davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
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: DISCOVER BANK (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Academy Mortgage Corporation (UT)

Academy Mortgage is reporting inaccurate late notations on my credit file. I disputed some lates that were on my credit but Academy Mortgage kept verifying them. I was in forbearance due to Covid, and I was reassured that I would not have any late notations on my credit file. However, there are 3 lates for 2020 and like I said I was under forbearance. I was having a very difficult time because of Covid and the pay cut I took when my employer decided to cut hours. I have been working very hard to make my payments on time but got in forbearance just to be safe. I ask that Academy Mortgage please remove the late notations.
Consumer complaint received 2023-03-07
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. (MS)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Dept of Ed/XXXX XXXX XXXXXXXX, Dept of Ed/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a consumer reporting agency can not furnish an 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 than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Mortgage Loan Officer, XXXX XXXX, NMLS ID # XXXX has misinformed me and did not reimburse the promised following fees. 

- {$500.00} processing fee, ( was charged on XX/XX/2020 ) - $ XXXX ( XXXX XXXX XXXX expedited pay off letter service fee ( 6 times x {$20.00} each by Amerisave ) - $ XXXX ( XXXX XXXX XXXX late payment fee ( I was told that the loan was closing in XXXX ) Total of {$750.00}
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

Synchrony Bank XXXX XXXX is reporting a late on my credit file for XX/XX/21 and it must be removed. I recently checked my credit and noticed this late reporting but it is erroneous. I had recently used the credit card at a facility and once my due date came around, I paid the account in full to make sure I did not have to worry about it. I did use the card after or made any other purchases. However, the last place I made a purchase made a delayed charge of {$8.00}. I was not advised that they would be using my card again and I wasn't aware of the {$8.00} they had put on. When I looked at my credit I noticed this late and checked my credit card because I was sure it was paid off. Sure enough, there was an {$8.00} balance. I called the company that made the charge and told them that they had made this charge and that I was never told, they then credited back the {$8.00}. I however, was never called by Synchrony Bank to be told that there was an outstanding amount on my card or I would have paid the {$8.00}! This late must be removed, I had paid the account in full, the charge was erroneous and I never got a call regarding any outstanding balance or that I was going to be late from Synchrony Bank. I have been a long time customer and have never ever been late and have had this account for a very long time and would hate for this to ruin the relationship. Please remove the late from my credit file.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (VA)

Using binance.us, I had a chargeback occur of XXXX dollars. Deposited the amount after realizing and they took it immediately. But instead of that being done they locked any withdraws or trading, and I'm now stuck losing money in a position and can't sell or pull money out. This has been over a month now. I have opened multiple support tickets with zero answer and have XXXX them multiple times with no answer. They are with holding my money which should be illegal.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

In XXXX, my mortgage with XXXX XXXX was bought out by Nationstar ( now Mr . Cooper. ) I had no idea this purchase had occurred, as the only notice I received was letters from Nationstar which in no way indicated that they were now servicing my mortgage. 

As a result, on XX/XX/XXXX I was charged a {$9.00} late fee, and in XX/XX/XXXX another {$20.00} fee ( see documentation below. ) I had absolutely no idea my mortgage had switched over to a new company and had to struggle to come up with multiple payments at the same time, and asked the new company to cancel the fees they had assessed and they refused. This unethical taking advantage of a customer who had no idea the mortgage had been transferred to a new servicer must not happen and this fees must be returned.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XX/XX/XXXX LUXURY MOTOR XX/XX/XXXX XXXX CREDIT/LUXURY MOTO XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX TD RETAIL CARD SERVICE XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-22
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. (CA)

Dear CFPB, Im writing in to complain about TransUnion LLC. 

Please note that the Credit Reporting Agencies are now subject to Federal Consumer Financial Laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on '' Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) TransUnion LLC is in violation of Title 15 U.S.C Section 609 ( a ) ( 1 ) ( A ) FCRPA Title 15 U.S.C. Section 1681 and FCRA section 611 as evidenced by the follow exhibits attached. ( See attachments ) Accounts in Dispute : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX # XXXX Inquiries in Dispute : XXXX XXXX US SM BUS ADMIN XXXX  TransUnion refuses to provide verifiable and validated proof as required by law and therefore must delete a charge off from XXXX XXXX XXXX  Account # XXXX. An erroneous collection account from XXXX XXXX XXXX Account # XXXX and Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have provided superior evidence that no debt exists backed by the Secretary of State of California UCC11. I have attached a copy directly from the Secretary of State of California. 

TransUnion blatantly and arrogantly disregarded my right to ensure that all accounts they post on my credit report are absolutely correct and accurate. They have never provided me any verifiable proof ( an original contract with my signature on it ) ever. 

This is seriously hurting my credit score and I have the legal right to demand Verifiable Proof or this item must be deleted! See attached proof of mailing and notarized documents that I mailed certified and also their response. Please see to it that the consumers rights are protected.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (NY)

During the week of XX/XX/2021 I received in the mail a debit card from MoneyLion bank, a subsidiary of XXXX. The card was a fully useable chipped debit card with my full name and an account number on it. When I called the only number available for the bank they took my email, name, and date of birth ( I refused to give them my social ) and then told me they would be submitting this to their fraud department. The rep on the phone said my account would be closed but that she couldn't give me any more information. I requested that she let me know if anyone else name, email, or telephone number were on the account to see if there was identity theft happening and she refused to give me any information. She also refused to let me know if there was any money in the account or any other accounts/ loans linked or associated with it. I then asked her if I could have the telephone number or email for the fraud department to follow up and she refused claiming that they did not have access to that information. She also refused to put me in contact with a supervisor. I am unsure whether MoneyLion is a real bank or a scam. On the paperwork I received it says they are FDIC. I do not know if they sent me this card as a fishing tactic or marketing scheme. I do know that receiving this card and the response of their customer service has left me feeling incredibly uneasy. I also filed a police report as well as froze my credit.
Consumer complaint received 2021-05-13
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. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLATINUM HOME MORTGAGE CORPORATION (CA)

For the 2nd year in a row, money was taken from my escrow account and paid for a hazard insurance policy for another account. Apparently my insurance carrier inadvertently sent them a bill for another property I own. Last week I received a letter from Platinum Home Mortgage stating they had paid premiums for both my prior ( there was no prior ) and new insurance companies ; and that now my escrow account could ( would ) be short ; and my payment might ( will ) increase. I called them and asked why they paid a bill which clearly showed it was for another property. They told me I was my responsibility to contact my insurance company and see why they sent them 2 bills, and that I now need to send them more money or have my payment increased.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion wont lift my security freeze. The verification question they have are fraudulent in nature. TransUnion wont send me a security pin. Ive tried numerous of times to get this issue settled. I have been waiting a month and 1/2 for my pin to be mailed with no response from the company
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (WI)

Early XX/XX/XXXX, I received an invoice from Spring Oaks Capital LLC stating they " bought '' a debt from " XXXX  XXXX '' they were trying to collect on. I had never taken out such a loan nor know who XXXX XXXX is. I wrote on the invoice to send me the proof of validation, as well as letting them know that I did not take out this loan. I mailed it back and filed the FTC ID theft report. I emailed it to the Spring Oaks Capital soon after mailing the invoice back. I tried to call Spring Oaks a few times and left a message. No call back. Last week, I started getting calls from a " XXXX firm '' to call back. I didn't know who that was, so never called because I never heard from them. I didn't hear anything back from Spring Oaks neither until this weekend. I had gotten a notification that my credit report has a collections account on it. From Spring Oak Capital. This is after I sent in the ID theft report and tried to called. They never contacted me after that letter attempt. I resubmitted the ID theft report and now a XXXX XXXX Police ID theft report and emailed to Spring Oaks from my email address. I tried to call and left a message this weekend again. I emailed their customer service link on their page. No response. I have now filed a complaint with the XXXX and now the CFPB. They are trying to collect and bully me into paying them on an account that is not mine and was taken out without my authorization. I have been dealing with this ID XXXX since XXXX and the XXXX  incident. I am overwhelmed and stressed and my son was in a car accident a week ago, so dealing with that. I can not deal with Spring Oaks XXXX right now because they want a quick buck especially after I have told them numerous times and showed them the ID theft reports.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

Hello, On XX/XX/XXXX at XXXX XXXX, i went into the Chase bank located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. I wanted to deposit XXXX  dollars in cash into my friends bank account. I supplied a deposit slip which included the account number and all information needed to make the deposit. I was instructed by the teller after he requested my license that i could not deposit the cash into my friends account. 
I have never heard of that before. I was instructed that only the owner of the account could make deposits. Is this accurate? I have deposited money into other accounts in the past and never had any issues. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX, Transunion , XXXX Re : Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Transunion XXXX XXXX, XXXX Re : Below Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Transunion Re : Account Name and Number Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX  Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act.

Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions.

Thank you, Thank you for your time, XXXX XXXX XXXX is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am so XXXX  and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I have an issue with false and inaccurate items on my credit report. 1. my name is spelled wrong like four times. 2. Bad addresses are showing on my file, I have never lived in XXXX  My current and correct address is XXXX XXXXXXXX XXXX  XXXX XXXX, OH XXXX. My DOB XXXX. The addresses here are not accurate please delete XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (MS)

I paid the balance owed in this voluntary eviction on my behalf because employees were using my identity to commit fraud I was there in XXXX Florida from XXXX I filed in civil court XXXX XXXX a response to evict and the settlement was reached I was given the remaining balance I have sent correspondence for several years every year requesting that ( ideal collection XXXX XXXX XXXX XXXX where I lived be removed from my credit ) as per the attached screen shot of the payment on the XXXX XXXX website the account has been paid it is their confirmation and why it should have been removed from my credit report I would like to attach supporting documents however the link below is working as this is an important link to provide evidence please fix additionally your staff can research the case on the XXXX  website it XXXX a voluntary eviction Please respond via return XXXX XXXX p s. I have email, returned certified mail statements with supporting documents of the apartment complex being paid I sent to XXXX XXXX and XXXX XXXX the account be removed every year for the past few years.