davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I purchased wind and hail insurance for my home on XX/XX/year> from XXXX  XXXX XXXX XXXX through USAA. On or about XX/XX/year>, I received a cancellation notice for the insurance with a cancellation date of XX/XX/year>. The reason for the cancellation was required XXXX photos of the front and rear of the insured location have not been submitted. I was never told to submit photos of my home when I purchased and paid for the insurance. I called USAA on XX/XX/year> and inquired about the cancellation. I was told to submit the photos to an email address at USAA ( XXXX ) I submitted the photos on XX/XX/year> to the email address and I have sent XXXX additional emails to that same email address asking for verification of receipt of the photos. I have not received a response from USAA. I can not afford for this insurance to be cancelled and the mortgage company to force place expensive insurance on my property.
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (TX)

I asked for them to stop sending me things and to remove the debt off of my credit report because one the debt is over 20 years old and they are reporting it as a new account and two I do not have knowledge of the debt. They in turn continue to call me all the time email me as well as send several notices in the mail.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (FL)

Dear CFPB Team, I am writing to formally file a complaint against Equifax for their refusal to remove an inaccurately reported bankruptcy from my credit report. Despite my attempts to dispute this information, Equifax continues to report a dismissed bankruptcy, which is unfairly impacting my credit score and financial standing. 

Description of the Issue : The bankruptcy in question was voluntarily dismissed by the court, as evidenced by the attached court order. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a credit report is accurate and complete. Reporting a dismissed bankruptcy does not accurately reflect my current credit status and is effectively equivalent to no bankruptcy at all. 

I have contacted Equifax multiple times, providing them with the court order dismissing the bankruptcy. However, Equifax has refused to remove the dismissed bankruptcy, and remain on my report as " dismissed. '' This continued reporting is unjustly damaging my credit score and financial opportunities, misrepresenting my creditworthiness, and leading to higher interest rates and denied credit applications. 

Attachments : 1- Copy of the court order dismissing the bankruptcy.

2- Copy of correspondence with Equifax regarding this dispute.

Thank you for your attention to this matter. Please confirm receipt of this complaint and keep me informed of any actions taken.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX has turned me into derogatory remarks due to the beginning of the loan they could not get their paperwork correct. I am being penalized because they are to cheap to have a computer program to control your autodraft payments. Once they got the issue corrected there was never a late payment. I was told several times since this is their clerical mistake they would not reflect late payments on my credit report. As you can see they lied.. corporations should be held to a high standees not a lie. My next complaints will be with the OCC, FDIC and other organizations I can find till I get this returned. I should not have to fight to get my loan company to accept the payment and set up autodraft. So many companies have it where you can adjust it, set it up and delete autodraft online. Had XXXX had this option this would not have been the issue. This is an intentional situation devised by XXXX TO REDUCE CREDIT SCORE AND MAKE REPORT LOOK UNFAVORABLE. However the new customer was denied this process. It was denied for a specific reason that they achieved.
Consumer complaint received 2024-06-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: MIDFIRST BANK (AZ)

On XX/XX/year>, I opened XXXX Certificate of Deposit ( CD ) accounts with MidFirst Bank for my mother ( I was acting as her Power of Attorney ). I was told by the bank representative that when my mother passed away ( deceased ) the only documentation I would need to close her CD accounts was the Death Certificate. Upon my mother 's death, I tried to close the CD accounts and was told by the same MidFirst bank representative that I now needed additional documentation ( i.e. a court document ) beyond the Death Certificate in order to close the aforementioned CD accounts. I would have never opened these XXXX accounts in the first place if the bank representative had been forthcoming with all that would be required of me to close these accounts after my mother 's death. 

The bank representative was either withholding information in order to gain access to new monies being transferred to MidFirst Bank ( which is fraud ), or the bank representative was ignorant of everything that was required from the bank ( negligent fraud ). Midfirst Bank is currently withholding the XXXX CDs ( totaling {$120000.00} ) refusing to close the accounts until I produce a court document ( they have not specified what court document ) thus forcing me into probate court costing me a lot more money and time all because of their banking protocols. I am the only surviving heir to my mother 's estate and can prove that fact with other documentation that does not require court appointed probate, but MidFirst Bank refuses to even consider these other considerations.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IL)

I noticed Radius Global Solutions is attempting to collect an alleged debt. I hereby dispute the validity of the alleged debt. I also request verification of the alleged debt, specifically a copy of the original purchase agreement. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

AES/PHEAA and XXXX took over my loans when i was told i had to consolidate them by the XXXX XXXX XXXXXXXX website at one point. I called myself several times to have the inaccurate missed payment data updated as i was enrolled in school at that time and they never updated it. I would get hung up on or put on hold for hours at a time. I finally put in through XXXX and XXXX to get the changes made and they were incorrectly updated again and i was told that there was nothing i could do but file this complaint. All of my other credit is perfect except for these XXXX loans that are XXXX my credit because the providers are not updating the records correctly.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (TN)

Sir i am on XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX i offer Midland Credit Management XXXX {$10.00} dollars a Month to start settling a credit card debt they would not except the pay. and started threatened legal action against me and to and XXXX XXXX XXXX XXXX XXXX Benefits after I told them this is illegal. 


Thank You XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I purches my car through USA Auto.I had this car for a year and my balance havent changed.I pay every 2 wks i paid 3 weeks on this car and didnt kno XXXX took over.Went to look at my account everything gone wthout a trace.After viewing my payments iam paying double for this car like XXXX dollars for a XXXX car.Dont kno wheres my money going at this point.Lost warranty on the car i really feel like this fraud and thy not stateing proper information on the paper work.If i let the car go back it might hurt my credit but i cant pay XXXX for a XXXX car.My pay off been the same for a year now.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (CA)

My name is XXXX XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$320.00}
Consumer complaint received 2023-06-15
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. (TX)

sonal Statement All My Passwords, Username, Banks Information, SSN, ID Information Are In My Note On My Phone. someone hacked inside my phone to access these accounts. I had Multiple accounts open in my name, Im still TO THIS DAY getting out my name.
Consumer complaint received 2024-06-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I purchased XXXX items And set up payment with my XXXX XXXXXXXX credit card not realizing that they applied my Amazon credit card to the account unknown to me however, I was billed for XXXX items That I purchased thinking that my credit card payment was coming out of my XXXX XXXXXXXX credit card. I received a text notice that I needed to pay the bill bill so I went to the Amazon account and it showed XXXX balance due. Therefore, to me, the text message was a scam, not realizing that I was going to get a text message instead of a statement. Im still not understanding how the payment structure is not showing on the Amazon account.
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

On or about XXXX XXXX, 2023 I answered an email from XXXX offering a special price on their product & I could cancel at any time. At that time it was specified that by signing up it was agreed that future shipments for {$40.00} would be sent unless canceled. 

The above statement is the problem. When I signed up, I took no notice of XXXX 's " Rules of Cancellation '', so on XX/XX/XXXX XXXX sent them an email thinking that this cancellation was sufficient. So when requested by Citi, I stated that I had no knowledge signing a subscription agreement, then later when I found that I did agree until cancelled, I reversed my previous statement. So Citi states in enclosed attachment : " due to conflicting statements ''. In stating that I did agree unless canceled I was merely correcting the statement in which I stated that I did not sign up for a subscription. Citi bases their decision on just this and not the overwhelming evidence which I sent to them. 

XXXX states that I emailed them stating that I could not locate my account requesting they cancel my subscription.This is a false statement. Attached is my email of XX/XX/XXXX telling me that they, XXXX, could not locate my subscription.So, instead of responding to the sender of this email, XXXX, they send their answer and all future emails to a very old email address never used but XXXX time several years ago that I never received. How can I cancel without their " rules ''. I tried to cancel by email every time that I refused a shipment from the XXXX which was XXXX times & received no response because it appears they were sending emails to " XXXX '' whoever that my be.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma (TX)

On XX/XX/year> I received 2 emails from Credit Karma Spend Account Services saying I created a virtual card and that I changed my debit card PIN. I called immediately to let them know it was not me. The representative told me not to worry he would deactivate the virtual card and freeze my account so no further activity could happen. About 30 minutes later my account was cleaned out. {$530.00} was spent on the supposed deactivated virtual card. The next day I disputed the charges. 2 days later I checked the progress of the disputes and it said they were unsuccessful. I called back ( never received a call or email from their fraud department ) and was told they called the merchant and verified the charges were made by someone at my IP address. I asked for copies of the merchant evidence and was told they would reopen the dispute and have a senior fraud investigators contract me. No one has called or provided me with a copy of the evidence they claim to have. I need it to file a police report.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TX)

I filed a complaint with you. I asked LVN funding/Resurgent not to communicate with me and I received a letter after filing this complaint and Resurgent responded to my request. I received a letter in the mail around XX/XX/year> trying to collect a debt that I do not owe them. I never signed any legal documents with this company. I again ask that you removed the items from all XXXX credit bureaus. I have asked them to cease all communication with me and to delete this collection from my report.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX  bank account number XXXX Credit report is showing a balance of XXXX However, the account was closed and written off. When I reached out to the company, I was told to fill out a XXXX and file my taxes. I was not able to pay off anything on the account because the account was closed. 

I filed my taxes and it has been acknowledged by the IRS. However, it is still coming up on my credit report with a balance. I spoke to the company and they say that theres nothing else they can do but supply with a XXXX I need this trying to purchase as soon as possible.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VEROS CREDIT, LLC. (LA)

FTC Report Number XXXX XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that your credit agency, XXXX and XXXX, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of a alleged auto loans with Veros Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now a balance of {$17000.00}. 
This account have resulted a fraudulent inquiry from XXXX. I did not give permission to Veros Credit to check my consumer report. If you notice the alleged account was opened on XXXX, So why is Veros Credit pulling my consumer report on XXXX. I've attached a copy of consumer report showing the inquiry in question. also attached the FTC report. 
I do not recognize the aforementioned accounts, collection, and inquiry appearing on my consumer report. 

I request, pursuant to FCRA 605B ( U.S.C 1681c-2 ), that the XXXX and XXXX credit reporting agency block all of the accounts, Collections, and Hard inquiries identified in this CFBP complaint from my consumer credit file within 4 business days of receiving said complaint. I request in written communication regarding this CFPB complaint be sent via email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

XXXX and XXXX are both reporting wrong information on my report stating that Santanders auto loan was charged off when it was paid in full. I have letter from Santander saying it was paid in full and they would contact credit reporting agencies to remove the charge off status.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (NJ)

I am writing to report violations of my rights by XXXX XXXX. They failed to validate an alleged debt, ignored my dispute, and may resort to unlawful collection practices. Please investigate and ensure they comply with the Fair Credit Reporting Act. Your prompt attention to this matter is crucial.
Consumer complaint received 2024-08-23
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. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (CA)

For XXXX XXXXXXXX I stated my emails XXXX and XXXX were getting flagged while using XXXX on my XXXX XXXX XXXX XXXX 

Now, instead of the situation getting resolved. I might add email XXXX to the list, also presenting problem during a recent transfer. My XXXX account deleted my checking account first and then when prompted I added the savings as the link account ( checking was not part of thew list anymore ) to only find that both account got removed from the 3rd party platform stating for my security this happened. This email ( XXXX ) was changed after XXXX didn't work at first when I set up my account to use XXXX, I had to come up with another email, so I switch it up for that one. 


On previous response I was told my profile has no issue and I can sign up for XXXX at any time. This is no true. I believe while your team is during the right investigation and finding nothing going on with my profiles, the other team who answers email from the institutions are the one going against you and doing the opposite. My Institution keeps communicating with XXXX  though the email proportionated to them and they keep responding my emails are part of a fraudulent transaction in the past with an institution. I don't believe this to be a reason why I should not use XXXX. 

You literarily telling me because I reported fraud on one account I'm eligible to open new Bank accounts in the future? That, my friend, HAS no sense. This is exactly what's going on here with that team communicating with my institution. 

I would like to have my emails XXXX, XXXX, and XXXX unflagged and unrestricted as soon as possible so I can continue using XXXX