davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
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)

I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to XXXX. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.
Consumer complaint received 2017-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MD)

I received two credit report monitoring alerts. 
XXXX : XX/XX/XXXX Hunter Warfield - XXXX XXXX XXXX ( Collections ) in the amount of {$430.00}. 
XXXX : XX/XX/XXXX Hunter Warfield - Unpaid in the amount of {$430.00} I am an XXXX XXXX service member and this is not a valid debt. 

I have a perfect credit report with no late or missing payments. I also do not have any obligations in this amount.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

On or about XX/XX/XXXX, I received a call from my local office US Bank XXXX In-store office to determine if I was interested in refinancing my home and after speaking with my husband we said yes. On or about XX/XX/XXXX, I completed the loan application with XXXX XXXX. I provided the bank with two years worth of statement financial documents that they request. In XXXX they requested more and XXXX they kept requesting more financial statements, loan statements. The only excuses for the alleged delays on the conditional approval was the volume of loans being processed and the Bank not having enough man power to get through the work load. They further contacted me in XXXX asking me for more mortgage statements, which left me speechless and beyond words. I had been going to the to fax documents requested just about every month since the inception of the application. I escalated my concerns and on XX/XX/XXXX, I was contacted by XXXX XXXX, US Bank District Sales Manager, and she apologized for the delays and in the manner my application had been handled. I asked if my loan was going to be denied or approved and she indicated it looked like they were moving forward with the loan approval it needed final approval. Ms. XXXX assured me she would follow up on my loan. I never received a call nor any further communications from US Bank since XX/XX/XXXX. Ms. XXXX also expressed concerns how some borrowers were lying on their applications that they were making payments when they weren't. She even requested for me to open up my credit again so they could run it again and I did. I offered to provide current income statements from my husband as he is XXXX XXXX XXXX and in current climate is an essential worker to the economy and continues to be employed. 

I don't understand the lending practices but being in banking for 33 years I never saw a client being mislead so much and not given a clear answer prior to the insulting letter received XX/XX/XXXX, seven months later advising of a denial due to unable to verify credit references and unable to verify income. 

This is ridiculous and insulting as we had submitted so many different Balance Sheet and Income Statement, Federal Taxes, if they wanted actual wage earning statements I could have provided that documentation. however ; they shut off any communication with me by not calling me nor emailing me this request after my conversation with Ms. XXXX. 

The Bank is highly concerned about the economic climate yet they are red taping this situation, wasted months, took {$390.00} for the application, and lowered my Credit score as they ran it twice placing red flags on me. 

US Bank 's lending practices are out of compliance with federal regulations and need to be reviewed.
Consumer complaint received 2021-01-05
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. (CA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-01-05
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. (LA)

I was so stress since Ive sent disputes last XXXX regarding to those inaccurate and unknown account that I found on my credit report but its almost 90 days today but I haven't received any response. I demand to Remove it ASAP or I will file a litigation.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing today in regards to my account with Capital One # XXXX. 
A late payment is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2016-04-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (TX)

21st Mortgage aquired my loan from the now defunct XXXX Mortgage. When I fell behind on my mortgage I tried to get assistance from 21st Mortgage to modify my loan. They refused and forced me into bankruptcy. Because me & my wife are on a fixed income I could n't afford to keep up the payments in bankruptcy and my case was dismissed. I learned that XXXX Mortgage was the subject of a multistate class suit brought by the attorneys general of XXXX states where they found that XXXX Mortgage used fraudulent practices and originated predatory loans on poor minorites. After reviewing my loan I was able to determine that Ameriquest/Argent violated the law in the origination of my loan and should not be allowed to foreclose their lien on my property because they viloated the law in the process of securing a lien on my property which should not be enforceable under the law. I need someone to intervene in the foreclosure sale they have scheduled for XXXX XXXX, 2016
Consumer complaint received 2017-11-17
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: EQUIFAX, INC. (TX)

Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to  pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my XXXX & Equifax Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, XXXX, and Equifax that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or  credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING XXXX & EQUIFAX
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (KY)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPT ED XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT XXXX XXXX Balance : {$0.00} US DEPT XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX 0Balance : {$0.00} XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$26.00}
Consumer complaint received 2021-01-06
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. (GA)

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

Macy 's allowed for the opening of a fraudulent credit card in my name in XXXX XXXX. I had not authorized or requested the card. When I found out about it via a credit report in XXXX XXXX, I promptly called Macy 's credit card number and alerted them to a possible identity theft and asked them to close the card and inform all the credit reporting agencies. Macy 's Fraud Investigation Department acknowledged my complaint with a postal letter asking me to reach out to the XXXX credit bureaus. 

I also filed an identity theft report with the XXXX ( Texas ) Police Department and signed an affidavit and sent a copy by certified mail XXXX these documents to Macy 's. In addition, I have paid XXXX to have my credit report monitored. 

In the three months after I submitted my documents and spoke with their representative asking that the reference to the unauthorized credit card be removed from my name, Macy 's has not done so. In fact, Macy 's let the credit agencies know in XXXX XXXX that this unauthorized account is past due ( according to my XXXX monitoring service ). When I called Macy 's expressing my extreme frustration at this negative hit against my credit rating, they were quite blase about it and suggested that they might get around to looking into this in the next few months. 

I find Macy 's credit card practices to be quite unacceptable - they allow for card accounts to be opened with minimal investigation and then seem uninterested in helping redress the wrong. I would appeal to the CFPB for assistance in having Macy 's expunge the reference to this card from my name.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I HAVE SUBMITTED MULTIPLE DOCUMENTS TO ALL OF THE CREDIT REPORTING AGENCIES ABOUT THE INACCURATE AND FRAUD RELATED INFORMATION THAT IS REPORTING TO MY CONSUMER REPORTS. I AM LISTING BELOW ALL OF THE VIOLATIONS UNDER THE LAW THAT HAVE BEEN COMMITTED AGAINST ME.. FROM SPEAKING WITHNMY CONSUMER ATTORNEY I AM TO BE COMPENSATED FOR EACH ACCOUNT REPORTING UNDER THIS LAW. 

( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent, in furnishing on certain consumer accounts, failed to provide to CRAs the date a delinquency commenced, in violation of 623 ( a ) ( 5 ) of the FCRA,15 U.S.C. 1681s-2 ( a ) ( 5 ) ; ( 3 ) Respondent failed to conduct reasonable investigations of consumer disputes or to do so in a timely fashion, in violation of 623 ( b ) ( 1 ), 623 ( a ) ( 8 ) ( E ) ( i ), 623 ( a ) ( 8 ) ( E ) ( iii ) of the FCRA, 15 U.S.C. 1681s- 2020-BCFP-0021 Document 1 Filed 11/12/2020 Page 2 of 36 2 ( b ) ( 1 ), 1681s-2 ( a ) ( 8 ) ( E ) ( i ), 1681s-2 ( a ) ( 8 ) ( E ) ( iii ), and 1022.43 ( e ) ( 1 ) and 1022.43 ( e ) ( 3 ) of Regulation V, 12 C.F.R. 1022.43 ( e ) ( 1 ), 1022.43 ( e ) ( 1 ) ; ( 4 ) Respondent failed to make determinations or provide the required notices to consumers that their disputes were frivolous or irrelevant and did not require investigation, in violation of 623 ( a ) ( 8 ) ( F ) of the FCRA, 15 U.S.C. 1681s- 2 ( a ) ( 8 ) ( f ) ( ii ), ( iii ), and 1022.43 ( f ) ( 2 ) of Regulation V, 12 C.F.R. 1022.43 ( f ) ( 2 ), ( 3 ) ; ( 5 ) Respondent failed to establish, implement, review or update reasonable policies and procedures regarding its furnishing of consumer information to CRAs in violation of 12 C.F.R. 1022.42 ; and ( 6 ) Respondent, as a covered person engaging in violations of a Federal consumer financial law, violated the Consumer Financial Protection Act ( CFPA ), 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the CFP A, 12 U.S.C. 5563, 5565,
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AR)

I tried to set up a MyEQUIFAX account online to unfreeze my credit with EQUIFAX. I did this successfully for my husband. However, I was unable to receive the texts to verify due to a problem with my phone. The website then asked several very vague questions about my credit that did not seem applicable to me. The EQUIFAX website said I had to call them. 

I called and spoke with a representative and after giving my social, address, phone number, and date of birth, they asked more vague questions that I apparently answered incorrectly. 

I need my freeze lifted tomorrow!!! I even talked to a supervisor that told me I would have to fax two forms of id. I had to drive 20 minutes and pay to fax it. After waiting a couple of hours, I called again and was THEN told that it would take 5 to 7 days and then they would mail me. This is totally unacceptable! EQUIFAX is holding my credit information hostage and I don't have any other recourse.
Consumer complaint received 2021-01-05
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. (LA)

I HAVE SUBMITTED MULTIPLE DOCUMENTS TO ALL OF THE CREDIT REPORTING AGENCIES ABOUT THE INACCURATE AND FRAUD RELATED INFORMATION THAT IS REPORTING TO MY CONSUMER REPORTS. I AM LISTING BELOW ALL OF THE VIOLATIONS UNDER THE LAW THAT HAVE BEEN COMMITTED AGAINST ME.. FROM SPEAKING WITHNMY CONSUMER ATTORNEY I AM TO BE COMPENSATED FOR EACH ACCOUNT REPORTING UNDER THIS LAW. 

( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent, in furnishing on certain consumer accounts, failed to provide to CRAs the date a delinquency commenced, in violation of 623 ( a ) ( 5 ) of the FCRA,15 U.S.C. 1681s-2 ( a ) ( 5 ) ; ( 3 ) Respondent failed to conduct reasonable investigations of consumer disputes or to do so in a timely fashion, in violation of 623 ( b ) ( 1 ), 623 ( a ) ( 8 ) ( E ) ( i ), 623 ( a ) ( 8 ) ( E ) ( iii ) of the FCRA, 15 U.S.C. 1681s- 2020-BCFP-0021 Document 1 Filed 11/12/2020 Page 2 of 36 2 ( b ) ( 1 ), 1681s-2 ( a ) ( 8 ) ( E ) ( i ), 1681s-2 ( a ) ( 8 ) ( E ) ( iii ), and 1022.43 ( e ) ( 1 ) and 1022.43 ( e ) ( 3 ) of Regulation V, 12 C.F.R. 1022.43 ( e ) ( 1 ), 1022.43 ( e ) ( 1 ) ; ( 4 ) Respondent failed to make determinations or provide the required notices to consumers that their disputes were frivolous or irrelevant and did not require investigation, in violation of 623 ( a ) ( 8 ) ( F ) of the FCRA, 15 U.S.C. 1681s- 2 ( a ) ( 8 ) ( f ) ( ii ), ( iii ), and 1022.43 ( f ) ( 2 ) of Regulation V, 12 C.F.R. 1022.43 ( f ) ( 2 ), ( 3 ) ; ( 5 ) Respondent failed to establish, implement, review or update reasonable policies and procedures regarding its furnishing of consumer information to CRAs in violation of 12 C.F.R. 1022.42 ; and ( 6 ) Respondent, as a covered person engaging in violations of a Federal consumer financial law, violated the Consumer Financial Protection Act ( CFPA ), 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the CFP A, 12 U.S.C. 5563, 5565,
Consumer complaint received 2017-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

In late XXXX, I received a certified document from XXXX XXXX XXXX, XXXX indicating that XXXX XXXX XXXX got an ordered from the XXXX XXXX XXXX, XXXX to appoint XXXX XXXX XXXX as a receiver for a XXXX XXXX XXXX. After some research with XXXX XXXX, XXXX, I determined that this account was not mine and wrote two letters to XXXX XXXX XXXX with this information. XXXX XXXX XXXX insists that this account was mine and currently XXXX XXXX XXXX has frozen two accounts at my bank attempting to collect this debt. XXXX XXXX XXXX has allowed me 10 days to resolve this dispute and on XX/XX/2017 will proceed to remove the money associated with this judgment from my account. I would like to resolve this matter as soon as possible and have any record of this judgment removed from my credit reports and social security number.
Consumer complaint received 2021-01-06
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. (AL)

I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I received an email last night from Discover Card from their Customer Protection Services ( see attached email document ) that the credit line account jointly owned by my wife and I ending in XXXX has been closed. The reason given as stated in the letter is - Unsatisfactory Payment History. 

As far as I know, since this credit line account was opened in 2011, I have never missed a payment neither have I paid interest in keeping balances on the account after a payment due date of a month 's billing statement. Therefore, I would like Discover to provide me with their record showing my " unsatisfactory payment history '' leading to the closure of this credit line account ending in XXXX. In addition, for several days now I have been unable to login to this account. 

If this is an attempt by discover to damage my name or spoil my credit because of my status, background, race, or whatever, then they should come out clear.