On XX/XX/2022, I contacted Texas Secretary of State through its number XXXX to verify if American Express has an active surety Bond with Texas Secretary of State and was told by XXXX XXXX that American Express does not have an active surety Bond with Texas Secretary of States as such your company will be in violation of Section 392.101 of the Texas Finance Code if your company attempts to collect any debt within the State of Texas. 

Also, a search of Texas Secretary of State XXXX XXXX XXXX XXXX DID NOT return any active Bond information for American Express with Texas Secretary of States . I have attached result of my search to this complaint. 

* Please, kindly confirm if American Express has an active surety bond with Texas Secretary of State. 


Trying to collect an alleged debt without having an active surety bond with Texas Secretary of State IS A VIOLATION OF SECTION 392.101 OF THE TEXAS FINANCE CODE.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (AL)

On XX/XX/XXXX and XX/XX/XXXX, this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Consumer complaint received 2019-12-05
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. (MI)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2022-04-07
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. (MI)

XXXX XXXX put me in collections for an account that I never used. I have asked them several times to send me the information and they will not. They sold the account to a third party collection company and they just say they verify the account as accurate but will not send me any account information. I have disputed it with XXXX who took it off my report, but Transunion and the others wont.
Consumer complaint received 2019-12-05
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. (MI)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.
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. (OH)

We sold our home on XX/XX/XXXX and had a mortgage with XXXX XXXX We were currently on the XXXX XXXX Forbearance program which we believe we were approved for in XXXX of XXXX. We have moved into a temporary rental home with hopes to purchase our next home soon. 

We had just applied for a new mortgage approval as there is a few homes we are looking to make offers on, only to find out that XXXX has us reported as being 120 days past due even though the report also states the loan was paid off. This reporting, is now preventing us to be approved for a new mortgage. 

We have notified XXXX and was told that the forbearance program was not started until XX/XX/XXXX so worst case scenario we would have only been 30 days late. At the time we applied and was given the approval for the forbearance we were told this would not affect our credit. They had agreed that there was a mistake with the 120 day part and would try to have that fixed but could not guarantee they can fix the 30 day part. 

We have been faithful mortgage payers since XXXX and have never missed a payment or have been late on any mortgage payment ever on all our mortgage accounts. If we knew that we would have been affected, we would have borrowed money to make the last payment.
Consumer complaint received 2020-11-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: i3 Lending, Inc (MD)

ON XX/XX/2020 XXXX XXXX  OF I3LENDING INC ORDERED A VA APPRAISAL OF PROPERTY XXXX XXXX XXXX XXXX, MD XXXX. THAT APPRAISAL WAS ASSIGNED TO AND COMPLETED BY XXXX XXXX OF XXXX XXXX XXXX, XXXX THE FINISHED APPRAISAL REPORT WAS UPLOADED TO THE VA PORTAL  ON XX/XX/2020. THE AMOUNT OWED FOR THIS COMPLETED SERVICE IS {$570.00}. NUMEROUS ATTEMPTS OF COMMUNICATING THIS DEBT HAVE BEEN MADE TO XXXX XXXX XXXX  PHONE NUMBER AND EMAIL STARTING ON XX/XX/2020. TWO LATE FEES HAVE BEEN ADDED IN REGARDS TO THIS EGREGIOUS NONPAYMENT. 
ON XX/XX/2020 XXXX XXXX FINALLY COMMUNICATED THAT SHE WOULD NOT BE PAYING THE DEBT OWED BECAUSE OUR COMPANY DOES NOT ACCEPT CREDIT CARD PAYMENTS AND I3 LENDING INC DOES NOT PROVIDE HER CHECKS. I3 LENDING INC DID NOT STATE IN ANY WAY THAT PAYMENT COULD ONLY BE MADE THROUGH CREDIT CARD SERVICES BEFORE COMPLETING THE VA APPRAISAL.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (TN)

{$890.00} child support payment was sent Way2Go card that the state makes us receive it on and {$890.00} was stolen out of my account and the merchant couldnt tell who did the transaction nor whos account it went into. The bank doesnt have dependable safety nets to protect our accounts from these type of transaction
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (NY)

Back in XXXX, I opened my CITIBANK , N.A . checking account at CITIBANK , N.A . at CITIBANK XXXX. XXXX # XXXX in XXXX XXXX, NY. 

About less than a year ago ( XXXX, XXXX ), I was charged an overdraft protection fee. They waived that fee for me and then after that I asked them to opt out of the overdraft protection ( I have never opted in and I opened my bank account after XXXX ). 

Today, I got an email from CITIBANK , N.A . that they charged {$34.00} as an overdraft fee, so I called the customer support right away to get the fee waived as I already opted out of the protection and but they denied my claim. 
A supervisor named XXXX told me that it is not possible to opt out of the overdraft protection, which is clearly against the overdraft regulation that was imposed after XXXX. 
The only customer support channel they seem to have is an outsourced customer support and the supervisor told me that they can't do anything to escalate the case. 

I need CFPB to help me get this case through with CITIBANK , N.A . 

Sincerely, XXXX XXXX