davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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: Resurgent Capital Services L.P. (TX)

On XX/XX/2022 I submitted a complaint to the CFPB in regards to Resurgent Receivables LLC reporting an account on my Credit report that has not been validated. It was stated by XXXX of their Compliance Department, that they will continue to report this negative account on my credit report. I am demanding they cease and desist communication with with through any and all mediums, this includes the credit reporting agencies. This company is continually harassing me by reporting this information to which they have no permissible purpose. I have not consented to contract with this company and they are attempting to force me to. This behavior of preying on consumers needs to stop. I will be filing suit for damages. This company has my personal information and I have a right to privacy that has been violated. Resurgent Receivables LLC along with XXXX XXXX XXXX and both complicit in identity theft, fraud and XXXX.
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CA)

I started receiving calls from AFFIRM saying tha i was behind in a payment, I told them in several ocasion that I dont have a loan with them, that this acocunt does not belong to me. They continue with phone calls and then XXXX said that a account has been added to my credit report. I have disputed the account with experian in several ocasions and not being successful, becuase AFFIRM is comfiring that that account belong to me. AFFIRM told me to create an account online to see which vendor they sent the money becuase they refuse to tell me over the phone, I did and I saw a company named XXXX that supposibly I bought a XXXX XXXX from and that was the loan was for. I have asked in many ocasions to AFFIRM to show me where the product was sent or any conformation of purchase and delivery, I never received anything. I have sent and affivit of identity theafth provided by AFFIRM, copy of y Califonria ID and a fraud report that I filed, in which I explained and confirmed that this account does not belong to me. My credit score has decline because this acocunts shows over 60 days past due and I had one of my credit cards reducing my credit limit as a result of my score. I need help on removing this from my credit. thank you in advance
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On or about XXXX XXXX I received an email from Bank of America stating my mother ( XXXX XXXX XXXX and myself has " suspected debit card fraud '' on our account. The bank was thus withdrawing {$5000.00} from her account to " hold ''. I have tried daily since then to get an answer from the bank. My concern is that they STOLE {$5000.00} from the account and said they were holding it pending " further investigation ''. I went tot he local branch on XXXX XXXX. XXXX, XXXX  and spoke to the branch manager who informed me he didn't have any information but the money would be returned in 30 days. I expressed my concern and asked if I could at least know the source of the " fraud '' and he said he had no information. II told him it made no sense that they could just take {$5000.00} and not even communicate with me under the guise of " protection '' but her other monies are " unprotected ''. To which the branch manager said there was nothing he could do but " monitor the situation ''. He promised to call me the next day and never did. My mother as of today is XXXX XXXX XXXX and recovering from XXXX XXXX. She has not used her debit card and I have only an ATM card. Neither of us made a {$5000.00} purchase or authorization. Prior to going into the hospital she wrote herself a check for {$10000.00} which she cashed on or about XXXX XXXX. I too have withdwawn that amount on her behalf several times and I must say they always treat me as a poor XXXX woman who is there to steal. I spent over two hours one day just to cash a check for {$13000.00}. They looked at me and treated me like I had no business with that kind of money. They kept sending me from one person to the next, each one ensuring I was facing a camera until finally out of frustration I deposited the check and withdrew XXXX out of the account. This is not the first time this branch and bank has been XXXX XXXX me and my mother. and I believe they are now taking advantage of this elderly XXXX woman and think she is too slow to recognize that they have stolen {$5000.00} from her account and given themselves 30 days to pay it back. I don't see how this is ethical or legal.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

ACCOUNT WAS LOCKED FOR NO REASON AND COULDN'T BE UNLOCKED. SERVICE AGENTS ARE UNHELPFUL AND INEPT. I WAS PASSED FROM AGENT TO AGENT " JUST CALL THIS NUMBER AND THEY WILL FIX IT '' AND NO ONE KNEW HOW. I JUST WANT TO CLOSE MY ACCOUNT. THE CUSTOMER SERVICE MEMBER DIDNT KNOW HOW. 

PREVIOUS COMPLAINT : EXECUTIVE COMPLAINT DEPARTMENT REACHED OUT AT INCONVENIENT TIME AND LEFT MESSAGES BUT THE CONTACT NUMBER PROVIDED FOR " XXXX '' IS NOT FUNCTIONAL ( ALWAYS GOES TO VOICEMAIL, EVEN DURING STATED WORK HOURS ) XXXX I HAVE LEFT XXXX SEVERAL MESSAGES CLEARLY REQUESTING TO CLOSE MY ACCOUNT BUT HAVE RECEIVED NO RESPONSE I TRIED TO CALL THE GENERAL CUSTOMER SERVICE NUMBER AGAIN BUT WAS ON HOLD FOR OVER 25 MINUTES WHICH IS UNACCEPTABLE. 

I JUST WANT TO CLOSE MY ACCOUNT. THIS HAS BEEN THE ABSOLUTE WORST BANKING EXPERIENCE OF MY LIFE. PLEASE CLOSE MY ACCOUNT! SEND CONFIRMATION TO EMAIL ON FILE, AND REFUND ANY FUNDS TO ADDRESS ON FILE. 

WILL CONTINUE WITH REGULAR COMPLAINTS UNTIL ACCOUNT IS CLOSED.
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NY)

I lost my job during the pandemic in addition to my husband leaving and eventually a divorce. I had a true financial hardship, this all started pre-pandemic in XXXX. 

As the pandemic hit and courts being closed and bank representatives not available as during pre-covid times. I was continued to be told the same thing by the bank representatives, that I need not worry and that at the moment the foreclosure would not be an issue and that once things normalized I would be given the opportunity to have the matter resolved. 

At some point I believe in XXXX the foreclosure was filed. I have tried endlessly to come to a resolution with the bank XXXX  to no avail. Now I heading toward my final court hearing/conference on XX/XX/XXXX and despite my multiple requests for resolution, everything from a modification to a proper breakdown to understand how we got to these figures. I was even granted a XXXX state XXXX to bring my loan current and since there is still a shortage of approx. XXXX, they aren't willing to work with me. 

I really need help in saving my home. I have been in this home for about XXXX now or somewhere abouts. I am back to work and can afford my mortgage, I see no reason for the bank to not want to come to an agreement with me. 

Please help!! 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This serves as my follow-up complaint as a victim of identity theft. I recently lodged a complaint dated XX/XX/XXXX, disputing items in my file associated with the crime. The contested items have no relation to any authorized transactions for goods, services, or money. Kindly expunge the reporting of these items from my credit file. Enclosed is my new FTC report with reference # XXXX. The list of items to be removed is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VYSTAR CREDIT UNION (FL)

In XXXX we received a mortgage from VyStar Credit Union. Our house was around {$270000.00}. When we went back to the credit union to discuss refinancing our loan in XXXX for extra money to add an enclosure to our house we were told that if the loan they had put together for us was not signed then they would consider foreclosing on our home. We were terrified that they threatened us with this, so we felt in order to save our home that we had to sign, we had no choice. They gave us no choice for anything else. Our interest rate changed from 4.5 % to 4 % but later we found out that the loan was not for XXXX  years but for XXXX  years. The payments were only {$330.00} lower a month. I feel that this tactic that they used on us was illegal and without merit. After paying on our house since XXXX, 19 years, we still owe {$280000.00} on the mortgage. My statements still state that I have a XXXX fixed loan, not anything more than that. 
I want them to explain why they chose to go to such extreme measures to secure a loan. It was in their best interest, not ours. 
Please advise,
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WV)

I got an legitimate email from Experian today, ( XX/XX/2022 ) as I have an login account to check my credit report with them. The email said I had a new car added to my credit report. I will attach the email. When I clicked the email and logged in ( Yes it was Experian 's site, I double checked ) it said I have a XXXX XXXX added to my credit report and wanted me to pay to upgrade my account. I never bought a XXXX XXXX. I closed it, and went back to my report ( as I was already logged in ) and I see nothing about a new loan for a car. I checked other reporting companies ( XXXX, XXXX ), and nothing there either. 

I feel like Experian was trying to trick me into thinking there was an issue with my credit, to get me to buy a service. I contacted their support by ( replying to the email ) about the event and told them I was reporting to the FTC. The FTC website forwarded me here to fill out the complaint. I got an automated response from Experian from the support email, so I am sure it was not a phishing email. 

I suppose it could have been a glitch in there system that thought I bought a XXXX XXXX, but I thought I would report it in case other have had the same experience. It really upsets me that a company like this would prey on vulnerabilities of people, if this was intentional.
Consumer complaint received 2023-12-27
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing this letter to dispute the erroneous reporting account on my credit report provided by your bureau. The details of the disputable accounts are as follows : XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2019. I request you to evaluate this reporting by revising the information provided. According to my understanding, a charge-off account should show a {$0.00} balance. However, in these cases, there is a balance of {$100000.00} and {$110000.00}, respectively. I urge you to remove these erroneous reporting accounts from my credit report as soon as possible. I would like to bring to your notice that XXXX has already removed these accounts from their records, as they found an error present. However, I am confused as to why your bureau has verified it, while the other bureaus have removed it. Please delete these accounts from my file as they are inaccurate, erroneous, incomplete or unverifiable.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Wisconsin Housing and Economic Development Authority (WI)

Good day, The Wisconsin Housing and Economic Development Authority ( WHEDA ) is proceeding with a hearing to confirm a foreclosure sale for a client I represent. The mortgage may be federally backed, but we haven't yet been able to ascertain that. The borrower submitted an application for the Wisconsin Help for Homeowners Program ( HAF ) on XX/XX/2022. His HAF application case manager sent a Verification of Mortgage Request on XX/XX/2022. The sheriff 's sale occurred around the same time. WHEDA claims the VOM was sent for the wrong mortgage, but the application only shows one loan and it's a WHEDA loan for the address WHEDA has on file for the borrower and his mortgage. 

WHEDA has since moved forward with the foreclosure and is refusing to adjourn the hearing to confirm the sale, despite the fact that HAF funds are available, the HAF application is pending and the applicant will be approved for funding, so long as WHEDA participates in the process and acknowledges the Verification of Mortgage already sent to them. WHEDA 's attorney is mistakenly claiming that they do not have to stop the foreclosure because the HAF application was not received 37 days prior to the sheriff 's sale. She is citing CFPB guidelines to support this violation. 

The Wisconsin Housing and Economic Development Authority is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX. 

Email : XXXX Tel : XXXX Fax : XXXX Toll Free : XXXX Sincerely, Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/2022
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I opened a recent credit card dispute that was not found in my favor. During this dispute period, I called USAA multiple times and was verbally told the following statements : " I would expect an investigation to be honored '' " we will do whatever we can to help and/or fix this '' " not all disputes that are similar will have the same outcome '' " I suggest leaning into the human aspect when re-asserting our findings '' " bring up your 12 years of membership '' I believe I have been discriminated against during the dispute process and not treated equally. I believe this because the comments above suggest differing outcomes based on factors outside of my control and also suggest that USAA has discretion to favorably resolve and/or make right my initial dispute but has chosen not to, despite telling me that would do " whatever they can. '' I request all recent phones calls from XX/XX/XXXX, XXXX XX/XX/2022 to be pulled and audited to confirm discriminatory statements and misleading advise that USAA will help in this matter. Being told USAA will do " whatever they can '' is an incredibly powerful statement to which I expected an amicable resolution in this matter, ultimately reducing down to a {$6000.00} account adjustment resolving this matter entirely, which I asked for in writing and verbally. Since such a request falls into the possibilities of what USAA is capable of doing, I hold them liable to do so.
Consumer complaint received 2022-11-02
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (IL)

There were many errors on my mortgage documents, and problems with servicers with missing payments, unapplied additional principal, no refund for the overpayment of escrow, multiple cds, incorrect charging of taxes and insurance, misapplied payments, incorrect transfer of escrow to next servicer, Incorrect payment amount, incorrect tax forms, wrong initial loan amount, and The lender fraudulently Changing loan terms at 6 months and signing my name to them per XXXX XXXX department. XXXX. I sent a notice of error to XXXX, before Any corrections were made I was transferred. XXXX stated to me the Notice of error and their corrections are are the soul responsibility of my next service, Freedom Mortgage same as tge 1st servicer said yet to date nothing done. I started all over with freedom mortgage on the notices of errors, in writing. I once again have been transferred to a 3rd servicer and Informed it's not Freedom 's responsibility it'stability it's the new services responsibility and it's left to me to start all over again trying to get these items corrected after 2 years of constantly sending and spending hours on the phone to no avail. I now know though since I am studying to be a loan originator These companies have a responsibility to complete and correct these items I have requested by my multiple notices of errors in writing.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX XXXX XXXX 

My name should also read XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and employer : U.S. Small Business Administration . 

Remove any and all other information to relinquish all identity theft claims, including the information tied to these accounts as the information you are reporting are not mine. I have mailed this information to them XX/XX/XXXX with no avail. 







15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX