davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (FL)

To Whom It May Concern, Statebridge argues that they did not receive the package for loan modification, and foreclose on our home on XXXX XXXX, XXXX. 
After filing a complaint with the Consumer Financial Protection Bureau, loan modification was reviewed and determined that based on our financial information provided {$4200.00} of our monthly income is 31 % debt to income ratio, did not meet the accordance guidelines. Our mortgage is a Conventional 8.5 % Fixed Rate approved in XXXX. Statebridge based their denial on accordance guidelines, under which criteria and interest rate? Our question is under what validity of terms of modification guidelines was used? XXXX, or Today 's Prime Interest Rate? Why were we disqualified? When in fact, the published conventional mortgage loan modification today is XXXX % -XXXX %. Is this a common practice to modify our XXXX loan modification application with what Prime Interest Term, XXXX? 
Since, the conventional fixed loan is being modified in XXXX the Rate must correlate within the appropriate time frame of the loan modification review process. Banks offer loan modification as an option for struggling homeowners by reducing the interest rate. According, to the Government Bailout, we are those homeowners that this exact program were designed for. The neglect that Statebridge has demonstrated resulted in our home foreclosed!
Consumer complaint received 2015-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

I contacted Midland Credit Management , Inc. by letter to request verification of debt. Midland Credit Management has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible.
Consumer complaint received 2016-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Harris & Harris, Ltd. (MD)

My elderly Dad received a call from ( XXXX ) XXXX. The woman asked who he was and was looking for me. She made him very upset. I called the number back and the women stated that she was from the Company Harris and Harris and that I was being recorded. I asked what she wanted. She said I owe money to the XXXX. I had already worked the pay back with the XXXX office and told her that. She became very forceful and we both started arguing. I think this company is a scam from what I saw on the internet. I want them stopped if possible. 
Thank You
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I mailed a check for {$300.00} to XXXX XXXX Bank on XXXX/XXXX/2015. I forgot to sign thecheck. I never got a call from them. On XXXX XXXX after 3 weeks on vacation I find the check in my mailbox.The correspondence has no explanation just the check. I call XXXX and I am told everything is fine so I make a payment of {$350.00}. They credit me back late fees so I am thinking everything is fine. I check my credit report and find the account is delinquent late 107 days. No phone call or email. I am glad they are using technology. They charge me ridiculous interest and pocket the money and provide zero service. Its a {$900.00} credit card. Are they kidding me? How about a XXXX time exception and remove the deliquency and late fee from my credit report? They tell me they are obligated to report it to the credit agencys. Yes, this is my fault I did not sign the check and should have called them. I was out of the country and off the grid. This is the result. Now my credit is ruined my score is under XXXX. Is there anything you can do to help me? This is on all XXXX credit bureau reports .... EquifaxXXXX
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (IL)

Using the same personal information ( name, ssn, address, .. ) the Equifax is not able to provide me with my free annual credit report. The identity verification questions I was presented clearly show that the Equifax system is not able to identify me and later claim that the identification process failed, request I go through a mailed credit report for with a long list of identification documents copies. The other XXXX credit agencies ( XXXX, XXXX ) have been able to verify my identity online and provide me with my free credit report.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to disputed account on my credit report that were without, y consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (TN)

My car loan account with XXXX XXXX is showing several inaccuracies with all 3 credit bureaus ( XXXX, equifax, XXXX ) such as a late payment from XX/XX/2022, incorrect balance, incorrect last payment reported date, incorrect opened date, and incorrect comments reported that are all different on each report. I am not asking for the account to be deleted but only for this information to be updated correctly. I have never been late on this account and I have tried updating this information with the creditor several times.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I had a hard inquiry fromXXXX on my XXXX report removed. This inquiry was from XX/XX/2022 which was associated with the fraudulent account that was opened up in my name. This account was never mines.XXXX.removed the hard inquiry that was fraudulent. It makes no sense that they didn't remove the account associated with the inquiry
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

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 15 USC 1681. 

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 XXXXXX/XX/XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2016-02-04
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY (VT)

We have an existing HELOC with TD Bank and they are sending us a lot of paperwork to review our loan. which is secured against our house. The problem is as follows : sending paperwork to the wrong address after we corrected it so we did not receive it. Sending us an email only on the XXXX. stating we have until XXXX XXXX to provide a lot of documents or they will term our loan out. I believe it is a loan they call XXXX, a term used within TD, which does not have an expiration date on it. So the contract was written incorrectly, in my estimation only. They are trying to push clients to terminate these loans and refinance. This is not our fault. XXXX should be looked at as a separate matter. We paid off our corporate loan, our HELOC on our second home, and maintain over {$700000.00} balance cash in the bank from the sale of that home. We were told our credit score was XXXX when in actuality it is XXXX, XXXX and XXXX. Also they said there is a judgement from XXXX XXXX ( which is incorrect ) for {$740.00}, which is a ridiculously small amount to bring up when compared to our timely payments on XXXX different accounts. We are working to have that eradicated. Even with that satisfied judgement my scores were that high. In the last five years we had XXXX late payments to TD on our mortgages, never delinquent. At this point, we owe {$100000.00} on a {$300000.00} credit line ( which we want to keep open ) on our HELOC and {$360000.00} primary mortgage which is secured by a property of {>= $1,000,000} with a {$700000.00} savings account. I want to keep our HELOC and not be forced out by TD. I have asked for a copy of the original contract that says they have the right to review it after 5 years and am yet to receive it.Their suggestion was to take our {$700000.00} of savings, put it with their wealth management team and be charges 1.4 % management fee per anum and then they would give us a {$300000.00} line against our stocks. It seems like a large conflict of interest and somewhat risky. I do not see where we have done anything wrong. I am XXXX, near retirement, and I want to keep that line to start a XXXX in Vermont. Incidentally, if they term us out, it will be a fixed payment over 10 or maybe 20 years but an interest rate of over 5.2 % and we are currently paying 3 %. But it is a fixed payment where we could not pay early or re-borrow again. It is an entirely different structure and would indirectly force us into not managing our money they way we want to.
Consumer complaint received 2016-02-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (VA)

This debt has been with another collection agiency, when I requested proof from the previous agiency, they sent no contract and the bills they sent did not have my new name on them. I was married on XXXX/XXXX/2012, a couple of weeks later my name was changed at the XXXX XXXX XXXX XXXX off of XXXX XXXX in XXXX Virginia and my new social security card, new drivers license, and marriage certificate ( that is filed with the XXXX XXXX Court House and im sure a copy can be requested by any party ) and all cards were re-issued with the new married name. The bills I was shown by the previous creditor showed bills in my maden name after that date and still said another name for a long time after my name was changed on all my accounts with XXXX XXXX XXXX. I had new cards issued in my maden name that does not match the bill, no contract has been shown to me, not even the documents I signed with the bank to change my name.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (CA)

Over the past year I received numerous letters regarding an alleged debt, In addition to phone calls. This company or individuals have been Continuously harassing me in regards to the alleged debt. In my attempt to put an end to these harassing letter I responded that I do not owe this individual or company any money. However, as soon as I responded to one company I receive a new Collection Letter but from different company but in the attempt to collect the same ALLEGED DEBT. I can not continue to respond to all these letters because it seems that this would be AN endless effort on my part
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MI)

A merchant made a fraudulent charge on my Sears MasterCard ( Citibank ) in XXXX 2014. I tried for several months to resolve the issue directly with the merchant. I had continued with these attempts, as the merchant acknowledged the error verbally and led me to believe I would be reimbursed. Ultimately, they did not follow through with their promise. I then contacted my credit card company by writing a dispute. Upon receiving their response stating I had not contacted them in a timely manner, I contacted the credit card company by phone to understand why they were not taking further action. I was told that my contact with them fell just outside of their policy for reporting billing errors by a matter of a few days, therefore they would not be taking further action. It was recommended that I submit a complaint through the Better Business Bureau and a XXXX other suggestions for recourse were provided. I have since submitted my complaint to he BBB, with so far no response by the merchant. I have also submitted a XXXX plea to the credit card company through secure mail within my online account. They replied letting me know they have no recourse to recover my funds outside of 60 days. I have been a cardholder with them for 18 years with no other transaction disputes. I am asking for their assistance with resolving the fraudulent charge made to my card and associated interest charges.
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (IN)

A mailer was relieved stating that XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, IN XXXX has a Sport Credit Card account number ending XXXX. XXXX has no such card. The mailer originated from Synchrony Bank, XXXX FL. The bank was contacted to investigate this unknown acct. We were transfered to XXXX different dept which insisted that we provide the Social Security # in order to help us. As we did not want to give out private information we were hung up on without any kind of resolution. As far as we know, they have an open a count in XXXX ' name that they will not assist us in the investigation of a fraudulently opened account
Consumer complaint received 2015-07-04
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (TX)

I have had a credit card that has been transferred through different banks as they were bought out. I have had this card for nearly 20 years. It has a variable interest rate tied to the prime rate with no annual fees. Chase now has my account. When they bought out the account they tried to add an annual fee. I said no and they agreed. Now they want to add a {$98.00} annual fee. I tried talking to them, but they said that due to the fact that the interest rate on this card is so low that they need to add an annual fee.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
I have a collection account which still shows as a collection account but the account has been settled and closed from the collection company, account was settled for an amount and amount settled for paid-off in full and so collection should be removed from my record saying its a collection account and i still owe the account when I don't. 
collection account name : XXXX XXXX XXXX this account has been settled and paid-off
Consumer complaint received 2015-04-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another one. All my credit cards and loans are paid on time and i am not late on one of them. Please help me this company is ruining my company.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CA)

I used my debit card and it was declined saying they don't support that kind of transaction from that company then i did a transfer from my spending account to a verified debit card and they declined it and made it to be a transfer from my debit card to my spending account which that wasn't the transfer i tried to do and they said they can't tell me nothing or close my account, they verified me when i opened it and i just want my money out the account before they trade it and invest it.robinhood will not do anything to resolve this
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX # XXXX DATE OPENED XXXX BALANCE {$6200.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$7200.00} XXXX XXXXXXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1700.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

The accounts currently on my report are false a not mine they are not on the other bureaus and they need to be removed as soon as possible File number ( FTC ) other a. XXXX XXXX nor did the bureaus send proof that debt was mine, nor did they offer any correspondence. 

This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.