davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
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)

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. I also contacted the CREDITOR and they have no such records of am inquire made with the company. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX, XXXX-XXXX  XXXX  XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I currently have a mortgage loan with the Huntington National Bank. Back in XX/XX/2020 due to salary reduction related to Covid-19 I entered into the temporary 3-months forbearance period, when I was permitted not to make payments on my loan for XXXX, XXXX, and XX/XX/2020, resuming regular mortgage payments in XX/XX/2020. 

Unfortunately, Huntington Bank has severely delayed processing of my paperwork, not reflecting any of the payments I made since XX/XX/2020 on my mortgage statement, and displaying completely incorrect balance due, interest, and payoff amounts even at the end of XX/XX/2020. This prevents me from finalizing my mortgage refinancing process with another lender, who needs accurate information from Huntington. 

I have been preparing to refinance for over a year, and in anticipation of a large cash-out amount last year I borrowed {$50000.00} from an elderly relative, who ( as I later found out ) depleted her entire retirement savings account to lend me the money. If I don't refinance, not only I won't be able to leverage the opportunity to get better financial terms for my loan, but my elderly relative will be left bankrupt as I will not be able to repay her retirement savings in lump sum as agreed. 

Huntington Bank 's reckless several months delay of updating my records is a direct violation of the contract between me and the Huntington Bank, which clearly describes the terms of forbearance and clearly states that once the period ends my information will be updated to reflect accurate state of things.
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

I fell victim to a multilayered scam operation orchestrated by XXXX ( XXXX ) ( the Company ) with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Coinbases services.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I contacted   XXXX   XXXX   about having debts that I 've already paid deleted from my credit, however the representative told me that they can not delete from my report eventhough I 've already paid. They also told me that only the credit bureaus can delete this from my credit, however I pad convergent for the debt I owed them. This is causing a severe negative impact on my credit which is preventing me from obtaining a loan. Convergent uses  XXXX  ( an email verification system ) and can delete directly, however they refuse to do so.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 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
Consumer complaint received 2020-12-23
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: CURO Intermediate Holdings (TX)

Ad Astra Recovery Service is currently reporting an account it alleges I have with them. 

I have previously asked them to provide me with documentation that would provide both validation and verification. All that was provided was an account with payment dates. None of these pages have an original signature from me. 

Nor have they provided any documentation to me which even proves that they acquired the date, the manner in which they acquire it and how much they supposed paid for said debt. 

Furthermore, while I had not considered legal action, if the paperwork is not provided to me, I will file suit with the FTC and other agencies to resolve in one manner nlt XXXX XX/XX/2021 as I have been waiting almost a year now for them to provide me a signed document where I contracted them to do any business with or for me. Or any document where and how they acquired this debt.
Consumer complaint received 2020-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NJ)

I been calling and sending this company certified letters since XXXX of 2020. This {$96.00} debt is not mine. I don't have a contract or agreement ever with this company. This collection is on my credit report and destroying my report.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have two loans with Lakeview Loan Servicing. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XX/XX/2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XX/XX/XXXXto both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because Lakeview Loan Servicing could not prove me wrong. Whatever, Lakeview Loan Servicing did at the time, it seem the did not correct the problem in their system. Since my last communication with Lakeview Loan Servicing in XX/XX/XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # listed below TransUnion, 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 XXXX XXXX XXXX XXXX Account XXXX : XXXX Last Updated Date : XX/XX/2022 Amount : {$3400.00} XXXX  XXXX last Updated Date : XX/XX/2022 Account Number : XXXX Amount : {$470.00} XXXX XXXX Date : XX/XX/2022 Account number : # XXXX Amount : {$56.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 Account Number : XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Account Number : XXXX Amount : {$660.00} ______________________________
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

Sign up bonus terms were 50k XXXX points after spending $ 2k within 3 months for Preferred Rewards Gold card ending in -XXXX. Minimum spend was met back in XX/XX/XXXX ; have opened a case with XXXX but they keep blaming an " internal issue '' without further elaboration and keep telling me to wait/check back in a week.
As a side note, I 've also not seen my {$200.00} statement credit post, but I have also not yet been assessed the {$190.00} annual fee, so as long as that does n't post I 'm not worried about the statement credit. If and when that becomes and issue, I will reach back out.
Consumer complaint received 2023-03-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Acceptance, LLC (CA)

I never received anything in paper or mail from this company, It would have been disputed within the 30 days if i had known.. This is not my debt as i did not give permission for any information being sold or bought. Since my information was bought without my authorization this is identity theft..
Consumer complaint received 2020-12-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (TX)

I think BMO Harris will avoid paying for the XXXX usd stolen from my money market account due to a technicality They require a police report, my local police wont take a report. I have never been able to speak to a human with XXXX police. And they just rejected my case due to a computer glitch BMO MUST either make an exception to the requirement for a police report or file it themselves
Consumer complaint received 2023-05-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Cardinal Financial has been trying to collect a debt not owed. My current mortgage was aquired by XXXX XXXX. on XX/XX/2023. This was confirmed by XXXX XXXX  on XXXX. 

I wrote an email to Cardinal Financial letting them know that I dont have an active account with them and to stop the collection calls ( which they never stopped ) XX/XX/2023 I received mail dated XX/XX/2023 that I owe mortgage payments for XXXX and XX/XX/2023, which again, I do not have an active account with them Also, I received mail stating they will share my personal information. ( which I do NOT give consent )
Consumer complaint received 2020-12-24
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. (NV)

I was recently looking at my credit report and I noticed a bunch of negative Inaccurate information on my report I disputed this information with the bureaus XXXX XXXX transunion. It has been over 60 days sense I sent those letters out containing where I want investigated and removed I still have not heard anything from either one of them. Ive been more than patient due to Covid in the election going on. I sent these letters on XX/XX/2020 Im reaching out to the CFpb to get this done please get this done
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NC)

We received a property tax delinquent notice from the county in XX/XX/XXXX, warning us that our property tax for XXXX has not been paid, and fined us {$340.00} as penalty. We called The Money Source , the mortgage servicer, right away. They told us because they just started to service the mortgage in XXXX and the loan was not set up correctly in their system, they missed the property tax payment. They paid the property tax a few days later, but they used our escrow account to pay for the {$340.00} penalty. We called in to them that it is not right because we had never missed our mortgage payments and it was their fault to miss the payment. But they refused to refund us the money. 

During the process, we found out their system is a mess. We asked for an escrow analysis because every time, the person on the phone would tell us something different. It took them about 3 months to provide an analysis without many details. We questioned about the initial balance and where the escrow payments we made at loan closing went. They could not answer the question and instead instructed us to call the title insurance company. We called the title insurance company. The title insurance company thinks it was the most ridiculous thing they had ever heard. They had no idea where the money was.
Consumer complaint received 2020-12-23
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: SYNCHRONY FINANCIAL (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, SYNCB/AMAZON, on XXXX XXXX, 2020, XXXX and on XXXX XXXX, 2020, SYNCB/VERIZON add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (MO)

To date, this is the third complaint I have had to file against Flagship Credit Acceptance for the SAME exact problems. They haven't addressed any concerns or come to a resolution on how to work with me on the account. 

I have had extreme hardship this year, due to the pandemic, such as having to have an operation which occurred in XXXX of XXXX, had the flu in XXXX of XXXX, had XXXX in XXXX of XXXX and recently just found out that I have to have another foot operation in XXXX of XXXX, because my last foot operation was unsuccessful. 

Since XXXX, and up to the date have talked to references on my application and given them personal confidential information containing to the debt on my account and have left voicemails on their phones about my debt with them. 

On XX/XX/XXXX, XXXX, of XXXX, after XXXX XXXX responded back to my previous complaint, I've reached out daily to try to resolve the account with her and no response back from her. During the course, of talking to other representatives, I have been threatened by them for repossession of the vehicle, however, I'm trying to reach the representative that responded back to the last complaint I filed, therefore we can reach a resolution. 

At this point, this Flagship Credit Acceptance lacks transparency on how they handle customer complaints. From representative to representative to representative the information given changes from one rep, to another. 

All I want is transparency from this company, instead of getting the run around and thrown to a different department that isn't handling the account.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I am reaching out to you today because I feel that XXXX, XXXX, and Equifax have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that there are a lot of items being reported improperly. I've been working diligently to get a home and all of these accounts are falsely reported. The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. Please investigate every account and its validity, I need this home and vehicle but these misreported items are solely hindering that.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WV)

This complaint is in reference to a conventional home mortgage with Flagstar Bank : - Property Address is XXXX XXXX XXXX XXXX XXXX, WV XXXX - Loan number is XXXX - Payee is XXXX XXXX - Initial mortgage amount was {$510000.00} initiated in XX/XX/XXXX. 

I made a {$400000.00} payment to principle on this mortgage on XX/XX/XXXX via wire transfer from my account at XXXX XXXX As of today, XX/XX/XXXX, Flagstar Bank has not posted this payment. I have called them five or more times checking on when this will be posted and have not received a straight answer. Flagstar Bank representatives have indicated that they can see this payment in their pending files and that some department that is responsible for posting these payments will eventually get around to it. I want this payment posted immediately and to ensure that it is processed as a payment on XX/XX/XXXX for interest purposes.
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In a nutshell ... Lets ' say I have XXXX in the bank and the bank has automatic draft coverage ( requested this to be removed ). There is a charge for XXXX and another charge for XXXX. Capital One will let the XXXX charge come and then the XXXX. By having the charges come out this way, Capital One has doubled its fee. Instead of XXXX, I am getting hit with XXXX. If Capital One tool the XXXX then the XXXX, it would be only once. They are engineering the process for their benefit. It is predatory.
Consumer complaint received 2020-12-24
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: BARCLAYS BANK DELAWARE (AZ)

In XX/XX/XXXX, I noticed a credit card that I have never owned. It came out in my credit report.I filed a complaint and dispute. Discoverd it was a third party credit card.and the names that came out on this card. Have never known or heard of these name these people.. I contacted Barclay 's and they told me to file a 2nd dispute.. But the company keeps insisting its my card.. Its being used fraudulently. Because this is not my card.This card does not belong to me. It was opened in XXXX and just recently came out on my report. I do not own this card have never applied for this card for this card.
Consumer complaint received 2020-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Syncapay, Inc (MA)

I have the first card with them on XX/XX/2020. Despite they said that this card can be used anywhere Visa is accepted, I couldn't use it in XXXX and XXXX even those two companies accept Visa just fine. When I attempted to use it, the purchases were rejected with this error " Merchant not in Network or No Purse Exists ''. I also tried to contact them to explain this error but the company never responded. 

A few weeks later, I combined a few tokens to form a card with {$670.00} worth of balance. I was only given 6 months expiration date instead of typical 12 months duration like the other card that I have before.
Consumer complaint received 2022-01-04
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: LEXISNEXIS (IL)

Lexisnexis is reporting inaccurate information to my consumer report. They are reporting a public record which I never gave written instructions to do so and have been causing me injury.
Consumer complaint received 2020-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I just read in my credit bureau report an entry from a collection agency for XXXX XXXX in the amount of {$140.00}. It is important to note that I have never received service from this company in the last two years. I also never received a bill from XXXX XXXX. I have tried in vain to communicate with them. I am afraid that my personal information has been compromised or confused in some way. Again something to note is that I never received any notification for payments. I just found out about this problem by reading my credit report. I am very upset and feel a feeling of enormous helplessness