davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

XXXX XXXX every year continuously is going through new management and new renovations dust using the renters whos leaving with their fully term least being used adding additional damages and also acquiring renters insurance fully covered the unit theyre using this tactic to also generate revenue, and do minor fixes to damages thats concurrent throughout the whole property I had full renters insurance and completed my full term of the leasing contract however, this damages that I moved in was the same damages that was charge to me now spectrum palms of sunrise, Florida has credit me for a debt over XXXX
Consumer complaint received 2022-01-11
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-11-26
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX OF 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 2021-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (DE)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (GA)

TD Bank is in the practice of attaching fraudulent transactions to one 's account then converting that transaction into a NSF transaction without showing what payment it was attached to. If you will take notice in the attached file : Page 1 which was generated around XX/XX/2021 - XXXX XXXX. There was never a XXXX XXXX in my account. On page 8 you will see a XXXX purchase debt, not a bill. If you will take a look at page 16 there is a payment to the account by XXXX XXXX and they have it listed as a return ; then they therefore attaches the purchase authorization debit on this same page to appear that that was to cover the XXXX XXXX Return. This {$35.00}, a day or two later showed up as NSF fee and I called to get understanding as to what it was attached to and they stated it was attached to the XXXX XXXX Payment of {$110.00}. That {$35.00} was refunded back to my account. As you can see on page 17, in the attachment, there is a {$35.00} overdraft paid, but it does not show what was returned. On page 18 : the XXXX Authorization should be XXXX verifying my account. The Visa XXXX should be XXXX verifying my account. The XXXX Temporary Hold is a fraudulent misrepresentation of facts and I have spoken to the bank concerning these fraudulent activities. The XXXX Authorization should not be there, I made that payment on the XXXX of XXXX.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

in XX/XX/XXXX I noticed the checking account was hacked. This was an account that was just collecting interest for years. I did not start monitoring the account until mom brought this to my attention. I closed the account in XXXX XXXX the account was hacked from XX/XX/XXXX to XX/XX/XXXX. Chase went all the way back to XXXX XXXX they haver a disclaimer stating that they only covered the first 60 days.my problem is the fact that the bulk of the money hacked was between XXXX and XXXX XXXXthe amount in question is over XXXX the account was hacked through XXXX XXXX In XXXX of XXXX XXXX XXXX sent me a letter stating they would return the money taken in XXXX but Chase would have to agree and. they did not. i enclosed paperwork that substantiates my claim. I hope you can assist because this was a joint account with my mom who passed away XX/XX/XXXX. Any assistance will be greatly appreciated. thank you in advance
Consumer complaint received 2021-08-23
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. (NC)

My student loan account for XXXX XXXX is showing multiple late payments when it shouldn't. I sent all 3 credit bureaus proof of all my forbearance dates and they are still reporting late. There should be no late payments on this account at all.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NY)

This is head up that US Bank Vertification informed that I need to give them an complete physical address which is XXXX XXXX XXXX, XXXX  XXXX, XXXX, NY XXXX I have right to choice my mailing address many business and including U.S. Bank uses po box to recieved they mail and I should also I should not be required to apply with another the United States Post Office is an physical address and the United States assigned Zip Code and Zoning in the United States and they treated me and Civilians as establish Immigrant in the United States XXXX Vertification Number select Option 1 Thank you for applying for a Secured Credit Card. 
We received your application on XX/XX/21. Your application ID is XXXX. 

Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away at XXXX ( XXXX ). 
Thank you for choosing U.S. Bank. 


Need assistance? 
Schedule an appointment with a banker at your local branch, visit XXXX online at usbank.com or call U.S. Bank XXXX Banking at XXXX ( XXXX ). 
Log in now >
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (CA)

Sir, Discover Card closed my account because of non activity since XX/XX/2020. Coincidentally these were the COVID times where we are not venturing out much. 
My limit from XXXX $ goes to XXXX and account is closed unilaterally without any notice. 
I had a 20 years of building of this credit limit by purchases, balance transfers and timely payment and now I am advised to open a new credit card with a default few hundreds of dollars limit. 
I had plans to transfer my funds from other card on to this discover card and I was right timing that for this XXXX when they suddenly closed this account. 
This has my longest credit history built on getting erased, has increased my credit utilization and a new card will have much much less limit and opening will average down my credit history. This all will drastically bring down my credit score. 

Discover at no stage gave me a call explaining this and just closed the card. 
I have given about six calls to XXXX XXXX XXXX only to get one rude response after the other. 

My credit scores were rising all these days and has been GOOD, XXXX per XXXX 

This is unilateral and not a humane thing to do when people need all kinds of support in these Covid days.
Consumer complaint received 2021-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I submitted an escrow payment as the result of receipt of a NJ property tax reimbursement check issued and sent directly to me as the homeowner to my mortgage servicer, Carrington Mortgage Services , LLC, on XX/XX/XXXX to cover any escrow shortage. However, the excess escrow distribution check was issued to my deceased parents ( the original signatories ), despite the fact that my parents death certificates have been on file with Carrington since XXXX ; Carrington previously confirmed in writing that they determined that I am the Successor in Interest of the property on XX/XX/XXXX. In addition, I assumed the loan and I am borrower on the loan. 

Moreover, prior to submitting the payment, I spoke with a Carrington representative in the Escrow Department, explaining the source of the check and the purpose of the payment, as well as submitted a copy of the letter from the NJ Division of Taxation for Carrington 's review to enable them properly apply the additional escrow payment. 

Nonetheless, after the escrow shortage was applied and a new escrow analysis was completed, the excess escrow disbursement check was issued to my deceased parents despite the fact that Carrington had their death certificates on file and all of the supporting documentation. Moreover, in order to have the disbursement check reissued in my name, I was informed that I would have to wait until 15 days passed from the date of issue of the original check, submit a written request to have the check reissued in my name to the Carrington Research Department, and provide my parents death certificates and supporting document ( proof of Executor of the Estate, probated will, etc. ). 

Additionally, I was advised that every time a new escrow analysis of the mortgage occurs going forward, I would have to provide the information listed above again, otherwise any disbursement check would automatically be issued to the original signatories ( as an extra layer of security and protection ). 

These seems absurd and unacceptable, especially given the finality of the decedents, and the confirmation from Carrington that I am the Successor in Interest of the property. 

I spoke with a Senior Resolution Specialist ( XXXX XXXX ) with Carrington Mortgage Services , LLC on XX/XX/XXXX, who said that he would contact the escrow department and see if there was a possible workaround, as well as inquire if I could be reimburse the {$5.00} processing fee I was charged for submitting the payment on Carrington 's website. However, he said that he couldn't give me any guarantees. Mr. XXXX provided me with an email address to submit my written request to expedite the process. But the email message I sent couldn't be delivered. It bounced back with an error message address not found or unable to receive mail. I don't appreciate the loss and consumption of my time, as well as don't appreciate tying up my money.
Consumer complaint received 2021-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

I applied for a conventional home loan with PNC mortgage, which is the company I used to purchase my home 12 years prior. I was relocating a few states away and process seemed to be going slowly with no updates and then finally no communication from the loan officer or her processors. My Realtor and I inquired as to the Appraisal and was told it was completed, but then the Appraisal company told me and my Realtor a few weeks later that they didn't ever complete it. I had paid almost {$600.00} for the appraisal ahead of time. I ended up going to another Mortgage Broker ( XXXX XXXX ) to save the contract and I was able to get the loan closed after a few weeks. I requested my money back from PNC and the loan officer on XX/XX/2021 and was told she would look into it but I have not had any further communication or my money refunded to me. I ended up paying for an Appraisal that I never received and having to pay again for one I did receive from the new lender.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

Account # XXXX - ComentityCapital/XXXX  On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for ComentityCapital/XXXX  has not been updated. I contacted XXXX  & XXXX  on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. I looked at my credit report through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX  & XXXX  and was told that ComentityCapital/XXXX  has informed XXXX  & XXXX  that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX  on XXXX and will file with XXXX  today. I would like for Comentity Bank/XXXX to request removal of the tradeline from all three credit bureaus. If they are unable to, I would like for them to inform XXXX  and XXXX  that this account has been settled and paid. XXXX  has this account listed as Paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX  parent of XXXX  children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.
Consumer complaint received 2021-07-10
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)

As stated before, Experian continues to report fraudulent information on my credit report file. XXXX XXXX XXXX XXXX  ( XXXX  ) on my credit report file is fraudulent and from identity theft. Experian shares they contacted XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and that XXXX identified the account as accurate. 

Of course XXXX are going to say that the mortgage account is accurate as they were the ones who approved the fraudulent mortgage account. 

I sent police reports, identity theft affidavits and FTC identity theft affidavits. I filed a accurate police report sharing I am a victim of identity theft. That report should be sufficient enough to remove that fraudulent mortgage from my credit report file. 

I am requesting Experian to remove and delete this account from my credit file as per my attorney or we will file a law suit for damages.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite the multiple previous written requests sent to TransUnion, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC Sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
US DEPT ED-Balance $ XXXX Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX USDOE/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-08-23
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-07-10
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. (MI)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

Since prior to the pandemic, Ive noticed that every time I get my balance low enough to make a purchase that COMENITY BANK lowers my available credit and it is always reduced to very close to my statement balance amount. EVERY-TIME WITHOUT FAIL. Example, today I received a letter reducing my credit limit from XXXX to XXXX and my balance is XXXX. Last time they did it was 6 months ago when my limit was XXXX and they reduced it to XXXX. ( These are round about figures but the actions of COMENITY BANK is what Im disputing. The first time when I called them, they told me that there was nothing they could do about it and I told him that the reason for my late payments was that they dont allow the auto pay feature on the account. OK, I get my negligence IF that was the reason they indicated. It was not. They told me that there was no correlation to reducing my credit limit according to my balance. Today, these actions have confirmed me that that is a lie. I was paying down my card so I could make a purchase for my birthday and this is the second time that theyve done this. and this does not allow me to make any purchases on my card. Over the last two years, my credit has been reduced by the bank. The most recent notice that I received explanation was due to previous negative relationship with the bank. Then on the bottom of the page is the mandatory credit report that they are legally obligated to send you. That is not an explanation. The only reason why I didnt pay off my account with them is because Ive had that credit card since XXXX  and at this rate, once they get the money, they will close my account, And closing that account will affect my credit average. But they are weaning me off of the card one way or another but they arent being honest about it. And this actually doesnt really help me at all
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit report and I seen hard inquires on my credit report. Those hard inquires are fraudulent. So I tried to contact the company but I did not get any resolution. 
So I would like to dispute the hard inquires.