davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (NJ)

XXXX OF XXXX My identity was comprised and these were attempts to open fraudulent credit cards under my name. Please view attachment below of report. 

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 BANK XXXX XXXX Under 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

At approximately XXXX XXXX on XX/XX/22, CapitalOne sent me an advertisement for their Quicksilver card, with a {$300.00} bonus offer. I applied for it shortly afterwards and was denied, despite having excellent credit. As a result, my credit score has been temporarily damaged. I believe that by inducing me to apply for a credit card I would not have otherwise applied for with an offer CapitalOne had no intention of fulfilling, CapitalOne has engaged in an unfair, deceptive, and abusive business practice.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (TX)

I received an alert from XXXX indicating Clarity Services pulled a copy of my credit report on XXXX/XXXX/XXXX. I have not been pursing any type of financing and have no idea who these people are.I want this hard pull inquiry removed asap.
Consumer complaint received 2023-05-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kohn Law Firm S.C. (IL)

They took control of an account where my wages were stored while my wages are EXEMPT from garnishment. When I pointed this out they said that they knew they were not allowed to touch my wages and so thats why they took my bank account where I have around XXXX.
Consumer complaint received 2023-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MN)

After reviewing my credit bureau reports I discovered that a bank named Synchrony Bank has reported to the credit bureaus that I have an alleged debt owed to them in the amount of {$1500.00}. Synchrony Bank makes a claim to the credit bureaus that I opened an account with them on XX/XX/XXXX. This information is false. The credit bureau reports state the debt has been placed for collection on XX/XX/XXXX. No one has been able to tell me what this alleged debt is for or documentation containing my signature and the date of this debt.
Consumer complaint received 2023-05-22
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. (GA)

XXXX XXXX XXXX XXXX has continued to violate my consumer rights. I have disputed the credit transaction conducted by XXXX XXXX XXXX XXXX without my knowledge or consent on my credit report a number of times as this credit transaction should NOT be on my credit report. The CFPB has continuously and repeatedly closed my complaints with no resolution. Pursuant to 15 US Code 1681i ( e ) ( 3 ) ( A ) it is the responsibility of the Bureau to ensure the consumer reporting agencies meet all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint. The CFPB has failed to meet the prescribed responsibilities installed by Congress, as the credit transaction involving XXXX XXXX XXXX XXXX is and has been in dispute and should not be reporting any information to my credit file. The CFPB is not at all displaying any sense of integrity. The CFPB is prescribed to ensure accuracy and it is imperative that the CFPB comply and complete the required investigation. The XXXX XXXX XXXX XXXX accounts ( XXXX and XXXX ) should be deleted and blocked.
Consumer complaint received 2017-03-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Phillips & Cohen Associates, Ltd. (CO)

My grandmother XXXX in XX/XX/2016. My in laws are now all getting calls from XXXX trying to locate the executor and get paid for a debt my grandmother held. These people are in no relation to her nor am I even the person to contact for this let alone my in laws. 

They called her and hassled her making my XXXX very uncomfortable.
Consumer complaint received 2015-12-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

Dear CFPB, Compass Bank has manipulated the dates of the transactions that are the subject of my original Submission, case # XXXX. Those transactions took place over the course of many months during XXXX on the account ending in XXXX. NOT in XXXX XXXX as the letters that came in the mail suggest ( attached ). The bank closed that account because of the fraudulent activity and opened the new account ending in XXXX. My original submission shows all of the activity and the dates. I 've also attached a dated copy of some of those fraudulent withdrawals. My original submission shows that Compass Bank admitted the transactions were their errors. After disputing those transactions Compass Bank reimbursed my account {$130.00} and I never heard anything else from them about the remaining amount due to me. Since then, In one year Compass Bank has inappropriately charged my account {$5100.00} in NSF and OD fees. I have attached all new correspondence with Compass Bank. I drained my savings account trying to keep these NSF and OD fees from growing even more out of control. A family member told me about Consumer Financial Protection Bureau. That is when I contacted You for help. I stopped using the account because it had already been charged more fees and was in the negative again ( - {$890.00} ). 
After CFPB contacted Compass Bank they make it look like they are reimbursing the money that was owed to me from XXXX. When in fact all they did was reduce the amount of inappropriate NSF and OD charges that were caused by them not having returned my money at the time of my dispute in XXXX. The only thing this money did was put my balance to {$0.00}. I really was n't reimbursed at all. They have now changed the date of those original unauthorized debits to XXXX XXXX, XXXX in order to confuse the situation and get out of reimbursing the {$5100.00} in NSF and OD fees taken since XXXX of XXXX. Then they closed my account. 
In the letters that I received from Compass Bank, they changed the dates of those errors from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Therefore they investigated the NSF and OD fees that occurred since XXXX XXXX, XXXX and sent me a check for {$42.00} and said this case was closed. 
This is blatant theft and I want all of the NSF and OD fees and the unauthorized debits that they have taken from me beginning XXXX of XXXX and I want it back in the same order that they took it from me. I want {$5100.00} that I was charged for nonsufficient funds and overdraft fees. Then I want the unauthorized debits that they took in XXXX - XXXX. 
Please help me recover all monies that Compass Bank took from me. Please do n't let them get away with this. I am an old woman that lives on a fixed income. The money that Compass Bank took from me was inappropriate. 
I am asking for your continued support in helping me recover all of the money that Compass Bank inappropriately took from me. 
Thank You,
Consumer complaint received 2015-09-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NJ)

I got behind on my mortgage regarding varies situations, I then requested a modification, I summited all the information requested and was told that I did not make enough money and because I have equity I should liquidate, I summited the amount of income {$4100.00} per month and debt/expenses {$3200.00}. I 've had my home for 13 years and do not wish to lose or sell my home. my interest is at 6 %, I have just been XXXX in my home which will increase my income and I have eliminated some of my expenses. I moving in the right direction, but I feel that PNC have not giving me a fair assessment on their reasoning for denying the modification states that I make {$3100.00} which is incorrect. I welcome your opinion and any assistance in this matter. Thank you
Consumer complaint received 2021-03-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (MI)

On XX/XX/XXXX, I applied and was approved for a {$1000.00} loan by MoneyLion. As part of this loan, they require that you pay $ XXXX membership fee which you can not cancel until the loan is paid in full. They made {$250.00} available for use and stated that the remainder would be held in a " reserve '' for future use. I contacted Moneylion to access the money in reserve, but they stated that the reserve can ONLY be used to pay off the loan in full - at which point I would be charged interest on the full {$1000.00}. Charging interest on money that wasn't actually borrowed, in addition to the required " membership fees '' is by definition illegal predatory loan practices, and this company must be stopped.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Midwest Loan Services, Inc. (PA)

We are trying to get a refinanced mortgage, our rate is currently 5.25 % with XXXX XXXX. In the beginning of XX/XX/XXXX, XXXX XXXX from XXXX called us to see if we wanted a lower rate. We decided to check with other banks. Midwest Loan Services had our other mortgage prior to this house, so we called them.We talked to XXXX XXXX and went through the entire process, locked in rate of 3.125 % on XX/XX/XXXX. We received updated rate lock & good faith estimate on XX/XX/XXXX. On XX/XX/XXXX we received Approval with conditions form. On XX/XX/XXXX we were notified via email by Midwest that the Completed Appraisal report was received. On the same day we also received an updated GFE & truth in lending report. On XX/XX/XXXX we received an email stating that the property was not acceptable as collateral per XXXX guidelines as it is a manufactured home. Back in XXXX when we first started this process, we check with someone at Midwest in the department that handles manufactured homes and what is needed for it to be considered eligible property and we had everything that they stated and what is written in their website. 
Since this has happened the rates have risen a lot and that means $ XXXX of dollars and extra years of mortgage payments. We do n't fall under the HARP or other home preservation program that we are aware of because it was built in XX/XX/XXXX. 
My main issue is that Midwest stated on both their website and on the phone that they service manufactured homes yet after the entire process they inform us that they do not give mortgages for manufactured homes. We would n't have wasted XXXX months and all the hours of paperwork if we would have known this in the first place. We would have just refinanced with XXXX XXXX. Thank You
Consumer complaint received 2020-04-22
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and XXXX of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

PSLF form was submitted on XX/XX/XXXX. In XX/XX/XXXX I called to determine the status. I was told that it was denied due to there not being a signature for XXXX XXXX XXXX. I stated that I was told before submitting my form there is no one who signs such forms for XXXX XXXX and that all former and current employees have to use the work number to verify employment. That information was included with my form on XX/XX/XXXX. The supervisor I spoke to in XXXX confirmed that the information was indeed included and resubmitted the form. I was told to give it 90 days. On XXXX XXXX I was told that everything had been processed and my loan forgiveness was just days away from completion. I was told everything would be finalized by XX/XX/XXXX. 

On or around XX/XX/XXXX, I called again and was told that the transfer process from XXXX had not yet begun. Now today, XX/XX/XXXX, I being told that the employment for XXXX XXXX XXXX was denied because of a lack of a signature. Again that was supposedly resolved in XX/XX/XXXX. 

Its extremely frustrating to get a different response every time I call.
Consumer complaint received 2023-05-22
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. (GA)

I am writing you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ORG GC GP BUYER, LLC (IN)

I have tried multiple times in good faith to enter into the loan rehabilitation program with GC Services, who is a debt collection authorized to operate on behalf of the US Department of Education, to get out of default and get my loans into the {$0.00} repayment program with the rest of my federal loans, and I have been completely hamstrung at every turn. I have sent in all the forms as requested, and then got a call a week later stating they did n't have our forms. So I sent in the forms again, and yet again a week later, I get a call stating that they do n't have our forms. So, this time I had the person stay on the phone with me until she clearly saw that she had received all the required forms, and stated as such over the phone. Then, a week later I get another call stating my bank account information had changed and they could n't withdraw the payment which is a lie, because I 've been with the same financial institution since 2010. Then, on a later call, they acknowledge that was probably their error but if we wanted to continue on the plan we would have to start the whole thing again. Now, even after all this I have had my entire federal refund " offset '' due to their incompetence and the program not being finished in time for this years taxes.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Financial Systems, Inc. (LA)

I did not drive through or been in " XXXX XXXX Mississippi '' for the last XXXX15 years.I never did live. 
I got a threatening letter from Southern Fin. Service asking to pay {$150.00} they listed account # XXXX. 
Their address is SFS XXXX MS XXXX phone # XXXX. 
I wrote them, and they keep harassing me for such amount,. 
they refuse to fix it.
Consumer complaint received 2023-05-22
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (TX)

I had an account with XXXX XXXX that went into charge off status in XXXX of XXXX. Due to XXXX nothing was moving accurately in the economy. The company offered me a settlement in XXXX but they were charging interest on a charged off account. I made 2 payments towards the {$600.00} but realized they were not updating my account. I submitted a complaint with CFPB but no action was taken. It is XXXX I have disputed the error with the credit bureaus and now XXXX is reporting the account as closed every few days. Every week I received communication that XXXX has reported my account closed as of XXXX. This account was charged off in XXXX and they are reporting the account as charged off every month with an incorrect amount as to what balance is That is not FCRA legal. I have disputed to company XXXX and credit bureaus of the inaccuracies. They are not properly investigating my disputes with this company. I have sent certified letters to be able to track my communications costing me money and the discrepancy if affecting my livelihood. How can the same account be closed this many times. This company is practicing illegal reporting practices. It has severely lowered my score because it looks as if I just closed an account and I have not the account has been charged off since XXXX.