davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Credit Management company issued a writ of summons to me on XXXX  In their supporting documents it states I opened an account in XXXX XXXX XXXX XXXX I have never even been to California. I had a problem in the past with someone who stole my identity and was opening up numerous credit cards and I've had to contact other companies and had to cancel them. I have filed an official police report with the Maryland State Police and the case number for that is XXXX. I need this taken care of within 15 days it states on the writ of summons.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX of XXXX, I submitted a dispute to Transunion against XXXX XXXX XXXX ' attempt to collect a debt not owed, of over {$16000.00}, on behalf of XXXX XXXX XXXX XXXX. To validate my claim, I uploaded a Writ of Re-Entry document, granted by XXXX XXXX, in XXXX of XXXX, granting access to the unit, ruling there was no prior rent due, nor prior debt owed to the community. Also included in the uploads were court documents showing XXXX XXXX XXXX ' cause of eviction, including a XXXX balance, on the rent balance owed line, submitted to the Court. 

CFPB file number XXXX, ( to include the same company in the same dispute ), upon completion of the investigation, was submitted to the FTC for enforcement , entering XXXXXXXX XXXX XXXXXXXX XXXX into the Consumer Sentinel Network . Because of this finding Transunion, ( nor any other credit bureau ), should not be allowed to uphold a debt that was fraudulently submitted against court orders and referred to the FTC for enforcement by the Consumer Finance Protection Bureau. 

XXXX XXXX XXXX attempted to present a court document regarding an eviction case they lost in XXXX of XXXX, citing rent owed, however in this case the Court too, ruled in my favor, as XXXX XXXX XXXX cashed the money orders presented via XXXX XXXX, and filed for eviction without cause. Because they lost the original case in XXXX, I was still a resident, illegally locked out of the unit in XXXX, with a XXXX granting my access to the unit in XXXX. Upon being escorted to the property via a XXXX XXXX XXXX, we discovered ( the deputy and I ) the unit had already been rented to new tenants, with my property disposed of. 

Between the Writ of Re-Entry dated XX/XX/XXXX by the Court, and the filing of this debt placed on my credit report, the same month after the Judge ruled, against Court orders, is upholding this community in retaliation, as the same community in the complaint acknowledged prior, no rent being owed as their Cause of Eviction in XXXX. 

My argument is because my family and I were locked out in XXXX, with no balance owed, XXXX XXXX XXXX should not be allowed to collect for a debt not owed nor disputed in the original argument that XXXX XXXX XXXX lost in court,
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

Per my settlement arrangement for the above stated account, negotiated on my behalf by XXXX XXXX XXXX on XX/XX/XXXX, the settlement amount ( {$4900.00} ) was paid in full on XX/XX/XXXX. I have enclosed the supporting documentation, to include the agreement letter, payment ledgers. 
I request that you immediately update my credit file with all three bureaus to indicate the account has been paid as agreed upon and indicate there is no past due balance. As of XX/XX/XXXX, you are erroneously reporting a past due amount of {$5300.00}, and have not reported the XXXX payments of {$410.00}. 

Attached payment ledger has payments sent to Chase highlighted. 

I have filed multiple disputes with credit bureaus and provided documentation. No results from filing disputes.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (VA)

1STProgress/XXXX, reported me 30days delinquent and I am not delinquent. I made my payment on time, and the company returned the payment. I have an excellent payment history and never missed a payment. The bureau shows i paid XXXX XXXX, and XXXX is showing 30 days late while we are STILL IN XXXX! I resubmitted the payment on XXXX XXXX XXXX XXXX XXXX XXXX for {$180.00}. I have attached copies of bureau as well. In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


Account noXXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (CA)

My mortgage was sold on XXXX, I have not been notified about mortgage been sold from either mortgage company. Per customer service from Roundpoint welcome latter was generated on XXXX XXXX and send days after. First latter that i received from Roundponit Mortgage was XXXX payment statement, but no welcome latter. Now my XXXX payment was not adjusted to roundpoint and XXXX is my only XXXX payment after transfer. I'm received late fee Late Charge Assessment XXXX XXXX, XXXX {$48.00} that they are not willing to waive under mortgage transfer law. Please help.
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY (FL)

This is a follow up complaint to my prior complaint XXXX XXXX filed in XXXX. 

In XXXX, for the second time, TD Bank ( mortgagee ) has placed duplicate insurance on my property AFTER I provided TD Bank with written evidence of property insurance. In XXXX ( similar to XXXX ), TD Bank requested proof of hazard insurance and in each case I sent TD bank proof of hazard insurance on my property. In XXXX ( similar to XXXX ) TD Bank ignored my written response which contained evidence of property insurance so that TD Bank could put duplicate insurance on my property. In XXXX ( similar to XXXX ) TD Bank put insurance with an exorbitantly high premium on my property AFTER I sent written evidence of property insurance with delivery confirmation. Without my consent, TD Bank created an escrow account, debited the escrow account for the insurance premium and changed my mortgage payment. 

I have already emailed and mailed copies of documents concerning my complaint directly to TD Bank NA. I requested that TD Bank respond and correct their error ; however, TD Bank has not taken any steps to correct their error. This is the second complain against TD Bank for the exact same problem.
Consumer complaint received 2023-10-04
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (NY)

My credit score is poor because this company listed as the factor. I never used them. I contacted them and was told that they dont have me ( my SSN ) in their system. I dont understand why it shows on my credit report that I owe them {$560.00}. Please take this out of my report. I have no delinquencies.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (MI)

I have contacted XXXX multiple times and have sent letters and a FTC report before. They are saying they don't have my documents. I have the following inquiries I did not authorize reporting on my report. Also, my Bankruptcy is dismissed and did ot move forward and should be updated as well. 

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 XXXX XXXX
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (OH)

I HAVE BEEN VICTIM OF IDENTITY THEFT. 
I SENT : XXXX POLICE REPORT XXXX FTC Report XXXX documents were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX did not remove these fraudulent accounts that i am not responsible for violating my consumer rights. 
desired resolution : delete thes fraudulents accounts like Experian and XXXX DID. 
Fraudulents accounts : -Account # 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 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 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 2023-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (PA)

I, the consumer in this action, submitted a dispute, regarding XXXXXXXX XXXX XXXXXXXX XXXX falsely furnishing an account to numerous consumer reporting agencies. This was never a loan, I asked for proof of this being a loan and money being dispersed from XXXXXXXX XXXX to myself, the consumer. Also, since this was not a loan, how are they reporting late payments? First, pursuant to 12 CFR 1431, banks, which XXXX is claiming to be, can not loan money because they are the borrowers. Second, XXXX has never given me any money, they fraudulently made it look like they let me borrow my OWN money and pay them back. This is absolutely illegal and fraud.
Consumer complaint received 2023-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A. (PA)

The property at XXXX XXXX XXXX XXXX XXXX was purchased in XXXX.I have been making my monthly payments up till XXXX due to loss of employment income and had to file for XXXX XXXX XXXX which was discharged in XX/XX/XXXX. 
After the discharge the servicer ( PNC by XXXX with XXXX XXXX Mortgage ) want me to pay additional {$20000.00} ( other fees ) which they verbally confirmed over a telephone conversation on XXXX XXXX as attorney, foreclosure fees etc during bankruptcy.I don't think I should pay their attorney after I paid my Attorney over {$10000.00} during the XXXX.I am already delinquent by {$11000.00} ( see attached XXXX statement ) due to loss of employment income because I was suspended from my full time employment in XX/XX/XXXX and in XX/XX/XXXX I was asked to resign my full time appointment or be fired.I am struggling to make my monthly payments and can not afford to pay their Attorney fees etc.
Consumer complaint received 2024-04-30
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: Affirm Holdings, Inc (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Howdy AFFIRM INC, I'm reaching out to address a downright violation concerning the unauthorized airing of info on my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, particularly Texas Penal Code Section 32.51 .

It's become crystal clear that AFFIRM INC has gone ahead and aired my info without getting my clear say-so. Federal law, as laid out in the FCRA, straight-up requires consumer consent for such airing under Section 1681b ( a ) ( 2 ).

Besides federal law, Texas state law, especially Section 392.301 of the Texas Finance Code, hammers home the importance of consumer consent for credit airing. Furthermore, Section 392.305 of the Texas Finance Code sets down clear rules for airing consumer credit info. Meanwhile, identity fraud laws, like Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal info.

I firmly state that I haven't greenlit AFFIRM INC to air any info on my credit report. This clear lack of green light is a plain violation of my rights, potentially damaging my creditworthiness and showing a clear disregard for federal and state laws.

I demand, with absolute certainty, that AFFIRM INC immediately stops any further airing of info on my credit report without getting my clear say-so, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failing to comply within the set 30-day timeframe will be seen as a willful refusal, subject to penalties under relevant laws, including identity fraud laws.

I stress that getting consent isn't a choice but a legal must under these specific sections of the FCRA, Texas state law, and identity fraud laws. This ain't up for debate ; it's a demand for following both federal and state rules, guarding consumers like myself from unauthorized and harmful credit airing.

I expect your immediate attention to this matter and anticipate that AFFIRM INC will swiftly sort out these flagrant violations, respecting my rights under federal and state laws.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I get in contact with Marcus by Goldman Sachs  as I couldn't seem to withdraw any money from the account. The reason why the fund was on hold was because my identity could not be verified. We ask for how to remedy it and they say to contact the " specialist ''. 

I have phone conversation numerous times to figure out how to withdraw money from the account. Marcus keep saying the issue is not being solved and that I have to call back in 3-5 business days. I did everything they told me to do, such as try changing the phone carrier ( which I did from XXXX XXXX to XXXX ), check with my primary bank to see all the information is updated including social security number ( Which I did with tri party conversation with Marcus, XXXX and myself ), and send in the Affidavit of Identity to their office ( which I did, but declined without any reasons provided ) I called in 18 times and the dates are the following regarding these matters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

The last conversation was on XX/XX/XXXX when they rejected the Affidavit of Identity without providing any reason for declining it. They mentioned to call back in 3-5 business days to seek next steps. Then I thought I should be reporting this case to CFPB so that other people do not get harmed by the same problem.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (NV)

ALLIED COLLECTION SERVICES XXXX XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {XXXX does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-04-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: ROBINHOOD MARKETS INC. (CA)

Subject : Formal Complaint Regarding Illegal Closure of Spending Account Dear Consumer Financial Protection Bureau ( CFPB ) Complaints Division, I am writing to file a formal complaint against robinhood regarding the illegal and unnecessary closure of my spending account without any explanation provided. This action appears to be retaliatory in nature, following a previous complaint I filed and information I provided that led to an open case with your agency. 

Despite my repeated attempts to address and rectify the issues with my account, I have received no satisfactory resolution from robinhood. Furthermore, I believe my rights as a consumer have been violated, and I am seeking justice for the fraudulent actions that have had a significant impact on my life. 

The closure of my spending account was abrupt and without warning, leaving me without access to my funds and disrupting my financial stability. The lack of explanation for this closure raises serious concerns about the legality and transparency of robinhood 's actions. 

Moreover, I suspect that this closure may be a form of retaliation for my previous complaints and the information I provided to the CFPB, which resulted in an open case. And institutions deregistering from arbitration data base which I have proof in XXXX  letter!! to avoid the claims I have presented with the hard evidence me and my private attorneys hold!! Despite providing concrete evidence of fraudulent activities by nfcu and creditor bank ], I have not received any remedy or corrective action. 

I have diligently kept records of all communications, transactions, and documentation related to my account, which serve as evidence of the fraudulent practices with all recent institutions. I am prepared to provide these documents to support my claims and seek justice for the harm caused to me as a consumer. 

As a victim of financial fraud and misconduct, I am requesting that the CFPB take every necessary action to investigate this matter thoroughly and hold Robinhood accountable for their unlawful actions. I also urge the CFPB to ensure that appropriate remedies are provided to me and that measures are taken to prevent such injustices from occurring to other consumers in the future. 

Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to address the egregious conduct of robinhood and the other fraudulent actions of the institutions and provide me with the justice and restitution I rightfully deserve. 

Sincerely, XXXX ; XXXX XXXX
Consumer complaint received 2024-04-09
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. (CA)

I have asked Equifax on XX/XX/2024 to produce the method of verification used to verify the accounts in question. By law I have the right to request FCRA 611 ( a ) ( 2 ) ( B ), you Equifax were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested. 

( XXXX XXXX  XXXX ) ( XXXX XXXX  XXXX ) ( XXXX XXXX  ) ( XXXX XXXX  )
Consumer complaint received 2023-10-27
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. (VA)

Submitting this 12th complaint once more as an assurance that these items listed below were removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX. Within 15 days time I will be updating my credit reports once more. I am hoping that these items will be removed from my credit reports : EXPERIAN 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 2024-04-30
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: Bridgecrest Acceptance Corporation (TX)

On XX/XX/2021 I bought a XXXX XXXX from the company XXXX. I then paid this vehicle off a year later. The furnishing company ( XXXX/BRIDGECREST ) sent me the title to the vehicle with their official company stamp and then reported the vehicle on my credit as Paid, closed. Then the same exact tradeline had now posted on my credit as Charged off. I have the title of the vehicle and have screenshoots of whats being reported on my credit file as well. This has now become an even BIGGER problem because I was recently offered an employment opportunity with XXXX XXXX but they retracted my offer due to this charge off being listed on my credit report. Please help me have this removed immediately because I have now disputed this twice, and lost a great job opportunity which was going to help me provide for my family. I have emails from my job offer and why my offer was retracted, as well as my title of the vehicle, and the XXXX separate reportings on my credit file.
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HUNTINGTON NATIONAL BANK, THE (TN)

My son was involved in a car accident in XX/XX/XXXX & vehicle was totaled out from insurance company. XXXX was to pay a portion, gap to pay a portion, and extended warranty to pay a portion. According to the info sent by XXXX to these companies all three were to pay the total amount to pay off the car. I found out later that there was a balance left of {$300.00} plus in which I called XXXX to ask why the balance was left, several times I called & finally told them in XX/XX/XXXX that once I got my taxes back in XXXX I would pay what is owed to keep it from going against my credit even though it was not my fault that the full amount was not paid by insurance, gap & extended warranty. XXXX is who sent info to the companies as to what full balance was to be paid in full. They sent it to my credit in XXXX anyways which made my credit score go down over XXXX points. I ended up paying them the balance in XXXX to pay it off. They have yet to report the amount has been paid in full. Can this be removed from my credit report?