davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (MS)

XXXX XXXX XXXX XXXX account XXXX In accordance with the fair credit Reporting act XXXX  Account XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CADENCE BANCORPORATION (MS)

Dear Government Officer : I'm a customer of a cadence bank in Mississippi. From last XXXX. They changed the account policy. Start to charge me {$6.00} each month for maintaining the account. Although my my deposit never lower than {$250.00}. But they automatically classify my account into the group which needed to pay month fee. ( Earlier the policy is over {$50.00} ). And accoring to the manger, s own word they only mail a letter to inform this policy change, but for years they already no longer sended papaer based account details by mail but tell us to use the e-account to check account detail. In my opinion this is a kind of fraud to all the customers. Hope you can help them to correct this behaver. Thank you.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

We received fradulant purchases from Macys Credit card, the purchase was made XX/XX/2019 and as soon as we received the statement in XX/XX/XXXX due XX/XX/2019 we called and registered the fraudalant claim of 2 vaccumms totaling XXXX. Our account number was stolen and we had just activated the card. It would of been the first purchase. We then contacted our XXXX XXXX company and then all credit bureaus and they immediately flagged our accounts. They will be flagged for a year which means it will be difficult to open any new accounts. Also we had not had any credit purchases with a Macys card in several years. 
When they sent us a new card we made a decision not to activate. XX/XX/XXXX which was received today XX/XX/XXXX that we will be responsible for all purchases. The letter states we received benefit from the charges made in this account, the facts of the investigation did not support your claim. We are law abiding citizens and we did not make these charges. What are our rights and how can we Prove we did not make these purchases. Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (CA)

I have credit freeze on my accounts and and I recently got both a target credit card and a XXXX XXXX  card in the mail that I never applied for.. My wallet was stolen back in XXXX of this year and I froze everything because she has my ID my social security number and all of my credit cards. She has since opened a few new credit cards in my name and what really irritates me is that she's probably opening them over the phone, because she has my ID and I'm sure she looks nothing like me so she's not doing it in person I'm wondering why these stores are allowing her to open these when my credit is frozen? I have an active police report case number already too.
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (CA)

1. ) UNABLE TO PROVE BANKRUPTCY CASE # XXXX DATED XX/XX/1992 2. ) UNABLE TO PROVE THAT XXXX XXXX FUND PAID FOR THIS CREDIT CARD. 
3. ) UNABLE TO PROVE THAT CREDIT CARD PURCHASED PLANE TICKET UNDER OUR NAMES. 
4. ) THIS CREDIT WAS NEVER AUTHORIZED BY US. 
5. ) THEREFORE, THIS CREDIT CARD IS FRAUDULENTLY OPENED & USED.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I went to Bank of America to open a business account and a savings account in XXXX XXXX, FL ; to find that in their system someone had opened 2 accounts with my information in Texas. 

They requested an investigation which I complied with. Obviously, I never did a police report, because I wasn't even aware that this had went on. 

They did 2 fraud investigations and it was determined that it wasn't me. See attached letters from the bank 's fraud investigations.
Consumer complaint received 2020-01-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

Lakeview Loan Servicing/XXXX is a nightmare. I just filed a complaint against them a few months ago and was told that everything was straightened out and that I did not owe a payment until XX/XX/XXXX. This was an ongoing ordeal that I finally got resolved after months of phone calls, harassing letters and misinformation given by this company. 

They messed up our escrow, messed up our payments, sent several threatening, harassing letters, all the while telling us that it was being worked on and resolved. After filing a complaint with your organization, I was told that the escrow was fixed and that payments were applied correctly. I received my XXXX statement dated XX/XX/XXXX that clearly states that there is no past due amount and that my total amount due is {$820.00}. No late fees, no late payments, nothing behind at all. 

Today I received a certified letter from XXXX  telling me that I am three payments behind, counting XXXX ( which I do need to pay - the statement tells me I have until XX/XX/XXXX before it's considered late ). 

I am currently on the phone with XXXX, who of course, doesn't know what's going on and is telling me that all the payments that were fixed previously have been rolled back and now I am being assessed for XXXX, XXXX and XXXX and now my escrow amount is being listed at the original {$6400.00} that was in dispute and I was told was completely resolved. They are assessing me {$2500.00} in mortgage payments that again, I was told was fixed and assessed, leaving me with no past due payments, with a current payment due of {$820.00}. I want this company cited, fined, and forced to stand by their word when they tell someone that the issues are resolved. 

I received no phone call, no voice messages, no emails, no notification AT ALL that there was any kind of issue with my mortgage until this letter today, XX/XX/XXXX. I am beyond livid at this point. I can't just pull thousands of dollars out of my tail every time this company messes something up. Please help us resolve this issue with this horrible company.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting to investigate and remove all account which I listed in Identity Theft because I was victim and somebody stole my personal information. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Consumer complaint received 2023-05-15
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NJ)

On XX/XX/XXXX I received a collection letter from a XXXX Agency, giving me 60 days to respond to a {$210.00} past due balance. This was the first Notice i received from XXXX trying to collect a debt. One week later on XX/XX/XXXX, XXXX reported the collections to XXXX, dropping my credit score 60 points. 
The letter specifically stated, i had 60 days to respond, and yet, XXXX immediately placed it on my credit report, not giving me enough time to pay or respond. 

I called XXXX and asked them to delete from my credit report and I'll pay immediately. I was rudely treated, and they responded nasty to me. " It's your problem, you should pay your bills on time and XXXX will not remove this. '' I said, i would leave XXXX XXXX  other services, such as FIOS and My wife 's XXXX account, they said, " We don't care, we don't want customers like you. '' XXXX is treating me unfairly! They send me a collections notice on XX/XX/XXXX and report to the credit agency a week later. 

This is not part of the Fair Credit Act, This is verbal abuse, and abuse of credit reporting! I will pay XXXX in full, but they should delete it, because they gave me 60 day notice to pay. 

( Letter from Agency is attached )
Consumer complaint received 2023-05-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (FL)

Greetings, We had a claim since XXXX of XXXX with XXXX XXXX XXXX insurance for water damage which was paid for partial in XXXX and we as the homeowners did all the fixing of our home by using our own money and we hired an attorney to sue the insurance company. Now, in XXXX of XXXX we finally won the lawsuit and the settlement was sent with a letter of explanation to the mortgage company explaining that this was a settlement and that no adjusters worksheet is needed as they keep asking over and over again. This is the third time I had to make a complaint about this mortgage company for their abuse of practice and the way they treat us clients. I sent them the check endorsed and told them that we have used every single fund we had to fix our home and they can send an inspector to see that the house as no issue what so ever to verify that the house is in inpecable state. Instead they keep insisting on adjuster worksheet and adjuster bid for a closed claim since XXXX? Please help ; we are tired and stressed. I had to file bankruptcy due to lack of funds, and I need my money, but not theirs. 
Today, I just received another email from my attorney heree is the email date of loss XX/XX/XXXX Good morning, Please see the attached copy of the XXXX XXXXXXXX and signed release confirming the settlement amount. Please forward these documents to your mortgage company. 

Should you need any additional information, please feel free to contact our office. 

Thank you and have a great day. 

XXXX XXXX XXXX XXXXXXXX XXXX, Ive asked for an inspection and they have denied the inspection twiced and this is getting now ridiculous and unfair and unjust. I spent all of our savings to fix our home while we were in this lawsuit and yet this mortgage company is trying to make us suffer by basically stronghold us as hostage of our own fund. I want you CFPB to do your job step in and help us, they have received every single document they asked.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (CA)

In XX/XX/XXXX i was involved in the XXXX  data breach and in XX/XX/XXXX after seeing an alert from XXXX  I was a victim of identity theft. I also lost my wallet in Mid XXXX XXXXXXXX XXXX which caused further delays in getting a new drivers license and new debit and credit cards!! I did not find this information out until early XX/XX/XXXX at this time of course all of my accounts were compromised causing delays in payments Indigo mastercard attempted to retrieve payment and could not do so. Previous to this theft I closed this account and paid of this debt but the creditor stated that they do not take payment when authorized but can wait up to 3 weeks to collect funds during this time said identity theft took place I have filed a XXXX  complaint about the late payment that was reported on my credit I have not had a late payment in 3 years on any of my other credit cards. I have requested through multiple agencies for this to be removed without any success because the company continually states that there were insufficient funds in the account but this is not true funds were in the account but the account was compromised. XXXX  could not come to any resolution to this case. 


XXXX XXXX XXXX XXXX XXXX PROVIDES A SERVICE THAT MARKETS TRUST IN YOUR BUSINESS & BRAND This e-mail is to notify you that you currently have a new message with XXXX  in regards to complaint # XXXX.
Consumer complaint received 2022-11-12
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. (PA)

OLD PHONE NUMBERS AND OTHERS NEVER HAD Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) 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 an account without my written instructions.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent multiple complaints about accounts listed on my credit report that aren't mine. I have not yet received anything from the credit bureau stating they properly verified the accounts and how the accounts were verified. Anyone can respond " Yes this is accounts belong to this person '' but how are you verifying the information is accurate??? The credit bureau is obligated by law to assure the accounts they are reporting are accurate but they are not doing so. The accounts that I listed within my letter ( s ) are not mine. I've received responses stating they have verified the accounts are mine but I would like to know how are they verifying the accounts because, they aren't mine. I've requested time and time again for something with my signature but have not yet received anything.
Consumer complaint received 2023-12-30
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. (CA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXXXXXX XXXX Balance : {$4700.00}.
Consumer complaint received 2023-01-18
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. (NY)

account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-07
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. (OH)

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall releasing myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you. 
3.Cease any credit bureau reporting until the debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency