davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: ALLIANT CREDIT UNION (CO)

Subject : Complaint Against Alliant Credit Union for Breach of Contract and Securities Fraud To Whom It May Concern, I am writing to file a formal complaint against Alliant Credit Union ( ACU ) regarding their actions, which I believe constitute a breach of contract and securities fraud. My name is XXXX XXXX XXXX, and I am a customer of ACU. The property in question is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I entered into a mortgage contract with ACU on XX/XX/XXXX for an original amount of {$800000.00}. 

On XX/XX/XXXX, XXXX contented that I am in breach of contract for failure to make payments pursuant to the terms of my promissory note. I contend that ACU breached our contract on XX/XX/XXXX by engaging in securities fraud. At the time of the contract 's execution, ACU fabricated bank credit by means of a journal entry onto their books while representing that they were loaning me money from an existing pool of capital. This action constitutes a failure to provide proper consideration, a fundamental requirement for any lawful contract. Therefore, ACU lacks the right to enforce the terms of my promissory note or claim title to the aforementioned property. 

It is fraud for any business to fabricate assets on its balance. While many companies have been able to get away with this for a time such as XXXX, XXXX, XXXX XXXX, and XXXX, investigation proves that the companies success was deceptive, a paper fabrication. I request that ACU present evidence that the bank credit loaned to me came from an existing pool of capital. If this evidence can not be provided, I request that the contract between myself and XXXX be considered broken and ACUs practice of lending be investigated similar to the investigations of XXXX, XXXX, XXXX XXXX, and XXXX. 

I acknowledge that this complaint may seem unusual ; however, it is grounded in the recognition of suspicious activities that often underpin cases of fraud. If ACU can assert that I am in breach of my contract for failing to uphold the terms of my promissory note, then I maintain that, by the same standard, they are in breach for fabricating bank credit without adequate backing. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure accountability and justice. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Easyknock (RI)

I was lead to believe that I was unlocking equity out of my home.After a difficult divorce and a below average XXXX score, the company EasyKnock promised to help.This company manipulates and tricks people into signing over their homes at below market prices and failed to disclose the exorbitant fees and costs that they withhold during this transaction.Easy Knock then rented back my home at a much higher monthly payment than promised, and the rent continues to climb.Major home repairs were not addressed in a timely manner and on top of this, I am forced to pay for all repairs and maintenance on my home .This company is highly deceptive and detrimental to consumers.They have blatantly broken many truth in lending laws and violated all consumer protection regulations, including fair trade standards.EasyKnock has been banned from business practices in Massachusetts and has paid a major settlement fine. Easy knock is being heavily investigated by Attorneys Generals in XXXX, XXXX  and in my home state of XXXX XXXX.Please stop this disreputable business from stealing anyone elses hard earned home equity and livelihood.Thank you.
Consumer complaint received 2024-09-20
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (MO)

Was hung up on several times trying to find resolution from XXXX XXXX. All these were not authorized charges XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX card replacement from Payfare {$5.00} XXXX-card replacement from Payfare {$5.00XXXX I put the card replacement charges in because they sent a new virtual card and still was compromised. They asked me to change my email address and password which I did on XXXX when I discovered all these charges but they still allowed my card to be charged. They have been unhelpful, rude and dismissive with this matter.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My account with ( XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I looked at my credit report and noticed that the information on my profile was incorrect. There are several hard inquiries on my credit report that should not have been on my report profile and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a request asking them to reinvestigate or remove these hard inquiries listed below : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US DEPARTMENT OF EDU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contract hire ) XX/XX/XXXXXXXX XXXX ( Construction ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Bank ) XXXX XXXX, XXXX Experian>> XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Yesterday I made a deposit of XXXX. A check of XXXX dollars XXXX dollars in cash. This transaction was made at a US Bank location XXXX XXXX in XXXX CA. The date of this transaction is XX/XX/2023 at XXXX pm. A family friend gave me this check because I am about to be evicted. Today XX/XX/2023 was the last day for me to pay the full amount or I was to be expecting police at my home. I asked the teler when the check would be cleared and they told me that it would be cleared by this morning XXXX.After multiple calls of contacting us banks customer service as well as speaking to the teller at the branch location I heard the customer service representative say that due to possible fraud USBank has placed a hold on the check until the XX/XX/2023. Both the branch and the customer service representatives told me that there was nothing they could do. I need this escalated because this is not ok. I've deposited larger amounts in the past with no problem at other banks. This is the 1st time a bank has done this. It's affecting my lively hood.
Consumer complaint received 2024-09-16
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: Capstone Credit & Collection, LLC. (FL)

VALIDATION AND CEASE AND DESIST Collection agency name : CAPSTONE CREDIT & COLLECTIONS, LLC Address : 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 Dear CAPSTONE CREDIT & COLLECTIONS, LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunlight Financial LLC (IA)

On XX/XX/XXXX I signed a contract with XXXX based on a XXXX XXXX for the amount of {$28000.00}. The XXXX sent a second XXXX XXXX different from what I had contracted. I called XXXX and asked for my original XXXX XXXX to be approved. A new 3rd XXXX XXXX was generated. This XXXX XXXX generated by XXXX was 30 % less than the original and the same {$28000.00}. I called the representative for XXXX and asked how is that supposed to work and if I would be able to add electric water heaters ( the house is a side by side duplex ) and electric stoves etc. The representive informed me the original layout was unattainable due to the amount of energy quoted in contract. I told the XXXX representative to give me a bid on just having solar panels on the South side of the duplex only. I was asked if I own my house ( yes ) and to send pictures ( I did ). The Site Capture states that " Please complete this form as soon as you can. Once complete your solar project will continue. Thank you, XXXX. '' I did not accept this layout and did not complete the form to continue the solar project. I sent a cancel notification on XX/XX/XXXX after XXXX came, unannounced and installed the solar panels according to the second XXXX XXXX. I immediately called the representative and told them they messed up and did not get my approval and installed the panels on the wrong side of the duplex. Now the Loan Company, Sunlight FinancialXXXX XXXXXXXX XXXX is sending information to the Credit Bureau stating that I am 30 days, 60 days or 90 days delinquent on this account. When I complain ( I do not receive billing on the loan ) that the loan is on defer payments waiting for resolution, Sunlight FinancialXXXX XXXX XXXX removes the negative information. Then they resubmit it immediately, generating another request for it to be removed. This not only caused undue stress, as it takes several months for the credit bureau to investigate and for the loan company to reply, but I might need a loan for any number of things. This can affect the percentage of interest charged on a new loan. Please help.
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I recently received a copy of my credit report and was astonished to see that I am a victim of identity theft I noticed numerous fraudulent accounts reporting on my credit report, please remove these accounts as stated by law, I have also included a identity theft report with this complaint. 

XXXX XXXX XXXX ( account # XXXX date XX/XX/XXXX XXXX XXXX XXXX ( account # XXXX date XX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Columbia debt recovery I have never done business with them. I was sent to Collections for {$400.00}. 

My credit score is always above XXXX. Not sure what debt they are trying to collect but definitely an error. Company unable to provide information about the money owed. 

I need them to remove the collection. I have no active contract or any business with them
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My husband died penniless after making bad investments. 
I have been sick for years as a result I am not privy to the details pertaining to the mortgage or financials regarding the house. 
The house was bought by the lender in XX/XX/XXXX. 
We asked for an extension to reorganize our assets and have the ITS remove the lien against the house. 
My husband worked in other states and overseas because he was an independent contractor.

The result was that he did not pay some of his taxes in the US. 
Whike trying to rectify that with the IRS, I had it had skin since XXXX, I was hired by the county of XXXX on XX/XX/XXXX. 
I was not able to proceed to work after three months of training. I XXXX go on XX/XX/XXXX. 

In the meantime we sought help from an Attorney to help us remain in the home shoe we try to figure out how to vacate and where we would live next. The house was our only investment. We couldnt even refinance. I am the administrator of the estate, We need certain assurances and to legally occupy the house with known limits as to how long we can be in the home. 
Also my husband told me that he paid off the mortgage and the house was supposed to be a safety net for our kids.
Consumer complaint received 2024-08-28
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft report. Please delete the following accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there.

FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g ] Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account Name : DIVERSIFIED ADJUSTMENT Account XXXX Account Name : 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 Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

On XX/XX/XXXX, I discovered six transactions, 3 on XX/XX/XXXX, XXXX on XX/XX/XXXX totaling {$4000.00} which were bank to bank transfers made using my US Bank Relia Card. I tried to use my card and the transactions were declined. I called the bank and was told of the fraudulent transactions. A fraud form was mailed to me. 

I tried to login to my account and was unable to login. Customer service would not let me into the account. The customer service representative read to me an email account which was associated with a Belgian service. The fraud dispute forms that were mailed to me also indicated the phony email address. I concluded that my online account was compromised along with my debit card. 

I completed and returned the fraud dispute forms on XX/XX/XXXX and filed a police report. Upon follow up, I was informed that my fraud claim was denied on XX/XX/XXXX. I have not been provided a reason why my dispute was declined. I have no other recourse than to file a complaint against US Bank Relia Card in order to receive a fair resolution of the dispute.