davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint to bring to your attention that TransUnion is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. I have attached a copy of an FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.
Consumer complaint received 2020-12-17
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: CITIBANK, N.A. (TX)

I have sent the first complaint to Macy 's and Bloomingdale 's. I receive a letter from your company thru the CFBP. XXXX XXXX has her name on the bottom of the letter. I have made several attempts to call her during office business hours at the provided number of XXXX ext.XXXX. I have been unable to get in touch and unable to proceed with leaving a voicemail. 

The current date today is XX/XX/2020. I would like a response from XXXX XXXX with the appropriate phone number and fax. 

XXXX XXXX can now respond to the letter that I'm have attached for your viewing.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I purchased two tickets on XXXX XXXX for USD XXXX each with my travel rewards card ending in XXXX. I could not take this flight and even though XXXX was supposed to refund me, they never did. I disputed the transaction however you found XXXX was right and I lost the dispute. 
Recently, and due to the COVID-19, changes have applied. I contacted XXXX on XX/XX/XXXX and was told I would now be able to get my money back for this unused reservation. They also told me the process would take approximately 8 business days. Ever since then I have contacted XXXX with the tracking refund number XXXX and they have told me the transaction has been completed, however I still dont get my USD XXXX back. I also contacted XXXX given I paid though them, but they said I should contact you to see if maybe there might be a mistake given that the travel rewards card ending in XXXX was canceled for fraud a few days ago. 
I was told by phone I could now start a dispute with the refunds support which I am ataching to this communication. On XX/XX/XXXX Bank of America responded they had nothing to do with refunds so they couldnt process my request.
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I sent letters to the Experian, XXXX  and XXXX 
I asked them to help me investigate inaccurate information the i saw on my credit report. I have not heard from them. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ga XXXX account number XXXX {$2100.00}
Consumer complaint received 2020-12-18
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. (GA)

In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX  XXXX. The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for all.
Consumer complaint received 2020-12-17
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: Sequoia Financial Services (CA)

On XX/XX/2020, SEQUOIA FINANCIAL SERVIC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA SEQUOIA FINANCIAL SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-10-17
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (ME)

Subject : Complaint Against National Credit Systems for Non-Response to Debt Validation Request Dear CFPB, I am writing to file a formal complaint against National Credit Systems. On XX/XX/XXXX, I sent a debt validation letter via certified mail, which was delivered on XX/XX/XXXX. Despite this, I have not received any response or validation from them. I am enclosing a copy of the certified mail receipt as proof of delivery. 
I request your assistance in resolving this matter and ensuring compliance with the Fair Debt Collection Practices Act. 
Thank you for your attention to this issue.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

While researching my credit report I came across an account from seller : XXXX XXXX XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX. 
Original account : XXXX Current creditor : Portfolio recoveryAssociates, LLC
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION (NJ)

My complaint to the CFPB about SN Servicing Company requests an electronic copy of my pay-off letter so I can sell the house, without an actual pay-off letter I will not be able to sell the house. The letter SN Servicing Company sent me is not a pay off letter so I won't be able to sell the house and be subjected to the financial suffering of not get the requested pay-off letter. I am frequently told that I am a very easy guy to deal with and I don't think that a mortgage servicer should deny a customer a letter that will be used so that all entitled parties are pay in full. 

I am asking for an electronic copy of the pay-off letter so I can pay the house off in full. 

How is this : could you please send me an electronic copy of the pay-off letter made out for XX/XX/21 so I can sell the house. I don't have any options because a pay-off letter is required to sell the house. If I don't receive the pay-off letter soon I will no longer have a buyer for the house and be subject to financial damage. All I want is the pay-off letter I am not interested in being pen pals and wasting your time I am trying to conduct official business and being denied a required document that should be available.
Consumer complaint received 2023-06-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (WV)

Everything I miss a payment they call me repeatedly on Sundays every hour. Plz do not contact me on Sunday as this day is XXXX 's day for me. They have called me 5 times today on XXXX XXXX XXXX  starting aXXXX XXXX XXXX and call me on every hr.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KY)

On XX/XX/2020 I sent dispute letters where I disputed incorrect/unknown items on my credit report. It's going on day 55 and I haven't heard anything back yet regarding these incorrect/unverifiable items on my report. I'm sick of this, this has negatively impacted my family for the past few months. Everything is in shambles, I feel like I'm being ignored and played with and won't take this any longer I'm in distress. In section 611 it is stated that a failure to investigate the items I've disputed within that 30 day time frame is a reason to remove those items IMMEDIATELY. I demand these items be removed immediately or I will be filing litigation for for the stress you have caused me and my family.
Consumer complaint received 2020-12-18
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-12-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

On XX/XX/XXXX I made a one time payment for the mortgage payment due online. On XX/XX/XXXX XXXX also made a recurring payment of {$100.00} to go to escrow. There was an option to choose for the payment to go to escrow. The following morning I received a text message ( see attached ) that stated " We have received your request to modify your existing recurring payments. For details, visit ... ''. I did not sign into my mortgage account website to request to modify the recurring payment. I also received an email ( see attached ). After receiving the email, I then logged into the platform to find that an additional {$2500.00} had been added to my recurring payment. I did not add this nor did I initiate or authorize any modification or addition to the recurring payment I set up on XX/XX/XXXX. After discovering the addition of {$2500.00}, I cancelled the recurring payment. 

Why are my recurring payments being altered by your company? 
Why are there so many software bugs THAT ARE AFFECTING MY MONEY?
Consumer complaint received 2020-12-17
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. (TX)

demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX XXXX  on XX/XX/XXXX 3. XXXX-XXXX  on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 7. XXXX/XXXX  on XX/XX/XXXX
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I have requested PayPal to close additional accounts they have opened under my name, which they have refused to. It has been more than a year in the complaint management. 

I have asked PayPal to clear their statements and to verify the accuracy of the itemized transactions, they believe and wrote in letter statements that their billing is without fault. More than one merchant has confirmed refunds which appears as an unpaid charge to my account. 

I have asked PayPal to verify the amounts of monies they have transacted directly via ACH or other instruments to attain monies from non-PayPal accounts, they said that I have not paid. I have confirmed with more than one savings bank that they have charged to my account via direct and immediate debit charges they considered credit card transactions.
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2020 I spoke with XXXX at Suntrust Mortgage, and asked for a Covid 19 Care 's Act Forbearance. XXXX assured me that I had been accepted for the Care 's Act forbearance.. 
I have been barrowing money from my family to make my payments as a result of XXXX XXXX temporarily closing do to the pandemic. On XX/XX/XXXX Suntrust sent me a letter, informing me that I was automatically placed into a Suntrust Forbearance ; in which I had declined, because that would put me in foreclosure and bankrupt me. As a result I have contacted Suntrust Mortgage eight times in the last thirty three days, stating that I do not agree to, or except a Suntrust Forbearance, and that I am eligible for and want a Federal Care 's Act Forbearance. Their re sponce to me has been very mixed, and came down to todays contact with one XXXX XXXX, at XXXX XXXX. who informed me that they don't offer any other forbearance accept the Suntrust, in which they have automatically placed me, by way of which they have asked me to write a letter of hardship back in XX/XX/2020, then they disclosed their terms, and I declined, and managed to make my payments until now. Also, for this reason they refuse to take me off of their program, and put me on a Care 's Act Forbearance ... On XXXX XXXX I sent Suntrust a notorized copy of my complaint.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

Date account opened on my report from XXXX cards is innacurate. I do not have original contract but would like to request, balance is incorrect on both and without my original contract I need this to be verified because there are innacuracies scattered throughout my creditor and collections ( both of which are still on my report ). Supposedly XXXX sold my debt to XXXX in XXXX but continued to report and raise my balance all the way up until they closed it XXXX of XXXX. So the original creditor and supposed collection agency they sold it to were both reporting and raising the balances for years. I moved states early in the pandemic and haven't had contact with either of them and when I went to check my credit recently I was shocked with all of the innacurate info on my report. I would like XXXX to verify my original credit limit, the date the account was opened, a good excuse as to why they just closed an account XX/XX/XXXX that they sent to collections in XXXX. XXXX the original creditor continued to add an innacurate balance for years. XXXX continues to add collections and i would like them to send the original contract with the APR on contract to see if they have overcharged interest over the years. I sent validation letters 2 months ago when this came to my attention with no luck and with the original creditor reporting to the agencies on something they supposedly sold 3 years ago with multiple innacuracies such as date opened, balance and not showing as charged off its a little confusing on who owns what. It doesn't make sense that an original creditor can keep something open with so many innacuracies after selling debt to collections for years and XXXX still showing good standing and closed due to inactivity is beyond me
Consumer complaint received 2020-12-17
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 (OK)

Bank of America is reporting to XXXX XXXX XXXX XXXX XXXX XXXX that they closed a fraudulent account down under my name with the incident date showing as XX/XX//2019. It also shows that Their total loss was {$0.00}. I have contacted XX/XX/XXXX and the information was blocked, however it was added back to my account at a later date and Bank of America stated they verified the information as accurate. They could not produce a copy of my ID, my signature card, or contract signed by me authorizing the opening of an account The only proof they sent was past bank statements, which proves exactly nothing. Of course there are going to be statements as all banks send those out monthly. Just because a bank statement exists it does not mean that it is mine. I am the one who called in to report it as Fraud, and even with their lack of supporting information, they refuse to remove it from my file. This reporting needs to be cleared off of my report by Bank of America or permanently blocked by XX/XX/XXXX. I sent in all of my ID theft documentation to both companies, This was not my account. There is no back of America anywhere near where i live, and I have never done business with the company period. If they refuse to remove this and keep reporting the false and unverifiable information I will take civil action per the FCRA and FDCPA. I have also sent this complaint to the XXXX XXXX XXXX at the Oklahoma Attorney Generals office.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Your software is automatically deleting my number from my profile and removing me from receiving text messages. Why does this continually keep happening? I log in and find my phone numbers have been deleted after I receive the attached text message stating that I am " opted out and will no longer receive messages from Your Mortgage Servicing Company Online Alerts. '' I did not prompt to unsubscribe from messages. Why is your software deleting my numbers and removing me automatically? 
I have to log in after receiving these messages, whereupon I find that my number has been deleted from My Profile > Notifications. Why is my number being deleted without my authorization?
Consumer complaint received 2020-12-18
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: MLD MORTGAGE INC (NJ)

So after my initial attempt to communicate the issue on MLD Mortgage 's unauthorized inquiry on my credit report, they not only never show any regret or apology for this misconduct but keeps lying about what really happened. Again, I never agreed by any means over the phone for them to pull my credit report. If they have any evidence like conversation recording, I agree here in public that they can use it as evidence in court against me. The reality is, I only asked for a quote over email from the person who called me from their company but she apparently thought abusing the existing client 's private information in their database is something that doesn't really matter. Lucky for me, I am a person who actively monitoring my credit report and have different alerts on all the time. That is the reason I was able to find out their ugly behavior so quickly.
Consumer complaint received 2020-12-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (GA)

On XX/XX/2015 Mohela/Dept of Ed added a derogatory mark on my credit report XX/XX/XXXX and XX/XX/XXXX per XXXX XXXX XXXX. This account was transferred sold. Debtors creditor did not verify this collection mark. Also, there was no written form of communication of accused debt. I was always in forbearance. Anybody can send a bill and say its my bill. According to the FCFA Mohela/ Dept ed has violated my rights as a consumer and I'm requesting legal action to remove the late payments from XX/XX/XXXX and XX/XX/XXXX