davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (IL)

TCF Bank, is unjustly withholding, for me, legally and legitimately deposited funds totaling {$35000.00} : - officially, advised in the form of a letter, {$19000.00} - unofficially/verbally, {$15000.00} On XX/XX/2020, I received 2 ACH deposits in the amounts of {$4200.00} and {$15000.00}. These funds come to my TCF personal account, as they have for almost 2 years, from my XXXX ( credit card merchant ) account. 

I went into the branch to wire the available funds to my investment brokerage account. After an hour of them fumbling around, they got everything processed. 2 hours later I get a phone call from the branch saying the wire department did not complete the wire, because the available funds were made unavailable due to a hold. 

When I began to probe about the " hold '', I was told that the incoming ACH indicated the name of XXXX XXXX XXXX XXXX XXXX XXXX '' and because the name on my account is " XXXX XXXX '', this deposit was deemed questionable because of a " name mismatch ''. Conceptually, I understand this. But logically, I do not, as this has been going on for years. 

When I asked what's next, they said they needed to contact XXXX 's internal department and " verify the deposit ''. When I asked what does that mean, I never really received a straight answer. But what I gathered is that they wanted to make sure that this deposit wasn't fraudulent, nor a mistake, and that the deposit was intended for THIS account. Again, conceptually, I understand, but logically I do not because all they had to do was look at the last 6 months of records. 

In the meantime, I contact XXXX  and updated the name to reflect " XXXX XXXX '' from " XXXX XXXX XXXX XXXX XXXX '' XXXX  is a online e-commerce based merchant. Everything they do is by email basically. TCF is asking for a callback or a letter and XXXX is telling me, " No, we don't do that. Provide them this 'Whitelist Code ' and they should be fine. '' TCF has threatened to hold $ XXXX of my money for up to 12 months. That's asinine, not to mention impractical. I can't make XXXX   call TCF and I cant force TCF to take the documentation and proof that XXXX  has given me. So I'm stuck in the middle of 2 stubborn institutions while my revenue is hanging in the balance and I'm missing income opportunities as well as the fact that I have 2 real estate deals that I'm closing on XX/XX/XXXX that will be delayed or possibly even lost if I don't have these funds I needed to wire.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX, XXXX, XXXX To whom it may concern : On XXXX the XXXX, of XXXX, I entered a General Denial/Response to the County Court of XXXX XXXX, Texas in XXXX XXXX , XXXX concerning case # XXXX in reference to the lawsuit brought forth by Capital One and now being falsely reported as a debt by their collections company, XXXX XXXX XXXX, XXXX. Since then the statue of limitations has run out but XXXX continues its shennanigans of reporting fraudulent information for the purpose of trying to extend a statue of limitations that has already runout and to fraudently report an alleged debt that neither exists nor is valid. I have attempted to contact both Capital One and XXXX XXXX via certified mail and telephonically as well as all credit agencies namely the following : XXXX, XXXX, XXXX  and XXXX  but their hands are tied. They are claiming that nothing can be done until XXXX reports otherwise. 

It is now that I am asking CFPB to do the right thing and help give me some much needed respite to these Credit Bullies! Your attention and detail to this matter would be greatly appreciated. 

Sincerely, XXXX XXXX egrieged credit customer
Consumer complaint received 2020-01-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I used the mortgage loan with Loancare company asking me to buy HO6 insurance. I used the same HOA insurance more than 10 years. I never changed the loan and the previous lender did not ask the additional insurance such as HO6 since I rented the property for 10 years. I double check my HOS confirming the current insurance covering the wall to wall structure. Please have them correct the insurance status and not forcing the redundant insurance for the consumer finance mortgage. Please contact me if yo have any question at XXXX. Regards, XXXX XXXX.
Consumer complaint received 2018-03-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (GA)

On XX/XX/XXXX I was contacted by XXXX XXXX ( NMLS # XXXX, State License # XXXX ) of Caliber Home Loans of XXXX Georgia to inquire about loan products offered by his company. On XX/XX/XXXX, after gathering all necessary information, I was prequalified for a loan to buy a home ( however I did not receive my prequalification letter until XX/XX/XXXX ). Between XX/XX/XXXX through the end of XX/XX/XXXX, XXXX XXXX and I remained in contact as I inquired about and was updated on the status of my loan application. On many occasions I was assured by XXXX XXXX that the progression of my application was positive. Relying upon this information I retained a realtor and began the process of looking for a home. On XX/XX/XXXX XXXX XXXX emailed me to inquire about my search for a home and to get my realtors information. By mid XXXX I had found a home I desired to put an offer on. I ( through my realtor ) reached out to XXXX XXXX to inform him and to inquire about the status of my loan. I was assured that with his " decades '' of experience my loan would close quickly. At no time prior to or during this process was I informed or advised of any adverse issues related to my loan. On XX/XX/XXXX my realtor emailed XXXX XXXX to inform him of our intent to enter into contract on a desired property. Still, there was no word from XXXX XXXX on any pending or potential adverse action related to my loan. On XX/XX/XXXX I entered into contract to buy a property. On XX/XX/XXXX, a copy of the executed contract was emailed to XXXX XXXX by my realtor. On XX/XX/XXXX XXXX XXXX emailed me of possible loan structuring options available to me. On XX/XX/XXXX during a phone conversation I requested the boiler plate terms and conditions for loan products offered by XXXX XXXX 's company, along with the terms of my specific loan, in writing. At that point XXXX XXXX became aggressive and combative on the phone, but assured me he would have the information I requested emailed to me the following day. On XX/XX/XXXX XXXX XXXX called to inform me my loan had been denied. When I inquired as to why, he stated reasons that could have been ascertained during our initial conversations in XXXX, XXXX. He then failed to provide me with an adverse action letter, only doing so after I threatened to file a claim with this bureau and the XXXX. XXXX XXXX 's gross negligence caused me the loss of my earnest money in particular, and my faith in the lending industry in general.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WI)

In late XX/XX/2022, I was looking into purchasing a new XXXX phone from their store using their XXXX XXXX ' service, which allows you to finance the purchase of a new phone. As part of that process, I was approved for a {$600.00} dollar XXXX Synchrony credit line. Because the phone was more expensive on the XXXX store than I'd anticipated, I decided to check the internal store for the phone carrier service I have with XXXX called XXXX XXXX. 

I've been a customer of XXXX XXXX for many years. It's a phone XXXX like XXXX XXXX XXXX or XXXX. Inside its app, it features a store for buying new phones and upgrades. The same phone I wanted to purchase through XXXX 's site was available on the XXXX XXXX store for {$590.00} due to a customer loyalty sale. My XXXX credit line is {$600.00}, so I looked into purchasing the phone through the XXXX XXXX store, using my {$600.00} credit line. After several days of ineffective customer support, they eventually told me that I could not use a XXXX credit line to make a purchase from XXXX in the XXXX XXXX store. I would have to use it to buy an unlocked phone from their main store. I can't think of meaningful legal justification for denying me the right to use that credit line to purchase literally the same hardware from XXXX on their XXXX XXXX store as opposed to their main store. 

They've issued me a line of credit but are telling me its only good for use on their products in very limited venues. One of those venues is apparently not the store for its long-time mobile customers. Instead, it seems to be a ploy to solely attract new retail customers who may or may not use XXXX XXXX at all.
Consumer complaint received 2020-03-11
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. (OH)

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. 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 from third parties. I do not recall giving permission to use my information to a third party for the following accounts : 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 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 information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Back in XX/XX/2018 I file a complain against Select Portfolio Serving., inc. I explained the situation " Select Portfolio Servicing, Inc. ( SPS ) T is calling us saying that they are ready to send our mortage loan to a lawyer and telling us that they are going to sale our house. We refinance our home back in XXXX of XXXX with a company that closed it doors and transfered our loan to multiple companies in between. We have a current mortage company. Select Portfolio Servicing, Inc. ( SPS ) bougth a loan from XXXX that was paid in full by a company that closed it doors. We have a deed of Trust that show that was returned to us and we transferred to our current mortage company. We have multiple legal documents that show that the mortagage that they are claiming is paid in full. I keep talking to them to prove that the loan was paid in full. The loan was transferred to XXXX XXXX XXXX XXXX and they sold my property in an auction. I know in fact that I paid that loan in full. I don't have a place to go and I can get a new place since their company ruined my credit for many years. I want my house back because I have a home mortgage that I been paying for years to keep my home. This situation could be avoid if they listen and open an investigation on our case years ago.
Consumer complaint received 2023-01-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (MO)

Spire Recovery solutions has been calling me to collect a debt but will not verify who they are working for unless i verify my personal information over the phone. I have contacted them letting them know to ONLY contact me via certified mail, they responded again asking my to verify my social security number. they have also been contacting my sister and my aunt. I am not sure where they have gotten their information but this is harassment. They are asking my family members for my personal information and bombarding them with calls as well as myself. I told them if they did not oblige by my request to only be contacted via mail that I would report them. They say they can not send me mail until I verify my ss # through phone or email. I need this to stop.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

I have contacted chime about fraud charges on my account. For example : I filed a claim at XXXX and by XXXX the claim is denied. They are Not fully investigating these charges to replace customers money. I have went over all transactions with my XXXX to validate what was mine and what was fraud. I had theft as well as identity fraud and I have reported it to them and they still refuse to fully investigate.
Consumer complaint received 2020-03-11
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 unverified information. 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 from third parties. I do not recall giving permission to use my information to a third party for the following accounts : 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 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 information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
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: Credit Systems International, Inc. (TX)

Credit Systems international has continued to report false and inaacurate information on all three of my credit reports. They have been unable to validate the debt but continue to report this false information. 

I will be filing criminal charges against them as well as seeking legal remedies for conspiracy to commit fraud.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NJ)

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS  complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be XXXX  out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning AMERICAN EXPRESS COMPANY and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

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 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 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 XXXX XXXX 

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.