davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-29
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. (NJ)

Late Payment remark associated with XXXX XXXX is inaccurate and incorrect. Numerous attempts with each credit bureau have been made to address this issue to no avail.
Consumer complaint received 2017-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (NY)

First time they called I answered no one was there and they hung up on me. Now they call twice a day. I do n't answer the phone since I did not know who they are. Upon looking the number up it is from XXXX XXXX XXXX, a supposed debt collection service, that has numerous complaints as a scumbag company. I do not owe anyone money, therefore they have no reason to call. Please put these dirtbags in Jail!
Consumer complaint received 2018-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with XXXX XXXX XXXX ( XXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against XXXX XXXX XXXX ( XXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my XXXX XXXX   and my XXXX XXXX remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but XXXX XXXX  failed to pay the accounts off. I was told of " Account Protection '' should I become unemployed, death or ill. Sound familiar I was one the millions of consumers XXXX XXXX ( XXXX XXXX  ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as XXXX XXXX is up to it's old tricks. The accounts have reappeared as XXXX XXXX and XXXX XXXX XXXX. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop XXXX XXXX XXXX ( XXXX XXXX ). My family and I only have our credit which has been ruined by XXXX XXXX  refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that XXXX  is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that XXXX XXXX  is following through on the Court Order?
Consumer complaint received 2023-01-13
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)

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX Balance : {$1800.00}.
Consumer complaint received 2022-12-02
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. (RI)

In accordance with the Fair Credit Reporting act Fair Collections and Out Account # 4390338, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. XXXX XXXX XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my innovis report the account states it is to be removed from my report XX/XX/XXXX which XXXX did not agree to. 

Creditor ; XXXX XXXX XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX Disputes XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (SC)

From XX/XX/2021 to this present day Navy Federal Credit Union has refused to reimburse me {$33000.00} of Insirance Claims money I was scammed out of by a contractor that I hired. This could have been prevented if the Navy Federal insurance claim agent, XXXX who was handling my claim had taken a few short moments to request the necessary documents that would have prevented the contractor from being able to scam me. There was no request for a contract, NFCU just requested an invoice from the contractor, the Member Declaration form wasnt presented to me which in itself would have deterred the scam and also would have protected NFCU from lawsuit. Also, the inspection company hired by NFCU lied on the inspection report stating that I was satisfied with the work being done and also on his reports the question was asked if any necessary permits were pulled and he answered N/A. Which is false because my house was a total loss due to a structure fire. In the county where I live a building being repaired from such damages needs a building permit pulled from the county. Ive spoken to NFCU concerning this matter and the reimbursement of the money lost through email and phone conversation.
Consumer complaint received 2021-09-23
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. (OH)

Credit report have a Dark Web Alert and my personal informations like SS and email and phone is compromised on XX/XX/XXXX which appeared on XX/XX/XXXX with XXXX company.It is a identity theft and breach so I am disputed and please delete dark web on my credit report.
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My loan was sold to Shellpoint from Green Tree.

Shellpoint put my wifes name on the loan. My wife has NEVER been on the loan. Shellpoint has started putting my wife on the mortgage statements. She has never been on the loan from the start. I want her name to be removed from the loan. She was never on the loan. Remvoe her name from the mortgage statement.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXXXXXX Inquiry DateXXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2021-07-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good afternoon, I am contacting the Consumer FInancianl Protection Bureau for an HELOC for {$60000.00} which I took from countrywide on XX/XX/XXXX. However, Countrywide went out of business and Bank of America took over, servicing or bought the account. In XXXX Bank of America extended an HELOC for {$80000.00} for the purchase of a business on the same property. However, Bank of America sent me a forgiveness letter on XX/XX/XXXX forgiving that {$80000.00} HELOC I took out on my house from BOA, but it did not record a satisfaction nor did it send me a forgiveness letter reg

arding the first {$60000.00} from the HELOC originated from Countrywide. However, Public record shows the HELOC from countrywide was satisfied on the same date as BOA recorded its mortgage satisfaction for the {$80000.00} it forgave, but there is no document on the clerk 's website showing a satisfaction that was recorded by BOA for the {$60000.00} HELOC issued by Countrywide and took over by Bank of America. Now there is new servicer that is trying to collect on the same old {$60000.00} HELOC issued by countrywide. Its name is XXXX XXXX XXXX, XXXX. XXXX indicated that that HEL

OC was a second mortgage, which was not because it was an HELOC I took after I owned the property well over two years. I believe they disguised it as second mortgage to evade the settlement for preditory lending by Countrywide. I am requesting assistance to look into that whether BOA failed to take steps to record
a satisfaction for that HELOC issued by countrywide and forgive that loan under the term of the settlement agreement with the Department of Justice and the State Attorney General I am attaching a copy of the forgiveness letter and copy of the document that showed the {$60000.00} was satisfied.

I look forward to hearing from you.

Best regards,
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I am a 100 % XXXX XXXX who went to my county to request an tax exempt for my XXXX rating. It went through and the county of XXXX refunded me XXXX of taxes I paid that I never should have paid. They sent the money to XXXX who sent out the funds to my current mortgage loan holder and a past loan holder who is Speicialized Loan Servicing LLC. The amount sent to them was XXXX. And it has been 2 months and they can't legally keep that money past 30 days. I been getting the run around and I am starting to think they are going to try to keep my money that is rightfully mine. I just want my money and don't know who to turn to for help.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My account had multiple withdrawals by a company named XXXX that withdrew money and then modified the amount of money that was withdrawn. It also stopped me from withdrawing my own money when it said I was allowed to do so at any time. 

The company violated the rules of the ACH Network by fraudulently withdrawing funds and then altering the amount withdrawn. It also performed false advertising all of which was in violation of ACH Network rules. When contacting Capital One to resolve the issue and filing multiple complaints with them, Capital One always responded on the last day of the allowed time and declined to resolve the issue. Capital One took fraudulent paperwork provided by the company XXXX to call these transactions authorized and refused to look at any of the documentation I provided in my rebuttal that clearly show a violation of the ACH Network rules. 

Several banks have come to the conclusion that XXXX fraudulently withdrew money from customers accounts including Capital One in certain cases. However, even after proof was provided of other banks refunding money to their customers because of the same issue, Capital One has not refunded my money and consistently denied my claim. 

I also filed XXXX complaints and provided these to Capital One but all of these were completely ignored.
Consumer complaint received 2021-04-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BAY COUNTRYCONSUMER FINANCE,INC. (MD)

I was approved for an title loan through bay country in XX/XX/XXXX. My car was repossessed in XX/XX/XXXX. I attempted to get my vehicle out by paying what was due. My lender told me I I had to pay XXXX to get my vehicle back. Paid bay country only to find out I had to pay the same amount to the repossess company and XXXX-XXXX  a day going forward. The XXXX I was paid to bay country was all I had which I explained to them. They told me its nothing they could do. I got my tax refund a month later and got my vehicle out for approximately {$950.00}. Pandemic began in mid XXXX which included an state wide Moratorium putting a stop to evictions and repossession. I was unemployed due to the COVID and told bay country I wont pay when I get funds. We spoke monthly to see if my situation changed it did not. XX/XX/XXXX I called to make a payment the very next month my account was sent to collections department. I was told that the full amount of my loan was due and I no longer qualified to make payments. My car will remain in repossession status until the full balance is paid. Original loan amount was XXXX now I owe XXXX.
Consumer complaint received 2019-07-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SRA Associates, Inc. (CA)

On XXXX @ XXXXXXXX XXXX PST, XXXX XXXX called my cell phone asking for a XXXX XXXX  aka XXXX XXXX. I told them in no uncertain terms that it is a wrong number, I know of no XXXX, I do not know what XXXX XXXX is, and to take my number off of their database. The representative assured me they did. 

However, on XX/XX/19 @ XXXX XXXX PST, XXXX XXXX called me yet again. Obviously the previous representative did not take me off their database and they continued to harass me, knowing the number is wrong. 

Lastly, is there any way to get my number off of the debt collection rolls for XXXX XXXX? I made a report back in XXXX regarding XXXX XXXX XXXX calling me for the same debt.
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I used my Citicard to make a XXXX XXXX transfer. I did not know it would be considered a " cash advance ''. I was already paying XXXX XXXX a fee. There was no notification that it would be considered a cash advance. In fact, I looked for the charge on the account on-line and it was listed there with all the other charges. There was no indication it was classified as this. The last day of the billing cycle, they changed it to Cash advance and also charged interest. If it was listed on line or advised I would have went to the XXXX XXXX office or at least mitigated my costs.Why would I pay {$13.00} on a {$80.00} transfer? When I received the bill, I spoke to a number of reps who all said they could not do anything. I was charged {$10.00} + interest. It is not the money but the fact that they are unethical and fraudulent in how they do business. I told them I was disputing and they said I could n't. I immediately cancelled the card and paid the bill less the charges I felt were not valid. Unfortunately, a merchant credited back some money and it was accepted by them If I cancelled the card, why did they accept the credit back? So it left me with zero recourse other than complain to whomever will listen. As a customer of theirs who has paid their bill on time for five to ten years or more at the very least they should have understood the circumstances and credited me. If they are doing this to me, they are stealing from everyone. There should be a class action lawsuit against these fraudulent practices.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/year> Subject : Request to Remove and Block Fraudulent Information Under Section 605B of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to inform you that I have been a victim of identity theft. This letter is a formal request pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to remove and block all information from my credit report that resulted from fraudulent activities conducted by an identity thief.

Please note that some of the fraudulent accounts or inquiries may list names and addresses that differ from my own. These discrepancies are a direct result of identity theft. The name and address deliverable to me by the United States Postal Service ( USPS ) are as listed at the beginning of this letter. For verification purposes, I have included copies of documents that prove my current residence, such as a utility bill and a government-issued identification card.

Update Address and Name to FRAUDUENT ADDRESSES that may appear but do not belong to me. please remove and delete the following :
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We signed a home purchase contract on XX/XX/2021. At the time we had a preliminary loan approval from a mortgage company recommended by our realtor. In the following days we were offered a significantly better rate from Bank of America. We talked to XXXX XXXX at Bank of America on XX/XX/XXXX and began the process. MrXXXX XXXX stated that he may have trouble making our settlement date of XX/XX/XXXX but would work to complete it within a few days of said date. 

Bank of America 's online document portal proved cumbersome and Mr. XXXX asked that we send all documents to him directly. This began a continuous process of Mr XXXX and the automatic portal asking for documents and us providing required documents always on a timely basis. I will note that Mr. XXXX response time during this period did not indicate that time was of the essence. 

Bank of America and MrXXXX XXXX insisted that the inspection, survey and appraisal all be completed immediately and paid for outside of closing. The inspection was completed on XX/XX/XXXX, we received the survey on XX/XX/XXXX and the appraisal was complete by XX/XX/XXXX. We then contacted Mr XXXX to find out if we could still close on XX/XX/XXXX only to hear that he thought underwriting may take until mid XXXX. 

Mr. XXXX then offered us multiple other options, all involving an equity loan on our residence. 

We are not interested in a home equity loan. We are only interested in a loan secured by the property we are purchasing, the loan we started out asking for in XXXX, but they are forcing us to either lose this deal because the sellers are ready to back out and take our deposit, or take what they offer. In addition to our deposit we would lose the money we paid for the survey inspection and appraisal, total over {$5000.00}. 

I will state that myself and my wife both have credit scores above XXXX, we own multiple properties with XXXX debt on them, one car loan of approximately XXXX and no other debt. We have substantial stock portfolio and our income is above XXXX. 

Is this a " Bait and switch '', it feels like one.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-04-09
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.