davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK (MI)

We had a home mortgage through TCF Bank ( now Huntington ). We were approved to close on a refinancing in XXXX, also through TCF/Huntington, but due to bank delays and failures to respond to us, did not close until XXXX after I submitted an initial complaint to the CPFB ( XXXX ). It now appears that the bank did not properly pay off our original mortgage at closing of the refi. We are now getting past due notices on our original mortgage as well as billing statements for the new mortgage. We are extremely concerned about possible impacts of this on our credit reports. We have not been able to get help from anyone in customer service or our loan officer after repeated calls and emails. We have serious concerns about the bank 's ability to operate as they have mishandled hundreds of thousands of dollars, appear to have no record of transactions and fail to respond to customers. We need help getting this resolved.
Consumer complaint received 2019-12-23
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)

HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX   OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX. 
OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDUKENTLY PLACED ON MY REPORT : 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 I HAVE ENCLOSED MY POLICE REPORT, I ALSO FILED AN IDENTITY THEFT REPORT.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A forex Trader by the Name of XXXX XXXX ; sold me services as a professional trader. She assured me that my money {$3000.00} would be invested with an incredible return on investment. She had me sent her the money via check to her account with Bank of America. As it turns out it was a scam operation. The checking account belonged to a different person. Once the check was cashed " XXXX XXXX '' disappeared and was no longer available. 

My check went from my checking account at XXXX XXXX  on XX/XX/21 to XXXX XXXX at Bank of America : Routing NumberXXXX Account Number : XXXX As it turns out the account belongs to a " XXXX XXXX '' I have reported this to my institution XXXX XXXX XXXX XXXX I would like Bank of America to be aware that this individual is scamming people. Please assist in recovering my money. This was additionally reported to ic3
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Beginning in XX/XX/year>, I requested a copy of my consumer report after being denied an extension of credit from an auto dealer. Upon reviewing my reports I found several inaccuracies throughout my report. I then submitted dispute letters to validate and correct the information. I received a response from the credit agencies that simply said the information was verified. However, in my dispute letters, I required that the reporting agencies provide me with the initial account documents that would have established the alleged debt as well as the procedure used and the parties involved in their investigation. None of that was provided. After the first, second, and third attempts to get this information that is required by law when requested, I sent another letter informing them of their willful negligence to comply with the law and my rights to privacy, accuracy, and fairness in the reporting and sharing of any of my personal information. However, my requests for them to comply with the law are still to date being ignored and I am still being willfully violated. I have included with this complaint, a copy of the letters and invoices I have provided to the agencies for violating the consumer protection laws that were created to protect my privacy rights and fairness in the reporting of my personal information. As a federally protected consumer, I have been financially and emotionally injured by these private agencies who are actively committing identity theft as I have not authorized in writing or otherwise the reporting of my non-public personal information or transaction history as it relates to the alleged debts and accounts disputed.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have found several disputes about inquiries being placed on my report fortunately and unauthorized I have been notified by external pay membership that my emails have been found on the dock Web I also have reported problems in the past with ordinary credit rules and transjunior refusis XXXX fuses to move through it's of 13 inquiries that have been placed on my TransUnion Report But in the last 60 to 90 days I have submitted dispute that is via satisfied mail to TransUnion question it's been a question disputing inquiries and to ask for it to be removed to tTransUnion not only did not investigate they did not send me a explanation of why they refuse to remove such echoes I have also I've also submitted disputes disputes with experience and XXXX  and have no problem Having the disputes removed and rectified define TransUnion is not not being cooperative there is no correspondence no communication
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for the American Express Hilton Honors credit card on the public welcome offer of getting {$100.00} credit plus XXXX bonus points after spending {$1000.00}. Two weeks after the approval, I did not receive the card. I called American Express for a replacement card. The Representative refused to send a replacement card. He assured me that the original card was on the way. Another two weeks had passed, and I still did not receive the card. I called American Express again, and this time the Representative agreed to send a new card and stated that I had 90 days from receiving the new card to fulfill the requirements to get the bonus. One whole month was wasted. I fulfilled the requirements by spending over {$2000.00} ( only spending {$1000.00} is required ) within the time frame, but did not receive the bonus points. I called American Express on XX/XX/2021, a female Representative assured me that the XXXX points will be issued within 8 weeks. She stated that XX/XX/2021 was the last day to receive the bonus points. I patiently waited another 8 weeks, and no bonus points showed up.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I am a XXXX of XXXX XXXX XXXX XXXX  XXXX We applied and received a paycheck protection loan on XX/XX/2020. The paycheck protection loan disclosure asked to voluntary disclose Veteran, Gender which is Male or Female not in line with gender identity, Race and Ethnicity. Does not ask about Sexual Orientation. I believe this is a violation of Title 7 and upheld supreme court decision on 15 U.S.C. 1691. 

I am openly XXXX and an owner of this loan that was originated. 

XXXX XXXX
Consumer complaint received 2022-12-12
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (TX)

This is a formal complaint against RS Clark and Associates located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, RS Clark and Associates has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (TX)

I did not give any of these companies permission purpose for run my credit. These accounts/inquiries are not verified. I have no knowledge of these companies. See attached letter. I demand that this be removed from my credit profile
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MO)

Signed up for a good deal for domain hosting services. XXXX XXXX XXXX  XXXX, on XX/XX/XXXX Somehow got signed up for " XXXX XXXX XXXX " for {$10.00}, and was billed for it. Don't want it, never wanted it, canceled it. 

Got billed again {$10.00} XX/XX/XXXX And again XX/XX/XXXX. Canceled it. 

They tried to bill again XX/XX/XXXX and XX/XX/XXXX but these two did not go through as I stopped them for fraud. They sent this {$20.00} bill to a collection bureau, however the debt was {$140.00} by this time. I contacted XXXX  on XX/XX/XXXX, they said they could do nothing to help other than cancel the acct, I had no choice but to pay the collection agency {$20.00}. Also, I did not speak to the " right department ''. There are many, many " departments ''. Retention, Cancellation, Fraud, Sales .... and no matter which one I speak to, it's the wrong one, I need to be transferred. Of course, if I speak to the wrong one, It's on me for not speaking to the " right '' dept. 

This is the collection agent for the fraudsters : Central Credit Services LLC ( Radius ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I spoke to them today, they claim I owe over {$100.00} ( how?! ) and There's nothing they can do, it's up to XXXX to recall the debt - in other words, exactly what XXXX told me only in reverse, so I need to call XXXX  back, " the right department '' - and of course XXXX says to call the collection agent. Round and round. 

I don't owe anybody anything, and they owe me {$20.00} for the two times they billed me for a service I canceled, and did not use.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX  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 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 2021-08-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have USAA as my automobile insurance carrier. I had full coverage with vehicle reimbursement up until late 2018. A transaction happened with my ex wife 's vehicle and my vehicle reimbursement was removed without my authorization or my knowledge. USAA records all phone calls, but they can't locate a recording of when my vehicle reimbursement was removed from my policy. I had an accident and USAA has refused to pay for rental reimbursement on my policy like they are obligated to do so. They state that the policy reflects that I don't have rental reimbursement and that's the proof that they have, even though they record all calls, they fail to provide me a phone call recording which took place, but they state that I don't have it, even though I never removed vehicle reimbursement from my policy and I never authorized anyone to remove it. USAA is commiting illegal procedures against it's veteran customers.
Consumer complaint received 2021-08-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TN)

I am a XXXX  and I would like to file the complaint on behalf of XXXX XXXX  and myself The lender, XXXX XXXX nmls # XXXX, of Cardinal Financial XXXX XXXX nmls # XXXX, not doing his job and being dishonest in the process of the loan. The home was UC on XXXX XXXX and ( appraisal ordered XX/XX/2021 ) finally did not close as of today XX/XX/2021 due to Buyer not qualified for the loan after 9weeks UC. According to buyer 3 weeks ago the lender switched loan types to Conventional from FHA and never told me nor did he supply a new loan disclosure to the buyer to be aware of changes. The lack of professionalism and communication was the worst Ive ever dealt with in 17 years of being a XXXX. My buyer took money from a XXXX to purchase a house with knowledge from his lender that he could purchase a home and now he will be penalized if he does not use the money he withdrew by the end of the year. As an XXXX XXXX of 15 years, this should have never happened to a consumer.nor should anything be under contract for 9 weeks in false pretense
Consumer complaint received 2023-08-31
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. (TX)

COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO XXXX XXXX XXXX BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX XXXX. 
.
Consumer complaint received 2021-08-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I reached out to Account Resolution Services a division of HRRG, LLC in XX/XX/2021 requesting that they validate a medical debt they had placed on my credit report. I received a correspondence from them dated XX/XX/2021, which did not provide any proof of validation. I then sent them a certified letter which was signed for on XX/XX/2021, again asking for them to validate the debt. They sent a correspondence identical to the first one on XX/XX/2021, which did not provide the information that I requested as proof of validation regarding the debt belonging to me. On, XX/XX/2021, two certified letters were sent to them, one advising them again to validate the debt, as well as a Failure to Validate the debt correspondence. I received a third correspondence which was identical to the first two where they still failed to validate the debt.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MI)

I was told this was a rewards card when signing up and not a credit card. When I figured out what it was, I asked the cashier to stop and cancel but it was too far into the process. The card was never used and closed immediately. I just want this deleted from my credit report as this was a communication issue from the store.
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I got email that this account that this account was engaged in activity to deceive PayPal and its customers. 

PayPal said After a review, we decided to permanently limit your account as we detected that this account that this account was engaged in activity to deceive PayPal and its customers. 

but I haven't done any thing and my money is stuck in PayPal. 
please restore my account
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (MN)

I have had continuous problems with FlagShip Credit Acceptance. 1st started when I was placed on unpaid CoVid Leave. I called requesting a payment deferment. They said no problem, but my account had to be behind ( account was current ) and I had to pay {$130.00} for process the paperwoork - which I did. Then when I noticed that they never deferred my payment, I contacted them only to find out that they had no record of my contact even though I sent my request via registered mail, email, fax, and by phone. Then while catching my account backup, they blocked my online access to pay my bill - forcing me to make payments via U.S. Mail which taked several weeks for them to process thus creating late fees. My current statement shows last months payment not received yet and current months payment due of {$420.00}. Today, my account finally shows last months payment finally processed and should reflect current months payment not due yet. Instead it shows that {$95.00} is behind, and that current months payment reduced by that amount. If I make the {$95.00} payment, how can it reduce the amount that isn't due yet? Thus, they are forcing me to make my monthly payment early, or are charging me a {$95.00} a month fee to mailing my payment because they blocked my online access, In addition, I have recived robo calls from unpublished numbers from them requesting my bank information. They refuse to put anything in writing. THIS IS FRAUD AND PREDATORY LENDING PRACTICES AND POSSIBLY CRIMINAL!
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NM)

I hired a lawyer to send out cease and desist notices to this company, but they still are still harassing me with their constant phone calls. I can not use my XXXX  number anymore ( I live in XXXX and the alleged debt they are trying to collect is in the XXXX ). Cybersecurity experts at both XXXX XXXX and XXXX have determined definitively that perpetrators cloned my computer and did more than simply stealing of my name and social security number, yet this unscrupulous company XXXX XXXX XXXX continues to harass me. My lawyer has demanded that they remove this from my XXXX, XXXX XXXX, and XXXX  files, but this XXXX XXXX is relentless. My assessment is that they are sociopaths or perhaps suffer from malignant narcissism. Whatever their disorder, they appear to have no conscience.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have send over 5 requests to Transunion They are not updating my report or removing inaccuracies- They have not given me a copy of my report. They sent 1 generic letter!

They are the ONLY reporting agency reporting these!

Reporting inaccuracies XXXX - says Im a co-signed on a count never provided proof of debt validation XXXX XXXX Account- has a person same name with a totally different sob and social from me and still reporting the fraud XXXX- states a late payment it it was paid off early in full never was late ever!

The inquires attached were done without my consent. Signature or acknowledgment and they wont remove after contacting them three times they have failed to protect my rights by law and harming my score and credit account with inaccuracies they also have not update zero balances on accounts that have no balance since XX/XX/2021 I want them held accountable
Consumer complaint received 2021-08-12
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: FIFTH THIRD FINANCIAL CORPORATION (TN)

XX/XX/2021 I had a construction Dumpster set at my son 's house. I asked for removal they moved it 3 days later then XX/XX/2021 a over charge was put on my card. I canceled card and disputed charge. Rolling balance carried to new card. They were paid. After arguing I decided it was a aste of time and paid the charge. Then with remaining balance I paid my card in full. Balance was XXXX. Dispute people decided that it was a legitimate charge and put it on my card. They refuse to do the simple math and see that the charge was paid and balance was also paid they put it on cause it was legitimate but I had paid it. Customer service agrees with me but dispute with exceptions to 2 individuals also aree.this has gone on for over 4 months and they are damaging my credit and compounding charges. It's not the money it the principal. I don't owe it. I even tried to make a deal to pay it off even though I don't owe them. They refused that also. I am a XXXX XXXX veteran and it is a tremendous strain on me in XXXX way thank you XXXX XXXX