davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-05
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: CBC Companies, Inc. (FL)

Spoke to the owner - informed him about the hard inquiries and explain that he only ran my credit one time. I explained that their are 17+ hard inquiries, he said he will call be back. I left him a message, that I wanted a refunded for his services and to remove those inquiries since I didn't give them any consent.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (PA)

Sometime in XXXX - XX/XX/XXXX - I entered an agreement with American Express one of their affiliates and/or a representative authorized to collect a debt on their behalf. The agreement required me to pay {$530.00} ( 60 % ) of the outstanding balance of {$810.00} owed on account ending XXXX. 

American Express representative took payment information " check by phone '' and assured me that American Express would notify major credit bureaus ; XXXX, XXXX  and XXXX  that this particular account has been settled as paid in full. The check # XXXX was remitted over the phone for {$530.00}, reviewed and confirmed. The payment cleared my bank account and electronically transferred to " Account XXXX AMEX Escrow ITF Account ''. My checking account was reduced by this amount, {$530.00}. 

I requested multiple investigations with the above mentioned credit bureaus, some on XX/XX/XXXX, XX/XX/XXXX and later. A few more as recently as XX/XX/XXXX because American Express has fraudulently reported the entire balance of {$810.00} as outstanding in spite of our agreement. It had been my understanding that American Express, its collection employees/affiliates and/or third parties were acting in good faith when they entered an agreement with me on XX/XX/XXXX. Furthermore, it was my understanding that American Express would honor their agreement. 

As of XX/XX/XXXX, I can see two of the credit bureaus - XXXX and XXXX  - reporting a balance for this account ending in an amount of {$810.00} in spite of our agreement. 

I feel violated and taken advantage of by this company. I also feel that the company used an " offer '' to entice me into making a payment with no intent to report accurate information to the major credit bureaus as required by law.
Consumer complaint received 2023-01-17
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-05
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. (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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2020-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

Based on previous CFPB XXXX, Midwest Recovery systems stated to the CFPB that they would delete any entries and accounts pertaining to me as this is not my account and they were unable to verify in the legal time frame. Nor have I received any documentations.
Consumer complaint received 2023-01-05
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. (MI)

XXXXXXXX XXXX  HAS BROKEN THE LAW!!!!!! 

I am writing to dispute the inclusion of XXXX on my credit report. I provided evidence to the CFPB, including an XXXX  report, that this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible If the information presented in the complaint is inaccurate? This is ground for removal. According to 15 USC 1681 section 602A, I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account as late for any purpose.

The information on this account is not 100 % accurate, as required by the FCRA. The dates for " Date Opened '' and " Last Active '' are different with all three credit bureaus. I have provided proof of this in the attached XXXX report when I made the complaint. To make things more evident, I have also attached the entire complaint and company response along with the exact report that was attached to the initial complaint. 

I request that XXXX be removed from my credit report immediately, as they have not followed the proper procedures and have violated my consumer rights. I also want to note that I have not given written permission for XXXX to report anything to my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I was put on a forbearance program by my mortgage lender at the time XXXX. When the forbearance period had come to and end I was told that I would be put into a trial period of three months before I would be reinstated. I was also mailed this statement in a form of a letter. I made those payments, then I was told I had to go through three more trail payments. I made those payments on time or before its due dates as well. In between the beginning of the process my loan was transferred to worst possible Mortgage servicing company in the industry Loan Care. At the end pf this " trial period '' which I had gone through two times now, I was then told I was denied reinstatement  because I was supposed to have signed some paper that was delivered to my house but was never actually signed upon delivery, but left outside rather according to the tracking number ( which I don't have, they can provide that ). I was never told about any documents to sign at the beginning of this process. I had already signed everything that was needed with XXXX. Also I was already violated when I was made to go through the trial period for a second time because Loan Care was not ready to fluently continue with the process of which XXXX had already started with me.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (MA)

I had a business XXXX  account with Santander Bank. the XXXX  account was only used to hold rental property money, therefore very little activity took place with the account accept to deposit rent monies. Fraudulent activity started on the account XX/XX/XXXX through XX/XX/XXXX. I boarded a plane on XX/XX/XXXX for vacation for XXXX  days. Hence, I was not accessing/reviewing this account during that time, nor did the bank notify me during the time frame regarding any fraudulent activity. Within this time frame, the account was hacked and drained of all XXXX  XXXX I filed claims with the bank for reimbursement XX/XX/XXXX. & the account was shut down. The bank is stating that I didn't do timely filing. Their policy is XXXX business days once fraudulent activity starts. So they will not reimburse me for unauthorized epayments to XXXX and XXXX cards. I was reimbursed by XXXX and XXXX XXXX for unauthorized online payments that took place on XX/XX/XXXX. I did file a police report. I did try to speak with the fraud dept directly, but was told by the claims dept that it wasn't a fraud dept issue. It was a claim dept issue. Hence they wouldn't let me talk with the fraud dept. I did check my credit report and didn't see any fraudulent activity,. I never gave out my password, pin or ever used the debt card associated with the account.I also don't understand why timely filing applies to XXXX and XXXX but it didn't apply to XXXX or XXXX XXXX who settled their claims.
Consumer complaint received 2020-03-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (TX)

I have already filed a complaint against Caliber Home Loans # XXXX but again feel it is necessary to file another complaint for red-lining. In the 21st century in the year 2020, I sincerely believe this particular underwriter has worked relentlessly to find every reason under the sun to deny me due process for this loan approval and this is a discriminatory racially motivated action. I have worked tirelessly with Caliber Home Loans in an attempt to provide all of the requested documentation to comply with the underwriter 's stipulations for loan approval to no avail. After giving all documentation from the beginning of this second process to receive approval to move forward with the loan based on having 30 days of paycheck stubs and now in the tenth hour, she has again come back to the loan consultant with a final decision saying I could not use my current income to qualify for this loan and can only get approval with a co-signer. How can this be possible that current/future income can not be used is beyond belief. I was told that my past income could be used for the loan but not my current/future income and this makes no sense because my mortgage payments would be based on what I am receiving now not the past income. I need a detailed written explanation of why everything I did was further exacerbated to the point of denial. The impact of hardship that this company has placed on me can not adequately be explained. I am pregnant nearing delivery and the stress of all of this has had a direct impact on my health as well. I have spent unrecoverable money, have no current place to live at the end of XXXX, not to mention the time involved to go through this process is ridiculous. This company should be investigated for what is happening. How many others have experienced this type of treatment. I will not let this go and work just as hard to expose this type of process so others may not have this experience.
Consumer complaint received 2020-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT  MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-03-17
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. (NC)

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. Listed below It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I applied for and secured ( followed a hard credit inquiry ) a Business Advantage Customized Cash Rewards card from Bank of America, as part of opening a business checking account with their bank. 

Before applying and opening the accounts, I asked multiple representatives whether or not specific vendors would be eligible under their rewards categories, and they confirmed that vendors ( specifically, XXXX, XXXX, XXXX, and XXXX ). 

After spending XXXX days tracking down the XXXX codes to determine which category to select ( after opening the account ), I learned that these services are not eligible. 

Unfortunately, beyond Bank of America 's misleading sales practices, applying for an opening the account involved a hard inquiry into my credit, negatively affecting my score. This had a direct impact on my immediate ability to secure more favorable lending terms, which I was happy to experience if the bank had been honest about its product, but it wasn't. 

I have asked Bank of America to honor its agreement and add the codes to one of its rewards categories, but it has, to date, refused. It has also, to date, refused to do anything to provide an alternative method to ameliorate the situation.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On numerous occasions up to and including XX/XX/XXXX I have requested that the account be closed and the transactions not be paid. 

Unbeknownst to me, on or about XX/XX/XXXX and XX/XX/XXXX, over {$2500.00} was transferred from my personal account into the account that I repeatedly requested be closed. I will add that these accounts to and from which the funds were transferred were not linked, and the transfers were without my knowledge or consent, and therefore unauthorized. I am confident that a footprint of the account would substantiate my claims that these transfers were made by employees at the bank without my consent or knowledge. 

On XX/XX/XXXX, after no cooperation from the bank to honor my wishes, I was finally able to close my account. I have a recorded voicemail from my personal banker confirming such. 

Subsequent to the closing of my account, an employee and representative of Fifth Third XXXX XXXX, XXXX XXXX, instructed his assistant, XXXX, to reopen the account. I was made aware of this by another employee at the bank. How can an employee take it upon himself/herself to reopen an account when I instructed it be closed? Additionally, on XX/XX/XXXX, an inadvertent payroll deposit was allowed to be deposited to my closed account and the funds were kept and as of today have not been returned. 

When I reached out to XXXX he stated that well, mistakes were made but what was the damage? I can say with certainty that the damage is the {$2500.00} that they stole from me, as well as the additional {$620.00} in a payroll deposit also which was stolen and not returned. I have tried to resolve this with the bank directly by reaching out to the branch manager, XXXX, to no avail. Therefore, I ask that this please be addressed and this misconduct by the individuals employed by XXXX XXXX be looked into and see to it that my account be fully closed, and not reopened. Please also refund me the {$2500.00} in unauthorized transfers, as well as the {$620.00} deposit made on XX/XX/XXXX.
Consumer complaint received 2020-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Creditors Bureau Associates (GA)

I never received one bill saying that I owed {$50.00} to this medical office I've been trying to repair my credit and I look on my credit and see that I owe this bill which messed up my credit all up that I was trying to repair.. I get this on my credit report without even a notice in the mail or a phone call for years later which I don't understand why the medical office quit and call me or send me a letter itself saying that I only owed {$50.00} because that would be paid for years ago and now my credit is going to be messed up
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MO)

In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to XXXX CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to XXXX CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.
Consumer complaint received 2020-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/2020 I received an email from PAYPAL informing me that my account I have with them is being " Limited ''. PayPal uses the term " limited '' to mean that sanctions are being placed on my account restricting me from withdrawing or transferring or paying with any funds from my account. In my case that amount is {$5200.00}. They asked me to provide them with my Drivers License and to explain the nature of approximately a dozen transactions -- Which I did immediately. On XX/XX/2020 PayPal emailed my that they are placing an indefinite hold on my money. They gave me absolutely no reason for seizing my money. My account is approximately 2 years old. In my name with ALL correct information including an attached checking account. I have NEVER had a dispute or had a customer complaint. This money was to be used to pay my bills and feed my family. PayPal has committed an act of theft and fraud and I need this agencies help in securing what is rightfully and legally and lawfully mine.
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (AZ)

It said on my credit report Opened XX/XX/2019 I had collection opened with this company Paramount Recovery S for {$160.00} But not until last week was my credit impacted. I received no calls or anything from this company - now my credit is impacted tremendously by this false claim for collection. 

XXXX XXXX XXXX XXXX  XXXX  was the original creditor. We paid all medical  bills before as my credit was 800+ before this.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (KY)

by the name of ( XXXX XXXX ). 



On XX/XX/XXXX I then called the foreclosure attorney XXXX with XXXX XXXX XXXX XXXX, she stated that after our conversation she received confirmation from her client to proceed with the foreclosure and that she made one attempt to alert me of the foreclosure still moving forward but was not able to reach me and there fore my home was auctioned off with out no other publication and after I received confirmation from both Shellpoint and the attorneys handling the foreclosure.

In addition I am attaching the foreclosure publication documents I received on XX/XX/XXXX showing XXXX XXXX as the prior mortgage servicer named as the foreclosing mortgage servicer on record but as I stated and have attached the Serving transfer letter XXXX XXXX was no longer involved with my home as of XX/XX/XXXX. I believe my home was illegally foreclosed on and that Shellpoint and its investors and Trustees did not have the proper authority to foreclose on my home.
Consumer complaint received 2019-04-16
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. (PA)

On XX/XX/2019 I sent a letter of Method of Verification Request to Experian because they said they would no longer reinvestigate my claims.On XX/XX/2019 I received My Credit Report yet again from Experian with no changes to it and with the same comments.They did not do what I had requested in my letter I had sent by Law.I had previously sent them 3 letters and I had gotten the same results.They claim they verified everything yet I have not seen one single paper with my Signature on it or anything saying its my account who or when it was verified.They are not doing their jobs as they should be and making it harder on those of us who are trying to fix our credit.If you see the attached you will see what I mean.
Consumer complaint received 2022-12-13
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)

For the past 90 days, I have been trying to validate a debt with XXXX XXXX. I have not had a single response by phone, email or mail. This is a complete violation and extreme delay. I am losing out on time, money and opportunity due to the negligence of this collection agency. PLEASE SEE ATTACHED THE DEBT VALIDAITON REQUEST I SENT TO THE COLLECTION AGENCY OVER 45 DAYS AGO.