davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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: CBC Companies, Inc. (CA)

It has come to our attention that XXXX XXXX XXXX has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. 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 Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an XXXX 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.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I applied for several line increase for both of my credit cards and was denied multiple times for the same reasons as stated below : Your average monthly payment has been too low I have spoke to several customer service representatives that have reviewed my payment history and they agree that my monthly payments are well above the payment requirement of {$25.00} per month. 

I make payments of {$150.00}, {$700.00}. {$400.00} {$250.00} etc. My payment history will provide proof. I recently applied and was decline again for 2 different recents.

Your average monthly payment has been too low Recent use of this accounts existing credit line has been too high I was told that the system generates the letters and it was nothing they could do. The system is incorrectly reporting my monthly payments and I'm been denied credit the credit card company says they can't correct their system.

In the past I only had to make ( 5 ) minimum payments of {$25.00} to get an automatic credit line increase. I have been denied a credit line increase for over 1 yr although my monthly payments are well above the minimum payment of {$25.00} per month.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

According to my understanding of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy reporting process, it has come to my attention that bankruptcy courts do not directly report bankruptcy filings to credit reporting agencies. 

As a diligent consumer, I have taken the necessary steps to review my credit report, and I was surprised to find a bankruptcy entry listed on it. I have thoroughly researched the bankruptcy reporting process and found that it is the responsibility of creditors, not the bankruptcy courts, to report bankruptcy information to credit reporting agencies. The bankruptcy courts themselves do not provide such information directly to credit reporting agencies. 

Given this information, I kindly request that you investigate the validity of the bankruptcy entry on my consumer report and provide a detailed explanation of its source. If the source is a bankruptcy court, I would appreciate evidence of the court 's reporting to credit reporting agencies, as this would be contrary to my understanding of the process.
Consumer complaint received 2019-11-22
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

This complaint is in response to an issue I have encountered with Equifax today ( XXXX XXXX, 2017 ) : I was notified by my credit card company that my Equifax account was frozen and that they were unable to pull my report. Since I had not requested the freeze on my account, I called Equifax. After giving the representative, my name, address, social security number, my credit card names and limits, and my previous addresses, the representative verified my identity, and explained that my account was on hold because I had changed my name earlier in the year. The Equifax representative explained that the hold could be removed once I faxed a copy of my Social Security Card and Driver 's License. 
After all of the issues Equifax has had with data security, I do not feel comfortable sending photocopies of my Social Security Card and Driver 's License. I understand that Equifax already has my Social Security Number and Driver 's license number, yet they do not have photo copies the physical cards. I refused to submit this data to Equifax as I had already verbally giving them all the data necessary to validate my identity. I have also changed my name with every account that reports my credit to Equifax. 
The conversation ended with the Equifax Representative stating that my credit report will be on hold until I submit the requested photo copies. 

Here are some salient facts : Equifax 's data security can not be trusted. 
Equifax is asking for photo copies of my SS card and DL, even though I had already verified my identity with security questions and my credit card companies. 
I did not choose to have my information sent to Equifax. The credit card company utilizes their services. 
Equifax is holding my credit history hostage until I release more data to them that they can potentially lose to hackers.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/ I called golden 1 CU to request a stopped ach payment to XXXX due to fraudulent loan and customer service stated theyre fees which find with me as long no stopped will be in place for all future transactions and received a letter from golden1 to sign the documents to stop ach payment in which i returned in mail. But to my surprise on XX/XX/23 I received email from golden1 of my account overdrawn. I have an unauthorized ach payment of {$430.00} taken from my account so I called golden1 cu  customer service and spoke to specialist stating that there was no stopped payment done and they can not accept ach stop payment and need to speak with 3rd party regarding this, told her the situation until she suggested to file dispute then called XXXX and my account was closed but I will not get my money back since I need to payback XXXX. Now my account is in negative balance because of this overdrawn. Golden1 representative stated they dont do stopped payment at all.
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (PA)

Judging by XXXX results, XXXX is the phone number for Allied Interstate LLC, and they seem to be very notorious for harassing individuals, and wanting personal information, as was the case today. They have called me three times today : first time was at XXXX, second time was at XXXX, and the third time was XXXX EST. After the second call I told them to take my number out of their system. I cleaned up my past due debts - paid well over 5,000 $ and I know I do not owe anything else above and beyond what's already on my credit report. I asked the individual on the phone to confirm what this call is in regards to and he kept wanting to get more personal information. I couldn't even understand the guy, and apparently there was a language barrier as apparently he couldn't understand what stop calling means. 

XXXX XXXX XXXXXXXX The above link makes me even more concerned.
Consumer complaint received 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

As of XXXX I called to verify what information is needed. I was told they bank account number clarification which was told to my relationship manager on XXXX. I stated that the account number ending in XXXX was the same account ending in XXXX which reflect on multiple documents sent several times. As of today I received another electronic letter asking for more banks statements which have I provided. The letter is not specific to which additional account history they are needing and I am the only consumer they should be concerned with. I feel they are being too invasive and not acting on a loan modification workout plan. My consumer rights are being severely impacted, they are asking for other peoples personal information ( not on the loan ) that I can't provide. I am entitled to a loan modification review and they keep stalling in redundancies. My renters have no banks statements no bank account information I can share. I uploaded and emailed my stock account and explained I am doing credit card advances/borrowing money to make ends meet until a solution arises. I told them my hours wages vs debt owed to include utilities, cost of living etc. Which also reflect on the shared branching institution deposits. On XXXX XXXX I received a call XXXX who received the CFPB complaint and she said they have until XXXX to finalize a modification.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently upheld timely payments on this account, never allowing them to become overdue. The reports of late payment remarks on my accounts are unclear to me, especially considering 15 USC 1666b - Billing Error guidelines.
Consumer complaint received 2023-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

On XXXX, I completed a Home Affordable Modification Agreement with Wells Fargo. On XX/XX/2023, I tried to refinance my mortgage with the cash out, and was told that HUD has a lien on my property, To date, I have NEVER received a bill for this transaction. It does not show up on my credit report. Please help
Consumer complaint received 2023-03-02
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. (DC)

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, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX, line of credit 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 2017-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: C&F MORTGAGE CORPORATION (VA)

Please attached to complaints filed on XX/XX/2017. Complaint No ( s ). : XXXX ( XXXX ) and XXXX ( XXXX XXXX XXXX  ). Document will be notarized.
Consumer complaint received 2019-09-11
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: National Credit Systems,Inc. (TX)

I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is national credit systems Account number XXXX National credit systems Account number XXXX based out of XXXX Georgia Address XXXX XXXX  XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WV)

Altering of my original loan contract set up which is a sign contract that is being altered against my wishes with it 's biweekly payment with Ditech Financial LLC who purchased it from Green Tree who got it from other lenders! 

acc # XXXX with them The contract that Ditech purchased was set up with a biweekly contract which is now trying to be altered. If my thought is correct it is against the law to alter the signed contract of a loan. If you can show me how it is legal then I would appreciate the evidence. Also we went through this before when Green Tree had switched over. They did n't even offer biweekly but ended up honoring it in the end. Now Ditech says it is not what they will do any longer for it. Please advise quickly. Sorry for any errors or confusing statements, because I am still on a 1 hr+ call with them bouncing from department to department and no one has a clue why I was sent to them. " No one can handle the situation just mail a letter and hope we receive it to help '' Thank you in advance, XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked that transunion, XXXX, and XXXX delete and remove inaccurate information from my credit report they are showing third parties on my credit report that are attempting to collect a debt that I had No binding contract or agreement with on behalf of the original creditors. Original creditors are XXXX XXXX  XXXX that I had a contract with not XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX contact number is XXXX also known as XXXX XXXX. Other said account that I have no binding contract with is XXXX XXXX  located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX contact number is ( XXXX ) XXXX original creditor was XXXX XXXX.I demand these said accounts be removed from my credit report due to inaccuracies I have, nor had any association with the following third party businesses nor did I have a binding contract with the said stated third party businesses and they were not granted permission to any of my credit reports or credit files by me instead its was through the original creditors in attempt to collect a debt. By law they are not allowed to access or report any information pertaining to the original accounts without a binding contract these are third parties instead of the original creditors that I did have a contract with I demand these accounts be removed from my credit reports with all three credit bureaus XXXX, transunion, and XXXX immediately
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (SC)

XX/XX/2021, {$400.00}, {$620.00}, {$800.00}, {$920.00} I HAVE BEEN CONSTANTLY ASKING WORLD FINANCE CORPORATION NUMEROUSLY TIMES TO REMOVE THE FOLLOWING CHARGED OFF ACCOUNT FROM MY CONSUMER REPORT ; THEY WILLFULLY NEGLECT THE AUTHORITY TO DO SO. VIOLATING THE LAW PURSUANT TO 15 USC 1681a 2 ( A ) ( i ) & REPORTING TRANSACTIONS AND EXPERIENCE BETWEEN ME AND CREDITOR WHEN SUCH TRANSACTION DOES NOT INCLUDE ACCORDING TO ANY- section 1681s-3 - ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; WORLD FINANCE CORP IS IN VIOLATION OF NUMEROUS FEDERAL STATUES BY REPORTING A CHARGE OFF ACCOUNT ON A DEBT THAT HAS ALREADY BEEN PAID, WORLD FINANCE CORP IS DEALING IN MONOPLIES WITH SECURITIES, WORLD FINANCE CORP IS COLLECTING TRYING TO COLLECT ON A DEBT REPORTING DIFFERENT AMOUNTS TO EACH CONSUMER CREDIT BURUEA, WORLD FINANCE HAS CAUSED ME MENTAL AGUISH, ECONOMIC DAMAGE, NON-ECONOMICAL DAMAGES, EMOTIONAL DISTRESS, AND DEFAMATION OF CHARACTER BY REPORTING INACCURATE INFORMATION IMPAIRING THE FINANCIAL INDUSTRY. EACH MONTH THE VALUE CONTINUES TO RISE ON THIS CHARGE OFF ACCOUNT.
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (MD)

Cedar Business Services LLC is claiming that I owe them {$5900.00}. Have requested multiple times that they provide me with the details, who authorized this transaction, whom it was paid, any written authorization these transactions in their possession. All the receipts, statements, agreements any other record pertaining these transaction. So far they have failed to provide anything related to this.
Consumer complaint received 2022-09-25
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. XXXX I have a right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

As a XXXX XXXX, I receive funds for XXXX XXXX. A customer paid with certified funds which the bank informed me the certified funds was counterfeit, I filed a police report which provide all information about the client that issued the fraudulent form of payment for work rendered. 

After that I conformed to pre paid cards to avoid such situations. 

I went from being an XXXX XXXX to having my XXXX XXXX. Todyay I tried to open an business account and was informed that the situation I thought was handle in 2014 was not
Consumer complaint received 2019-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

XX/XX/XXXX : I emailed customer service asking if there was an upload function for submitting IBR documents, which were due by XX/XX/XXXX. 

XX/XX/XXXX : Customer service representative XXXX replied, instructing me to reply to the email with attached documents. 

XX/XX/XXXX : I did as I was instructed in order to have my documents submitted and processed well before the deadline. 

XX/XX/XXXX : I was charged standard repayment amount, which was autodrafted. 
Interest was also recapitalized, adding {$13000.00} to my total. 

XX/XX/XXXX : Called customer service and spoke with XXXX. I explained that documents had been sent in XXXX as instructed by a representative of AES. XXXX instructed me to re-send the documents to XXXX as before. 

XX/XX/XXXX : Sent all necessary documents again to the email address given. 

XX/XX/XXXX : Called customer service to confirm receipt of email, spoke with representative XXXX. I was told email attachments were unsuitable and that I should mail everything in. Representative apologized for the misinformation I was given on multiple occasions and suggested that I request in writing expedited processing and a correction of the payments and recapitalization. 

XX/XX/XXXX : I mailed hard copies of all necessary paperwork to the address provided, along with a hand written copy of this timeline, copies also attached. Requested expedited processing of paperwork, as well as correction of my XX/XX/XXXX and subsequent payment and a reversal of capitalized interest. Never received any acknowledgment of request. 

XX/XX/XXXX : Called customer service again and asked for escalation. Spoke with XXXX, who expressed his confidence that the capitalization would be reversed. He asked for 4 weeks to investigate and find a solution. 

XX/XX/XXXX : After leaving a couple follow-up voicemails, XXXX called and informed me that my case had been rejected. He kindly commiserated with me, but told me the only thing left to do was write an appeal.
Consumer complaint received 2022-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Collection was placed on my credit in error. This collection is fraudulent. I have been trying to remove it for months. This collection has not been investigated. I need this to be deleted.