davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
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. (GA)

XXXX, XXXX  and Trans Union have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.
Consumer complaint received 2023-06-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 USC 1681. 

XXXX XXXX XXXXXXXX, has violated my rights. 

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. 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.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

False Credit Reporting -- -- Subject-Conflict of interest-banking Regulations. Short Sale of Home with Agreement from XXXX XXXX. 
I purchase a home in XXXX XXXX development in XX/XX/XXXX with the intent of selling my home in XXXX, SC. In XX/XX/XXXX, I had to stop the bleeding and made an agreement with the VP of XXXX XXXX to sell the house, pay off first mortgage, pay off XXXX of home equity loan to XXXX and sign a personal note for the remaining balance of {$100000.00}. Because of my income/debt ratio ( retire-income only IRA ), I could not get a jumbo loan with any banks in XX/XX/XXXX. The developer and seller of the home was a Board Member of XXXX XXXX and used his influence to obtain am appraisal and loan for me with XXXX. The mortgage was for {$750000.00}. The rate was 4.75 % and payments drafted from my Checking Account at the same XXXX XXXX. In XX/XX/XXXX, I was able to get a XXXX mortgage for XXXX and XXXX carried the home equity loan for {$290000.00} again at 4.75 % -- interest only. XXXX XXXX ( XXXX VP ) agreed to a short sale if I signed a personal note for the balance. I agreed to do this since he promised there would be no negative reporting to the credit unions. This is my problem. Each month, they report false information on my account such as 1. ) turned over to collections XXXX, 2. ) XXXX or late or missing payments, and 3. ) showing both the original loan and personal note for the balance is in default ; even though they auto drafting from my checking account at their bank each month since XX/XX/XXXX. Their reporting has prevented me from obtaining any refinancing on my home or financing for a new home. This has caused me substantial financial harm. The CEO verbally agreed to correct the reporting ; but did not do it or explain why ; and now he refuses to talk to me. I assume it may be because of a potential conflict of interest by a the Board member- a local developer that sold me the house and obtained the loan. Without a request from me, XXXX decided to write off {$10000.00} so the personal note would be just below {$100000.00}. Closing cost increased the amount to {$100000.00}. He did this instead of lowering the interest rate on the personal note that I had requested. I can not understand any other reason for their actions if not a conflict of interest-banking regulations, etc. I did not try to just walk away from the property in another state when that was the common thing people were doing then. I am trying to prevent filing for Chapter XXXX which is what their action may cause ; and they would be the last in line to pay -- maybe with all the interest earned maybe nothing. I do n't understand why they have taken this position. This is my reason for filing a complaint.
Consumer complaint received 2022-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Reference Complaint Number XXXX. On or about XX/XX/2022, obviously materially altered check # XXXX ( XXXX XXXX Bank of America for payment of Home Equity Line of Credit account number in memo line scrawled over to read XXXX XXXX XXXX ) in the amount of {$4200.00} was cashed with an improper endorsement and deposited into XXXX XXXX XXXX Bank of America account which leads one to allege a Bank of America employee was a co-conspirator in the theft of funds. XXXX XXXX Bank paid the altered check and sent the {$4200.00} to Bank of America, so XXXX was complicit in this fraud and theft. As soon as my husband and I became aware of the fraudulent theft of the {$4200.00} at approximately XXXX XXXX. on XX/XX/2022, we began calling both XXXX Customer Service, and Bank of America, Customer Service and Mortgage Departments, and filed a police report with the XXXX Police Department. On the morning of XX/XX/2022 my husband spoke to Bank of America and was able to ascertain that XXXX XXXX XXXX had an account at Bank of America he requested that this account be frozen, and our {$4200.00} be restored to us immediately while I went to a XXXX branch to file a Fraud Packet as instructed. Subsequently, we have been made to jump through hoops, to fill out numerous copies of basically the same forms, delver the forms and evidence, etc., and still our stolen money has not been restored. Following this we have been forced to open a new checking account with XXXX, Bank of America froze our line of credit, so we did not have access to the funds for several weeks, and changed our account number : it appears we took a new line of credit and I am not fully confident they removed the late charges. I believe that both Banks are making a concentrated effort to ruin our credit rating while not restoring the {$4200.00} they are complicit in stealing from us.
Consumer complaint received 2021-03-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Unfortunately, it appears the only way to get a timely response from Freedom Mortgage is through an official complaint to a government agency, since they do not regularly response to messages sent on their on message center. Even with an official complaint filed, Freedom Mortgage is still extremely slow in fully resolving issues. Yes, they finally removed the unwanted escrow/impound account and refunded half of the prepayment amount, for a refinance plagued with issues. However, they still have not refunded the {$2000.00} ( Escrow from previous loan ), the {$2000.00} extra mortgage payment that was processed on the previous mortgage ( allegedly they processed this refund on XX/XX/XXXX but we still have not received the funds ), and for some reason they assessed two fees with no explanation to the closed mortgage, {$170.00} on XX/XX/XXXX and {$190.00} on XX/XX/XXXX. 

Again, I am having to file a complaint in order to get a refund of the {$4000.00} and requesting an explanation of the {$370.00} in fees.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello, I had an adjustable rate mortgage with XXXX XXXX XXXX which adjusted in XXXX to the tune of {$4300.00} but was adjusted to {$3700.00} after loan modification. I got a second job but even with a second job, I still could not meet these terms because in addition to these payments, that I'm single parent and still had to pay for child care and other living expenses. I contacted a realtor and after a long soul searching process, I decided to put up the house for short sale in XX/XX/XXXX. 
In the midst of the short sale process my loan was sold to Select Portfolio Servicing in late XXXX and I have been living a nightmare ever since. According to them which I find hard to believe, XXXX XXXX XXXX did not give them any short sale paperwork when the loan was sold so I had to start from the beginning again and fill out all the required forms. 
I have lost 3 buyers in the process because of their shoddy business tactics. 
I have had the same realtor on record and I have given her 3rd party approval to handle all transactions but on myriad occasions they have returned and said she does not have approval to speak them. I have made 3-way calls on multiple occasions so they could speak to her. 
I have sent 3 Request For Short Sale forms ( I have proof of receipt ) to them even uploaded it to their website but they keep saying to resend or they don't have it or lost it. 
4. Every time I think I'm close to approval, they throw another wrench in the plans and ask for another BPO, which is different each time, even though I have previously submitted it 3 times and ask me to fill out another RFS. The items requested have nothing to do with the settlement statement. First sale was for {$520.00}, went up to {$550.00}, now its {$590.00} The house needs a lot of repairs ( roof, flooring, termite ) and the current buyer is a newly single divorced gentleman who works in construction and will be able to offset the cost of these repairs. the BPO does not factor I the cost of the repairs of where a reputable, ethical person conducting it would tell you. So far he has been very patient to hang in there with the process but I'm afraid he maybe the 4th casualty. 
My life is at a standstill, I can not move forward and begin the hard work of reestablishing my credit because XXXX is a nightmare and losing 3 buyers has been very tough to swallow with XXXX giving me foreclosure dates and removing foreclosure date only to throw more curveballs because of their shoddy business tactics. 
No one buys a home thinking they will lose their home, I certainly never tough this would happen to me. I have lived in this home for 12 years and it's been tough to let of the dream of home ownership and my grieving process exacerbated and been complicated by XXXX. 
I have a copy of all the documents with my realtor that I have submitted to XXXX if you need them. 

Sincerely. 
Distressed soon to be former homeowner.
Consumer complaint received 2024-03-02
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. (AZ)

The company has completely ignored my certified letter demands for validation of the alleged debt they claim belongs to me. This company continues to report this alleged debt to the major credit reporting agencies, damaging my credit report. I am now forced to file a civil lawsuit against them in my local federal court for damages. This company has repeatedly violated my consumer rights and ignored federal laws, costing me loss opportunities, time and money.
Consumer complaint received 2023-05-21
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. (GA)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 
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 166b A Creditor May not treat a payment in account under an open-end consumer credit plan as late for any reason. 
Since XX/XX/2016 this account has been paid off, and until now, late payments reported on this account restricted me to get approval for credit, and this is illegal to maintain this account on my credit report.
Consumer complaint received 2023-07-03
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. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2023-06-14
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 ATTACHED LETTERS.
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (WA)

In early XX/XX/XXXX I returned a pair of new XXXX phone. XXXX claimed I did not turn in the phones timely when I in fact did. They later agreed and dropped the claim. However, later in XX/XX/XXXX I learned they sold the alleged unsresolved debt to a debt collector. When I challenged the collector for documentation and they learned it was insufficient, they dropped the claim. In XX/XX/XXXX another collector reached out to me and I filed a complaint with the FCC ( attached ). That collector then dropped the claim. 

Now in XX/XX/XXXX, another collector comes to collect the alleged debt because XXXX has not pulled back their claim from the debt database. The collection is showing on 2 of my credit bureaus and when I contested it, the debt collector XXXX XXXX immediately confirmed it without verifying the underlying debt exists. I am suffering credit consequences for the unlawful reporting of this alleged debt to the credit bureaus. Furthermore, XXXX XXXX posted the alleged debt as occurring in XX/XX/XXXX in their reporting which is also inaccurate. 

Before going serving a lawsuit on XXXX and XXXX XXXX, I am hoping to resolve the issue via the CFPB as soon as possible.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MA)

ON XX/XX/18 I ANSWERED TO A XXXX AD THAT WAS ADVERTISING FOR WORK. A MALE NAME XXXX ANSWERED ME AND STATED THE FOLLOWING TO ME, I WORK WITH XXXX XXXX XXXX. WITHIN THE LAST YEAR A PRIVATE MONEY ORDER COMPANY HAS BEEN TRYING TO TEST AND IMPROVE THEIR MONEY ORDERS. THE OVERALL GOAL IS FOR THE MONEY ORDERS TO CLEAR WITHIN HOURS INSTEAD OF DAYS. EVERY TIME I HELP TO TEST THEIR MONEY ORDERS, XXXX GET PAID. XXXX FURTHER STATED THAT ALL I HAD TO DO IS WITHDRAW WHAT I DEPOSIT AND ASKED WHAT BANK I WAS WITH AND WOULD I BE WILLING TO OPEN AN ACCOUNT FOR IT WITH TD BANK AND THEY WOULD PAY THE OPENING FEES AND AND THAT I CAN EARN {$1000.00} PER WEEK. I STATED THAT I WILL GAVE XXXX THE BANK INFORMATION AND MY HOME ADDRESS AND FOR IT TO BE DEPOSITED. XXXX TOLD ME TO MAKE SURE I GOT A MOBILE BANKING ACCOUNT TOO AND THEN ASKED FOR THE ACCOUNT NUMBER AND ALL MY PERSONAL INFORMATION. I STATED THAT I SAW THAT A CHECK WAS DEPOSITED AS PROMISED INTO MY ACCOUNT, FOR {$3400.00}, SO I BELIEVED XXXX.. SHORTLY AFTER THE DEPOSITED, {$3200.00} WAS WITHDRAWN FROM MY ACCOUNT. I TRIED TO GET IN TOUCH WITH XXXX AND EXPLAINED WHATS WAS GOING ON AND XXXX DIDN'T RESPONSE BACK TO ME. I SENT HIM SEVERAL TEXT MESSAGES STATED THAT I DID NOT WANT TO BE INVOLVED IN BAD SITUATION LIKE THIS FOR MY FINANCIAL FUTURE. I ATTEMPTED TO GET IN TOUCH WITH XXXX SEVERAL TIME WITH NEGATIVE RESULTS.. TD BANK WAS ADVISTED TO MAKE A POLICE REPORT. I WAS ADVISED THAT A REPORT WAS DONE AND IS ON FILE WITH THE ( XXXX POLICE DEPARTMENT ) IN XXXX MA,XXXX ( XXXX ) XXXX.
Consumer complaint received 2018-10-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

The selected problem is with another lender as a result of the problem created by 53rd bank. 
Here is what happened : My business loan with Fifth Third Bank here in XXXX Florida seems to have fraudulently-dualized liens attached to my property creating a double lien exposures that frightened a prospective business partner who refused to proceed with a deal causing me great pain in retrieving and recycling my trapped equity to lighten my monthly recurrent financial burden. The property involved is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Florida XXXX housing my company, XXXX XXXX. As at the time of the deal, the company 's rep Mr. XXXX XXXX sold to me the idea of refinancing an existing mortgage in the property in the amount of {$120000.00} and because the equity was close to another $ XXXX-XXXX, my standing improvement project at XXXX XXXX XXXX XXXX gets approved to the tune of {$230000.00} so that l could get about {$30000.00} l needed from the improved loan amount to finish up my improvement. From the above descriptions, my combined loan on closing was {$360000.00}. Now in recording the liens, Fifth Third Bank asserted a questionable right and recorded three liens of {$120000.00} and {$230000.00} on XXXX XXXX XXXX XXXX XXXX XXXX. property and {$230000.00} on XXXX-XXXX XXXX  XXXX XXXX address. This action they claim as " cross-collateralization '' now indicates to a low information consumer that l owe the bank {$600000.00} at my closing and not {$360000.00}. This l believe is outright deceit, dishonest and fraud that is hurtful to my financial interest. 

Since the XXXX-XXXX XXXX XXXX XXXX property is now completed, a cross-collateralization of its loan {$230000.00} with another property in exact amount is " fat '' lie. This amount to an attempt to easily steal my property should l have a financial downturn and difficulty and l want this action to be investigated if the bureau has the power or be referred to the appropriate authority for investigation. Yes l signed the document because their rep played a dual, conflicting role for the bank and my company. In doing that there is a conflict of interest since there was no third party title company used to steer the deal away from conflict of interest which clearly took place here especially now the bank is using its legal muscles to pressure me to refinance my deal against my time-table even when l still have time left on the mortgage and promissory note. After discussing with a prospective lender, his argument is that since l have two liens on one property, his lien will be third in line and he refused to proceed with the deal. This is creating financial difficulties for me because l have enough equity in the property to help me liquidate some of recurrent and unnecessary liabilities and still engage in a construction loan agreement with the said lender. 53rd Bank needs and should correct this fraud and if they owe me money, l need that be paid back to me too.
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 — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (MS)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... COMENITY BANK/XXXX XXXX ... XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.