davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV funding XXXX LVNV funding XXXX LVNV funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

Furthermore, the LVNV funding XXXX, LVNV funding XXXX, LVNV funding XXXX accounts has been removed from the other 2 CRAs and XXXX is inaccurately and illegal reporting this. 

15 US.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I have tried to fix this many times, and the accounts continue to reappear.
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (ID)

I was doing my taxes for my first time using turbo tax. After completing my return i was prompted to make a credit karma account. As this would be my first time doing so i clicked on the create account option and put in my full name and social security number. It came up with an existing account i did not make with the email XXXX. I was concerned so when i got into the account i noticed a credit score of around XXXX, which i should not have due to never making a credit account or taking out any type of loan, etc. There was also a debt amount of about {$2300.00}.
Consumer complaint received 2022-12-19
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. (OH)

I have reached out via certified mail and phone regarding issue of unauthorized inquiries on y credit report. I sent certified mail XX/XX/22, XX/XX/22, XX/XX/22 and a followup phone call XX/XX/22 which resulting in a hour long wait and then being hung up on. 

I informed them that I have noticed a number of hard inquiries that I did not authorize nor apply my signature to nor are attached to any account I possess and having these inquiries in error on my report is preventing me from obtaining new credit. and I need removed immediately. 

No response.
Consumer complaint received 2024-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (MI)

In the process of refinancing my loan I discovered that Planet Home Lending had advanced my escrow account {$1300.00} and sent the payment to my township without a tax notice or bill. I am exempt from property tax. Planet Home Lending received all documentation and can confirm I am tax exempt. On XX/XX/XXXX, my escrow account was advanced {$1300.00} and was added to my loan balance. I was not notified. XX/XX/XXXX the {$1300.00} was sent to XXXX XXXX Michigan. In turn the XXXX XXXX sent the funds back on XX/XX/XXXX. My account to this date has not been adjusted. I was told by XXXX on XX/XX/XXXX the XXXX XXXX would be refunding me the amount. When checking with XXXX XXXX XXXX for XXXX XXXX she stated the funds were returned on XX/XX/XXXX. When Talking to XXXX, XXXX and XXXX with Planet Home Lending they admit there is an error but can not tell my why I am still being charge for the escrow advance. I am currently due to close XX/XX/XXXX on a refinance with a deferent lender, but will be responsible for the erroneous {$1300.00} advancement. Plant Home Lending was supposed to call me back this morning and has yet to do so. During this process Planet Home Lending did not communicate with me, until I started asking question. They did not have my permission to advance my escrow account or request me to do so.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid 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. (GA)

I tried to purchase tickets for a concert on XX/XX/2018 for {$280.00} from XXXX. I waited until XXXX and never received the tickets by mail or on my phone. I cancelled that purchase and asked for a refund on my credit card. I repurchased tickets again in XXXX for {$410.00} that purchase DID go through. XXXX has stated the email for first purchase was wrong, but will not refund my {$280.00} due to their policy. I feel I should not have to pay for anything I did not receive. My credit card company stated they have not received a credit ticket from XXXX so will not remove the charge from my card.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

I checked my credit and it shows an account for XXXX XXXX XXXX XXXX XXXX and amount for {$1000.00} owed that was not opened by me. I have never lived in New York and the credit company told me I should file a complaint through here in order to dispute this on my account. This again has not ever been my account and is fraud. The company Transworld systems is now trying to collect this fraudulent debt on my credit.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: Betterment LLC (KY)

I was having a XXXX IRA account in Betterment.com and when I open this account there was no fees for Closing or transfer the account to another company. Now I transfer my account to XX/XX/2024 XXXX XXXX 
during the time of transfer the Betterment.com Charge me {$75.00} I asked to refund on the basis of the term I opened the account but they denied to refund my {$75.00}. 
when I opened there was no fees it was advertised and written on website its free open and Closing or Transfer whenever the customer want to. I need your help and intervention please resolve this matter because its not Transparent and legitimate professional business by the Betterment.com. This Betterment investment company need to refund my money because they introduce this after I open the account and there was no information for me by mail or any communication by betterment.com I am hoping for a transparent and professional solution of this matter. 
Thanks,
Consumer complaint received 2022-12-13
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. (CA)

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction XXXX, XXXX, and Equifax has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX, and Equifax has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and information associated with 1. The inquiry was not authorized by me. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized by me XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
5. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
6. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
7. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report 8. The inquiry was not authorized by me XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove from my credit report. 
9. The inquiry was not authorized by me XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
10. The inquiry was not authorized by me ONEMAIN Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
11. This account is not mine XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove from my credit report. 
12. This account is not mine XXXX OF XXXX XXXX Account Number : XXXX Please remove from my credit report. 
13. This account is not mine XXXX XXXX XXXX Account Number : XXXX  Please remove from my credit report 14. Never late on this account. 
XXXX XXXX XXXX XXXX It states that Ive been late XX/XX/XXXX and XX/XX/XXXX. 
15 U.S. CODE 1666B If the creditor fail to provide documentary evidence violates the requirements of 15 U.S.Code 1637 ( B ) ( 2 ) ( A ) and the creditor can not report late payments. 
Remove items from my credit report.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IA)

In XX/XX/2014 I was told over the phone, by the representative whom assisted me, that the forbearance which was placed on my account would remove the credit reporting for the period of delinquency for the same months that it adjusted the loan. This is supported by my XXXX as it shows non-reporting for XX/XX/14 ( which is 1 month in arrears meaning that the actual suppressed month was XXXX ). If XXXX was suppressed, from a call in XXXX, then the other months are eligible to be suppressed as well. As your prior resolution indicated, you must report accurate information. As shown, your company is willing and able to suppress/not report and remain in compliance with the Fair Debt Collections Practices Act. 
Responsible Servicing dictates that accurate information is to be given to the customer so that they may make an educated choice as to what to do. I was inaccurately informed that the account adjustment would also remove delinquency. I may not have used the adjustment period if I had been given the accurate information. I am limited to the number of months that I am able to have alterations to my repayment of the loan. Due to this I may have taken those months and utilized a different timeframe for use. I request that you review the telephone conversation to ensure accuracy of the information given. If this conversation is not available for review or when discovered that inaccurate information was provided, please remove the months of delinquency. 
Upon conclusion/ final response to this notification : REMOVE THE CREDIT DISPUTE NOTATION FROM EACH CRB AGENCY.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (TX)

On XX/XX/2024 at XXXXXXXX XXXX I pulled into Bank of Texas located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I made a couple of withdrawals from two other non-client accounts using a debit card for both and then made an attempt to deposit those funds ( {$280.00} ) into my XXXX savings account using its debit card. 

I assumed this bank was a shared bank since it allowed me to pull funds from my other non-client accounts. 

However, the ATM at Bank of Texas failed and provided a receipt with XXXX amount on it and a message that an error occurred essentially eating up my money. The {$280.00} cash of all XXXX dollar bills was not deposited as expected nor returned to me. Immediately, I went inside the branch and spoke to a teller. She advised that I would have to contact my bank since I am a non-client. She also pointed out that its says to contact your financial institution on the receipt. The teller informed me that the ATM is managed by a third party and they do not have access to deposits but typically an investigation would be done and a provisional credit. 

So I contacted my bank XXXX to file a dispute. I was later advised that the dispute was denied and to file an appeal which I did and it was also denied. XXXX stated that the Bank of Texas claims there was no oversight or overage which is impossible because their ATM kept my money. XXXX keeps telling me to contact Bank of Texas and vise versa which is extremely frustrating. I have requested documentation and surveillance footage from both banks investigations and have yet to receive anything. The surveillance footage will show that I did in fact deposit the money and it was not returned. The ATM is right beside their drive up window. I have spoken to everyone I could for help including managers and supervisors at both banks to no avail.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NJ)

I had written XXXX XXXX about my credit card issues. I wrote them to discharge my credit card by sending them a billing error in the amount of {$3900.00}. Once the letter was received XXXX XXXX closed my account. I proceed to get a XXXX XXXX XXXX done and to find out that they have been selling my securities to a third party, made over XXXX XXXX dollars off my securities and would have the nerve to say I owe them money for an open-ended consumer credit card? They'd took my application, then securitized it in their Trust Account be the way that I don't even have a contract with violating the SEC. Then once securitized was sold to a third party. They have violated my consumer rights as well.
Consumer complaint received 2023-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (CA)

On XX/XX/2023 I went and financed a vehicle with XXXX XXXX XXXX XXXXhey used illegal tactics within the loan process.

NO FULL SUM OF ALL CHARGES FULL INSURANCE NOT INCLUDED WAS NOT CASH IN HAND USED A THIRD PARTY TO TAKE VEHICLE WITH OUT NOTICE 15 USC 1692f - unfair practices Someone else signed my name or gave my private information to XXXX XXXX which took my vehicle for my home 15 USC 6802 No paperwork was sent to me or was I informed my personal private information would be given to XXXXXXXX XXXX I had No contract or any connection with this company, I only did business with XXXX XXXX XXXX & West Lake Financial Also used my information for XXXX XXXX XXXX and even after payments where made still sent letter say that I didnt make payment when I had and was auto payed out of my bank account 15 USC 1692
Consumer complaint received 2024-02-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (AZ)

A person took out a title loan in my name online. The company that was used is called Speedy Cash. The title loan is for {$2600.00}. The title loan is also for a vehicle that I do not own, for several years now. This all happened on XX/XX/2024. I filled a police report and also notified speedy cash of the fraud activity. I sent in the requested documents to speedy cash for the fraudulent loan. I did not take out this title loan. I called in the morning of XX/XX/2024 to pay off my loan in full, I did that. Then about XXXX min after I received multiple change password email, log in new device email from speedy cash. Then I received a loan funded email and that's when I called them to report the fraud. They closed my account and investigation underway. It makes me think a speedy cash employee is doing this because it happened only XXXX min after I paid off my loan with them. I have the paid in full receipt from my loan. The fraudulent funds were sent to a debit card that is not mine. The fraudulent loan number is XXXX. I also have my credit frozen. Just wanted to inform the CFPB that someone took a title loan in my name using a vehicle that I do not own for several years for the amount of {$2600.00}. I appreciate your time and help. Currently waiting for a response with speedy cash after I submitted a fraud packet that they requested.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Risecredit, LLC (UT)

Debit was settled and they charged off the balance, however after several years it was still showing on credit report as closed account with a balance due, I tried to dispute the balance to have it removed however after I did the dispute they reopened the account and started to report me late on payments when the account should of been closed and at the very least as a charged off balance like it had shown for several yrs. I feel this was a deliberate attempt to retaliate against me for putting in a dispute. Since then my credit as dropping several points.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (SC)

The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions 18 U.S.C. 2314 Tax Stamps Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On or about XX/XX/XXXX, I entered into a Short Sale with Nationstar. The home was listed at XXXX however, my realtor secured a all cash buyer on XX/XX/XXXX for XXXX. 
Nationstar drugged their feet in a effort to punish me because of my earlier legal actions against them which resulted in a reversal of their foreclosure. Nevertheless, 5 months later Nationstar began requesting updated information and the buyer went a extended vacation overseas, and was unable to be reached to provide updated bank statements to Nationstar. This situation was explained to Nationstar who was in possession of XXXX XXXX dollars verified funds. My realtor requested a postponement for the upcoming foreclosure sale, which Nationstar granted, however, they still proceeded with the foreclosure sale and asked that we disregard the previous message " sorry ''. I also recieved a Notice of a Foreclosure Sale which was not for my property nor was the Notice in my name. No one bidded at the foreclosure sale and Nationstar took it back for the original price of $ XXXX. I feel this was a effort by the foreclosure company and Nationstar to further confuse me. Nationstar has not re-listed the property for sale, however, they have changed the locks so I can not gain acessess to the home where I have at least XXXX worth of my belongings there. 
Nationstar nor their agent ( who does not have a listing agreement ) have possession of the property. California law regarding possession is quite clear.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.