davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cooling & Winter LLC (GA)

My wages are being garnished without notice! I did not receive any notification of a lawsuit against myself, so I could not dispute it or reply to this lawsuit. Now my wages are being garnished leaving me unable to provide for my child, pay rent, and financially unable to live. I will have no choice but to file for bankruptcy! I plan on seeking legal action as well due to the lack of communication and non-notification of this matter!
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I GOT LETTERS STATING THAT BANK ACCOUNT WAS OPENED IN MY NAME AND ASKED ME TO SIGN AND MAIL BACK TO THEM. I HAVE NO BUSINESS RELATIONSHIP WITH SUCH ENTITY, NOR DID I DISCLOSE MY PERSONAL INFO TO THEM. 
I HAVE ATTEMPTED TO CONTACT FEW TIMES BUT THE HOLD TIMES EXENDED BEYOND XXXX MINUTES ON THEIR HOLD LINES. 

TODAY ( XX/XX/2021 ), I WAS ABLE TO SPEAK TO THEIR REPRESENTATIVES THAT CONFIRMED THE FOLLOWING : ACCOUNT OPENED IN MY NAME ON XX/XX/2021 WITHOUT MY PERMISSSION. 

IT SYSTEM WIDE ISSUE THAT BANK IS EXPERIENCING. HOWEVER, BANKER WAS NOT ABLE TO GET A HOLD OF THEIR INTERNAL FRAUD DEPARTMENT OR SHARE DETAILS OF THE BREACH. 

ATTACHED IS A LETTER ACKNOWLEDGING SUCH BREACH OR FRAUD.
Consumer complaint received 2021-03-19
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: TD BANK US HOLDING COMPANY (OR)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (VA)

On XX/XX/2021 at XXXX I received a call from the telephone number XXXX there was an automatic message that said this was my last chance to pay them and solve a problem or they were going to sue me and withhold money from my paycheck. The recording said if I wanted to speak with a live agent to press the # 1. I did so and XXXX at extension XXXX came on the line. XXXX said that he was with XXXX XXXX XXXX XXXX. He said that their company pays all three credit bureaus to hold accounts with them and that they had the ability to collect. He said that his company had all of my information including my social security number, bank account, and where I was employed. I tried to explain to him that I do not owe a debt with them or Allied Cash Advance. He still insisted that I did and continued to threat that they will take action. They are making false statements and representation, trying to collect wrongfully on a debt that is not owed. They threatened to contact my employer and withhold money. They continue to contact me after I have asked them not to.
Consumer complaint received 2021-07-09
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. (NJ)

I did not get any response from the credit bureaus regarding these accounts I disputed which is already over 60 days : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX-XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (ME)

Is the CFPB going to allow this case to be closed when Barclays response was clearly based on incorrect information? 

Barclay 's sent me a letter dated XX/XX/21 that if I didn't use credit card my card within 30 days, the account would be closed due to inactivity. A review online of my account on XX/XX/21 showed the account had already been closed. After calling Barclays Customer Service the same day, I found out that they closed the account on XX/XX/21 and would make me reapply to have another card. The credit line on the card was {$13000.00}, this has now caused my utilization rate to increase significantly, impacting my credit score. The representative didn't appear to know how I could formally file a complaint with his company, except to have somebody call me. He certainly didn't seem to know how to log any CFPB complaints internally. It's unclear to me how a company can send a letter saying I have a certain number of days to do something and then take action prior to allowing the given timeframe for that to occur.
Consumer complaint received 2024-01-30
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All these accounts that I don't know and are in my report I don't want them, I have reported them many times 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Late payment reporting In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681section 602 states, I have the right to privacy. 15USC 1681section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

Unauthorized Inquiries I have noticed unauthorized inquiries on my credit report and would like it removed. According to the FCRA, this unverified and unauthorized item must be removed. I would not like to have a freeze on my account it is not necessary I will freeze my accounts myself.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

Notice to the Consumer Financial Protection Bureau For violations of the Consumer Financial Protection laws by XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and the violators of the consumer consumer laws of the United States is XXXX XXXX XXXX and the Employer the office of Hayt Hayt and landau LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX. They have violated the Consumer Financial Protection laws by not providing verification of this alleged Debt with account level documents as I have requested, Pursuant to 15 u s c 1692g and 1692 CC along with your requirements from your XXXX case and your XXXX XXXX XXXX case.They have chosen not to verify this alleged Debt with account-level documents and they refused to cease and halt all collection activities until verification has been obtained by the original creditor in this fractional Reserve banking system.They have continued to pursue collection activities with a lawsuit add XXXX XXXXXXXX XXXX Magistrate Office at Magisterial District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX | Fax XXXX the second Violator of the laws of the United States which are the Consumer Financial Protection laws is Magisterial District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX | Fax XXXX. In the unverified case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and his Employer the office of Hayt Hayt and landau LLC. XXXX XXXX XXXX and his Employer the office of Hayt Hayt and landau LLC they know with verification is along with halting all collection activities until verification is obtained by the original creditor with account-level documents. XXXX XXXX should know all this but if he doesn't know now he's on notice. I will provide a copy of the verification of the debt letter with this complaint to the Consumer Financial Protection Bureau.
Consumer complaint received 2019-05-03
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)

Since, XX/XX/XXXX until to this day of XX/XX/XXXX I have been disputing with XXXX XXXX XXXX , XXXX. regarding a debt I do not owe to XXXX XXXX Apartments in the amount of {$74.00}. 

I have repeatedly asked Equifax Credit Information and XXXX XXXX XXXX , XXXX to provide me with proof of my signature that I have legally binding contractual obligations to pay XXXX XXXX XXXX , XXXX {$74.00}. 

Equifax received documents to prove my claim of a debt I do not owe. Yet, they continue to undermine the Consumer Financial Protections Bureau with the results of their investigation to be accurate and without proof of evidence. 

The same information was presented to XXXX and XXXX  for investigation. It obvious Equifax have not investigated this claim and continue to report the information to be accurate which leaves me no choice but to file a small claim with the court system.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

its been over XXXX days and the creditor information not had provided proof or documentation in regard to a late payment They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had XXXX days to complete this investigation, and failing to do so this must be deleted immediately from the report as soon as possible
Consumer complaint received 2021-07-09
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. (MD)

Between the Department of Education and XXXX my loans were sent to XXXX my student loans are at a XXXX balance with XXXX on my credit report. 
My score went from fair XXXX to XXXX poor over night 41 got XXXX points when I have a XXXX  balance from {$31000.00} worth of student loan debt. 

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP? 

XXXX IS GOING ON ... ..
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2024-03-25
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

Loan number is XXXX. I sold the home and it closed on XX/XX/XXXX. Payoff funding occurred on XX/XX/XXXX. As of that date there was an escrow account balance of {$1500.00} owed to me, the seller. Mr Cooper confirms this, and I have the account statement showing this escrow balance. I began contacting Mr Cooper shortly after that about the refund. I have contacted them at least 14 times by phone, each time confirming that the escrow refund is due to me, but with multiple conflicting stories of why I haven't received it. I have a detailed phone log, and all documents, to corroborate my complaint. I again contacted Mr Cooper today, XX/XX/XXXX, and am still attempting to get the refund. I still have not received my escrow refund, over eight months post closing.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

On XX/XX/2021, I contacted Experian and XXXX  to inform them the bankruptcy on my account is inaccurate. XXXX  has deleted the erroneous bankruptcy off my report but Experian and XXXX  keeps telling me it is verified but fails to provide me the company, organization or persons responsible for verifying the information. I want this bankruptcy removed off my report immediately.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A. (FL)

I was sued by XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX, XXXX for a credit card debt incurred and signed for in XXXX, NC which was my residence between XXXX - XXXX. The lawsuit happened in XXXX and was served to an address in XXXX, NY that I or no relative of mine lived at anymore and I lost the judgement I was unaware existed until my XXXX XXXX ( XXXX XXXX  at the time ) account was seized in Florida where I then lived behind the lost judgment. I tried to resolve with the firm at the time and they were demanding more money and unwilling to settle with the funds they had already taken through the New York judgement. I walked away from the account and moved on. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a class action lawsuit that happened between XXXX against them for the sewer service situation that I should of been a part of and was not. They settled for XXXX XXXX and that information was likely sent to that address in NY also. The lost Judgement against me is still active in XXXX, NY and I need it vacated since it clearly says on the judgment the server taped the subpoena to the door of an address I hadn't lived at for 7 or 8 years and was not where the debt even occurred that I was being served for. The lawyer was aware at the time NC was a state I could not be sued in. 

In XXXX the case was transferred to XXXX XXXX Fl where XXXX XXXX XXXX XXXX took me to court and I was granted an exemption and told to resolve the case in NY so no other law firm would try to collect again. Since then the debt has moved to XXXX XXXX XXXX. I was told at that time about the judgments being vacated but now I am finding out it not and is still active in NY and Florida and simply had an exemption on it now.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX , XXXX DBA XXXX XXXX XXXX was allowed by Capital One , Inc. to push through {$2400.00} of unexplained charges to my Capital One card. The same compnay inadvertently pushed through {$2100.00} on my adult daughter 's Capital One card, approximately a year later. Making this their standard m.o. My current case is against XXXX XXXX , XXXX DBA XXXX XXXX XXXX , but capital One is next, due to subsequent liability.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have been trying to get my old address, phone numbers and spelling of my name taken off of my account and it seems like they are stuck. My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, De XXXX, and my phone is XXXX. Any other address on my credit report is wrong and should not be on there.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted these companies and the credit reporting agencies to let them know I dont recognize these inquiries and they refuse to remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-09
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. (CA)

I have requested for TransUnion to validate that this creditor account is accurate and complete. My first request was in XXXX, received zero response. My second request was in XXXX, requested that they validate the accuracy of what is reporting and remove the balance owed and " derogatory '' status due to it being sold and in collections. Ive yet to receive a response in over 60 days that an investigation was even started.
Consumer complaint received 2021-06-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

To whom it may concern : I have reached out to my lender for help and they continue misplace my documents. This is my third time submitting the same documents over to them and I don't know what is going on with their intake processing team. I am looking for help and not another excuse from that they never received it when documents are being submitted to the correct email address they provided ; XXXX XXXX
Consumer complaint received 2021-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

Refused to accept Public Service Loan Forgiveness Certification form on XX/XX/2021. Letter from FedLoan said my end date is before my beginning date. However, there is no end date on my form because I am still employed with the same company.
Consumer complaint received 2021-07-09
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: Synovus Bank (CA)

In XX/XX/2021, I contacted XXXX XXXX regarding a 30 day late reported on the account. The agent I spoke too suggested that I submit a goodwill letter regarding the account since I have always paid on time and have never been late in the past. I submitted a goodwill letter in early XX/XX/2021, but XXXX XXXX has not responded. In addition there is a violation regarding Debt Dispute Violations by CRAs. The creditor failed to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice/letter of my dispute.
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

On XX/XX/2021, I.C. System, INC reported 4 invalidated accounts to all 3 consumer reporting agencies which constitute fraud under both Federal and State laws pursuant to 15 U.S. Code 1692g ( b ). I.C. System has not provided me with competent evidence that I have any legal obligation to pay. 

Due to this fact, and in accordance with 15 U.S. Code 1681n ( b ), I.C. System, INC is civilly liable, and I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SIMM Associates, Inc. (IL)

I received a letter from Simm Associate 's that stated that I owe XXXX for a XXXX account. i called and spoke to XXXX and explained that i never had a XXXX account. i was told that i would need to either pay or call XXXX but not paying would mean that they would sue me and seize my bank account. I tired to explain that i recently had XXXX for XXXX and have limited funds for bills and can not have my account seized. I was told to either pay or call XXXX there was nothing else that could be done. I called XXXX and they stated that I should talk to Simm associates. I called Simm back and was told by XXXX that I need to either pay the balance or that they can seize the money and report it to my credit. I said that i wanted proof that this was an actual account and was told that they could not provide me that and that they had reviewed the account and it was their belief that the account is correct.