davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccurate and fraudulent information being reported on my credit report by AmeriHome, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681s-2 ( b ), AmeriHome is obligated to conduct an investigation upon receiving notice of a dispute regarding the accuracy of information they have reported to credit bureaus. However, despite my request, AmeriHome has failed to verify the validity of the account or provide any documentation, such as the purchase agreement, to confirm full ownership of the account.

Additionally, AmeriHome no longer holds this account, as it was transferred to another servicer without any prior notification to me, which may also be a violation of the Real Estate Settlement Procedures Act ( RESPA ), under 12 U.S.C. 2605 ( c ). This statute requires that servicers provide advance notice before transferring a loan. Despite this transfer, AmeriHome continues to report false information on my credit report, which is a violation of FCRA and is damaging to my credit standing. 

I also want to emphasize that I have made all required payments and was never informed of the transfer in advance, as required by law. By continuing to report inaccurate and fraudulent information, AmeriHome is in violation of 15 U.S.C. 1681i, which requires credit furnishers to correct or delete inaccurate information once a dispute is filed.

I respectfully request that the CFPB take action to ensure that AmeriHome ceases the false reporting and fully complies with its obligations under the Fair Credit Reporting Act and RESPA. I am also requesting that AmeriHome provide me with the necessary documentation to confirm the accuracy of the account, or have the inaccurate information removed from my credit report. 

Thank you for your attention to this urgent matter. I look forward to a resolution.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (MD)

XXXX Bank provided a false and misleading statement in response to CFPB complaint XXXX. Their response stated : " Please be advised that it is your right as an Optum Bank customer to be able to speak with a customer service representative based in the United States. This can be requested when you make a call to our customer service center. '' Today, I called Optum Bank and again requested to speak with a U.S.-based representative. The foreign representative, located in the XXXX, unequivocally stated that there was no way to connect me with a XXXX rep. Instead, she offered only XXXX inadequate option : A callback from a XXXX rep within XXXX hours, with no further attempt to contact me if I missed the call. 

A callback service with up to a XXXX hour wait is an unacceptable solution for connecting customers with XXXX representatives. 

I urge federal authorities to sanction Optum Bank and its management through substantial fines. Additionally, I am seeking {$1000.00} in compensation for the time I have spent attempting to obtain truthful information from Optum Bank representatives.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2024 this transaction was for a used vehicle the vin information was provided to them I received a denial notice in my email stating multiple violations in accordance with CFPB and TILA and the United States codes and common law of contracts 15 USC 1605 finance charge also 15 USC 1602 ( g ), 15 USC 1611 for the false information that was provided in the denial notice and bank of America XXXX XXXX customer service said the information provided was within the law I said equal credit opportunity act states that no creditor can discriminate against any consumer for any aspect of a consumer credit transaction
Consumer complaint received 2019-01-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MI)

Flagstar bank tried to foreclose on me in XXXX. They alleged a lien against my property in XXXX XXXX, Michigan, during a loan modification process. There was no lein against me or my wife. The burden of proof was on us and we proved there was no lein. We filed for bankruptcy to prevent an inevitable foreclosure. I've discovered since that flagstar illegally blocked borrowers attempts to save their homes. My bankruptcy was discharged in XXXX as I lost my job of 4 years. I've applied for mortgage assistance with Flagstar and have been denied. They are using the same stall tactice and dual tracking. I need help.

I have also made Flagstar aware of the XXXX issues I had. I sent papers by certified mail outlining my XXXX issues. They are reviewing but I'm sure they will foreclose before resolving the issue.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear Equifax, On XX/XX/XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Equifax regarding the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response , I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Equifax has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. 

Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Equifax delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Equifax provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Equifax. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013  ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Equifax will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

Today XX/XX/XXXX I received correspondence from Bank of America with a debit card. I was with bank of America over 10 years ago and closed my account in XXXX. I checked e-mail address that I used when I was with the bank to see that there's 3 e-mails from XX/XX/XXXX about an application, that the application was in progress then that it was approved. On XX/XX/XXXX I got a welcome to your new account and giving instructions on what to do, funding account, XXXX monthly fee for having an open account and others. I called Bank of America today XX/XX/XXXX spoke to a rep advised I received a debit card in the mail and didn't open an account, she transferred me to the fraud dept. The gentlemen starts asking questions to verify me I advise to him the same I received the debit card and didn't open he says he can get the account closed but then refused to when he wanted me to verify my full ssn. He said I can go to a local branch I advised him were I am located at and that the nearest Branch is around 400 miles away. He said he would send an e-mail to allow me to close the account. Only e-mail I got was about protecting my Identity
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I'm contacting you regarding a collection entry from your agency on my credit file. This entry has come to my attention without prior notification, and I have significant concerns about the debt 's validity. Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. I ask that you provide the necessary validation and take steps to resolve this issue.
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NV)

I sent a debt validation letter to the collection agency, requesting that they provide documentation, including contracts and agreements with my name on them, proper identification, and the signed agreement that establishes this debt belongs to me. Despite my request, the collection agency has failed to respond and provide the necessary documentation to validate the debt.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION (FL)

I'm trying to buy a house and I saw all these hard inquiries on my credit report Regions Mortgage XXXX XXXX Regions Mortgage XXXX XXXX  Regions Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the 15 USC 1681 Law there should not be any damages on my report
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

Opened a chime account late last year and have been having problems with funds disappearing and automatically being taken from me after I make deposits remind u I have nothing automatically being taken out nor do I give anyone access to my information dates would be mainly from XX/XX/XXXX to now around XX/XX/XXXX I've been having these mystery withdrawals and money taken out every dispute gets denied within a few hours of them saying it'll take weeks to solve meaning they did no kind of search in my funds I've filed police report and sent to them still nothing just would like help in dispute of the whole account and reconciliation would be giving all funds in account back
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am certain you are aware that threatening legal action without the intention to follow through is illegal. Thus, be informed that I am resolutely serious about pursuing legal action against your company. I have sent numerous letters requesting that you investigate and remove all inaccurate information reported on my credit profile, yet you persistently fail to comply. It is my understanding of the law that you are obligated to honor each request to investigate incorrect information, which you have evidently ignored. This blatant disregard is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides individuals the right to take legal action against consumer reporting agencies and furnishers of information for non-compliance, including penalties and liabilities. 

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 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

I am requesting debt validation, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with Wakefield and Associates, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon obtaining a copy of my credit report, I have observed multiple errors and unapproved accounts/data added to my record. My life and credit health have suffered as a result of these comments.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On 5 different occasions my account was used fraudulently and each time I disputed the charges USAA claim they did an investigation and the charges was made by me which they werent i never received my replacement card that was used for the fraudulent activity and after that they sent 6 debits cards at once as my banking institution i feel they never disputed on my behalf because of the amounts now my account is overdrawn almost XXXX which if they closes it I wont be able to get another account because of course i will be in XXXX so it makes it hard without a bank
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XX/XX/XXXX a claim was filed against me by portfolio recovery associates its been 4 months sice paper was filed they bought a XXXX XXXX  account on XX/XX/XXXX {$11000.00} they are asking for additional fees that come out to XXXX. They have violate my consumer rights i did not authorize for any of my personal information to be sold. Now i am being harassed by a third party company that i dont have a contract with. I am asking for deletion immediately 15 U.S. Code 1692
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc. (CA)

So I recently got a used XXXXXXXX XXXX when I was obtaining a loan for the car, Carmax had told me that their special system will check with 7-8 banks at once and then after a few months those checks will combine into one on the credit report. It has been almost a year and the credit checks are still showing 20 total. It is severely impacting my score. The car did end up getting repossessed and I no longer have the car. My credit report is still counting the months after no longer having the car as late/overdue payment. I had a rough time and I am currently on unemployment and now trying to fix the damage that 6-8 months has done to my credit. Id really like if these checks got combined/removed and the late payments for XXXX and forward.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNT XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-21
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

I had a natural disaster in XXXX Texas and no lights for over 13 days. After I regained electricity I called citi bank Home Depot credit card service and was advised That I would be enrolled in a XXXX disaster relief program and that it would defer my payments and keep y as count from defaulting. I was also apprised that it would not impact my credit limit. I would also not be receiving collection calls. The following Saturday on XXXX XXXX I received a debt collection call and was told my credit limit was dropped. I now can longer afford windows to put them on my credit card my credit limit went from XXXX to XXXX and now this will impact my credit score and place me at risk for my other card to drop as well. The rep explained. To me the system did not update and it triggered that credit limit decrease.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bank statement, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required document.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).