davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-05-16
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 — Investigation took more than 30 days
Company: The CBE Group, Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (IN)

I have a decently large amount of cryptocurrency that Binance.US will not let me sell, withdraw, or trade. They claim its because a returned ACH but I have covered that owed balance plus more. They ignored everything I said about paying that balance in their response email and brushed me to the side. I haven't been able to access MY money on binance because of this since XX/XX/XXXX. My support ticket for their site is XXXX
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the fair credit reporting act XXXX  account number XXXX Has violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I 'm complaining because Equifax have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit reporting act XXXX  account number XXXX Has violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-02
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. (AL)

I disputed the Bankruptcy the bureau stated it was validated by the courts i reached out to the court court sent a letter stating they do not report to the credit bureaus I sent a copy of the letter to eah bureau and they are refusing to remove the information from the report they were untruhful and saying the courts validated the information when the corts saids clearly they do not
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/22 Email stating B of A credit card application received. 
Received multiple alerts from credit reporting agencies, and other companies I do business with. 
XX/XX/22 Called B of A XX/XX/22 Received call from Bank of America 's online fraud prevention and detection department. 
XX/XX/22 Returned B of A call to confirm fraudulent activity. I was informed that my birthdate and social security number was used.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

Hello- I was a Simple Banking customer who was to be transitioned to BBVA USA last Saturday, XX/XX/2021. 

I followed the directions correctly and was able to create and -- briefly -- access my checking online and via their mobile banking app. Then, I received a cryptic email ( attached ) two days ago stating that their customer service has disabled online access to my account without offering any further information -- - except to download their app ( which I can no longer log into ).

I have not been able to get a live human on the phone for assistance nor have they responded to their suggested methods of direct-messaging them via XXXX. 

It has been nine days since I have had access to my funds. Additionally, I have funds already being routed to this account that I now will not be able to access. 

Please help as BBVA USA is not providing any HELPFUL answers directly, via social media or common sense communication to their customers. They have in essence stolen my money if they will not allow me to access it. 

Thank you in advance for any assistance you can provide. It is criminal for such a large institution to do this while people are trying to recover financially.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I recently filed a complaint with the CFPB informing them that the credit reporting agencies are reporting inaccurate information. Within that complaint I mentioned that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were reporting a couple of late payments for the months that I paid on time. I should not have any late payments with either company. I requested for the companies to be contacted and made aware of these errors so that they can correct and update the payment history. Somehow, in the midst of doing so, these accounts were deleted form my credit reports. I specifically typed in my complaint " please do not delete these accounts ''. By these accounts being deleted, my credit score dropped, and the length of my credit history has shortened. I have be unable to obtain new credit. Reading is fundamental, and due to the someone's mistake, I would like for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX begin furnishing information onto my credit report again, as long as they fix the errors. Here are the corrections that need to be made. XXXX XXXX XXXX XXXX. I have written this creditor and have not received a response. XXXX of XXXX *Shows 30 days late, but I paid on time. XXXX of XXXX * Shows 30 days late, but I paid on time. This creditor is also reporting two months of unknown payment history for months that I paid on time ; XXXX of XXXX *Shows unknown, but I paid on time. XXXX of XXXX *Shows unknown, but I paid on time. Please have the creditor correct the payment history of as soon as possible. Lastly, XXXX XXXX XXXX XXXX reporting a late payment for XX/XX/XXXX. I made this payment! The payment status for this account reflects " Paid, was past due 30 days '', please change this to " Paid Satisfactorily '' Thank you so much for your help with this, and please make sure I receive a copy of my consumer report upon completion.
Consumer complaint received 2021-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

In XXXX of XXXX I requested and was approved for the Forbearance plan due to economic impact due to the Pandemic. 
In XXXX of XXXX I spoke to an agent to begin making payments, as I rectified my finacial position. In the conversation with agent I requested my balance be deferred, that request was approved in writing. Since XX/XX/XXXX I have had many many conversations with agents due to my account not being updated, and I have not been able to make mortgage payments. I have been referred to their escalation department on 2 different occasions, with no resolve. The last agent explained I could not have a deferred plan due to having a FHA loan. I asked why I received in writing from their company I was approved for a deferral. She had no answer. She did say my situation would be resolved and my accout would be updated, and I would be able to begin making payments. As of today, XX/XX/XXXX I still have no answser to my questions, nor is my account updated reflecting any attempts I have made to resolve this issue.
Consumer complaint received 2021-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-05-16
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 — Investigation took more than 30 days
Company: Stern Recovery Services, Inc. (NC)

I have received a copy of my credit report and it shows company STERNRECSVCS ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (LA)

SOMEONE IS PUTTING ACCOUNTS IN MY NAME AND I DO NOT KNOW IT IS. I HAD MY BOOKBAG STOLEN AT THE LOCAL AT THE LOCAL MALL A FEW YEARS BACK PLEASE.
Consumer complaint received 2021-05-17
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. (LA)

SOMEONE IS PUTTING ACCOUNTS IN MY NAME AND I DO NOT KNOW IT IS. I HAD MY BOOKBAG STOLEN AT THE LOCAL AT THE LOCAL MALL A FEW YEARS BACK PLEASE.
Consumer complaint received 2021-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (DE)

The collection agency TSI is attempting to collect on a debt that was paid. This account belongs to a hospital account I paid of ( see attached ). TSI has removed the collection notice from my XXXX and XXXX  credit file, but not from XXXX Every time I call and try to speak to someone, they hang up the phone. Also, I verified they never sent me notice of a debt collected becase they had an incorrect address ( an old Address ). The hospital was also sending bills to an old address. I am asking the report on my XXXX file be removed just like it was removed from my credit file with XXXX and XXXX
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

I XXXX XXXX XXXX am a consumer of the United States and i never gave XXXX nor XXXX XXXX ( partial account # XXXX ) and SYNCB/XXXX  ( partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and XXXX are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and SYNCB/XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-09
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. (NY)

The credit Bureaus are destroying my credit history unfairly and unjustified. 
Supposedly by a remark code, which was added to My XXXX XXXX Credit Card. 
I am being Penalized every Single Months for the Same Reason, Although the bank has Confirmed the Absence of Such Remark Code. 
They also Penalized Me With Amounts of Discounted Points, which I Never Receive, After having Resolved These Disputes With Credit Bureaus. 
The Dispute are Completed and resolved every Single Months, But They keep adding the Remark Code, Every Single Months. 
I Need Resolve the Issues, They are Destroying My Credit.
Consumer complaint received 2021-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I started my CARES COVID Forbearance XX/XX/XXXX. XX/XX/XXXX I reached out to Freedom Mortgage to advise I was ready to move forward with my COVID Streamline FHA Solution based on the CARES Act and was advised I was eligible for a COVID Partial Claim with a loan modification to reach an affordable payment due to my income being impacted by COVID. On XX/XX/XXXX I reached out to Freedom mortgage for an update and was advised I was approved on XX/XX/XXXX for an FHA standalone modification which didn't include a partial claim. I advised the proposed payment of {$1100.00} from the offer dated XX/XX/XXXX was not affordable and was not given a valid reason as to why I was not approved for the Combination partial claim with a loan modification, but agent id XXXX would send an internal email to escalate the matter and agreed that I was eligible for a Combination partial claim/mod option. I was advised the offer letter sent were not the final terms and to sign and send it back anyway and I was assured I would be approved for the Combination partial claim /mod. I have been waiting for the final Modification/Partial Claim documents since XX/XX/XXXX and have yet to receive them. The Combination partial claim with a loan modification would reach a more affordable payment which is the solution I requested since XX/XX/XXXX and was told I was eligible for which is accurate based on the CARES Act and they type of loan.
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Revolut Technologies Inc. (MI)

I REQUESTED TO WITHDRAWAL MY REMAINING FUND BY ELECTRONIC FUNDS TRANSFER TO ACCOUNT XXXX ROUTING NUMBER XXXX. THE BANK DID NOT SEND THE TRANSFER PER MY INSTRUCTIONS. THEY CLAIM TO HAVE SENT IT TO ACCOUNT XXXX BUT I CONTACTED MY BANK. THEY DID NOT RECEIVE ANY DEPOSITS IN THAT AMOUNT TO THAT ACCOUNT. THIS IS NOT THE FIRST TIME I HAVE HAD PROBLEMS WITH THIS BANK. THEY APPEAR TO BE STEALING MY MONEY AND TRYING TO CLAIM THEY SENT MY MONEY WHEN THEY DIDN'T. THIS BANK SHOULD BE INVESTIGATED FOR FRAUD.
Consumer complaint received 2023-08-09
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2021-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LEXISNEXIS (PA)

XXXX : You violated the United States XXXX Law Hello, I am deeply distraught to find out that you have shared my personal information about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX ) with the credit Bureaus XXXX XXXX XXXX XXXX XXXX If the credit Bureaus did not obtain this information from you, then I request that you send me a letter stating that you did not share my information with the credit bureaus, and that they did not find out about my bankruptcy ( Chapter XXXX Bankruptcy XXXX XXXX : XXXX XXXX from your company. If you shared my information, that is a violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. Also Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. Criminally you are in violation of 18 U.S. Code 1028A - Aggravated identity theft, because you repeatedly share my information with new creditors. This punishment can carry up to XXXX years in XXXX. you are also guilty of FDCPA XXXX furnishing deceptive forms, because the forms you sent to the credit Bureaus are misleading, and I feel misled by your actions. I attached exhibit A as proof that this bankruptcy is appearing on my credit report because of the information your company has illegally supplied.
Consumer complaint received 2021-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I have owned the home for about a year now. When I bought the house there were no exemptions on the taxes. My mortgage payment is usually ~ {$1400.00} a month. In XXXX I was approved for my tax exemptions, XXXX veteran and homestead exemptions. I expected my mortgage to go down after sending the approval letter to AmeriHome Mortgage Co. ( My mortgage company ). The first letter I send just showed that I was approved for the exemptions and to my surprise, the mortgage company didn't know how to apply them to my account, so they closed out the request and never notified me of the resolution. However, I was never told they needed a breakdown of the estimated taxes for 2021. Long story short I finally figured that out. So I contacted the XXXX County tax assessment office and got an official breakdown of my exemptions for 2021. The award letter and the tax estimate breakdown documents are attached. 

I was told that the escrow analysis would take about a week. Two weeks went by and still nothing. I was concerned because my mortgage payment was coming due on XX/XX/XXXX. I was then told that my mortgage payment wouldn't be considered late and that my credit wouldn't take a hit until the XX/XX/XXXX. So I called nearly everyday and sat on the phone for countless hours. I was told my analysis would be complete on the XXXX. I was also supposed to be contacted by a manager. None of these ever happened. My mortgage is now ~ {$1700.00} a month. I was also told that they can't do an escrow analysis based off of tax estimates?? That makes no sense, as escrow is an estimation until the taxes come out for the year in XXXX ... 

Basically AmeriHome is very incompetent of servicing my mortgage. I have tried to explain the urgency of my situation and it falls on deaf ears.. ( see attached. ) Also I have been hung up on several times when asking for a manager. I'm told I'm being transferred and then click, they hang up.. 

As of today ( XX/XX/XXXX ) I have a payment scheduled for {$1700.00}. Now I am concerned my credit will show a late mortgage payment, destroying my perfect payment streak on all my bills. I don't believe this is my fault and I would like this not to show on my credit that I have worked so hard for. 

I simply want an escrow analysis. I will eventually refinance when I can and get out from underneath this company. Also, I would like to add I am never contacted about anything I request. It's like I'm being ignored.. 

In addition, I am obviously not the only one having these issues.

P.s. They respond to me with wrong Loan Number as well ... .. Please let me know if anything else id needed to help paint the picture of my complaint. They were also at one point saying I had an escrow shortage .... See attached. 

Thank you. 

See their reviews here : https : XXXX ( Please see attached for all documentation and evidence. )