davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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. (VA)

Unauthorized inquiries on my EQUIFAX And XXXX consumer report. Ive filed ID theft already and they have not assisted me properly. The account number for the collection account on EQUIFAX is XXXX. They failed to verify the information prior to adding the information to my consumer report. It is also stated on the account summary that the account is a medical bill and that is also against the law
Consumer complaint received 2024-02-20
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

In accordance with the Fair Credit Reporting Act Synchrony Bank/ Amazon has violated my rights under 15 USC 1861 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
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: TD BANK US HOLDING COMPANY (FL)

events happened as follows in XX/XX/2021 I submitted my payment for my target card as usual on time. My payment was not honored due to a bank error. Once I was notified by target I paid the amount immediately with a representative over the phone I also sent target card services the bank letter with the information that my payment was not honored due to an error from the bank that the funds were available. The representative from target card services explained to me it was not an issue and the late payment would be corrected due to it being a bank error.Target credit card services is still reporting a late payment for XX/XX/2021, they never corrected the reporting.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (MD)

A large payment ( {$10000.00} ) was made to Pentagon Federal Credit Union that they acknowledge receipt of on XX/XX/2021. As of today, XX/XX/2021, they have not credited to the payment to the account.
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (OH)

On Friday XX/XX/2020, I transferred {$400.00} USD from my XXXX  's Checking account to Gemini. 

When I went to purchase a digital asset with the funds, an additional {$400.00} was withdrawn from my checking account. I emailed technical support to inform them but left open the possibility that I could have inadvertently been to blame. 

On XX/XX/2020 I went to spend the ( unauthorized ) {$400.00} by purchasing more digital assets. Again, they withdrew {$400.00} from my XXXX 's checking account instead. I emailed tech support again and they claimed there was no issue. 

I have now unlinked my checking account to prevent further unauthorized withdrawals. 

Now, long after my last {$400.00} has cleared their waiting period, I have the USD credited and shown on my account balance. However, when I go to purchase a digital asset, I am prompted to provide a bank account. They have illegally taken {$400.00} from me and technical support is not assisting.
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: AMERICAN EXPRESS COMPANY (CO)

I was trying to add money to my bluebird account and when I did it too much.They probably were suspecting me of fraud so they suspended me permanently and they did not provide me a reason why.I have over XXXX $ in that account and now I cant use it
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (UT)

XX/XX/XXXX, Experian, and XX/XX/XXXXhave not been responding to any of my disputes that I have sent over the last several months and that is against the law! I have not been notified or received any correspondence from them and I've been sending letters since XXXX of 2020. They are reporting serious errors on my credit file and they need to provide me with results!
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (VA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

XXXX XXXX is deceased and I ( XXXX XXXX executor of the estate ) have been trying to do a short sale on the the house since XXXX of 2020. I have XXXX XXXX with the Negotiators of PA working on the file. The bank, Select Portfolio Servicing, has been playing games the whole time. After an original offer of XXXX, We submitted a full price offer ( XXXX which is exactly what the XXXX came in at ) along with all of the supporting documentation. This updated offer and HUD was sent in the beginning of XXXX. The entire process keeps getting delayed because the bank does not give all of the missing items or required changes in one update. They will give one or 2 things which we do and send in, wait another 5 days for an answer then they will have more changes ( that could have all been given at one time ). The other issue is that the don't call or send any updates. you need to call in each time to find out what's going on with the file. this will significantly delay things unless you're calling in every day. The latest ridiculous change they came back with was to add the signers name for the LLC to the hud even though that's not how it will appear in the deed. the third problem with this company is you speak to a different person each time you call in and they don't give you accurate updates because they can't see all of the notes on the file. The way they are treating this file for a dead woman is atrocious. There asking price which matches the XXXX amount. there is no reason to delay this any further. All we are asking for is the approval on this file so I can close out my mothers estate and move on with my life and my grief.
Consumer complaint received 2023-02-28
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX 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 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Bay Equity LLC (CA)

Bay Equity -refinanced an existing loan previously held for 10 years with XXXX XXXX  XXXX with notissues. New loan executed with Bay Equity -first servicer was Bay Equitty LLC , XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ). Received notification XX/XX/XXXX changing servicer to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ). 
Another mailing notification went out XX/XX/XXXX that we received the wrong mailing and to disregard and we were staying with the current servicer. Bay Equity LLC. Loan number changed from XXXX to XXXX. 
Received another notification XX/XX/XXXX and then another on XX/XX/XXXX. Each mailing had different instructions on how to make payments. Which I made all three timely. 
Issue I made a payment on XX/XX/XXXX as soon as I had the correct address to send payment to and check cleared, I made another payment XX/XX/XXXX for XXXX payment and check cleared. 
I then made a third payment for XXXX on XXXX XXXX electronically once I finally got access to the account electronically. 
One of my payments was not applied. I would not file this complaint but, I have made so many calls without any response. They do not answer the phone nor call back to the customer service line. I have called numerous times ( XXXX ) and have only made contact once. This is how I finally got the electronic account set up. 
They are showing late payment to my account and check number XXXX cleared my bank on XXXX from my checking account at XXXX XXXX but, not applied to my home loan. I have never had this much difficulty with a company never responding and their website has no other way to contact them but the customer service line they don't answer.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (TX)

XXXX, XXXX, & Equifax continue to report an allege bankruptcy that they can not verify. XXXX indicated that the information has been removed and the courts state they do not verify bankruptcy. I would like the consumer agencies to turn over the documents they used to verify this bankruptcy immediately.
Consumer complaint received 2023-02-21
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: CBC Companies, Inc. (LA)

THIS agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX., XXXX,, LA XXXX
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

On ( XX/XX/21 ), I sent by certified mail ( receipt number : ( XXXX ), a request for convergent to provide me with proof and evidence of the debt they alleged I owed. In that same letter I also included my cease and desist instructions. 

After verified delivery of my letter ( via their office 's signature ), they proceeded to mail a simple bill on XX/XX/21 in an attempt to collect a debt, which is a violation of 15 USC 1692b ( 2 ), and is NOT considered a " validation of debt '' by any means. They may wish to familiarize themselves with what is required when validating a debt. I attached a list of the requirements to VALIDATE this alleged debt. 

Their office also proceeded to contact me after the delivery and acceptance of my certified letter. Contacting a person after a cease and desist can lead to serious trouble for their agency including damages of up to {$1000.00} per incident. I NEED THIS DELETED from my consumer report IMMEDIATELY.
Consumer complaint received 2024-05-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Credit Corp Solutions & XXXX XXXX are violating federal law and making excuses as to why they are doing so. 2 companies can not collect for the same debt. That is impossible. Both companies responded and provided the same billing statement for a national bank known as XXXXXXXX XXXX  which is insured under FDIC and does not incur any losses due to this insurance. What happened was fraud and these 2 companies continue their illegal acts by attempting to force me to pay them money they are not entitled too. I have a right to freely contract if I chose too and I dont want to do any business with these debt collector furthermore they have no authority to force me to pay this debt because they are not authorized to collect because they are not listed on any of the banks incorporation documents or bylaws as an interested party in their business practices. I have previously disputed these debts with the companies and they forwarded long statements with billing statements but no evidence from their company with their letterhead to indict I have a lawful obligation under color of law. Their policies and procedures do not override federal law and their claims will not withhold in a court of law. I now demand they cease all collection activities return this contract to the rightful owner so they can pursue further action if they choose necessary.
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: Experian Information Solutions Inc. (NJ)

I used the lender XXXX XXXX XXXX  in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. XXXX XXXX took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX XXXX XXXX illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, XXXX, XXXX, and Experian. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and Credit acceptance. For every incorrect and inaccurate reporting. Under the laws of Arizona, UCC Article 6 47-9601-47-9628, most notable 47-9623 and 9625, and State RISA and MIVSA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (TX)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX TX XXXX there should be no other information listed on my consumer file. Equifax keeps stalling my complaint by requesting my identification and social security card but each time I have attached this information to the complaint. This is my final attempt to get you to remove this information.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX Halstedfinan Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Halstedfinan Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted XXXX and explained to them that my name is not correct on my XXXX. One name that is on my credit report as the same name as a person who lives close to me from Florida. I had to go threw a lot to get all his matter that was on my report off my report. And the other name on there, is wanted for XXXX, and I am always getting asked if I am that person. My name is XXXX XXXX XXXX XXXX, it shows this on my dr lic and it shows it like this on my birth certificate. I contacted XXXX 2 times in the month of XX/XX/2020, and explain this to them, both times I was told everything was off, and just my name appears on their. But when I go on line, I see different. So the second person I asked him to send me a copy of my XXXX  credit report. And just like it was on line, my info was still incorrect. I asked to speak to a supervisor multiple times, and keep being stuck in que on hold for hours. I just want my name and address correct, it is to much fraudulent things going on, and I am just trying to protect myself. And I should have only one address, Ive lived at this address for over 40 years. Sorry for this, but I cant reach out to XXXX, their customer service is horrible.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

Ocwen Loan Servicing was my mortgage servicing company. The mortgage was transferred to PHH Loan Servicing Company ( who merged with Ocwen ). Ocwen and PHH Mortgage are being sued by 33 Attorney Generals for allegedly charging unlawful servicing fees to their borrowers. I have approximately {$5000.00} in fees and other charges assessed on my mortgage. I have been late in the past due to a medical issue and a divorce, however, my home was never in foreclosure stage, nor my payments over 90 days late. 

In XXXX, my mortgage was transferred to PHH at the rate of 5.06 % and an original amount of {$150000.00}. PHH notified the credit bureau that my loan was modified and my credit rating dropped 70 %. This loan was modified in XXXX, 2008, for {$150000.00}. Somewhere between PHH and Ocwen, the loan went from a 30-year mortgage to a 45-year mortgage, unbeknownst to me ( with no balloon payment per customer service ). PHH has sent me a copy of the Modification Agreement. Now, after 13 years of paying this mortgage of approximately {$1000.00} monthly, PHH states that I still owe {$140000.00}. I am a victim of Predatory Lending by Ocwen and now PHH from XXXX-present.