davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
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. (AR)

XXXX XXXX never sent any documentation over to XXXX XXXX about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my 1099c form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my equifax 2.0 score dropped 28 points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also XXXX a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Adjustment Bureau, Inc. (IA)

On XX/XX/2021, I submitted a complaint to the CFPB in regards to the issue I am having with Financial Adjustment Bureau. The collector responded to the complaint on XX/XX/2021, and advised that because the account was not disputed within the initial 30 day validation periods they were not obligated to respond. 15 U.S.C. 1692g ( c ) provides that failure by the consumer to dispute the debt during the thirty-day period after the debt collector 's initial communication with the consumer may not be construed by any court as an admission by the consumer that he is liable for the debt. I did not receive any proof from the collector that I was notified of the debts. The company has violated Iowa Consumer Credit Code 537.7103 ( c ) by failing to negotiate my disputes in good faith and willfully refusing to correct the issue. The company claims they have no responsibility to respond to a validation request, but this is false as they're a debt collector and not the original creditor.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (MO)

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 XXXX 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 Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2021-06-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control (CA)

On XX/XX/20, I wrote to Continental Credit Control, a collection agency that was attempting to collect {$2100.00} on behalf of XXXX XXXX XXXX XXXX. I wrote the company asking them to verify the debt and provide me with any documentation showing details of the debt I presumably owed them. I sent the letter via certified mail which they received on XX/XX/20. Continental Credit Control did not respond to my letter and subsequent validation letters that were sent to the credit bureaus. 

As you can see per the attached invoice from Continental, there were two line items in the account summary for {$1000.00} and {$1100.00}, respectively. From what I can surmise, these two amounts equal the amount above that they were trying to collect, which means that they would only report one amount to the credit bureau. However, their malicious intent to inflict as much damage as possible, they reported each line item separately in order to show two collection accounts instead of one in order to make my credit report appear worse than it is. 

However, in spite of my repeated personal request and through CRA 's dispute process, they have failed to provide detailed documentation of the alleged debt. By reporting the collection account on my credit reports that they can not validate, they are providing false information that is damaging my reputation and preventing me from obtaining credit under the best possible terms.
Consumer complaint received 2021-02-05
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: AMERICAN HONDA FINANCE CORP (IL)

I was checking my credit report and I noticed a few inquiries on my credit that I did not authorize. I noticed the issues yesterday while checking my 3-bureau credit reports through experian. I also noticed an account that appears to have been paid off or dismissed, but it is not an account that I authorized to be open. 

Accounts : American Hinda Finance - acct # XXXX - date owned : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX  Card XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX US Sm Bus Admin ODA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CO)

My former neighbor and business XXXX XXXX XXXX has written me multiple bad checks summing up to nearly {$150000.00}. These checks were either deposited and then the cash was given to him or they were to cover charges he put on my credit card, damage to my car and damage to my nose. These checks were written by XXXX and drawn upon TD Bank. I deposited them through my personal XXXX account. The checks went through as verified and funds available, later ( in some cases 2 weeks later ), the checks would return. One of the checks that returned was a cashiers check from TD bank. I have already reported XXXX to the local authorities, FBI, Trade Commission and XXXX DA office. The fraud investigator is currently working on this case to press criminal charges. I have also sent XXXX a demand letter via certified mail nearly 30 days ago. He has failed to respond. I have tried to contact TD bank but they are not cooperating because I am not the maker of the check. TD bank is not taking responsibility for their customers issuance of bad checks and cashiers checks.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

fcra violations not mine : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

Back in XXXX, I had to switch accounts from which my mortgage payment was withdrawn from ( to a XXXX account ). Prior to that, several months before, I was issued checks for this said XXXX account. Without my knowledge, these checks had the wrong account number on them ( two digits were switched ). Prior to switching to this new XXXX account, I had used the erroneous checks successfully and without notification from XXXX that the numbers were not correct. 
When I added the payment information to Freedom Mortgage using the erroneous check number, I was not immediately notified that the account information was incorrect. I received a letter from Freedom two weeks after the payment failed mentioning the account number was wrong. I thought that maybe I inputted the check number wrong, as I had no idea the account information on the check was incorrect. By the time I received any notification from Freedom Mortgage, I had a late payment and a negative credit reporting. It wasn't until this time that I realized the account information was wrong. Again, XXXX used did successfully withdraw payment to another vendor using one of these checks. 
I am complaining because Freedom Mortgage did not give me adequate time to find and adjust the error. In a communication with them, they claimed they called me on three separate dates. My phone records do not show any calls from them. They also said they were unable to leave voicemails. In a further communication, they said they don't always attempt to leave voicemails. I had a perfect payment history with all companies, over XXXX in liquid assets on a $ XXXX mortgage. They did not provide adequate time ( mailing a letter weeks after the delinquency ) and I could not find the error in time. Then they lied about actually calling me.
Consumer complaint received 2021-06-28
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. (NY)

There are multiple inaccurate credit inquires on my transunion credit report that I called and spoke to 2 supervisors trying to correct but they refused to correct them. They gave me no solution and told me regardless they don't delete inquires which I know is false information. 


These are the inquires I don't recognize XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-27
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. (LA)

I am a Victim of Identity Theft and was advised by the Federal Trade Commission that I should file a report or complaint with the Consumer Financial Protection Bureau to resolve this matter and issue of fraudulent items reporting on my credit report.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2021 I found my account locked. After calling I was told my account was being closed for risk. This happens after 5 previous calls that I had made because my transactions were being flagged for unusual activity and each time the agent on the phone would tell me that they have noted my account unblocked my cards and that I would have no problem using my cards. I told them I was trying to purchase cryptocurrency and they would tell me it should be ok now. But then immediately after trying to repeat the purchase my card would lock again. It wasn't until my 5th call that the agent told me bank of America won't allow cryptocurrency purchases. That is also when they locked my account and said they are closing them for risk. But had I been told on my first call about not allowing XXXX I would have not continued to try, but the agents all told me I was OK to redo the purchase. But now my business account and my personal accounts are all locked and being closed. These are my only accounts and all my money is in these accounts and to do this during covid is wrong. Also I have a ppp loan funds in these accounts. {$10000.00} of these ppp funds distributed to my personal account for 1 month of back pay owner compensation and 1 month owner compensation for month of XXXX. The other {$7500.00} is in my business account and ppp funds have strict time periods on when the funds must be used and I am using a 10 week covered period with this ppp. And bank of America closing my accounts with these funds in the account greatly affects my ability to abide to the spending for 10 weeks period for ppp forgiveness.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (OH)

I am filing this complaint against Experian, XXXX and XXXX credit bureaus. I should not have to " opt out '' from these companies using/selling/sharing my information with anyone. Why does the government allow these " opt out '' items in agreements/policies of these companies. It should be an opt-in if you want your information disclosed. These companies do not inform the public that you have to " opt-out '' for these companies to stop disclosing their information.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX, & XXXX violated my rights as a consumer pursuant to 15 U.S. Code 1681b. I did not submit written consent to these agencies for them to furnish a report. These agencies can not provide me evidence of a written consent. I contacted Experian on XX/XX/XXXX and XX/XX/XXXX via calling to get everything on the profile deleted. They ignored my request and told me they could not delete my account. I asked them to produce documentation showing my written consent and they said they have no evidence of my written consent but still would not delete the profile. I contacted XXXX on XX/XX/XXXX via calling and told them the laws they violated and the agent disconnected the call. I attempted to speak with XXXX  but the call never connected me to an agent. As a consumer I feel extremely violated.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have had no personal communication with this company other than an occasional letter. 
I had a collection account reported that was just recently removed from my reports due to it aging off. It was removed directly by the credit reporting agency a few weeks ago. Today I got an alert that a new collection has appeared. They didn't report it as a collection account. They reported it as a regular credit account although it says collection. 
Now they say it will remain until XXXX of XXXX. 
If it was removed from the report by the credit reporting agency as per the information given them by the collector, how can they turn around an report it again as a regular account? Probably because if they reported it as a collection it would have been caught and not allowed to be re-reported.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (VA)

Opened unfunded checking account with Discover Bank on XX/XX/XXXX with intent to fund account with deposit of check on XX/XX/XXXX. After submitting mobile deposit on XX/XX/XXXX, got message that funds would not be available until one week later on XX/XX/XXXX. Had not been informed of hold on check deposits when I opened account or before I submitted the mobile deposit. Was informed today by issuer of check I deposited that Discover has my money but they refuse to make my money available to me before XXXX. Direct deposit of my social security check will also be made to this account on XXXX and I will be closing this account on XXXX. Stay away from Discover Bank
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

We started the refinance of our home on XX/XX/2021. We were told that we would close sometime between 30-45 days. It's been 80 days since we started and all we get is request for the same information over and over again. There is no end in site, this company took our {$500.00} and has failed to deliver the product. They barely respond to calls or emails, and are constantly lying on the status of the file. They say they will call back then do not. We were told we were priority, and that's clearly not true. There is absolutely no reason for this. 

I am self-employed while my husband works for a company, and they are claiming that new XXXX XXXX and XXXX XXXX guidelines are making it difficult on small businesses to get loans due to COVID. I don't believe this to be true at all.
Consumer complaint received 2021-06-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (MN)

This is XXXX, Venmo froze my account n XXXX the money, they did it twice to me before that with PayPal. 
We need to contact the district attorney and ny state attorney general. 
They are not allowed to get away with thisPeople that run companies in such a negative manner are toxic to society, they can take what they want, when they want, change this policy and that policy whenever, however, freeze accounts/unfreeze accounts and hold our share for their own XXXX XXXX/agenda ( s ).

So I suppose while we are being ripped off, trying to make an honest living, Similar issue just happened to a friend of mine trying to pay me for rent. They paid the wrong person by mistake and now have frozen her account which leaves me left without the funds. If this isnt resolved quickly we may be looking for a new place to live. So frustrating and their support people are evasive and refer you to email only. Absolutely unacceptable customer service., I found that my venmo account had been frozen and all of my funds that I had at my disposal were being held. I spent countless hours chatting with a vast army of representatives before finally hearing from an account specialist via email. They stated that I had broken one of their policies and that my funds could be held for up to 180 days for loss prevention purposes. I stated that the only loss was my money. No matter what I did, they still have not told me exactly why my account had been frozen. I have XXXX XXXX and some change lock in my venom account and for trying to transfer out to my bank my account was frozen and after complying with thier requests for my back account statements my account was no link nger available to me with my money taken by them This is total XXXX we all should stand together and file a law suite against these XXXX
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (IL)

Paid off a debt after agreeing to a settlement agreement with NCB Management Services Incorporated.

They reduced the balance of the account as agreed by reporting it to the credit bureaus.

They then re-reported the full remaining balance against me to credit bureaus claiming it is part of the process and they can do nothing about it.

Made contact with company who is unable to anything about it and " attempted to transfer me to a supervisor/management '' for an hour before coming back with " It's under investigation now. We'll contact you later. '' Unlawful negative action taken less then twenty-four hours after fully satisfying the payment plan as made.
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Olympic Collection Inc. (WA)

On XX/XX/2021 at approximately XXXX, I received a phone call from my mother about a stranger who came to her home with paperwork. Upon answering the knock on the door, the stranger asked, Is XXXX XXXX here? To which my mother responded, Who is asking? The stranger states aloud, I have legal paperwork for her from Olympic Collections - a debt collector that I need you to sign. My mother then responded, I dont know anything about this so I will not sign and I am not taking this. At this point, my father heard the commotion and interceded, stating You need to leave our home. We are going to take your license plate. ( My mother states the plate # started with the letters XXXX on a white XXXX vehicle. My parents are in their XXXX and could not remember the rest of the plate number ). The stranger then proceeds to use profane language as she walks away and speeds off from the driveway, behind my parents van, where the stranger parked her XXXX. My mother felt so humiliated as neighbors from across her home watched this strangers abuse of inappropriate power. I am writing this complaint as I feel that my rights as a consumer have been violated while my elderly parents were harassed. I am mortified that this company would use a stranger to get abusive to elderly patrons as well as share private information regarding any debt to outsiders without my consent nor any previous communication.
Consumer complaint received 2021-06-28
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.