davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX {$1600.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity  theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX {$1600.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-18
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. (NC)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$30000.00} Please block this information from my credit report within four  business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-05-16
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 (MN)

In XXXX of 2015 I opened a Capital One Credit card and XXXX $ was the limit. I have never been late and its only recently that I became aware that it is a secured card maybe because I have had it so long. So I inquired about having my limit increased and returning my deposit of XXXX $ - I read many advertisements about how after six months you would be reviewed and limit increases and your deposit would be given back. But thats not the case! I was told I would have to close the card and apply for the money in deposit and no interest would be given either. So not only have they given no increases, they get to keep XXXX $ and no interest. I must be helping them instead of them helping me. I dont want to close my account and other than the items mentioned I am happy with them. Its their Platinum card
Consumer complaint received 2018-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (LA)

I recieved a credit monitoring alert from transition stating that I have a new collection from said company Midwest Recovery! I have never done business with this company or its client. I have never recieved notice about this account by mail. This company has never contacted me about this debt and I take no responsibility of such collection. By law this company was supposed to provide notification of debt and give time for me to dispute and ask for verification of this debt before placing on my credit file, especially because I am a victim of identify theft. I am afraid that this company has violated my personal rights by requesting my medical records from a facility with out permission. I take no responsibility for this debt.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the incorrect items listed below still remain on my credit report in violation of XXXX XXXX. They failed to comply with air XXXX XXXX XXXX, XXXX XXXX sections XXXX 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. 

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 2022-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (MI)

My money is guaranteed no matter the stipulation as long as its in my account, the depository is to guarantee this in all circumstances. Fractional banking ensures that the loss of all the funds wouldn't even sent the depository digital vault. CitiBank can easily cover the damage and go after the corporation on my behalf.. Government needs a division exclusively for this, FOR THE PEOPLE. The citibank hotline is trying to convince me that the 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  I am owed {$6200.00} in total for 3 charges from XXXX XXXX XXXX. XXXX XXXX. I received XXXX XXXX XXXX XXXX XXXX in XXXX at XXXX XXXX XXXX XXXX XXXX. The service was subpar and I wasn't allowed to get problems fi d Ed before leaving. The teeth line up improperly, are over sized, wobbling and met together in the wrong angles. All of which I have to get fixed again, all damages to my person. Fractional banking is being practiced and the XXXX charged to me by XXXX XXXX was unjust enrichment as they took XXXX in taxes and charged double for everything, as prices increased after I got there. I couldn't refund the payments until after I left or I would t have had any teeth, very frightening, as they stopped half way through and demanded more money. I had to reschedule my flight and hotel out of pocket, all the while being lied to and laughed at. Spent 5 days with temporary teeth, roots exposed, felt terrible or days once they XXXX  the teeth again.. I never had my last 2 appointments to fit the teeth properly and angle them back in my mouth,, I look like a beaver rabbit squirrel, I hate how long these teeth are and I said this many times while there, they forced their opinion as truth, I will never return to XXXX. It is a 3rd world mindset in this country, people mean less than Government and belongings. Most unprofessional place I have ever been to. I am owed my money back and then some for damages and injuries to my being. Nothing exists without my credit.
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

To whom it may concern the credit bureau is reporting my balance on my account in correct. Most of the accounts have been sold to a collection company. In return the collection company is charging more fees. This is not right. So I want the credit bureau to furnish me the exact date the account was open and the last day payment was made. For instance XXXX has my charge of amount as {$35000.00} and then they have balance amount {$25000.00} so I want to know what happened to the payment insurance, Loan insurance And the Auto Receipt. Each month I have continue to lose anywhere between thirty or forty points and the credit bureau cant tell me why. I started with a XXXX score I was very excited I thought I was on my way to a XXXX score but all of sudden my score began to crumble. However I know the credit bureau is not in business to help the consumer. Thier only job is to make money of the consumer.
Consumer complaint received 2018-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

My first issue revolves around the threats and abusive language from a customer service agent when I called Freedom mortgage on XXXX-17 while in bankruptcy. I was concerned about making a payment as nobody was able to talk to me to give me my payment options. When I expressed my concern and fear the rep told me these were the consequences for filing bankruptcy. I was utterly appalled by this response as if my financial hardship was a personal choice. When I filed a complaint I receive a generic response that they could not respond to me because I was in bankruptcy. Again I was extremely disappointed in the mortgage company. 

Although nobody would talk to me I continued to call and advise I was occupying the property and my intent was to keep the property and my intent was to bring the loan current. 

Fast forward to today! I have over {$100.00} in propert inspection fees from the mortgage company. Being as I work for a mortgage service, I understand that when loans fall delinquent and there is no communication with the borrower, visual inspections are required. What i dont understand is why my loan required an inspection when I was unable to obtain payment instructions and I stated on several occasions i occupy the property and i intend to bring the account current. This should be illegal. This is causing an unnecessary financial burden on me even though The mortgage company is well aware that i occupy the property. I would never recommend Freedom Mortgage to anyone. This company has been a nightmare since service transfer.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION (FL)

E transfer at Regions XXXX XX/XX/XXXX Regions Bank Department of Electronic Transfers I am requesting your help to start an investigation for an abnormal electronic  transaction was done by the Regions Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX, and also I am asking to get reimbursed the money I lost with it. 
In XX/XX/XXXX I asked to get an electronic transfer for the amount of US {$4200.00} Dollars from my checking account XXXX at Regions Bank into a personal account in XXXX, XXXX XXXX, XXXX ; swift code XXXX ; Beneficiarys Account # XXXX ; Wire Sequence # XXXX ; XXXX XXXX. 
The money was taken out same day from my account, but held with not reason until XX/XX/XXXX. I was told that it was caused by the intermediary bank XXXX used by Regions Bank . I am pleased for the promptly response and commitment from the branch manager to resolve that situation as soon as it was communicated. However, It was not resolve immediately, but 18 days later. 
With that money, I was committed to get done a payment on time-of health insurance for my wife, my son, and myself. But, because the delay of the transfer I had to pay a late fee and interests for the amount of {$50.00} Dollars. 
Besides that, the exchange rate was paid at lower rate than the current value of the Dollar in the market at that time. It was done for the amount of {$2800.00} pesos per each Dollar, which is lower XXXX pesos per Dollar. It means that I lost additional {$170.00} Dollars with this electronic transfer because the exchange rate. 
Total lost amount is {$220.00} Dollars between late fees and lower exchange rate. 
I had done previous transactions with no problems, but this was unacceptable one. 
Please, let me know the result of your investigation. 
Thank You, XXXX XXXX Phone XXXX
Consumer complaint received 2024-10-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DE)

Synchrony Bank continues to harass me with fraudulent invoices for the purchase I made at XXXX and then returned the merchandise back. Refund of the shipping was not made claiming that I was not entitled to that refund. The invoice from the XXXX was nothing short of a fraud because it produced no information about prices or shipping. For that reason, claim that I was not entitled to a refund of shipping expenses is nothing short of intentional fraud, harassment, and abuse of senior citizen of XXXX XXXX XXXX as well as fleecing.
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

To CFPB, I am filing this complaint against XXXX XXXX who recently placed on my credit report an account that is fraudulent, they are reporting that I owe XXXX XXXX ( formally XXXX XXXX ) {$640.00} How crazy does things get? I owe XXXX NOTHING!! This collection agency just caused my credit score to go down because of this fraud that is being reported by XXXX XXXX therefore, I am requesting that CFPB investigate and fine XXXX XXXX XXXX XXXX XXXX dollars for their fraudulent activity. 
Further, when I contacted XXXX this morning about this fraudulent activity by XXXX XXXX they were stunned that anyone would pull such a stunt on some one with such a good paying record with them and instructed me to upload to you, CFPB a copy of my bill which clearly shows I owe NOTHING and am current. 
I will now upload that document to you so you can see for yourself that what XXXX XXXX has done is both illegal, slander, fraudulent, nonsensical, and defamation of my character and they need to be punished for this.
Consumer complaint received 2021-01-19
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (CA)

Today ( XX/XX/2021 ) I got a letter from a company saying I owe {$58.00}. So, I called them, lady answers and I say, I have a letter stating I owe a debt. I believe beyond a shadow of a doubt that this debt is not mines and the lady hung up the phone. I called back and she hung up again. I called back and did not get through to anyone. In addition, to this stressful letter that states they say they wont sue me for it or report it to the credit bureaus because its so old. But of course I dont believe them Thx a lot
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Hello, I am requesting your assistance because I have made every effort to have this issue resolved. XXXX XXXX Credit Card was supposed to be removed from my credit report but Equifax is refusing to do this even though I have provided the supporting document. At this time, they are preventing me from getting approved for a home loan. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

After the data breech I locked my credit with all 3 credit services. Now I want to refinance my home and I can get no response to unlock it. Equafax keeps telling me their system is being backed up. XXXX keeps you running around in phone prompts but will not give you a person to talk to. To frustrated to try XXXX XXXX. Wasted to days and lost my interest rate quote. Feel like I am being held hostage by them.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I sent XXXX XXXXXX/XX/XXXXan validation letter so they sent me a copy of my contract. From the contract Experian, XX/XX/XXXX and XX/XX/XXXXhas been reporting the wrong information on my credit report. I been disputing this account for about 5-6 months and they continue to report incorrect information. I've sent the contracts first primer has sent to me and they still reporting it. They also all are reporting different things on my credit report.
Consumer complaint received 2018-01-23
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: Experian Information Solutions Inc. (NY)

Requestor ( myself ) : XXXX XXXX Contact : XXXXXXXXXXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2016-09-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (CA)

My problems with ACS go beyond the fact that they are almost impossible to get a hold of and that their email function on the website is a scam - you email them and they send an automatic reply saying they 'll get back to you within 48 hours but that never happens! Other issues : So I got a loan of {$4000.00} from my graduate school and my school has a forgiveness program where ever year that you work in your field, a percentage of the loan is forgiven. Well I got most of the loan forgiven seeing as I 'm a XXXX XXXX and this job title falls under the forgiven positions. Unfortunately ACS declined my last year because I switched jobs and my title is no longer XXXX although I perform the duties of a XXXX and XXXX ( which also qualifies for forgiveness ) and probably more. So the reps ( who are usually nice but have no control over anything ) told me to simply word the letter differently which I did but am still waiting for it to " process ''. It 's literally been processing for several months and I call once a week and am on hold for about 20 minutes each time and get the same answer, " It 's processing ''. Even though on the website it shows my loan is " Past due '', the reps tell me not to worry and that that will disappear once it 's processed although the first time it was declined, this past due status did not disappear. I also was told that they reported to the credit bureau that I was not delinquent because the loan was " processing '', yet I have no proof of this happening. So I called my school and the person who answered told me they had updated my file about a week ago saying " Fax not received '' even though the rep had confirmed that the fax was received already and was " processing ''. Scam!
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Home Servicing LLC (GA)

We have been approved for a Loan and three weeks later still do not have it ( see below ). We did supply all of the requested documents. 
Please help! 
XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX to me Hi XXXX and XXXX Your loan is approved! We have the following conditions in order to clear the file for closing. Do you think you might be able to provide by close of business tomorrow? 
Letter from XXXX stating your intent to retire XXXX/XXXX/16 Can you access the gmbenefits site and get an update printout on pension benefits? Underwriter is looking for something more recent than XXXX Copy of account statement reflecting earnest money has cleared your account/copy of the cancelled earnest money check would be sufficient Letter from estate attorney explaining the deposit of XXXX from the sale of property Name and number for insurance agent Signed attached form XXXX XXXX XXXX XXXX Mortgage Loan Officer HomeServices XXXX LLC XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX Office ( XXXX ) XXXX XXXX XXXX Cell ( XXXX ) XXXX | Fax ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX If this email was sent to you as an unsecured message, it is not intended for confidential or sensitive information. If you can not respond to this e-mail securely, please do not include your social security number, account number, or any other personal or financial information in the content of the email. This may be a promotional email. To discontinue receiving promotional emails from HomeServices XXXX LLC, click here : XXXXXXXXXXXX HomeServices Lending, LLC does not offer loans in all states. 
Licensed by the Department XXXX under the XXXX Mortgage Lending Act. XXXX XXXX Mortgage License Number : XXXX. Regulated by the XXXX XXXX XXXX XXXX XXXX. Licensed by the XXXX XXXX Bank XXXX to engage in business XXXX, License # XXXX, Expiration XXXX/XXXX/16. XXXX XXXX Mortgage Licensee XXXX. XXXX XXXX Mortgage Company, License Number : XXXX. XXXX Mortgage Loan Act Certificate of Registration : XXXX XXXX ; XXXX Mortgage Broker Act Certificate of Registration : XXXX XXXX. XXXX Mortgage Lending License XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 2016 HomeServices Lending, LLC. All XXXX XXXX. XXXX XXXX XXXX XXXX