davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: Diaz & Associates, Inc. (TX)

FCRA Violation personal information not mine XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX XXXX  FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX  FCRA Violation other accounts not mine XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation hard inquiries not mine XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. 
Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

ON XX/XX/2021, I SENT LETTERS TO THE CRA 'S FOR REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY REPORT BECAUSE ITS DAMAGING MY CREDIT AND STOPING ME FROM GETTING A HOME, PLUS CAUSING ME STRESS.I AM SEEKING SOME ASSISTANCE IN THIS MATTER, ALSO THE LETTERS THAT I SENT THEM ARE FILLED OUT COMPLETLY.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALTERNATIVE DISPUTE RESOLUTIONS (TN)

I have had repeated phone calls from a phone number of XXXX claiming to be from Alternative Resolutions. I will not verify my social so they just tell me good luck in court lady! They will release no information to me without me verifying my social and continue to call.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

This consumer filed complaints with the CFPB against XXXX XXXX XXXX and Cach llc.  XXXX XXXX XXXX answered first and in their response indicated that Cach llc declared chapter XXXX bankrupty and subsequently their entire portfolio was sold to Resurgent Capital Services. The response that this consumer received in regards to it's complaint against Cach llc was from resurgent capital services and no where in their response did they indicate there had been a bankrupty and that this consumers judgement debt had been sold. Cach llc/resurgent capital services and their attorneys knew or should know that when a debt is sold the rights to enforce it must be assigned and resurgent capitals response to this consumer is misleading as they have omitted any reference to the bankruptcy which ended cach lls ownership of the debt. 
Subsequently XXXX XXXX XXXX on behalf of cach llc filed a writ of garnishment against this consumer in the XXXX district court of XXXX XXXX mi. This consumer objected in part due to the lack of an assignment. A hearing on the objection was held on XX/XX/2019. the court adjourned for 30 days to give cach llc time to get the assignment as required by the statute of frauds in michigan. At a hearing held on XX/XX/2019 an individual who did not clearly state his name and did not state his P number on the record appeared on behalf of cach llc still without an assignment and indicating that XXXX XXXX XXXX bought the debt to which he and Judge XXXX XXXX agreed to. Judge XXXX XXXX changed his opinion on the plaintiff needing an assignment to the defendant needing to prove that cach llc and its portfolio  was sold to resurgent capital services in a chapter XXXX bankruptcy which the defendant has procured from the public record.
Consumer complaint received 2021-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and TXXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX XXXX XXXX sinceXX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (WA)

Tried of loan company writing to me and treated to arrest me for not paying the amount indicated on the e mail. I keep writing back saying that I do not owe you the money, but keeps sending these letters. That a arrest warrant has been issued. 
XXXX XXXX -- -- -- {$390.00} Ace cash services -- -- {$640.00} taken me to court and then {$4500.00}. 
XXXX XXXX XXXXXXXX -- - {$980.00} Not license to do business in Washington, but still wants me to pay this. 
XXXX XXXX -- - {$1100.00} None of these I owe money to.
Consumer complaint received 2020-02-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

I was using the Western Union App and I sent money to a family member of {$300.00} and Western Union charged me twice.I called the bank and they gave me credit, then they took it back because Western Union claimed that they only charged me once. I contacted Western Union by email and they told me to print my banking statement for proof of the double charge and to email it to them. They gave me a claim number XXXX. I emailed them my bank statement 5 weeks ago and they still haven't responded.I also called Western Union customer service I was put on the waiting line for a while till I was disconnected from their line.
Consumer complaint received 2021-06-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (VA)

Consumer Financial Protection Bureau My wife and I closed on our home in XX/XX/XXXX. In XX/XX/XXXX, we made our first payment to the original loan provider. The following month, our mortgage was sold to Flagstar bank. We made another payment to Flagstar bank in XX/XX/XXXX and then we initiated a forbearance request due to financial hardships associated with COVID-19 for 6 months XXXX XXXX XXXX ). We extended this forbearance for an additional 6 months XXXX XXXX XXXX ). 
Around mid-XX/XX/XXXXXXXX, I initiated contact with Flagstar bank to begin the process to come out of Forbearance. At that time, I was told that I had three options. I could pay the balance in full, make partial payments over the course of the next 90 days to bring the balance current, or request the balance be added to the end of my loan. I chose the third option which required an application for loss mitigation relief. The documents that were requested of me included a hardship letter XXXX describing in detail, why I needed the forbearance in the first place ), an IRS Form XXXX, pay stubs for both myself and my spouse for the past 60 days, as well as Flagstars XXXX Loss Mitigation Application. All documents were completed and uploaded by XX/XX/XXXX. At this time, I was told that my forbearance would be extended an additional 90 days XXXX through XX/XX/XXXX XXXX to allow underwriting to complete my application. On XX/XX/XXXX a hard inquiry was made against my credit report by XXXX XXXX, which I learned is associated with Flagstar Bank. It appeared that I was in the process of re-applying for my loan at this point which is not the way the forbearance plan was originally described to me. 
Today, XX/XX/XXXX I contacted Flagstar Bank to inquire as to the status of my reinstatement and was informed that my application for loss mitigation had been denied and that I would now have to pay the balance in full, a total of {$52000.00} ( {$4000.00} monthly payment X 13 months, XX/XX/XXXX XX/XX/XXXX XXXX. The customer service rep said that a letter had been mailed to me and that I would have the opportunity to appeal, but since I had not previously made 12 consecutive payments on the home, that my appeal would most likely be denied as that was a requirement for reinstatement ( to have 12 consecutive payments prior to forbearance ). 
None of this was explained to me before we went into forbearance and we certainly do not have {$52000.00} just lying around to bring this mortgage current. We can resume making our monthly payments of {$4000.00}, but not the entire balance.
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OR)

I opened a new account with US BANK, and after depositing cash and making a few purchases a fraud hold was put in my account and I was unable to use my card. I had previously clarified what the daily spending limit was and I did not go over it, so there was no reason my card should have been disabled. In additon, I had ordered a cell phone as I Have been robbed and needed a new phone, and because my card was disabled my order was cancelled, my card was charged twice, wheras it should have only been only charged once. I went into a branch and confirmed with the card resolution team that the correct amount from XXXX XXXX XXXX was {$100.00} amount not the the {$69.00} amount. This amount has been debited from my account. Had I not put my money in the bank and made this purchases in person with cash I would not have any problems accessing money that is actually there
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/22 I received checks from TD Bank for two accounts ( last four of acct XXXX and XXXX ) in the mail but I dont have any accounts with TD and certainly didnt order checks from them. 

Checks had on them my correct address and correct cell phone number I had recd texts from td In the week prior but thought they were spam and deleted. 

In the Fall ( XXXX / XXXX ) my brother same last. And told me he kept receiving emails about me opening accounts. At that time I called TD and alerted them of problem.
Consumer complaint received 2021-02-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I have wrote your company several times. I'm not sure if you are getting my letters are not. I would like my credit report properly investigates. I have took a look at my credit report and carefully went through each account. I want to know did you properly investigate these accounts. Some of these accounts report that how I was making on time payments one month then the next month it says 120 days late. The payment history is reporting inaccurate. the date of last active date I have circled and noted for you that its inconsistent
Consumer complaint received 2023-06-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (PA)

My brother XXXX XXXX XXXX went to my PNC Bank and opened my savings account, and changed my account status to access with voicemail checking whether I have money in the account. He has a fake driver 's license or I.D . in my name. Also, my old workers XXXX, XXXX, and more identity thieves were involved too, and checking my accounts.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX ( pre COVID 19 ) I charged a gym membership to my Barclay 's issued UBER Visa card in the amount of {$500.00} for a two-year membership. I was renewing my membership for the third time since I became a member there. Then in Illinois, we were shutdown in the month of XXXX which included gyms. At the end of XX/XX/XXXX gyms were permitted to re-open with restrictions. The gym where the membership was for did not re-open yet, which was not uncommon in many cities. So I waited a couple of weeks, and people were posting on social media that the gym was going to reopen in XXXX. I tried calling the facility multiple times, sent them an email to their general mailbox, and also posted a few times on their social media page to inquire when they would re-open. I waited because who would have known with the current environment we live in that they still might not open. So at the end of XXXX, I wrote a letter to Barclay 's to dispute my charge of {$500.00} because I saw that equipment was being removed from the gym location, indicating to me that they were not reopening. On XX/XX/XXXX and XX/XX/XXXX I got letters from Barclay 's stating that my dispute was assigned to a specialist. On XXXX I received a letter stating that my dispute was being rejected because too much time had passed between when the charge occurred and when I disputed it. The only reason why there was so much time between the two events was because of COVID lockdown, not because I was just procrastinating disputing it. The rejection was only because of the general rules that do not take into account what we are currently facing in today 's environment. The charge was for a two year membership, not a one time purchase, and the fact that Barclay 's never even reached out to  me to discuss the situation indicated to me that they only rejected it because of the time line, and did not even take the time to understand what the charge was for and the events that let up to the dispute. 

On XXXX I called Barclay 's number on the rejection letter and was told there was not anything the Relationship Manager could do for me but I could write another letter to have my case re-opened but  there was no guarantee that it would get resolved either because of the time that has passed between the charge and dispute. It's hard to communicate this information in a letter when it is much easier to explain it over the phone with a simple phone call.
Consumer complaint received 2018-12-31
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: Nelnet, Inc. (FL)

Dept of Ed/Nelnet desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-12-14
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. (TX)

The Fair Credit Reporting Act shows violations by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) These accounts violate the following sections : Section 602 Congressional findings and statement of purpose [ 15 USC 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Section 604 Permissible purposes of consumer reports [ 15 USC 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Section 605 Requirements relating to information contained in consumer reports [ 15 USC 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

and Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Considering my right to privacy, exclusion of reporting that isn't of criminal conviction, and the fact that I the consumer never gave the reporting agency written consent to report these accounts. The following accounts are being reported in error. Please delete the above accounts ASAP.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-22
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. (TX)

At the end of XX/XX/2017, I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NM)

When I came back from my mission field on  XXXX ,   XXXX  , somebody from   XXXX   XXXX   XXXX   called me to insist pay off the balance of unknown credit card. I came to know that a wrong person stole my personal information and made at least  XXXX  credit cards under my name and spent a lot of money. I did not know until that time. I have never received any bank 's statements of the fraudulent credit cards. I asked a credit agency,  XXXX , to send me my credit card records, then, I found somebody stole my ID and made cards from at least  XXXX  more banks. I wrote each bank to dispute the credit and finally, HSBC and  XXXX  did not solve the problem. Particularly,  XXXX   XXXX    XXXX   continue to send emails to insist pay off even though I sent my clarifications of the transactions of the fraudulent cards. At the beginning of disputing on  XXXX , the bank sent me statements of several months, of which card 's ending is  XXXX . I do n't know this card. I never received the card nor bank statements. I send them that the card was not mine. But the bank send me another numbers two times and transferred the balance of the fraudulent card ,  XXXX   XXXX  . They did not intend to correct the statement. They reported to credit agencies a very starance credit card number under my name. I do n't know how to do it.
Consumer complaint received 2021-10-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I contacted Equifax on XX/XX/2021 about some negative accounts that I need them to investigate. It's been over 60 days since I send them the letter which I attached with this complaint along with my ID. I know that under the Federal Credit Reporting Act they need to complete their investigation in 30 days.
Consumer complaint received 2024-02-11
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: Experian Information Solutions Inc. (PA)

My credit was destroyed by identity theft and I have done nothing but suffer from having poor credit I have complained multiple times and disputed many accounts that were opened in my name I filed XXXX XXXX bankruptcy in XXXX  and the problem im having is I never opened new accounts my info was compromised and the credit bureaus have done nothing to fix this I have not applied for no new accounts and they will not fix the issue Im tired of disputing info when they were all aware of the identity fraud this has been going on for almost 2 years and Im tired of trying to fix this I need help to correct these errors
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX TRANSUNION XXXX XXXX XXXX I have no idea when and how I was enrolled apparently to a program offerd for a charge of XXXX per month. I had no idea how I was put on this program. I called transunion at XXXX XXXX XXXX XXXX that is on my credit card statement. They did credit me for 3 months. And I want credit from XX/XX/XXXX to XX/XX/XXXX.