davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EMBRACE HOME LOANS (WA)

In XX/XX/XXXX, my mortgage company informed me ( attachment A ) They were changing partners in collecting the payments. In this document they wrote what do you need to do? nothing we take care of everything. So I went on to the next piece of mail. Later I picked it up again and found that I would in fact need to be involved in setting up payment through my bank. So I tried contacting the lender Embrace Home Loans, offering to make small additional payments to my mortgage until the month was paid for. I was willing but the amount they expected was more than I could scrape together. So I was n't able to resolve it that month, the next month they did not take the money that was there even though I set it up to be paid, since I had according to them defaulted on the loan. I sought help and was contacted by XXXX, XXXX was the contact. He hooked me up with XXXX XXXX who had previous experience fighting my lender and claimed not only the lender was practicing Predatory Lending, but that they could reduce my mortgage from $ XXXX- {$340.00}. I paid {$700.00} a month for their help for 5-6 months, and then the suddenly seemed to be trying to work with me. The contact at XXXX XXXX, called me and reported the offer the lender came up with was {$700.00} a month. I can do that, but it was n't what I was offered. Anyway the contact ( XXXX XXXX ), Said If I decide to accept this offer than to sign it and mail it in. I asked what if I do n't accept it? She said then I have to consult my supervisor. She then told me to contact her upon my receipt of the offer. I read the offer and it had my spouse on it, and according to the lender I can not even have this offer without his signature. 
The kicker here is that on XX/XX/XXXX He filled my home with propane and tried to blow us up cause I asked for a divorce. I sent him to prison, and obtained a life long no contact order. I feel since the legal assistance was useless and they are refusing to at least explain what my options are, I feel screwed over. Honestly It is my opinion, the property values are going up the loan amount is $ XXXX But the value is reported to be $ XXXX. There is new industry coming to the area, and I may lose my home just so they can resell for more. 
I 'm sorry if that was over the top. I do want to make clear I am an XXXX, Served with pride ( XXXX XXXX, and XXXX ). I am currently a XXXX for my XXXX adult son, as well as XXXX other XXXX people who are vulnerable. Myself and XXXX renter are Veterans. I work at XXXX XXXX of these people- without state assistance. I need help, I am XXXX and trying to hold onto my home.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

I have a checking account and debit card with XXXX XXXX XXXX XXXX XXXX. I needed to make a cash deposit to an ATM, but there were no XXXX ATMs in my area, however they are part of the XXXX  ATM network, where I should be able to use any XXXX ATM to do certain transactions, as far as I knew. I found the nearest XXXX  ATM that said it accepted deposits, which was a Navy Federal Credit Union ATM attached to a Navy branch ( address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). On XX/XX/22 at approximately XXXX XXXX, I used this ATM to attempt to make a cash deposit. The amount of cash was {$270.00}. I entered my XXXX debit card ( ending in XXXX ), entered my PIN, and selected cash deposit and entered the cash into the machine as instructed. The machine spent several minutes making noises as if it was counting the cash and then an error message appeared on the screen " Unable to return your cash ''. It then printed out a receipt that says : " We encountered a problem returning your cash. Please contact your financial institution. '' It also has the timestamp and the ATM # which is " XXXX ''. 

I went to the Navy FCU branch in person on Saturday XXXX and briefly spoke with an employee who only told me that I had to contact my credit union to file a claim. I have contacted XXXX by phone many times over the past few days and have spoken with no less than 5 employees in the payment services department and the claims department, who have repeatedly told me that they have absolutely no way to initiate a claim with Navy FCU because there is " no record of a transaction on their end, so there is nothing to file a claim over. '' I have also spoken with the ATM services department at Navy FCU over the phone, who also told me that they need XXXX to initiate a claim with them to start the process of returning my funds to me. 

So it has come to this, I have both financial institutions giving me the run around. My cash is physically in the Navy FCU ATM and whenever they audit it they are going to find the overage, and I don't know how they are going to return the funds to me because XXXX is refusing to help me or coordinate with Navy FCU in any way.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I NEED CREDIT REPORT UPDATED AND CORRECTED AND MAILED TO ME I went online to get a copy of my credit report and credit score. I was told to call XXXX and give them a reference code of NH. Once I had a representative online, they text me a link in which they wanted me to upload my Texas ID front and back and take a picture to verify my identity. I complied. Then she said that the address they had on file was not my address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX she said she needed me to fax her my 1099, Texas ID, Social Security number, along with a reference stating that this information was to prove my identity and update address. 
Please see attached Confirmation to the fax number given to me by equifax information services. ( XXXX ). I faxed the requested documentation of my Texas ID, My 1099 ( proving my current ) address as well as my social security card.I called back today to check the status of the information I sent and was told by a " supposed '' Office of Consumer Affairs Supervisor ( XXXX XXXX ID XXXX ) that they have not received my information and that my information might have been dis-guarded because it was not the correct information. I explained to her that this was the EXACT information that was requested from me and she said well you need to mail it because we don't have it. When I inquired where my PERSONAL PRIVATE information was that I sent to a " supposed '' secure fax number that was given to me by her equifax representative, She said she did not know. I asked to speak to someone high than her that could assist me with finding out where my PERSONAL PRIVATE information went, as it was supposed to go to them, SHE WAS EXTREMELY RUDE AND UNPROFESSIONAL, she declined and said that she was the highest person that I could talk to. I asked for her supervisor and she said no, she was the highest person. I told her that it was against the law for her not to let me know where my information went and that she was violating my rights not attempting to assist me. She responded by saying that we were going in circles, that she is the only person that I could talk to, there was no one higher than her, then she proceeded to disconnect the call without assisting me in any way.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Dear sir, I have received another letter from one of your offices in XXXX addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX written dated on XX/XX/XXXX of 2024. This one also mentioned the status unable to process the security freeze. Same to the last one, it asked two documents for identification, one from government issued and one to validate my address ; therefore, I enclose the copies of XXXX passport and drivers license. The letter asked me to decide myself the duration of security freeze. From my experience to add the security freeze, upon the request of some credit report companies, if correct and consistent on their sides, I was asked to file the necessary documents for XXXX years. However, since your company office asked me to decide, and internet search suggested that the victim of the XXXX XXXX could choose the duration. Therefore, I strongly wish it will last XXXX XXXX XXXX ; therefore, it should be from XXXX XXXX, 2024, to XXXX XXXX, 2080. Also, since the letter asked another identification document, I enclose a copy of social security number. 
Sincerely,
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Frontline Asset Strategies, LLC (IL)

Fronline Asset Strategies LLC has violated my federally protected rights under 15 USC 1692 and 15 USC 1681 as 18 USC 1341.

In violation of : 15 usc 1692 ( c ) ( a ) : a debt collector may not communicate with a consumer in connection with any debt.

In violation of 15 usc 1692 ( B ) ( 5 ) : not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

In violation of 15 usc 1692 ( D ) ( 2 ) : the use of obscene or profane language the natural consequences of which is to abuse the hearer or reader In violation of 15 usc 1681b : Permissible Purpose In violation of 18 usc 1341 : Mail Fraud and Swindlers.
Consumer complaint received 2022-10-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

The last date payment made on this account for XXXX XXXX was XXXX XXXX. It is reporting as a charge off and closed, 1681c ( a ) ( 4 ) .They placed the account for collection or charged it to profit loss. That is fraud to write it off as a loss then trying to make the consumer pay them. The charge off balance at the time of charge off was {$260.00}. For years it was reporting as {$260.00}. Now the balance is reporting {$440.00}. How can a charge off account balance increase when it is charged off? I have asked for verification and validation of this debt from XXXX XXXX and I have not received anything but the credit bureau stating that the account has been verified and to call XXXX XXXX, which I did and they send me from one person to the other or tell me that the person I need to talk with is not in or to call back later in the week. The Statute of Limitations for South Carolina is time barred after three years have passed. 15 USC 3-530.They are in violations of my rights as a consumer. 1. ( 1681a section 603d ) this is a bearing on my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. 2. 1692f-1- The collection of any amount 3. 1692e ( 2 ) ( A ) - the false representation.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.
Consumer complaint received 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (PA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ).
Consumer complaint received 2022-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

FRAUDULENT ACCOUNTS 1. Capital One account number XXXX XXXX - XXXX XXXX 2. Capital One Account Number XXXX 3. DEPT OF EDXXXXAccount number XXXX, XXXX ( XXXX ) 4. DEPT OF EDXXXX Account number XXXX, Loan ( XXXX ) I TALKED WITH THE DEPT OF EDXXXX  ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO EDXXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. 
THE DEPARTMENT OF EDXXXX SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING CAPITAL ONE, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH CAPITAL ONE TODAY, XXXX AND CAPITAL ONE IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX
Consumer complaint received 2022-04-20
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: Granite Edvance Corporation (CT)

Granite State Management ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 XXXX
Consumer complaint received 2022-04-20
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: CLGF Holdco 1, LLC (CT)

This will be the XXXX complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately XXXX mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and bar admissions. Current issues : XXXX is reporting correctly, XXXX is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. Indigo payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full XXXX. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/XXXX
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Consumer complaint received 2022-04-20
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. (CT)

This will be the XXXX complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately XXXX mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and bar admissions. Current issues : XXXX is reporting correctly, XXXX is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. XXXX payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full XXXX. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/XXXX