davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
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. (LA)

I writing you to lodge a formal complaint against LVNV Funding LLC. This debt collector placed marks on all three of my credit reports ( XXXX, XXXX, and XXXX ) without proper notification, as I received no dunning notification per required by the FDCPA legislation. Credit reporting is considered collection activity. When I attempted to send debt validation to the address they provided, the notification was sent back to me return to sender, as the address was inaccurately listed on my credit report. This company has an F with the XXXX XXXX XXXX, and has effectively destroyed my chances of getting a mortgage, as they have also incorrectly listed these accounts on all three credit reports instead of a collection account. Additionally, they have listed this item as a Factoring Lender, when per FCRA collection companies are not. I am requesting your office look into these allegations and help me procure a deletion from all three credit reporting agencies until this company can successfully validate my debt as they are mandated by law to do. I am considering legal action against LVNV, however, I felt compelled to urge your office to help me in my crusade to remove LVNV Funding and reestablish my name and credit. I am not sure if this debt is mine or not, however, their inability to provide correct addresses, and their intentional act of misleading their reporting should be enough to sue them, and should be enough for your office to force their compliance in this issue. I hope you can help me out in this matter, as I am going through the mortgage closing process and this one account has completely derailed my home purchase. Thank you very much for your time!
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I got a promotion offer to open a new checking account with HSBC in XXXX, 2018. I have met all requirements of the offer for more than 6 months. I have contacted HSBC more than 5 times for the {$350.00} promotion but no any response has been provided to date. Therefore, I am filing the complaint to request HSBC honor its promotion offer.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

PENFED Mortgage is not capable of servicing my mortgage. They have " lost '' my payment 3-4 times in the past year. In XX/XX/2019, they returned my mortgage payment and I had to re-pay the mortgage in order not to be late. They are blaming it on " system issues ''. Even though they said that everything was OK, the XXXX Mortgage statement shows that I did not pay the XXXX payment. It is very stressful and its becoming unfair and abusive on their part. I am sure other consumers have to go through this and they are not fixing this problem. Please supervise this Credit Union and make sure that they are complying with CFPB 's servicing 's rule and not violating the UDAAP rule. As of today, they still haven't returned my phone call regarding my " past due '' account which is not past due since I pay my mortgage on time.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I reported this incident back on the XX/XX/XXXX and nothing has been done and here is XX/XX/XXXX and I am still waiting on a resolution. I am so far behind on my bills because I I am in the negative and nothing seems to be getting done. My husband 's Tax return check is frozen and we have no money to keep going
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc (TX)

I signed a title insurance policy with XXXX XXXX  on XX/XX/XXXX. XXXX knew the title was defective when I signed on. The title 's effective date was XX/XX/XXXX. I discovered several defects in the title and informed XXXX in XX/XX/XXXX but the company has not responded. They were supposed to disburse or transfer money to me in the amount of {$210000.00} yet to date they are non-response. In the contract the company had agreed that " XXXX  XXXX XXXX XXXX XXXX insures your title resulting from defects arises before the effective date of the Policy, which is XX/XX/XXXX. '' Their business practices have caused me injury as they are false, deceptive and misleading. 

Among many of the defects were : the company under which the title was written XXXX XXXX XXXX XXXX XXXX ) was not authorized to conduct business in Texas or any other state, and the contract/policy XXXX signed me up with includes the following violations : 1.The Consumer Financial Protection Acts ( CFPA ) prohibition against deceptive acts and practices. 

2. The Texas Deceptive Trade Practices Act ( DTPA ) which protects Texans against false, deceptive and misleading business practices. 

3. Violation of Sec. 156.201 of the XXXX XXXX XXXX which states : ( a ) A person may not act in the capacity of, or engage in the business of, or advertise or hold that person out as engaging or conducting the business of a residential mortgage loan company in this state unless the person holds an active residential mortgage loan company license, is registered under Section 156.2012, or is exempt under Section 156.202. 

I therefore ask you to pursue this issue on my behalf, as they are not responding to me.
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. Please provide proof from the court of this public record. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I have asked for verification that this debt is mine and have had no resolve. I am unfamiliar with this account and it has been holding me back in my financial life. the account is listed with the credit bureaus with different opened dates from XX/XX/2016 to XX/XX/2016. The balance listed is {$570.00}. This is inaccurate information and I demand it be removed from my consumer credit file.
Consumer complaint received 2018-12-20
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: Experian Information Solutions Inc. (NY)

Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times.

.

XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2018 XXXX   Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX   Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017
Consumer complaint received 2022-03-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Company has illegally added a inaccurate unverifiable account to my report without proper validation and did not notify within 14 days before doing so also company has failed to remove inaccurate accounts even after I have pointed out laws that were broken and is ruining my reputation and ability to obtain credit
Consumer complaint received 2022-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

FEDLOAN is refusing to count qualifying payments towards forgiveness made to prior lenders who sold my loans to them ( i.e. XXXX sold my loans to FEDLOAN ). 
No wonder people are suing them and winning!! 
I submitted a detailed schedule with my application to no avail.
Consumer complaint received 2022-08-17
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. (TX)

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 an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EASTERN BANKSHARES INC (MA)

I came home from work on XX/XX/2022 checked my mail and found a debit card opened in Eastern Bank that I never opened. When i called about it after checking my social security number, birthdate, driver 's license #, email address etc most of which was incorrect I was told to call the police department to report the fraud and to report it to the FTC as well as the various credit agencies. 

The account was opened online on XX/XX/2022.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX IS inaccurately REPORTING AS FOLLOWS. 

XXXX XXXX acct:XXXX was paid in full and never late but is currently reporting as a delinquent Charge-off. Please remove from my credit report. 
XXXX XXXX XXXX WAS PAID IN FULL NEVER LATE AND REPORING CURRENTLY DELINQUENT. O Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount Child support enforcement acct : XXXX is reporting Inaccurate I have never had a delinquent acct. I do not owe XXXX XXXX XXXX. Please remove from my credit report. 
XXXX Account status Closed Date opened XX/XX/XXXX Account type Child Support Balance on XX/XX/XXXX Payment Info Status Paid, was a collection account, insurance claim or government claim or was terminated for default. 

XXXX XXXX XXXX XXXX account : XXXX Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Some time in XXXX I place a call to Target credit card. I ask the the Target Rep if I can skip a payment for XXXX due to the Covid 19. The Target Rep said she could help me with my situation. Then in XXXX I went online and paid my Target Account in full and thought nothing of it, until I went on my XXXX account and notice my credit score drop by 62 points. As it happen Target report me late on my payment and I was penalized for it. I call Target again and I talk to a Rep named XXXX I explained to her what had happened and she explain to me that she showed no records of me calling. We discussed my situation for a while and she said there was nothing she could do for me. So Im stuck with a negative credit report. Unfair
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (CA)

I have tried to get Chase/XXXX  XXXX Card Services to remove an old account that that has surpassed the 7 year reporting period for negative/delinquent account, yet it is still being reported because of incorrect information being reported by Chase/XXXX XXXX. 

I have Chase and well as contacted the Credit Reporting Agencies, but the no avail.
Consumer complaint received 2021-07-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Ive been trying to dispute information on my credit with XXXX  they keep replying back within one day of my dispute updated. I have never received proof or validation of account and will like my accounts removed as to showing my prove for XXXX XXXX and XXXX account paid off never late A collection for XXXX was never verified I was never giving proof or validation from creditor or credit bureau I feel like they not following the proper guidelines and are failing to do to proper investigation as to the fair credit act I will like validation from all my disputes immediately verifying validating these account
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MO)

I was staying in an extended stay hotel in XXXX XXXX  called the XXXX XXXX  On XX/XX/XXXX I went to the office to pay my rent and was told by the manager she couldn't take it because they were waiting on the health department. Then later that day I get a text from the manager of the hotel saying that we have to move and be out by noon on the fourth as they are going to remodel. So we were out on the fourth of XXXX. Then on the fifth of XXXX I check my bank balance and there were XXXX charges I didn't have any knowledge of total was {$640.00} I called my bank to find out that XXXX XXXX XXXX had charged my debit card they had on file for those charges of {$640.00} and I had no knowledge they were doing it what it was for or my approval as we was already gone. I called my bank PNC to report fraud and they were the ones that said the charges were from XXXXXXXX XXXX XXXX. I explained the deal to the customer service representative to be told it's obviously fraud and they issued my a temporary credit. Well I get a letter today XX/XX/XXXX from PNC bank saying their investigation said no error occured and they are taking out the {$640.00} out of my bank account on XX/XX/XXXX. I don't know how they can come up with that determination when I was already out of the hotel didn't owe any bank rent and didn't have no knowledge they were taking out that money or what it was for and I sure didn't give them authority to do it they did it all on their own using my debit card they had on file this is so wrong and very stressful I am on limited income and don't have the money to give to XXXX XXXX XXXX and not even knowing what it's for so wrong or having my authorization to do it talk about fraud big time and I have filed a police report
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

9 months ago I had to place a temporary freeze on my credit with Equifax. 

2 months ago I tried to lift the freeze. Equifax requested a copy of my social security card, but since they were obviously based outside the US I said I would not be sending that information. They said I could send my driver 's license instead. 

2 weeks later I received a letter stating that my credit was still on freeze until they received additional info. They said I could send a paystub. I called and they confirmed I do not need to send my driver 's license since they already have that information. I sent my paystub via fax as requested. 

2 weeks later I received a letter in the mail stating that my credit was still on freeze until they received my driver 's license. 

This appears to be an endless loop in which they continue to hold a freeze on my credit. 

I have tried calling but they will not help me until they receive a copy of my social security card, which I will not send to an overseas call-center. 

How do I get help with this situation? 

The last person I spoke with at Equifax was named XXXX but they would not disclose any additional information.
Consumer complaint received 2020-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (AK)

Lending Club reported this account as delinquent and ruined my credit. Their claim is false because their Payment Solutions Headquarters/Collections signed for my payment of {$19000.00} on XX/XX/2020. The payment wasn't due for Loan ID # XXXX until XX/XX/2020 and the payment was made in full. Lending Club locked me out of my account after I cancelled the consolidation loan. I cancelled the loan the same week it was approved because it was a bait and switch. I applied and was approved for a {$20000.00} line of credit at 16 % and Lending Club switched it to {$19000.00}. Lending Club agreed to accepting the {$19000.00} as full payment, if paid by XX/XX/2020. Lending Club lost my payment, which they signed for on XX/XX/2020 and the payment wasn't applied to loan ID # XXXX until XX/XX/2020. Also, Lending Club made an unauthorized withdrawal from my checking account on XX/XX/2020 and on XX/XX/2020 for {$19000.00}, which overdrew my account by several thousand dollars. I called Lending Club on XX/XX/2020 to follow up on my payment and the rep said that they still hadn't found the check. I told him that I was having the bank put a stop payment on the check and to call me if they found it, so I could have the stop payment lifted. Instead, Lending Club attempted to cash the check with the stop payment applied and the never contacted me when they found the check. As a result, the check was returned and I couldn't retrieve the funds until after 90 days. Lending Club agreed to accept the payment and close the loan if paid on XX/XX/2020, {$19000.00} pain in full. However, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 and I wasn't able to make an appointment with the bank until XX/XX/2020. Had they not attempted to cash the check with the stop payment applied, it would have automatically populated to my account on XX/XX/2020. Also, I could have lifted the stop payment, even before that, had they notified me when they found the check.