davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (TX)

I am rewriting to address a matter of utmost concern to BARCLAYS BANK DELAWARE regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that BARCLAYS BANK DELAWARE conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (OH)

To Whom it may concern, THIS IS THE SECOND COMPANY TRYING TO COLLECT ON A FRAUDULENT ACCOUNT i WILL BE ATTACHING THE FTC REPORT AND POLICE REPORT. THIS IS THE LAST TIME I WILL ADDRESS THIS ISSUE. IF DIVERSIFIED ADJUSTMENT SERVICES ATTEMPTS TO SELL, TRANSFER, OR OUT SOURCE THIS ACC # XXXX BAL {$4400.00} I WILL FILE A LAW SUIT AND SUE THEM. PLEASE DELETE THIS ACCOUNT AND REMOVE IT FROM YOUR DATABASE. XXXX WAS JUST TRYING TO COLLECT ON THIS ACCOUNT AND WAS ALSO INFORMED THAT IT IS A FRAUDULENT ACCOUNT WHY IT WAS TRANSFERRED TO DIVERSIFIED ADJUSTMENT SERVICES IS MINDBOGGLINGLY.
Consumer complaint received 2019-01-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

Good Afternoon, I have 30 years mortgage loan ( Loan # XXXX ) with XXXX XXXX  XXXX  XXXX , XXXX. 

For the pasts five year, I have been making payment to XXXX XXXX for time manner. Unfortunately the Loan was sold to Penny Mac. By law, the new owner of your loan must notify me within 30 days of effective date of transfer.

I have never received notice from Penny Mac Loan No.  XXXX or XXXX XXXX. 

Now I'm getting harassment phone calls from Penny Mac stating my loan is default.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (UT)

I originally submitted a complaint with the CFPB and the mortgage company responded. 
Freedom Mortgage took over 5 months to close my STREAMLINE refinance ; that complaint has been addressed. However, now after closing my loan with them I am still experiencing issues as follows ; The company did finally close my loan on XX/XX/1920 but did not transfer my existing escrow account to the new loan in the amount of {$3300.00}. Instead, they told me that it would be refunded to me and they charged a year of taxes and two months of escrow on the settlement statement. In addition, they did not deduct my last payment from the payoff either which was {$1500.00}. Therefore, my loan amount was increased on the new Streamline loan from the original amount quoted making the difference in my new payment of the streamline mortgage negligible. ..hardly worth the frustration of the FIVE months they took to complete the refinance. NOW, no matter how many times I have called in to their escalation department and email XXXX XXXX XXXX, regional loan supervisor with copies to XXXX XXXX loan supervisor, AND XXXX XXXX XXXX the address has not been corrected to my mailing address. The settlement check was sent to the property address instead of the mailing address IN ADDITION, I have not received the refund from my escrows or the XXXX payment which was not deducted from the payoff. I was advised by the escalation department in one of my four calls that the unused escrow amount totaled {$3300.00} and the XXXX payment was {$1500.00}. Today I called in again and before the transfer was dropped to the escalation department, the Freedom agent told me that the escrow check would NOT be received because it was applied to the new loan. That is NOT legal and it was not applied at settlement. Lenders can not close a loan and then collect AGAIN for escrows which will now exceed the aggregate adjustment on the settlement statement. I continue to email Freedom management they pass it off to the escalation department and nothing is correctly accomplished. Finally, on their site I was able to see that they charged me a fee in the amount of {$80.00} on XX/XX/20 ; I was not advised of this fee and do not know why it is posting. The customer service agent on the call today XX/XX/20 could not explain the fee. 
I need immediate help in this matter in order to obtain my a. escrow balance b. previous mortgage payment that was not deducted from the payoff. 
c. explanation and or recovery of the {$80.00} fee dated XXXX XXXX and finally a form so that I can set up ACH DEBITS for mortgage payments which is impossible to locate on their website. 
PLEASE HELP WITH THIS MATTER.
Consumer complaint received 2022-05-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # 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 2022-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

I open a account with Citibank on XX/XX/2022 they send me a alert that my account was placed on hold to give them a call so I called them and the representative told me to allow 24hrs and I should be able to have my account back so I have called every day and all the representative have told me the same thing to give them 24hrs is currently XX/XX/2022 and no one has answered my questions and my account is still on hold I spoke to a supervisor and she told me theres nothing she could do but doesnt tell me h th e reason thats all the money I have so I had to call off cause I had no money for gas I also have XXXX kids XXXX  custody and I cant buy them anything
Consumer complaint received 2017-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agencies Transunion, XXXX and XXXX  refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from XXXX, Transunion and XXXX. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
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. (CA)

The company violated my rights as per as per FCRA, 15 U.S.C. 1681, et seq. FCRA 602, 604A ( 2 ), 18 U.S.C 1666B
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

I submitted a dispute on XX/XX/2022 with XXXX regarding 4 collections on my credit report because I wanted to know what they were. Three of them are from Phoenix Financial all for the same amount of {$980.00} and the other is from XXXX XXXX XXXX in the amount of {$1400.00}. Not only did I not receive information on these collections but they were all added again to my credit report! So what started out as 4 collections is now 8 and were added on the exact date that I filed the dispute! There are now 2 for {$980.00} acct num ending in XXXX, XXXX for {$980.00} acct num ending in XXXX, 2 for {$980.00} acct num ending in XXXX for Phoenix Financial and there are 2 now for XXXX XXXX XXXX for {$1400.00} both ending in acct num XXXX. I then disputed those and got nothing. I told them they were duplicates and still nothing and I don't even know what they are for. So aggravating! Don't know if this is a problem with XXXX or the creditors but need this fixed! Thank you
Consumer complaint received 2017-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I am unsure as to where to start with this ongoing issue I have been having with USAA. However, it started in  XXXX   2017 . On the  XXXX , I noticed some fraudulent activity with my Checking account and filed a fraud case and had my bank card suspended and replaced. The bank told me on or about  XXXX   XXXX  or  XXXX  that they were no longer conducting business with me and that the fraud case would take up to 75 days and that my funds would be available to me after the case was over.     The end of  XXXX  I realized that my  XXXX  check had already been sent to USAA and I spoke to them on that day (  XXXX   XXXX  ) and the  XXXX  of  XXXX  to try and figure out what I could do as far as the funds of my check. I was informed that I was to wait  60 c alendar days.     I called last week,  XXXX   XXXX , and was asked to call back on the following Monday,  XXXX   XXXX . I called again and was asked if it would be okay that they call me back with a resolution, when and if found. I accepted. I did receive an email the beginning of  XXXX   (  the  XXXX  to be exact ), that the Fraud case had been resolved and nothing on my part to do because the transactions were not mine.     Today,  XXXX   XXXX , I received a letter in the mail that my 'USAA  Federal Savings Ba nk Accou nt ', bei ng the Checking Account #  XXXX  was being closed as of the date of the letter,  XXXX   XXXX ,  2017 . I have been calling  XXXX  and then in  XXXX  about my funds sent from  Veterans Affairs and whether they can send me my money to my new banking account or not and  am still awaiting an answer.     With the letter, I continue to be told to call if any questions. Up until now there is no resolving this issue with the bank 's customer service because the run-around does not stop with them but only continues after being placed on hold for ab out 15 minutes at  the least, each time, at least once.
Consumer complaint received 2022-05-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation (TN)

My account with One Main Financial was closed nearly a year ago. Paid in full. XXXX balance. 

This morning I woke up and One Main had charged me {$570.00} out of my checking. I called one main customer service and they had no way to track it. Luckily, the members name was on my ACH draft. They looked the member up and my banking information was on his account but they also had his banking information. 

One main committed negligence and personally damaged me financially. This is no small mistake. My account has been closed for nearly a year. How do you still have my banking information? How is this secure? What security measures are in place? This was unauthorized fraud and negligent. Now Im wasting my time, money, and energy trying to get my money back that was negligently took out of my account. How does this even happen?
Consumer complaint received 2017-08-20
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. (MO)

I disputed a XXXX account that is showing on my credit report. after disputing with the collections agency they informed me that they have ceased collection and has notified the credit bureau. well the credit bureau is still reporting this unverified/ unproven negative account on my credit report.
Consumer complaint received 2022-05-13
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX, and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

I've held and paid on direct consolidation loans since XXXX. The loans were automatically placed in forbearance during the Covid pause ( XXXX XXXX ). Despite this, I voluntarily made payments on those loans until the XXXX waiver was announced in XX/XX/XXXX. I was serviced by XXXX XXXX during that time. Under the waiver, I knew that I was eligible for forgiveness, so I submitted an ECF on XX/XX/XXXX and was transferred to Fedloan by the end of XXXX. During the transfer period, I learned that I could request a refund of payments made on direct loans during the Covid forbearance, so I contacted Fedloan to ask for the refund in XX/XX/XXXX ( as soon as my information had transferred to them ). They said that they issued the request, and within two weeks the balance of my student loans increased by the approximate refund amount ( around {$4200.00} ). 

XXXX months later, in XX/XX/XXXX, I still had not received the refund, so I spoke with a FedLoan agent on the phone. They assured me that the request had been submitted, but could take up to 120 days. 

In XXXX, I called and spoke with another agent who assured me that the request had been submitted, but could not be sure when the refund would be issued. 

On XX/XX/XXXX I called again to check on the status of the refund. The agent said that the request had been filed, but the refund could take 6-9 months.

I want the refund of payments that I voluntarily made on direct loans during the Covid pause. It shouldn't take more than five months to issue a refund.
Consumer complaint received 2017-08-20
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. (MO)

transunion removed a XXXX account and placed it back on my credit report without notifying me within 5 days of reinsertion which is clearly violation of the FCRA. i disputed a XXXX account that was showing up on my credit report. after disputing it with transunion in the file that maintain under my social security number. I was informed on XX/XX/XXXX that it was deleted from my credit report and now on XX/XX/XXXX I checked my credit report and noticed that the item has been reinserted on my credit report. I 'm accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or ; if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. Also I filed a complaint with convergent and I was informed that this account was being removed from my credit report they even uploaded supporting documents that they put the request for removal but transunion somehow refused to remove it.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by XXXX, Experian, and XXXX XXXX. The 3 credit bureaus Experian XXXX and XXXX have failed to comply to a dispute and investigation in a timely manner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to XXXX XXXX. 

Account Name : XXXX Acct # XXXX
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by XXXX, XXXX, and Trans Union. The 3 credit bureaus XXXX XXXX and Transunion have failed to comply to a dispute and investigation in a timely manner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Trans Union. 

Account Name : XXXX Acct # XXXX
Consumer complaint received 2022-05-13
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX XXXX,, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Act. #, 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 2022-05-13
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX XXXX,, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Act. #, 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 2022-05-13
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX and my identity was stolen by an old co-worker. He took my wallet and it had my social security card inside and also other personal documents. I sent copies of a police report and also FTC reports to the creditors and the three major credit bureaus. The inaccurate items and amounts consist of the following XXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX {$17000.00} XXXX XXXX XXXXXXXX {$55000.00} XXXX XXXX {$1700.00}
Consumer complaint received 2022-05-13
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. (NC)

In accordance with the Fair Reporting Act the companies listed below has violated my rights. 15 U.S.C 16.81 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 it also states a consumer report agency can not furnish a account without my written instructions. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX