davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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. (MS)

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IA)

CFPB addressed this bank for me once already and the issue was resolved. BUT the bank did the exact same fraudulent unauthorized transaction and fraudulent overdrafts immediately after CFPB resolved issue. When I attempted to report this XXXX action of fraud, I was refused and my complaint was titled duplicate complaint. And that is not true. And now the overdraft fraudulent charges are exceeding {$140.00} and XXXXXXXX XXXX  had sent it to XXXX different collection agencies. I reported the first agency to CFPB and the affect immediately withdrew as collector for XXXXXXXX XXXX. I haven't filed complaint against Monarch XXXX XXXX because I want this taken care of in full. Starting with XXXXXXXX XXXX
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NC)

TALX Corporation, a wholly owned subsidiary of Equifax Inc. has two separate reports : 1 ) Prove Employment to Verifiers ; and 2 ) Prove Income to Verifiers. This would lead a consumer to believe that one report will verify that you are actively working somewhere and another report will verify your income. There are very good reasons why I would allow someone to view an employment verification report for me and not an income verification report. However, I requested and viewed my employment verification report and all of my salary and income information is in there. Even down to the detail of each pay period and what my gross and take home pay was. This is misleading. If all of that income information is in the Employment Verification Report then the Employment Verification Report is both an Employment AND Income Verification Report. I would not agree to release my employment verification report if I knew that they also had all of my income information in there.
Consumer complaint received 2019-09-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Regional Mediation Associates LLC (FL)

XX/XX/2019. I received a call from XXXX XXXX XXXX XXXX XXXX, from Regional Mediation Assoc. # XXXX. # XXXX, # XXXX. Stating I am being sued for money owed. with case # XXXX in the amount of {$2400.00}
Consumer complaint received 2019-05-02
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. (MO)

The following accounts are not mines and nor do I have any knowledge of these accounts. I'm asking that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX
Consumer complaint received 2019-05-02
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. (MO)

The following accounts are not mines and nor do I have any knowledge of these accounts. I'm asking that the following accounts be blocked from my credit report, ( 1 )  XXXX XXXX, ( 2 ) SXXXX XXXX XXXX, ( 3 ) XXXX
Consumer complaint received 2019-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

Navient refuses to show me the contract i signed for an adjustable rate loan ( which i never did ). They keep lying and saying they will send me the contract if i agree to payments. They set up a false account in my name.prove that i signed a contract!! I went into the united states XXXX XXXX XXXX in 2005 the year i graduated highschool for 10 years after i left high school. All you all do is pray on people that cant afford attorneys after setting up fake accounts and then charge them interest they can never payoff. I am in the mortgage industry and i am 1,000,000,000 percent sure that i know you all violate governing laws.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX  and XXXX are reporting incorrectly a voluntary repossession on the XXXX  account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Based on the selections, this best fit my issue, but not sure it was intended for issues with PMI. XX/XX/XXXX I applied for PMI removal. I never heard anything back from anyone so I called back at least 3 times, the third time was on XX/XX/XXXX and is when I asked to be escalated to a manager. The manager finally got the BPO ordered, and the appraiser came to my house on XX/XX/XXXX. I was told it would be a few days and I should hear something. I have not heard anything back as of today ( XX/XX/XXXX ) so I called back and was told nothing is on my account since the BPO was ordered. My house has way over 20 % equity and I have paid {$270.00} towards PMI since requesting for removal and there is not end in sight. This money should not have been paid, nor should I pay anymore going forward. Their ineptitude and inefficiency is costing me ( and I assume many others ) money and should not be allowed or tolerated.
Consumer complaint received 2019-09-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TD BANK US HOLDING COMPANY (NY)

I purchased a vehicle in 2012. The vehicle was almost paid off, due to an injury I fell behind however I did begin to resume making the payments. I made an agreement with the debt collector for the amount of {$4500.00} of which {$2000.00} was paid. The creditor sold the loan without my knowledge and I sent payments to the original company. I was then sent a law suit letter stating I now owe {$10000.00}. I was not given any written notice that this loan/debt was sold and that payments should be sent to another company.
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Uodate on my previous complaint : According to Superior Court of California dated XX/XX/XXXX my proproperty was never sold and a mortgage was never opened by anyone except me in XX/XX/XXXX. Please refer to case information XXXX XXXX for " XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ''. Please see Register of  Actions. 
I was evicted and can not stay in my home. Please have the sheriff or appropriate government official give me possession of my home. There are squattters/people living in my home and making illiegal alterations to my home now.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

I have two credit cards that were suddenly sold to a debt buyer known as Midland Credit Management Inc. I am here to state that the two original creditors, hereafter known as XXXX XXXX and XXXX XXXX XXXX did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into XXXX dollar plus securities agreements. Midland Credit Management is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MA)

I have two credit cards that were suddenly sold to a debt buyer known as XXXX XXXX XXXX XXXX. I am here to state that the two original creditors, hereafter known as Synchrony Bank and XXXX XXXX XXXX did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into XXXX dollar plus securities agreements. XXXX XXXX XXXX is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX
Consumer complaint received 2019-09-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rubin & Rothman, LLC (NY)

I purchased a vehicle in 2012. The vehicle was almost paid off, due to an injury I fell behind however I did begin to resume making the payments. I made an agreement with the debt collector for the amount of {$4500.00} of which {$2000.00} was paid. The creditor sold the loan without my knowledge and I sent payments to the original company. I was then sent a law suit letter stating I now owe {$10000.00}. I was not given any written notice that this loan/debt was sold and that payments should be sent to another company.
Consumer complaint received 2019-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

THIS IS NOT THE SAME THIS IS NOT A DUPLICATE I have reported fraud and identity theft since XXXX/XXXX. 
I reported fraud and identity theft in person to XXXX XXXX XXXX XXXX  XXXX va the manager XXXX. 
I have over XXXX XXXX dollars that has been illegally stored and transferred via Ebankibg unknown identity thief. 
XXXX bank if America regulatory supervisor after intense fraud research thru my complaint her letter dated XX/XX/XXXX states CLEARLY MS XXXX I DO NOT SHOW ANY OVERDRAFTS ON YOUR dole account of XXXX. I recently obtained bank of americaiXXXX dole accounts that prove that was a false statement by my financial institution that should be protecting my monies and personal information from being combined with other persons/ entity. attached are screenshots of the XXXX XXXX XXXX overdraft. Of {$35.00} and then I was charged {$35.00}. 
So again bank of America who had XXXX  access to my sole account of XXXX XXXX XXXX from XXXX thru present date. 
Also identify the bank of America addresses of my sole account that bank of America put on my monies Opening thru XXXX XXXX XXXX XXXX Florida   XXXX XXXX deleware I am requesting the authorization documents if who put me on these business type EBANKING accounts with my deposits of over 100 thousand dollars plus transferred monies ( without my knowledge  or permission ) that was fraudulently used tampered with transferred and someone running thru fraud unauthorized check cards which I did not have any debit cards as per summeralls letter until late XXXX.
Consumer complaint received 2019-09-25
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. (TX)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

I have two credit cards that were suddenly sold to a debt buyer known as Midland Credit Management Inc. I am here to state that the two original creditors, hereafter known as XXXX XXXX and XXXX XXXX XXXX  did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into billion dollar plus securities agreements. Midland Credit Management is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX
Consumer complaint received 2019-09-18
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. (GA)

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Please remove these items from my credit.
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I have repeatedly emailed Wells Fargo Mortgage company. I have taken screenshots of any and all emails that I have sent via their online email service prior to sending any and all communication. I stated that I was in the process of selling the home. I also stated that they made an error by denying the now deceased homeowners modification and owed the estate {$12000.00} per lawsuit and settlement. Wells Fargo has repeatedly denied this and stated that the home is in foreclosure and that the estate owes Wells Fargo. I have repeatedly requested the calculation for the error responsible for the modification denial and illegal foreclosure that Wells Fargo is attempting at this time. Wells Fargo is refusing to provide me with this calculation stating it is " confidential, privileged and / or proprietary information ''. Based on the fact that Wells Fargo is attempting to illegally foreclose on homes, public policy takes precedent over any proprietary concerns of a simple mathematical calculation, especially when it has already been proven to have been in error. There is no novel concept that could possibly be used for the good of society in this manner and protected yet foreclose on homes illegally. That is protecting corruption. That is deceptive and unfair trade practices at its worst. After demanding the calculation and Wells Fargo refusing, they then stated that they " verified that she does not have permission to receive information ''. This was sent on XX/XX/2019 ( see attached ). A day after their attorneys IN FACT verified that I am the legal executrix on file in the county courts ( please see the attached ). Wells Fargo is attempting to illegally foreclose on property. I have stated that I am attempting to sell said property ( I have these screenshots of this email communication ). Wells Fargo has repeatedly lied and acted in bad faith, which I have on record, both recorded voice and documented thoroughly.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

{$50.00} payment was sent from my XXXX XXXX XXXX - Checking Account to XXXX on XX/XX/XXXX instead of XX/XX/XXXX due date. Reason : Post office placed my mail on the wrong apartment mailbox. Therefore, XXXX Credit Card Rep ADJUSTED XX/XX/XXXX LATE FEE on XX/XX/XXXX, but failed to remove the corresponding finance charges of {$1.00} at the time. This failure on their part, resulted into later months statements balance. Refer to statements of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition, refer to transactions obtained from bank pertaining XXXX XXXX Card all these years and never late. You can also see that now in XX/XX/XXXX I am being reimbursed by XXXX XXXX {$1.00} for that " supposed '' late payment on XX/XX/XXXX. This whole issue of late payment for {$1.00} is greatly impacting my credit report and credit score in XX/XX/XXXX.
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I submitted a complaint about this company on XX/XX/XXXX about a returned payment fee I was charged for no valid explanation. Please see complaint number XXXX. The company due to this complaint and " in good faith '', refunded the {$30.00} I was charged as a courtesy and decided to close my credit card entirely. I had that card in good standing since XXXX. Never a late payment or a returned payment or any credit issues that could lead them to close my account. This proves the fact that consumers have no rights and, if we complaint, this is what we get. Forget about all those years being a loyal customer for what. If you complaint and say something about your rights, you are a liability to them and you get eliminated.
Consumer complaint received 2019-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC (LA)

On Monday, XX/XX/2019, I received a voicemail from XXXX XXXX representing Allied Interstate LLC. On XX/XX/2019, I sent am email to Allied Interstate LLC indicating the type of contact made and my hesitation talking with anyone over the phone ( due to phone scams running amass this day and age ) without first receiving written correspondence. I also said in my email that XXXX XXXX ( collector ) called my phone before XXXX XXXX. The email responded asking for my phone number. I responded giving it to them. They then responded saying to call their agent at XXXX, seemingly to disregard my formal request for them to send me written information on the matter.
Consumer complaint received 2021-09-16
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

According to state revised code : The XXXX XXXX account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.