davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
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 — Problem with personal statement of dispute
Company: American Credit Acceptance, LLC (GA)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This company is currently showing 30 days late XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-10-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

CFPB, My name is XXXX XXXX, XXXX. 
I have filed numerous other consumer protection scam and fraud issues to the CFPB, all unresolved. 
XX/XX/2021, my elderly enfeebled father, XXXX XXXX XXXX, passed away in hospice from a XXXX XXXX. 
XX/XX/2021, I received a suspicious USPS certified letter from America First dated XX/XX/2021 ( attached ). 
America First and single point of contact XXXX XXXX are extorting my deceased father for {$44000.00} by XX/XX/2021. 
I can not be certain of the information, validity, or integrity of America First in America Firsts choice to commit extortion, predatory revenue creation, and elderly abuse of my deceased father. 
XXXX XXXX and executors clearly need protection from the abuse of America First. 
Please allow this report to serve as a Cease and Desist order to America First. 

Please advise, XXXX -- XXXX XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2021-10-07
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. (FL)

I have reached out to Transunion, XXXX, and XXXX for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

I have previously filed a complaint against PayPal And the response came as follows : " Pursuant to the aforementioned section of the User Agreement, PayPal may hold your Account balance for up to 180 days if reasonably needed to protect against the risk of liability and refuse to provide PayPal Services to you in the future. 

We will make any remaining funds, fewer reversals or debits, available to you for withdrawal on or before XX/XX/2021, and we will notify you of this via email. '' ______ Well, my money has been held for 180 days! 

Now I logged in to my account and find that they stole the money coldly : ) ( shown in the attachment ) And they gave a reason for this : {$600.00} USD PayPal Posting Date : XX/XX/2021 Payment to : PayPal PayPal 's damages caused by Acceptable Use Policy violation Damage!!!! I now want them to explain the damage now : ) ( If they can ) Really if you use a large number ( for PayPal ) of virtual cards Is this a violation? OK I agree But where did my money go? 

They gave me the possibility to link a bank account to withdraw my remaining money!! 
The remaining money be like {$0.00} If the case is not ended in my Favor, this is enough to escalate the case to federal courts to get rid of this @ $ % ^ & * My money is not a toy in your hands I'm the one who was Damaged for 180 days from not being able to access my money, not you.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX 2021, Consumer requested debt validation and to cease all debt collection activities from Portfolio Recovery Associates according to the FDCPA. Consumer requested to remove alleged debt from consumers credit file. Debt Collector and agents within, denied lawful proof of validation and furthermore continued debt collection activities ignoring consumers cease and desist.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA 2 I spoke with XXXX XXXX ( Supervisor ) on XX/XX/XXXX from Bank of America and was advised to file an FTC Report due to fraud on my Bank of America EDD Debit Card that was never received by me between XX/XX/XXXX and XX/XX/XXXX, which Bank of America was notified about on XX/XX/XXXX due to never receiving my Debit Card that showed it was loaded with funds by EDD California in the amount of {$21000.00}. Bank of America eventually closed the original account and canceled the card and issued a new on XX/XX/XXXX. When the new card was activated, to my dismay, the funds that I was issued by EDD were not on the account. To this day Bank of America has not followed through with the injunction placed on them by the US District Court with regards to my account! They keep coming up with new stall tactics such as, a year later telling me to file an FTC report. They have never provided the fraud investigation documents as requested on 3 separate occasions, they only send a one page autogenerated letter saying the claim was denied due to insufficient evidence! As stated they must provide the documents of the fraud investigation and actually complete one per the injunction and Bank of Americas own correspondence to me. An example is, I called the evening of XX/XX/XXXX and had the claim reopened which they actually processed XX/XX/XXXX, then on XX/XX/XXXX they sent out a letter saying the claim was denied due to insufficient evidence to support my claim of never receiving my debit card. To my understanding of how a fraud claim is investigated this is completely inappropriate and goes completely against what the US District Court injunction states. I have been hung up on when providing them the info regarding the injunction that these employees are completely unaware of. These employees do not even work for Bank of America directly and are hired through a separate facilitator and work remotely from their homes. Not one employee I spoke with knew the details of the US District Court Injunction!
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY has been calling me daily up to 3-4x a day. 

I attempted to discuss the FDCPA with them and they hung up on me. 

I called them back 3 times and asked every single agent if they were aware of the FDCPA and informed them they are NOT allowed to harass me in any way, shape or form. All I got was stunned silence because these XXXX companies don't know the law. 

Perhaps they should inform themselves of strawman accounts and realize the debt is irrelevant considering the system currently being shred into pieces. 

I do not play the fake debt game. When you are told " DO NOT EVER CALL ME AGAIN. '' and you repeatedly do so, expect a lawsuit very quickly. 

Guess what happens then? Not only did your company " lose '' money by buying useless debt, you lost the claim + fees + wasting my time in court fees. Lesson learned for being a XXXX  in a corrupt debt system, eh? 

Try again. I dare you. I've got all the various numbers they have called me from and I am ready to use them in court if need be. You WILL lose.
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX XXXX Tel : XXXX Name of Contact Person : binance.us XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX It's been six months since I transferred my XXXX XLM cryptocurrency to my binance.us 's wallet, but I didn't receive that. So I emailed the company, and the answer was : Your request ( XXXX ) has been updated. We wanted to let you know that we are still working on your ticket and apologize for the wait. 

After four months, I asked them again, and the answer was : Your support ticket is # XXXX. We have notified our tech team about this deposit. Please note that this is a manual process, and wait times may vary depending on volume. You should see your deposit credited to your Binance.US account as soon as possible. 

It is XXXX  month waiting to receive my xlm cryptocurrency in my account, and The company looks like playing a game with me. 

I look forward to your reply; please get in touch with me by email : XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent out letters about things on my credit report that were unknown and not accurate at all. This was back on XX/XX/2021. Ive been waiting more than long enough for a response. I know for a fact that it is well over 60 days and I still havent heard from the bureaus. According to my recent research the rule is that if I dont get these inaccurate items on my credit report investigated within 30 days, they MUST be removed immediately. I totally understand that because of COVID 19, things may move a LITTLE slower. But with it now being well over 30 days past time ( 60 days total ) these unknown items MUST be removed so that I can continue on with my life. These accounts have honestly caused me stress and are much of an obstacle when trying to get my new home. I shouldnt have to be punished for the bureaus not doing their job. With my information being impacted by the XXXX XXXX breach, it could have possibly got into the hands of the wrong person. Either way, I am tired of dealing with this and it needs to be fixed ASAP. In fact, if these accounts are not removed immediately, it leaves me no other choice but to file litigation. I already gave each bureau my authorization to work through this process of removing this mess from my credit report, so fixing this shouldn't be a problem.
Consumer complaint received 2021-10-06
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. (WA)

I have disputed this account from my TRANSUNION consumer report on multiple occasions because I never gave TRANSUNION or XXXX  direct consent to furnish this information. No direct consent is identity theft! On XX/XX/2021 I served XXXX with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. They have also been harassing me by communicating indirectly to TRANSUNION and publishing information that is harmful and defamation of my character! It is a fact, TRANSUNION has NEVER had my direct consent to furnish this information on my consumer report. I have received multiple notices from TRANSUNION stating that this account has been verified as accurate without providing any adequate documentary evidence that I gave them consent to furnish this information. I am demanding that they delete this account immediately as they are harming my reputation as a consumer!
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

XXXX XXXX, XXXX. and XXXX attorneys at law represent XXXX XXXX XXXX in foreclosure case no. XXXX XXXX XXXX XXXX FL. We also submitted a modification package to Fay Servicing on XX/XX/XXXX2021 which was denied on XXXX/XXXX/2021. Attached please find our appeal of that denial letter dated XXXX XXXX, 2021. We recently called Fay Servicing to follow up regarding reply to our appeal letter because we received no reply. On XX/XX/XXXX21 our office spoke to XXXX XXXX ID # XXXX and she explained that Fay Servicing was not going to reply to our appeal letter.
Consumer complaint received 2021-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I sent a dispute letter to TransUnion damn near two months ago pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? I mean seriously? Im about ready to take legal action at this point.
Consumer complaint received 2021-10-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

I financed my vehicle through American Honda Finance. I am now in the process of moving from Hawaii to the US Mainland ( California ). I need to ship my car to make this move. The state of Hawaii requires that I get authorization from Honda Finance ( as my lienholder ) to ship the vehicle. After waiting for hours on hold with their customer support, they told me I would need to submit insurance documentation ( confirming the vehicle would be insured in transit ) to a specific email address. I provided that documentation. After a week with no response, I called back and waited on hold for several hours. That representative said I need to email a different email address. They are not responding to either email address and I've been unable to get authorization to ship my car. I now may have to sell my car just to be able to move and risk not being able to even get a good price for it after all the time they've wasted. I feel that they have a responsibility as my lender to provide this to me. I've given them everything they asked for and tried numerous times over many different channels to follow up. I don't think they are acting in good faith to service my loan appropriately and feel that I was duped into accepting financing that wouldn't allow me to move with my car.
Consumer complaint received 2021-10-06
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. (IL)

Transunion is reporting and u verified collection on credit report by XXXX. XXXX, XXXX in the amount of XXXX. Both transunion and XXXX. XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract AGREEING to pay this amount {$1400.00} bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance
Consumer complaint received 2021-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-07
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. (PA)

In my previous complaint to Transunion # XXXX I submitted complete and accurate Identity Theft reports with fraudulent inquiries listed. Transunion applied a fraud alert on my credit report but did not remove the fraudulent inquiries from my credit report so that my credit file can report accurate information. If someone used my identity to attempt to gain credit then how could you possibly verify it with the creditor? They would have to produce my wet signature. I list several inquiries so what company needed authorization? It was never clear. I took the liberty of contacting these companies with the fraudulent inquiries listed and they all had no knowledge of Transunion or any other credit bureau contacting them. I keep getting automated responses. These fraudulent inquiries are damaging my credit file. It's your obligation to report complete and accurate information.
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$10000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2021-10-06
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}