davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
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. (NY)

I am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of XXXX and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, thank you.
Consumer complaint received 2022-12-04
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-10-16
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: SYNCHRONY FINANCIAL (NJ)

I am writing this complaint due to the non-compliance of XXXX credit reporting agency to remove an account that does not exist. they have failed to remove information being falsely reported SYNCB/AMAZON PLCC, XXXX XXXX, XXXX Fl.XXXX ( XXXX ) XXXX I do not have and never had an account with this company. I have placed several calls to this co. requesting they remove this inaccurate reporting. when I call they have no record of any account number associated with my name. I have never applied for an account. 
On XX/XX/19 I talked to a service rep named XXXX. XXXX started a fraud file that would take 30 days to complete. On XX/XX/19 30 days latter, I talked to another rep. named XXXX, she said it takes 60 days to complete the investigation. On XX/XX/19 I requested a supervisor named XXXX, she said she needed to start a new file, and does not know how long it will take.iam asking CFPB to please investigate this matter, help me to remove this bogus inquiry and provide me with an updated XXXX credit report. thank you
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Suttell, Hammer & White, P.S (WA)

Suttell & Hammer refuses to provide me with a sworn affidavit that I owe XXXX XXXX any money, they keep sending me statements of an alleged account. However XXXXXXXX XXXX owes me a substantial amount of money since they securitized an account in my name, along the application, account and receivables and they have committed securities fraud and are being reported to the SEC. 

I have sent Suttell and Hammer and XXXX numerous notices and they will not comply with my CEASE and DESIST notices which is a violation of my consumer rights. 

Additionally, Suttell and Hammer and XXXXXXXX XXXX sued me in California when I did not live there and improperly served me and filed a frivolous lawsuit against me when XXXX XXXX doesn't have legal standing to sue since they sold the account opened in my name to a trust and they did not have my permission to securitize the application in my name, the account in my name and any receivables submitted to them under my name. They both are committing identity theft at the highest degrees and they never had my explicit consent to share, use, collect, sell, store, distribute my personal identifiable information to anyone. 

Pursuant to Washington Law RCW 63.14.125 taking security interest in lender credit cards agreements is illegal. 

Suttell and Hammer is working with XXXX XXXX  to commit fraud.
Consumer complaint received 2019-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I never had these insurance companies. I was a victim of identity fraud and it was documented. This company CCS Collections has placed 2 accounts in collection. No notice via phone, email or mail to my home. I never had these insurance carriers. I also never got any calls or emails like I previouslt stated. How can this be placed in collections without validity? That's against the law.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Madison Management Services, LLC (PA)

Loan was transferred XXXX ( SEE PROOF ) was behind, mortgage statement showed {$970.00} as you can see then {$2000.00} which is correct mortgage, said was {$8000.00} behind i paid it! IVE BEEN ASKING FOR PROOF OF PAYMENT HISTORY, PRIOR AND NOW WITH NEW SERVICER and all i get is a statement THATS NOT WHAT I NEED! I didnt mess up the transfer now there is a sale and want a huge down payment knowing i only owe $ XXXX and house worth $ XXXX. Need to modify loan and i am trying to get another hard money loan but need time and NEED PROOF OF ORGINAL NOTE, PAYMENT HISTORY NOT STATEMENTS! Know am behind but when servicer sends INCORRECT MORTGAGE STATEMENT then WANTS TO FORECLOSE is ILLEGAL!
Consumer complaint received 2019-10-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT**** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT**** )
Consumer complaint received 2022-12-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CONST LLC (TX)

" The company CONST LLC also known as XXXX and XXXX has suddenly shut down with no explanation to investors. 
CONST LLC XXXX XXXX  ) is a platform that operates like a HELOC loan for peer to peer lenders to connect with cryptocurrency portfolio holders. XXXX holders are able to receive a USD cash loan by placing cryptocurrency as collateral for their loan. The loan is funded by a pool of money from USD cash investors. 
CONST LLC XXXX XXXX  ) portrayed to investors that their platform was unique because the collateral from borrowers would autosell in the cryptomarket if prices fell bellow 110 % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. 
On XX/XX/XXXX the company went dark. They informed all website users ( www.myconstant.com ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I personally have {$900000.00} invested with the company. 
LLC business license number. California # XXXX Delaware XXXX : XXXX
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I obtained a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.
Consumer complaint received 2019-07-31
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. (IL)

I have been seeking to have Equifax remove fraudulent inquires from by credit report for the last several months. I was repeatedly told by Equifax that I could not question these inquires and that I had to contact the issuers that made the inquire and have them report to Equifax that these inquires were made due to fraudulent activity. Despite the fact that I am not sure I did not have the right to question these inquires, the problem was that I had contacted the issuers multiple times, and each of them indicated that they had so reported to Equifax more than once. After months of effort, an Equifax representative finally told me that I could have these inquires investigated by Equifax if I faxed a written request with certain information and supporting document. I did this on XX/XX/2019. On XX/XX/2019, Equifax sent me a letter stating that they were unable to locate my credit file. This is a blatantly implausible statement. Equifax had sent me my credit report on XX/XX/2019, and it was identified by a specified Confirmation Number, which I was required to include in my letter. Thus, it is simply impossible to believe that Equifax could not find my credit file using its own Confirmation Number. This seems to me to be a continuation of Equifax ' unwillingness to take reasonable and appropriate action to investigate and correct, as appropriate, false items on one 's credit report and to throw up obstacles to doing so. Equifax claims that it need me to mail it evidence of my social security number along with official evidence of my address. It is incredible that Equifax would request anyone, let alone someone who already had their identity stole, to send such personal information throught the mail, especially when Equifax was already provided, at its insistence, with their own Confirmation Number for my credit file. No one should have to risk, needlessly, sending such information through the mail.
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have filed disputes with the credit bureaus well over 30 days ago, filed a police report and called the creditors, The following accounts were not opened by me and falsely reporting to my credit report : 1. Bank of America : opened XX/XX/XXXX, 2. XXXX XXXX ; opened XX/XX/XXXX 3. XXXX ; opened XX/XX/XXXX ; Account # XXXX 4. XXXX XXXX Account # XXXX 5. BK OF AMER Date opened XX/XX/XXXX Account # XXXX or XXXX 6. XXXX XXXX : Account # XXXX Date Opened : XX/XX/XXXX 7. XXXX : Account Number : XXXX 8. XXXX : Account # : XXXX Date Opened : XX/XX/XXXX 9. XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) acct # XXXX The following inquires were not authorized by me : 1. Bank Of America ( Bank ) XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX - XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XXXX XXXX : Date XX/XX/XXXX
Consumer complaint received 2019-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (NY)

I received 2 notices in the mail to pay a toll violation debt. I know it is fake because the license plate is obsolete, all violations have been paid, and I have an EZ PASS prepaid toll pass. The letterhead is in XXXX but the mailing address is XXXX Their website is designed only for payments and nothing else. When I searched for this violation on the XXXX state toll website, there were no matching records for this license plate, violation number, or reference number. I think this is a scam firm trying to collect fake debts from gullible people.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you regarding the presence of late accounts on my credit report that are severely impacting my financial standing. I demand the immediate and unconditional removal of these late payments to rectify the injustice that has been perpetrated against me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Portfolio Group LLC (SC)

I actually have two issues, but the site would only let me select one. So along with the repeated phone calls they also used language that was perceived as threatening. This phone number has called me 33 times between XXXX and XXXX which is definitely in line with harassment. Their number comes up as a potential scam number on my phone, so I have not been answering. I finally decided to call back. The agent identified himself, but not the company he worked for and asked for my name. I did not give him my name because my phone has said this is a potential scam caller. After some back and forth he said word for word that " I was screwing myself by not listening to him and this could mess up a lot of things for me ''. I have this whole call recorded. He hung up on me and I called back and explained to the new agent what happened. He removed my number from the call list, but that still doesn't excuse the way the first agent talked to me. His words were very much perceived as a threat.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I have been trying to get a loan modification and the servicer, Mr. Cooper, has been giving me the runaround. I've had to send the same documents over and over. Now, they are saying they have the documents, however, they can't do anything because the sale date is now less than 37 days away. Mr. Cooper started asking for proof of occupancy. I have given them utility bill 's, tax returns, bank statements. Then they asked for a luxury bill, I don't know why a luxury bill would be better than all of the above mentioned items. Nevertheless, I provided it. Please help me save my home. I've done and provided everything I was asked for in a timely manner. 

Thank your for your help. 

XXXX XXXX
Consumer complaint received 2018-09-07
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: EQUIFAX, INC. (UT)

XXXX XXXX is reporting on my credit for a debt that is not mine. IT shows its from 2012, which is old and past the statute of limitations also. 
I have never received anything from this company, they just posted to my credit. By laws they are supposed to notify me. This debt is erroneous and not mine! 
I have disputed it with the bureaus and they have done nothing.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for two mortgages with Bank of America. I fully disclosed by situation to the loan officer. I let them know my income ( b/c I am commission based ), assets, other rental properties, the rents I was collecting and what showed on my tax return. They even received a copy of my statements and tax returns. 

I was applying for 2 rental property purchases using a portfolio loan. From doing other real estate transactions ( I already owned 6 properties and have done numerous refinances ), I know that utilizing a portfolio loan can be tricky with their guidelines. So as to save time and headache I wanted to be fully transparent with the B of A loan officer. 

The loan officer told me the loans could be down and started the application. He took my deposit for the 2 appraisals which totaled nearly {$2400.00}. After all was said and done they came back with numerous guideline issues on my application. They said that for portfolio loans they would only allow up to 4 financed properties and that a ton of the rental income could not be used b/c I rent out the properties on XX/XX/XXXX.

I was declined for the debt to income and too many financed properties guidelines. After I spoke with the loan officer regarding a refund for the appraisals since they submitted my application without knowing their own internal guidelines. I would have never paid the fee if I knew that these were guidelines and would have asked them to speak to an underwriter first before proceeding with the application. 

Also, I ended up doing the loan with Guaranteed Rate and their appraisal fees were half at XXXX for the same appraisals. 

I am requesting the B of A reimburse me the appraisal fees since they are taking applications and charging consumers without their loan officers understanding their own internal guidelines. 

Any help would be appreciated. I have made over 10 phone calls to the loan officer and his managers with no call back regarding this. 

XXXX XXXX NMLS ID XXXX Loan officer XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC (OH)

On XX/XX/26 I was notified by the XXXX XXXX working on my house closing that their was a lien against me. Therefore, the XXXX XXXX paid the lien with my extra from closing costs. 
However, I settled with XXXX XXXX for {$1900.00}. XXXX XXXX relief has made 4 payments to them ( XXXX XXXX ). The XXXX XXXX paid them {$2100.00}, which was more than my settlement. Simple math tells you that you should take the amount of settlement and subtract those 4 payments. Levy LLC says I'm owed nothing. Wont release information to me and wont tell XXXX XXXX XXXX Account is paid in full so XXXX   XXXX XXXX stops paying them. The lien is still not removed.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX XXXX was taken from my XXXX account via a Bank of America debit card. I have contacted Bank of America more than ten times, the bank has refused to investigate the claim of fraud, then closed the Bank of America debit card account. Bank of America does not communicate with me. I have not received any information relating to the missing money ( XXXX ) As of today there is no information relating to my claim. Today I contacted Bank of America requesting any documentation relating to the fraud claim. The associate I spoke with refused to send the documentation I have requested relating to the missing money from my EDD account.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

I bought an HVAC system from Lowe 's using their store credit card. There was a 0 % interest offer for 12 months ; I told the salesperson I would only purchase if I would get this offer, because i Intended to pay it monthly. I was repeatedly assured I would have a 0 % interest for 12 months. 
first statements show 0 % interest, but then it that was changed to 27 % interest which I only realized three months later. I often work very long hours on XXXX XXXX and do not have much time to check if the terms of a contractual agreement have suddenly been changed. I called Lowe 's credit card company, went to the store several times, I showed all the documentation where 0 % interest was written, yet I was told that they could do nothing to fix this because I had been given a discount. A discount I never asked for. 
Apparently if the customer gets a 5 % discount, it precludes the 0 % interest offer ; I was never informed of this or asked if this is what I wanted. This is a very deceitful practice, very wrong.
Consumer complaint received 2022-12-04
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. (CA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these deleted Its been over 90 days and still havent gotten a response according to the FCRA anything that has been fraudulent or unauthorized must be removed off my credit report. I have also submitted an identity theft report and still havent gotten these inquires removed.
Consumer complaint received 2019-10-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I HAVE WRITTEN EQUIFAX AND I HAVE WRITTEN XXXX, NO HELP WHAT SO EVER.. ITS SAD BUT THE BUREAU 'S AND THE BANKS HAVE TOO MUCH POWER,, WAY TO HARD TO CORRECT REPORTING MY WIFE AND I ONLY WANT TO BUY A SMALL HOUSE FOR THE FAMILY
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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