davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AL)

I explained to Midland Credit Management, on a recorded line, that I was part of the Class Action Lawsuit against XXXX XXXX ( XXXX vs XXXX XXXX Class Action Lawsuit ) where as XXXX XXXXXXXX was to have all debts removed from all three credit bureaus, XXXX, XXXX, and XXXX. They were not to sell our information to third parties anymore. This debt that Midland have is not mine and the date open they have is incorrect ( XX/XX/2020 ) and the amount is fraudulent, this is a fraudulent account, and I will hire an attorney and sue them and XXXX XXXX if they don't remove this from all three credit bureaus agencies.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

We had a vehicle lease through Toyota motor credit Corp. and we were in an accident which resulted in the total loss. We never received a bill for the {$500.00} deductible and Toyota just sent it to collections. We contacted them several times and tried to resolve this with no luck. The amount was paid in full as soon as I got a letter from collections but it shouldve never got that far. Credit has been down for 2 years now because of their actions or lack there of.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I had a lease from XXXX starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to XXXX and they verify that my account is payed off and close. But the credit report company got different info.
Consumer complaint received 2022-11-01
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)

TransUnion is refusing to investigate my identity theft claim citing that that identity theft is not " valid ''. I submitted my Identity Theft Report from the Federal Trade Commission to TransUnion and TransUnion is stating that report is not valid. TransUnion is violating my rights as a consumer and is willfully enabling Identity Fraud. I am once again attaching my ID Theft Report from the FTC and my letter. TransUnion required by law to investigate my claim and block and delete the items listed within 4 days and it has failed to do so. TransUnion is guilty of enabling Identity Fraud.
Consumer complaint received 2022-11-01
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. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-05-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Crossroads Systems Inc. (CA)

I applied for a XXXX loan back on XX/XX/2021 to help keep my business going. I went through XXXX XXXX the process was simple and moving in a timely manner. I was quoted that after passing all verification and being XXXX approved, which I was and I have a loan number. I would receive funds for my business in 7-10 from the start of application. I docu signed a promise to pay note on the XXXX of XXXX. Since then I have not received any funding. The lender doesnt have a contact neither is XXXX XXXX replying to any tickets/ email that I have submitted regarding this loan. No customer service no real answers. They have all my information bank statements access to my account my ID front and back plus my passport picture. Im not sure if I have been scammed or what but its now XX/XX/2021 still zero communication.
Consumer complaint received 2021-05-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (ME)

Hello, Im not sure if you are aware about the unfair practices going on with banks and mortgage services, where their lenders are in forbearance, due to the COVID-19 pandemic. I would like to shed some light on this. 

I was on the phone with my current mortgage lender ( Flagstar ) for over an hour. Flagstar took over the original mortgage loan I had with ( XXXX ), in XXXX. Flagstars loss mitigation task force, is offering me a loan modification agreement, that would add the missed months of payments ( approx. {$28000.00} ) to my current principle. This would make my principle more than it was when the original loan was taken out to purchase my home.

Flagstar is doing a very good, creative, and in my opinion, deceiving job of making this option sound good. They are doing this to make people sign up and agree to the modification terms, which do have a lower interest rate and does lower the monthly payment, but adds a significant amount of money to the principle. Flagstar is also saying that this is the only option that the VA approved. This is a flat out lie. The VA is an insurance provider, not a bank. They dont have a say in how the lenders lend, the VA just guarantees the loan. The bank could extend the months missed to the original loan and make everything right, but the banks are looking to make an unfair amount money and they are trying to benefit from a world pandemic. 

My original loan servicer ( XXXX  ) offered me a deferment option while I missed payments from XXXX to XX/XX/2020. XXXX  informed me that I could add the missed months to the end of my mortgage agreement, but since FLAGSTAR took over my loan in XXXX, they will not uphold the same agreement. FLAGSTAR is allowing all other loans ( like FHA loans ) to add the months to the end of their mortgage, but FLAGSTAR says they can't do it on VA loans, because the VA doesn't allow it. This appears to be very coincidental timing on FLAGSTAR and XXXX XXXX  part and appears to be investment fraud, given the perimeters and financial gains FLAGSTAR will obtain due to these unfair loan modifications. 

I am very concerned that my fellow veterans are going to come to the realization that they were just mistreated / misled and agreed to something that makes them worse off. In my experience, with my fellow Vets, we dont take it so well when we feel like someone, some organization, or XXXX forbid our own government wrongs us. Veterans do the right thing for the right reasons, even when no one is watching. 

Please assist me and my fellow veterans in this matter. 

Respectfully sent, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, In XX/XX/XXXX, I called Bank of America because I noticed a fraudulent transaction on my account of {$87.00}. I called my bank and they were able to see this merchant " XXXX XXXX '' in XXXX has made 3 other transactions since XX/XX/XXXX. I was unable to catch on to the previous transactions because they were small amounts that I did not catch on to. Bank of America refunded me a total of {$330.00} for these charges. I did not authorize anyone in XXXX for these transactions and I was not in XXXX, nor have I been out of the country. The fraudulent transactions were for the amount of : Claim # XXXX XX/XX/XXXX : {$66.00} XX/XX/XXXX : {$77.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$66.00} In XXXX, I got a message from Bank of America stating that these transactions will be taken out of my account because there was a delay in reporting the fraudulent transactions. Again, I called them in XX/XX/XXXX when I saw my bank account with a charge of {$66.00}, that is when the representative notified me about the previous amounts that the merchant used my card for. My bank said in order for me to get my money back, I needed to fax in a written statement stating I did not make these charges. I faxed over my written statement and it was in the process of review. 

On XX/XX/XXXX, I got a message from my bank stating my claim was denied. I called the claims department and the supervisor said there is nothing they can do and they would deduct the funds on XX/XX/XXXX out of my checking account. 

Bank of America is denying my claim of {$330.00}. I was not in XXXX and did not authorize those charges. Please help me get this resolved as I work hard for my money and these were absolutely fraudulent.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (NC)

In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-05-11
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. (MI)

Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for litigation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,
Consumer complaint received 2021-05-11
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. (LA)

On XX/XX/2021 I received investigation results from TransUnion that I totally disagree with, in the letters it described that the accounts I challenged and want remove from my credit report came back as verified and they will not delete from my report. However I was not given any physical proof or validation of the accounts belonging to me, In the investigation results I did not receive original applications or signed contracts bearing my signature showing the accounts are mine. Bureaus are in direct violation of the laws in The Federal Credit Reporting Act, you are required to remove unverifiable accounts that you can not provide physical proof of accounts belonging to some one. I take this matter seriously and I come to find out that the bureaus stated out in their investigation results that a data furnisher verified the information as correct who is this data furnisher verifying information on my credit report? this is against my consumer rights laws, as they are selling my consumer file information to companies without my consent, I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-11-01
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. (IL)

n accordance with the Fair Credit Reporting act Convergent Account # 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 a account without my written instructions
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

Summary : Cash back from refinance sent in uncashable check form. No response from Amerisave. 

Events : Notary sent by Amerisave supervised signing of refinance with cash back on XX/XX/XXXX. Cash back, in form of check, was supposed to arrive by overnight courier after closing. The check was dated on XX/XX/XXXX and arrived three days later. An incorrect check made out to me and my ex-wife for {$100000.00} arrived by XXXX on XX/XX/XXXX. I owned the house long before that marriage, my ex-wife was never on the deed to this house, was never awarded any portion of it in the divorce decree supplied to Amerisave ( dated XX/XX/XXXX ), and all of this information was clearly and repeatedly communicated in emailed communication with XXXX XXXX ( loan officer ) and XXXX XXXX ( processor ). I immediately contacted both XXXX and XXXX when incorrect check arrived on XX/XX/XXXX asking for payment by overnight courier as written agreement states. It has been eight days and three requests and I do not have my money or any information from Amerisave. I am incurring real financial damage in the form of lost investment income due to this neglect of their agreement. Amerisave is profiting from this non-payment of agreed funds.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Specialized Loan Servicing Holdings LLC (NY)

In mid-2014, XXXX sold off its servicing rights or mortgage portfolio to Specialized Loan Services (  SLS ). Since inception, ACH was set up with XXXX to have monthly mortgage payments withdrawn from a designated bank account. When SLS took over from XXXX, SLS failed to properly transition my two mortgage accounts and failed to inform me of any issues with late payment. SLS reported delinquency in payments to the credit agencies. The designated bank account was always fully funded. I have attempted to have SLS correct this error but was given no attention. I have since paid off the mortgages.
Consumer complaint received 2017-09-08
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. (TX)

As according to the press releases on XXXX/XXXX/2017 Equifax has been breached and released personal information of millions, of which i am one. Equifax has confirmed my information including up to " names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers '' has been obtained by others. My financial security, credit health, and personal identity are now at risk though no fault of my own. Despite previous similar breaches with Equifax, such as those with XXXX, substantial security measures were not implemented to protect consumers, whose information Equifax acquired without consent of the consumers. Furthermore, Equifax did not immediately inform the public about the security breach and waited, withholding information of the event for months. This denied me and others the chance to protect ourselves and avoid being taken advantage of for their mistake.
Consumer complaint received 2023-01-03
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. (OH)

Hello CFPB XXXX, I have been trying to work with these credit bureaus for quite sometime now. Unfortunately, they have not been responsive to my disputes so I am submitting my disputes through here. 

I would like to report that the bureau did not receive my permissible purpose to report these negative and inaccurate accounts to my credit profile. 

The letters attach detail more about the scenario. Please see to it that each bureau receives the disputes.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (WA)

On XX/XX/2021, I submitted a ticket to Binance.US requesting deactivation of Two-Factor Authentication on my account. This was necessary because my phone was replaced suddenly and wiped by my employer which prevents my access to XXXX Authenticator. Binance.US responded initially same-day with an automated email requesting 1. a photo of the ID I used to register my account ( drivers license ) 2. a selfie of myself holding the drivers license 3. a video of myself holding the driver license saying : " Today is XX/XX/2021, I am requesting to reset my account XXXX for my Binance.US account associated with XXXX. '' This information was gathered and immediately sent to Binance.US support via email. I have heard nothing back from Binance.US. My additional emails to them only create new tickets with automated responses. Today is XX/XX/XXXX and while I haven't been waiting nearly as long as other people, reports of Binance.US abysmal support compels me to begin this process so I can regain access to the ~ $ XXXX held in my account on the Binance.US exchange. 

Original ticket # # XXXX
Consumer complaint received 2021-05-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

I had numerous problems getting my funds transferred from Citibank in XXXX. I was told if i wanted to access the funds in my savings i had to open a checking account, which i did not want but did so just to be able to access my money. 

After the funds were finally transferred, I requested that all accounts be closed. One of the accounts ( checking ) was closed, the savings account was not closed, though I made multiple requests to have it closed both online and on the phone, I was told it would be closed.

I received a notification that the account was not closed, and additionally that i have been assessed multiple fees for low balances. I am now chatting with them and they tell me becuase i am an elite customer, i have to call xyz to get the account closed, and when you call that number no one answers. 

I really want the accounts closed like i asked, this is a complete scam.
Consumer complaint received 2021-05-11
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. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

On XX/XX/2021, I send a letter to XXXX XXXX XXXX, and Lexis Nexis from US Bankruptcy Cout saying they did not report to the following companies.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (LA)

I have reached out to the company to try and get them to delete said debts off of my credit report as they were not authorized to report anything to my credit report by me. I did not sign any contracts with this company nor do I owe any debts. 




LVNV Funding LLC- {$620.00}
Consumer complaint received 2022-11-01
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. (PA)

They are reporting fake and wrong information about me. They responded that it was updated. I sent them my id with proof of residence, so they know it was me. I also sent them a letter notifying them of this inaccurate information XXXX XX/XX/22.