davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (AZ)

In accordance with federal law and my mortgage loan contract, I have the ability and right to make my mortgage payment without penalty on or before the XXXX of each month. 

Cross-country mortgage intentionally limits my rights, and profits themselves by limiting the date of my scheduled monthly auto-draft payment to not later than the XXXX of each month. 

This harms me and other borrowers while the mortgage company holds onto our money for 10 extra days before remitting it to XXXX, XXXX, etc ... 

My only alternative is to risk fraud, theft, or loss by manually sending in a check each month or using my billpay service to do the same. However, that incurs an additional cost. 

I desire the CFPB to investigate this blatantly unlawful practice and force changed behavior. 

Thank you
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX  XXXX XXXX //LATE close - Balance $ XXXX-Date Opened : XX/XX/2015
Consumer complaint received 2023-03-06
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. (VA)

My name is 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 2021-09-15
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. (CA)

I the consumer XXXX XXXX, was the victim of identity theft and have fraudulent accounts appearing on my credit report as result of that. These accounts originated from identity theft and are fraudulent, I never benefitted from these accounts. 15 usc 1681c-2 states that any items related to identity theft must be blocked by consumer reporting agencies. The following accounts are related to identity theft 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 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with Transunion and XXXX. I have never given XXXX XXXX written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to Transunion and XXXX and they both said that XXXX XXXX provided them the information.
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (TX)

CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX Balance owed {$3400.00}. Tried reaching out to the company to inquire further information. I have no knowledge of this company and maintain help insurance.
Consumer complaint received 2021-01-04
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)

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT FRAUDULENT APPLICATION IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I'm the administrator for my husband 's estate. He died XX/XX/20. All of his assets ( savings and investments ) had designated beneficiaries, one of which is a minor. 

Citizens Access, one of the banks involved, refuses to allow transfer of funds for the XXXX year old without a probate court order. Probate court advised us no order needs to be issued as all assets had named beneficiaries. Citizens refuses us access to his account and will not allow us to even view statements nothing without a court order that will never come. Probate filing costs {$400.00} plus legal fees for a filing which the probate court says is unneeded. 

Citizens reply is : probate court order or NO access. 

I, as administrator, am responsible for the handling of this estate. 

How do we resolve this?
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (GA)

On XX/XX/XXXX I noticed a blocked missed call from a company labeled as CBE Group on my cell phone. When I opened the missed call notification, the history showed 3 separate calls from XXXX dated XX/XX/XXXX @ XXXX EST, XX/XX/XXXX @ XXXX EST and XX/XX/XXXX @ XXXX EST. I finally decided to call them back on XX/XX/XXXX @ XXXX EST since none of the calls resulted in a voice message. When a woman answered the phone she stated they were a debt collection agency and began to ask me to confirm my information. I refused because I could not be sure this wasn't a scam. She asked if she was speaking with XXXX XXXX and if my address was XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX ... which it is not. I confirmed my name but told her the address was wrong and I hadn't lived at that location for over 5 years. I asked her multiple times what this was regarding and she stated this was a debt from XXXX received by them from another collection agency XXXX XXXX XXXX. After going back and forth with her about the age of the debt, I asked for written communication regarding this supposed debt I owed because we were one week away from the end of XXXX and I'm receiving phone calls from their company about an almost 16 year old debt? She then transfers me to her " supervisor '' who I proceeded to ask the same request. I will not confirm or acknowledge anything without something in writing stating that this is even my account as well as who they are in this process. After about 15 mins of him trying to convince me that they were just looking to help me set up a payment arrangement, he finally agreed to mail me notification. On XX/XX/XXXX I received a notice from CBE dated XX/XX/XXXX claiming that XXXX XXXX XXXX forwarded this debt in the amount of {$430.00} to them. The notice states the original creditor is XXXX and the current creditor is XXXX XXXX. The notice also states that due to the age of the account I can not be sued by either CBE or XXXX XXXX. Nowhere in this communication does it state anything regarding this original account, nor does it include dates of any kind. So, my question is what is the purpose of this entire scenario? What is the goal here? I still have not received anything showing this was ever my account ; I don't have anything from XXXX XXXX XXXX ( who I worked with earlier in XXXX to pay off an old debt so they ABSOLUTELY have my current information ) and if I dispute this then I start a legal clock that otherwise doesn't exist.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX these NAMES are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2021-01-04
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. (GA)

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT FRAUDULENT APPLICATION IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (OH)

On XX/XX/2021 I received a Reliacard Debit card, supposedly from US Bank. To my knowledge I do not have an account with US Bank and I did not request the card that I received. I initially tried calling The Cardholder Services number that came with the card, but I could not get connected to a real person to discuss the issue, and could not get passed the computer interface without entering my account which I do not have, or other personal information, which I did not feel comfortable giving them. 

I then called the customer service number for US Bank that was on the FACTs sheet that came with the card. After waiting for 20 to 25 minutes I was connected with one of US Banks Customer Service Representatives. The customer service rep told me that US Bank just makes the card and puts their name on it, but other then that they have nothing to do with the Reliacard. The offered to connect me with the Reliacard Customer Service and transferred me to another line. The new line rang about 12 times and then the line went dead. Since I didn't want to wait another 20 to 25 minutes to talk to another US Bank representative I decided to try and contact Reliacard through their web site at www.usbankreliacard.com. On the web site they had On-Line Chat so I started a chat and told them the issue, they then forwarded me to another site to file a complaint. This site required me to enter personal information, that again I did not feel comfortable doing and I had to pay a dollar, that was supposedly refundable. I left that site and contacted you to file a complaint. 
My concern is that by sending me a card that I did not request pits me at risk of identity theft and would like them to never send me a card that I do not request. I am also very concerned with US Bank, they seem to allow their name to be put on the card, but take no responsibility for any issues associated with the card.
Consumer complaint received 2021-01-04
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. (FL)

These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely
Consumer complaint received 2020-11-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I tried reaching the mortgage company on XX/XX/XXXX but only an automated system was answering. I was calling to talk to someone because my 15-year loan was due to Mature XX/XX/XXXX. Later, I received a letter dated XX/XX/XXXX, stating they put me on a Covid-19 Forbearance through the beginning of XXXX. I had been requesting a Loan Modification Packett for a long time but they never sent me one until XX/XX/XXXX. I filled it out over the phone with a company agent per what he was advising, except for the financials I scribbled in quickly and faxed it the same day. 
Next, it came back Denied with an option to Appeal by XX/XX/XXXX. I submitted the Appeal on XX/XX/XXXX and XXXX, XXXX, which is Still Being Reviewed ; as of a letter dated XX/XX/XXXX, received last Thursday, XX/XX/XXXX ; yet, they seem to be proceeding towards Foreclosure. XX/XX/XXXX, was the last payment they allowed me to make ; afterward, they Blocked my online account and Refused All Payments because the loan had matured. They Forced me into Delinquency then sent me a Letter of Default with the Intent to Foreclose on XX/XX/XXXX. Most importantly, I am a Very XXXX XXXX XXXX XXXX, having great difficulty standing and walking. I have been having Numerous Medical Problems which caused me to have daily in home XXXX from XX/XX/XXXX through XX/XX/XXXX, along with 10 days in the hospital, many XXXX on my XXXX and XXXX XXXX. In addition, I have Severe XXXX XXXX, I have had a XXXX XXXX, 2 XXXX, XXXX XXXX XXXX for a XXXX XXXX XXXX which requires lifelong blood thinners is very problematic and requires much care, All of these Medical Problems leave me at a higher risk of Covid-19. I am a widow without children ; this is my Only Home and I have lived here for 22 years. I am terrorfied of losing my home, it is all I have. The Loan Balance is approximately {$27000.00}, however, the Propert Value is around {$120000.00}. I have paid off the 1st mortgage ; which seems to be the motive why they have done all of the above. I could have Refinanced but the Forbearance, the Delinquint Payments even though they Refused the Payments is preventing me from getting another Mortgage Loan.
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Armcon Corp (CA)

Coachella Valley Collection Agency reported a negative reporting on my credit. Coachella Valley said they sent me a letter on XX/XX/XXXX and then file the reporting to the bureaus on XX/XX/XXXX. This is less than 30 days. In addition, I never received any notice from the company. 

The amount Coachella Valley Collection states I owes is not my responsibility and I do not owe. There is no authorization and/or contract signed by me.
Consumer complaint received 2021-09-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am filing the complaint against Equifax, XXXX and XXXX because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NC)

I have gotten the police report started. I have been informed to make a complaint with the IC3 FBI complaints department regarding this account. 

I'm extremely concerned that Chime Bank has refused to share any information with me relating to this matter. I have provided my personal information, that would be required to open any traditional bank or credit accounts -- I have verified, with your support department, that my DOB and SSN matches the information already on file with an open ( and assuming active ) bank account with your bank. 

I had explained that I attempted to open an account sometime in XXXX and I was denied. I was curious as to why I was unable to open an account and followed up a few months later, after attempting again to open an account with Chime. 

After the second attempt, I contacted your support team and have had numerous communications via phone call and email, extremely concerned that my information has been provided to you by another person. 

Officer XXXX, who is overseeing the investigation, asked for other information from me regarding this account. The only information I could offer him was that I was denied an account with Chime Bank after Chime Bank notified me that I had already had an open account. 

Chime has refused to cooperate with me, personally as a consumer, to ensure they are doing what they can to help protect my identity with the information they have shared with the offending party. I do not know what Chime Bank has regarding details about me that a fraudster may have used to open this account. 

See the attached report. I will follow up with the IC3 Complaint information next.