davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
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. (IL)

I received my credit report and became aware that there are XXXX fraudulent hard inquiries on my credit report. I did not apply for anything. There is no way possible I should have any hard inquires when the law states that they should only remain on a persons report for only 2 years, this inaccurate information is hindering my credit report. 

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
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (MD)

On XX/XX/2021 I submitted a credit application with XXXX XXXX in XXXX, SC. A few days later I received a text from Vanderbilt Mortgage asking me to call them at XXXX XXXX XXXX. When I called I was told that they had sent me an email with the terms of the offer. I told her that I never received the text. She then told me the terms of the offer, 6.7 % for 23 years along with other specific. Later, I send them a text requesting a written copy of the offer. As of today, I have not heard from Vanderbilt Mortgage not have I received a copy of the application I submitted with XXXX XXXX.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation (KS)

THIS IS NOT A DUPLICATE COMPLAIN Acting as a debt collector Account Resolution Corporation is in violation of FDCPA several times. I notified them on XX/XX/2021 and XX/XX/2021 with notarized certified mail return receipt. Below is a list of the violations I alerted them of when I sent them a Cease and Desist, Affidavit of Truth with Exihibits of all violations, and invoice. I documented 18 violation they are criminally and civilly liable. Account Resolutions Corporation is civilly liable based on 15 USC 1692k. Below are the violations contained in the the Affidavit sent and the number of times each was 15 USC 1692 ( e ) ( 10 ) violated 8 times 15 USC 1692 ( b ) ( 2 ) violated 10 times Account Resolution Corporations failure to respond to the notice within 30 days is in itself a violation and warrents immediate removal of all deragatory marks from my credit report. 

Attached to this CFPB complaint are unnotarized copies of the notarized documents sent to Account Resolutions Corporation on XX/XX/2021 and XX/XX/2021. My affidaviat, cease and desist, and invoice are included. I have with held the exhibits because there are 16 pages todate and will continue to learn of more violations as Account Resolution Corporation is obviously in sevre violation of numerous sections of the FDCPA.
Consumer complaint received 2022-01-21
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. (FL)

My name is XXXX XXXX. There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I I Filed a complaint number ( XXXX ) with the CFPB to ( Equifax ) and they responded that they sent it to the company however This company has failed to address this complaint and they didn't notate the dispute on my credit reports. I have attached screenshots for proof.
Consumer complaint received 2022-03-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (TX)

In XXXX of 2021 company added an old debt to my account that damaged my credit score. I contacted them to dispute and then refused the " debt parking ''. They also refused to send me anything in writing that they are legally supposed to do.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX  XXXX Balance {$15000.00} XXXX  XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2400.00}
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (MD)

During the pandemic I reached out to Chase regarding my husband and I both losing our jobs. Obviously for months, like everyone else affected by Covid, we were not financially able to pay the minimum payments due. We reached out to Chase and was denied multiple times for deferments and payment arrangements. 

For six months, until we both started working again, Chase continue to report the delinquency to my credit report, affecting me greatly. Since we both started working again, I have since ( and prior to the pandemic ) been in excellent standing with Chase. Unfortunately the six months of negative reporting continues to affect my credit report.
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Checking account was charged XXXX Overdraft fees, I believe only one should be charged due to an oversight on my end. I called Bank of America and explained that when the ACH ( Transaction 1 ) posted the statement balance was {$2.00}, however they stated that due to pending XXXX transactions the available balance was - {$7.00} and that is why the fee was charged. Problems with this ... 1 ) they blatantly admitted they do not have a de minimis for overdraft charges and that even if an account was overdrawn XXXX cents, they would charge a fee. 2 ) the POS transactions had not actually posted and may never post due to other circumstances, however they are basing fees on these dollar amounts. 3 ) They wanted to charge the XXXX ACH transactions an overdraft fee because we do not " opt in '' to Regulation E Overdraft charges, they would have been unable to charge on the pending POS charges. 
Bank of America banks XXXX customers nationwide and use these practices daily across the board. These unfair and deceptive practices must cease before they continue to harm innocent consumers. 
Each time a phone representative explained their overdraft process to me, I asked to speak to a manager. The final manager would not even get on the phone with me. I had to explain the situation to her subordinate as her subordinate typed the information to her. I persevered and finally had the erroneous {$35.00} OD fee refunded but the phone representative made it very clear that the overdraft was my fault and they stand by their process of paying and charging overdrafts.
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IN)

Amsher Collection Serv XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX continues to add a fraudulent account to my credit report destroying my credit rating. I have student loans that are I deferment but my revolving credit is excellent. All my credit cards have been paid 100 % on time. I have disputed this and won three times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It has been added to my credit a fourth time. I have no knowledge of this account. The company can not provide any signed documentation nor confirmed identity that I created this account. I have no idea where this account t came from and I have not seen any documentation supporting their claim this is me because they do not have any. I want to file a complaint on all three credit bureaus as well XXXX, XXXX and XXXX this be removed and not be allowed to unfairly negatively impact my credit score for years and it does not belong to me. I have 60 months of on time credit payments but yet my credit score is under 600 how is that possible. I havent been late on a credit card in five years, I pay my bills when I am able.
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

On Thursday XX/XX/XXXX I looked at my online account in the morning and saw what my balance was. That afternoon I again looked at my online account and saw that the account information had disappeared, needless to say I was shocked. I did not understand what happened. I immediately callled SunTrust Bank customer number to find out what was wrong. I was told there was a hold on my checking account and I could not think of anything I did for the Bank to do that. The person I talked to told me to hold a minute and she came back on and told me that I had a joint account and that the other person ( XXXX XXXX ) was being investigated and the Bank put a hold on all his accounts. I had put him on for emergency conditions only. I trust him and didnt Know what to think. I then called XXXX at his work and told him he had better call the bank and find out what was going on. He did so and was told he was being investigated because of a check someone else tried to put in his account ( not mine ). He also was told he could not have a checking account with SunTrust again. That evening I met XXXX at the Bank after he got off work. We then talked to a man that worked at the customer desk. He could not tell us much except he said that my account was being closed because of XXXX name being a joint account but that my standing with the Bank was good and I could start another checking with Sun Trust once the investigation was over. I could not get a time line on when that might be. I have been a customer of SunTrust since 1988 with no problems and I can not understand why they are treating me this way. XXXX name has been on my account at least 12 years with no problems. 
The Bank can see where the money I had in the bank came from as it mostly came from my Social Security check, paycheck and a little money from XXXX for rest of his rent. I think it is terrible what they have done as what am I suppose to do for food, pay bills and a lease. Actually this is a form of ELDER ABUSE as I am XXXX XXXX XXXX. I am going to file charges against SunTrust fraud department for Elder Abuse. Dont know if I will get anywhere but I might as well try.
Consumer complaint received 2021-05-12
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-03-28
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. (WA)

I paid XXXX XXXX before loan was transferred to XXXX in XXXX. I have no record because I bank with a different bank Shows 90 day late without 30 or 60 day late. 

All three bureaus show different information Account was in litigation while they reported late They failed to investigate disputes I disputed loans all XXXX  XXXX all disputes were not investigated and verified accurate. 

Just disputed again last month and failed. I called to have them remove late payment and they would not do it. Even agreed to pay for a loan that was already paid off.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NC)

I purchased a {$500.00} Vanilla Gift card including a {$5.00} activation fee from a XXXX store on XX/XX/XXXX in XXXX, NC. The gift card was never out of my possession. I went to make a purchase using this card several days later and the purchase was declined. I later checked the balance of the card and discovered that the funds on the card had been hacked by someone that spent the funds at grocery stores, gas stations and XXXX stores in southern California. 

I notified Vanilla Gift of the stolen funds on XX/XX/XXXX by filing a dispute. I spoke with XXXX and was given a case # XXXX. I also provided Vanilla Gift my email address. I have not received any email confirmation of my case details or any details of an investigation into the stolen gift card funds. I am extremely upset that my funds were stolen.
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MS)

I paid XXXX XXXX XXXX  in full and closed my credit card account. XXXX XXXX XXXX then sold the paid account to Resurgent capital services. XXXX XXXX XXXX reported to my credit report, I disputed the matter and proved the payments were made and that I closed the account. XXXX XXXX report was found truthful and deleted from credit report. Resurgent capital services has failed to acknowledge the payments made to XXXX  XXXX XXXX and has reported the charges to my credit report. I have tried multiple times to prove that the account they are trying to collect on, was in fact a paid and closed account. I have provided evidence of payments & credit report status stating the account was paid and closed.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC (VT)

Since XXXX I've been disputing a collection that was taking out on my credit. 

Year of XXXX this dispute started using a law office to come after me for collection of funds. Every time the government issued a stimulus check, the collection efforts increased. Including in XX/XX/XXXX, attempting to sure in small claims court. 
I'm on XXXX and my income is exempt from collection. I responded to the small claims court, including sending the company the copy of the letter as I was told by the paperwork from the court. 

Now today XX/XX/XXXX, the attorneys sent shriff to serve me the same court claim for suit. I was very confused as I had already done as stated before. The shirff said he was sorry, that he felt they were using his service to intimated me. Said as long as the claims have the same docket number, then I have answered correctly and need to wait to hear from the court. 

Company XXXX XXXX, XXXX as assignee of XXXX, XXXX XXXX. Principle amount XXXX and now claiming XXXX Info says XXXX XXXX XXXX XXXX, blacks out # acts and amount. Says cut off date XX/XX/XXXX. Sale id XXXX Their using attorneys out of Massachusetts. 

This collection used to say XXXX dollars that I was disputing. Then ever year it went up more. They've increased their tactics in trying to force me to collect this debt, because it's been almost 7 yrs.
Consumer complaint received 2022-01-21
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alpine Financial Solutions, Inc. (IN)

Company approved me for a business loan of XXXX but pay them back XXXX in XX/XX/21. 
They debit XXXX a day from my business account mon-fri. 
I recently left the contract I used the loan 4 to start up. They couldn't pay what they promised so I went back to old job under another contractor and had to stop my business. 
They held last 3 checks for 90 days to ensure no claims were issued. I told XXXX I need to pause payments until 2 weeks so I can pay with new job settlement. 
They would not do that so they spiraled my account into negative. Down to XXXX I then asked 4 another loan so I can use business account to pay them Now there saying after 5 days of non payment they will add XXXX on the balance 2pay back. 
They have handled this wrong and would not help me in anyway. My business account is ruined.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

Dear CFPB, I am reaching out in desperate measures to bring to light the way my file is being handled. I have an account listed on my credit report that was NOT me. I have been writing the credit bureaus and the company for the last 4 months or so with no avail. I have explained the problem and also included all necessary documentation such as FTC affidavit and the police report. This is extremely time consuming and becoming costly with letters and running to the police station. I am writing this complaint to effect immediate change. 

The following accounts are opened fraudulently. I never give consent or authorize these accounts. I only discovered these accounts upon speaking to the mortgage officer. I never receive any collection notices about these accounts. 

XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$620.00} Here are the accounts I have been writing about. I did not open these accounts and I did NOT receive any money or services. I did not sign these applications and I am unfortunately suffering for these accounts being on my credit. I requested both the creditors and the credit bureaus to stop reporting this account. The account is still reporting. My request was pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.The fraudulent information is still on my credit report and I bring this to your attention. Please review why the companies are neglecting to remove this information as it is extremely damaging.
Consumer complaint received 2019-08-07
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer  Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (CA)

I currently have a mortgage with Selene. I had fell behind in payments and Selene was playing games working out a payment plan so I filed Bankruptcy. So I went through years of making my bk payments and now that I am through and my bk is paid off and have received my discharge. I have worked on my credit and have a score of about 750. So it is time to get out of that 7 percent loan with Selene but however they will not give me my monthly mortgage statement. They said for some reason my statements are not being generated and nobody seems to understand why. I have made many verbal request for my monthly statements however to no avail. I need to make sure my payments are being properly applied. Im trying to refinance and need two past statements but Selene is failing or refusing to give to me.
Consumer complaint received 2022-10-12
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. (LA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.