davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-10-05
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

good morning Yesterday, XXXX / XX/XX/2019, through XXXX, I get the notification, that a bank makes an inquiry to my credit, without my consent. 

The bank is XXXX XXXX in XXXX
Consumer complaint received 2022-10-05
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$7100.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; 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 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 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 DEPT OF ED 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
Consumer complaint received 2024-04-30
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. (TX)

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

Account : XXXX Account Number : XXXX Account : XXXX Account Number XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand this account be deleted from my consumer report. 

Best regards
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (KY)

We originally had a mortgage with XXXX XXXX. After COVID19 we did a forbearance with XXXX XXXX. 
It was then sold to Roundpoint. While with Roundpoint we did a forbearance due to COVID19 with them. We never signed any paperwork like we did with XXXX XXXX for the forbearance. Our Mortgage has now been sold to XXXX. 
After the loan was sold to XXXX, we learned that Roundpoint did a loan modification. I never signed any paperwork with Roundpoint approving this loan modification. My loan is now more than what I paid for the house in 2017. I have been trying for almost a year now to reach someone at Roundpoint for paperwork about this Loan modification and no one will return my calls or answer me. I am needing help and I don't know where to turn! 
Because of this loan modification they did I am stuck with PMI on my house that we should of been able to have removed by now. 
Can someone please help me or please tell me who I should reach out to. 

I do not know what paperwork or forms you would need from us but if someone could reach out to me I will be happy to send you what I have. Again, I have our forbearance papers from XXXX XXXX but nothing from Roundpoint other than our statements.
Consumer complaint received 2020-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Tried to pay monthly mortgage at bayview mortgage online, for 2nd time at XXXX XXXX on XX/XX/2020. Attached is the screenshot of response from company online at that time. Payment was not able to be completed.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My student loan account with XXXX was automatically placed in forbearance many times over the years. I was on an income based repayment plan with a monthly payment of {$0.00}. XXXX continues to switch my account to forbearance so that they can collect interest on the principal. During the month of XXXX XXXX and XXXX 2021 they issued a forbearance on the Income Based Repayment plan and reported my account delinquent to the credit bureaus. The student loan is inaccurately being reported as 6 separate accounts, therefore there are 18 delinquencies on my credit report in this 3 month period. 
Furthermore, the account was never delinquent. It was on an income based repayment plan, and through deception was placed in forbearance. During the forbearance, the account is being reported 150days past due, 18 times. Therefore my credit score dropped XXXX points for 18 payments 150 days past due. 
Again, there was only 1 monthly payment and the amount was {$0.00}. XXXX granted a forbearance during the affected period XXXX XXXX and XXXX 2021, yet still continues to report my account delinquent. I have contacted XXXX  and requested documentation to support their claim that I requested a forbearance and that I was told my account would be reported late. There has been no response in the past 3 months. I have disputed with all 3 credit bureaus and XXXX continues to insist that the information being reported is accurate.
Consumer complaint received 2022-10-05
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$7100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$24000.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 DEPT OF ED 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
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OK)

I received payment for work I did in my PayPal account at the address, XXXX. They have placed a hold on the money for no reason. They have stolen my money. I have no access to my money. I demand the immediate ability to transfer my money as I see fit. They need to give me my money.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumer credit reports indicated a negative mortgage payment history when there was none. The consumer made 100 % of payments on-time as agreed. XXXX XXXX XXXX reports of {$300000.00} credit balance are inaccurate without necessary calculations for accepting a forthcoming loan modification application.
Consumer complaint received 2017-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NC)

This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Columbia Debt Recovery LLC, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. 

Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. 

Again, my attorney has sent Columbia Debt Recover/Genesis certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX  speaker system, cleaning fees, etc. which were are fees that I do not owe. 

I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. 

I've also attached my XXXX  scores to include XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX XXXX XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX XXXX score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

Consumer credit reports indicated a negative mortgage payment history when there was none. The consumer made 100 % of payments on-time as agreed. Freedom Mortgage Companies reports of {$300000.00} credit balance are inaccurate without necessary calculations for accepting a forthcoming loan modification application.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have a negative balance with capital one that is restricted but not closed out. It states on capital One checking account disclosure that if an account is in negative for over XXXX  days it will be closed. But Capital One did not close out the account instead it's restricted. The reason I want Capital One to close out my negative balance which they are stating I still owe them is because I am on XXXX XXXX, and I have to send statements every year to them which is a real hassle. I do believe what Capital One is doing is illegal and this should impose a cfpb fine.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (NJ)

The disputed accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no answer were ever received from you to date. Thus, your action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reporting of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are need to be corrected in my file immediately XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX RETAIL Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX ; XXXX XXXX Bankruptcy Case Number : XXXX
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (CT)

On XX/XX/XXXX, I attempted to open an account with Vio Bank at www.viobank.com. I received a notice that my account was opened successfully and that two trial deposit amounts would be put into my existing bank account and I needed to confirm the amounts of the small deposits. Nothing was ever deposited into my existing bank account. I contacted Vio Bank customer service on XX/XX/XXXX and was told that my existing bank refused the deposits and that I needed to open a new account at viobank to try again. Customer service said they could not open an account over the phone. I then submitted a second account request and received a notice of adverse action. My husband and I contacted customer service for VioBank again via phone and was told they can not tell me why my second application was denied. They said it was not credit based, but likely something in my application did not match their databases. I do not understand what did not match in XXXX that matched in XXXX. How can I possibly address this without any further information why I'm being denied? This isn't a credit application, this is for me to be able to deposit my money in their bank. This is nonsensical to be denied access to open a deposit account without any explanation or clarity. This process is denying access to the XXXX and anyone who is not clairvoyant.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I just recently looked at my credit report on XX/XX/XXXX, I saw some late payments on XX/XX/XXXX and XX/XX/XXXX there were suppose to be on time. Me and the creditor talked about " I wouldn't marked late because I had things going on because of the pandemic. I sent a letter to XXXX, Equifax, and XXXX to get this fix but they still said everything is reporting correctly. But it's not being reported correctly, and is a violation of FCRA 15 U.S. Code 1681 ( a ) ( 1 ). Can you help with this important matter. Thank you in advance!!!
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (PA)

In XXXX of XXXX I refinanced my XXXX XXXX XXXX from Bridgecrest to a new lender. I was not aware that time but my GAP insurance was cancelled and I was owed a refund of {$640.00}. At that time Bridgecrest did not advise me of this. For an entire year they withheld the {$640.00} after my loan was no longer with them. Finally in XXXX of XXXX I received a letter indicating that if I would like to receive my GAP insurance refund I had to sign and submit the attached request. I did that and the request was processed by XXXX XXXX on XX/XX/XXXX. Last week I contacted XXXX XXXX via e-mail because it appeared that had an old address on the confirmation the sent me. They told me that Bridgecrest would be sending the check and I had to contact them. I have an auditory processing disorder so my wife contacted Bridgecrest for me that same day and the indicated they had no idea what she was talking about and told her to call back the next day to talk to the financial department. 

She waited a week to give it time to get in their system, then she called back two days ago. She spent almost 45 minutes on the phone waiting on hold. Eventually the representative told her that they had to contact XXXX XXXX. The rep contacted XXXX XXXX, confirmed that there was a GAP refund of {$640.00} that needed to be sent. The representative came back on the call with my wife and told her that the check won't be sent yet because XXXX XXXX hasn't yet notified them. Even though XXXX XXXX JUST told her that a refund was owed, so I'm not sure how almost 4 weeks later that isn't " notification ''. The rep told my wife that it could be up to another 4 weeks! 

My wife also asked about the issue of the incorrect address. The rep said that she would add a note to the file but couldn't guarantee it would be sent to the correct address. The old address is no longer forwarding my mail so if the check is sent there it will be as good as gone! 

My wife asked if the funds could be directly deposited to my bank account and the rep never really answered her question and just brushed her off and talked about the mailing date. 

In the current days of massive job layoffs and covid-related expenses, this {$640.00} would go a long way in helping my family. However, after holding on to it for a YEAR after it should have been return, it seems Bridgecrest is in no hurry to send it to me.