davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (IA)

I have tried multiple times obtaining verification on this debt account that is showing on credit report and I have been ignored all along. I disputed account with bureau and asked to verify or delete immediately as I do not recall having account open. I disputed account with the CFPB by mail and I havent heard anything from neither bureau or CFPB.
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (PA)

In accordance with a Fair Credit Reporting Act [ CB/NY & CO CB/VICSCRT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-26
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. (NH)

TransUnion report XXXX Inquiry : XXXX XXXX, XXXX I did not authorize for them to do a hard inquiry on my report when we were discussing about home loans XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX Both of these I went to the branch and they signed me up for the wrong credit card I tried disputing them and got a letter but was never removed XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I got a bunch of hard inquiries and got my credit ran a bunch for an auto loan XXXX Report FACTUAL DATA XX/XX/XXXX Same thing from the transunion report for the home loan did not authorize for a hard pull XXXX Same thing from the transunion report for the home loan did not authorize for a hard pull
Consumer complaint received 2021-04-15
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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Please send me proof of method of verification and sent me the contract that I originally signed. The only letter I received is saying that I owe. I have not received any communication regarding the validity of debt.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is not reporting my mortgage to the credit reporting companies. Mortgage co now states because I filed bankruptcy back in XXXX and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from XXXX stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Home Loan Center, Inc. (CA)

I was trying to get a loan and started to get on but then they kept asking to send money over XXXX XXXX XXXX and now they won't leave me alone when they say they are gon na take XXXX out of my account then say they can't do.that just get a gift card for XXXX dollars and just keep pushing me and threatening me saying the cops are gon na come to my house and give them the money and all this other stuff the company is called lending tree
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (MS)

I am in receipt of a follow up dunning notice dated XX/XX/2021, that was mailed to me after GC Services documented and signed for my certified letter to their company on XX/XX/2021, which was to CEASE and DESIST and provide me with validation of debt under the FDCPA. l had sent this letter within the allotted 30 days of their original notice to collect a debt. 
I placed a call to you GC Services on XX/XX/2021 which was on a recorded line in which a manager XXXX XXXX stated in fact that the dispute letter was on file, but GC Services had sent another dunning notice. I had requested proof of debt including contract signature, signed purchases and other. As of this letter, I am not in receipt of any such demands. 
GC Services did not send any validation of the proposed debt and did not cease and desist all collection activity regarding my request but rather sent another dunning notice which is clearly a violation of the FDCPA. Furthermore, the representative that took my call neglected to read me the mini-Miranda and verify my identity although we were discussing the proposed account which is another violation of the FDCPA. Not until I spoke to XXXX XXXX was my identity verified. 
GC Services violated the law when they sent me another bill and clearly disregarded my request to provide to me validation that I owed the debt,
Consumer complaint received 2024-04-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/XXXX I lost my job, I was unemployed until XX/XX/XXXX. In the meantime I was able to pay my mortgage out of savings until XX/XX/XXXX. At that point I called the mortgage bank for assistance and they told me that I qualify for a forbearance of XXXX months and that I will return to make regular monthly payments, however in XX/XX/XXXX I received a letter " Notice of Intent '' for foreclosure. I also requested a loan modification and the denied without letting me know. They want me to pay the last XXXX months the told me I will be in the forbearance. I have made XXXX and XXXX payments and now I can afford to keep paying.
Consumer complaint received 2022-07-07
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. (PA)

Wanted to get New Truck I ask them not to run my credit before anything and they would run my credit once they ran my credit few to many times, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX i try to use my bank of america XXXX debit card today and found out that my account is closed due to fraud. right away i call bank of america waited for an hour a lady came on so i explained to her that im trying to use my card why is getting decline? she look up my information and told me she cant help me at all for me to contact my sponsor which is XXXX. so i call XXXX  and finally got through the guy told me nothing was wrong with my account otherwise they wouldve reach out to me. XXXX told me that bank of america was the one who closed my account.for me to contact them. so after that i call bank of america again. the lady that came on this second time was really rude. she hung up on me i dont know why, im just trying to figure out whats going on with my account why is it closed? i really need my money and need to pay bills. i call bank of america over a thousand times and each person would tell me something different. they gave me the runaround back and forth from bank of america to XXXX and back from XXXX to bank of america. i need my money out from the account asap.
Consumer complaint received 2019-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I paid money to PayPal for a purchase from XXXX ... .I paid from my XXXX  on line account ... I did this on XX/XX/XXXX ... .PayPal sent me an email that I did not pay and that it was due ... .so I sent another payment to them on XX/XX/XXXX for the same amount ... both amounts were deducted from my account ... .I have requested the over payment to be sent back to me ... and I get the run around and lies and automated results that absolutely do not help ... I have talked to supervisors who promise to call me back ... but nothing happens ... for some reason one of the payments went to PayPal credit where I do NOT have an account and they do not help me either ... .I sent copies of the problem written down by me ... .copies of my bank statements ... copies of their emails telling me they have my two payments ... but I get no help getting my extra payment back ... I realise the amount which is {$41.00} May not he much to some people but we live on our social security and they have been horrible to deal with ... some how XXXX Back is involved with this issue too as they hold PayPal Credit services ... I need help ... .
Consumer complaint received 2022-07-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account XXXX : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account # : XXXX, 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 2024-04-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

On XX/XX/year> I check into the XXXX XXXX XXXX  at the XXXX fairgrounds in XXXX Florida. The hotel charged my card for a new deposit which they were supposed to return within 3 days of check out. They didnt and despite many phone calls, I got absolutely no where, so I went onto the cash app website and disputed the charge as it was for a deposit and not a room charge or a fee. I was very surprised when they almost instantly turned my dispute down with little reason other than saying that they checked to make sure there was no error and that no error orccured dispute denied. I was shocked its not like they even read my the dispute or had time to send it to the merchant ( the clearly are playing by their own rules and violating their agreement with XXXX on how the dispute process is supposed to work and even if in a dispute they remained neutral and evaluated charges and disputes objectively that would be fine but the company whom I am their customer seems to have it in for their clients and simply rejects things out of hand.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Section 489.128 - Fraud Contracts and unlicensed perform work on property without the proper permit. Non-permitted constructed. violated the building code. REQUIRED FOR TWO STORY HOME on 50x100 lot .Violations of building code. perform non-permitted construction work. Violated building codes, unlicensed contractor without pulling building permits, plumbing permits or electrical permits pulled. The 1,584 sq. ft. XXXX XXXX SUBDIVISION, TWO story building on sets on 50 X 100 LOT. WITHOUT variance or permits. The local governing body of the county or municipality may enforce codes and ordinances against unlicensed contractors under the provisions Florida Constitution SECTION 4.Single-family home 3 bed, 2.5 bath property. This home was built in XXXX and last sold on XX/XX/XXXX for {$600.00}. Property details, sales history and Zestimate data on XXXX. Location : XXXX XXXX, FL XXXX Construction codes violated by inspectors and builders who failed not inspected to comply with any building or uprooted trees of environmental regulations. Contractor or and construction filed fraud false representation. Failing to comply with any building environmental regulations. or Violations of 4 of the constitution .lot 50 x 100 ft. Fraudulent documentation construction fraud, are generally regulated by zoning laws and restrictions maintained by local distance from a property line Legally, are not obligated to pay an unlicensed contractor. Not building according to blueprint and paying taxes on improper footages of property.

Falsifying Applications and Invoices. Lot 204 Construction Fraud, The City of XXXX XXXX Contracting Without a License. In addition, Unlicensed Contractor was paid {$25000.00}. According to Section 713.02 ( 7 ) of the Florida Statutes, an unlicensed contractor or subcontractor shall have no liens in their favor. This Fraud is Unenforceability shall not affect the rights of any other persons to enforce contract, lien, or bond remedies homeowner can generally file a lawsuit for damages. Homeowner experiencing setback violations is that the building or structure 1. Inflating Labor or Material Costs charge over {$120000.00}.. Accountability, Amendment 4 unenforceable under this section, no lien or bond claim shall exist in favor of the unlicensed contractor for any labor, services, or materials provided under the contract or any amendment thereto. U XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-24
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. (NV)

On XX/XX/XXXX on noticed items were on my credit report that did not belong to me so I ask the credit agencys to please verify these accounts via ftc section code 609 but they refused to verity these accounts and continue to keep it on the my. credit
Consumer complaint received 2022-07-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

I was on the forbearance program for XXXX  months after the forbearance program mortgage company offered to modify my loan but instead of keeping payment the same or lower the monthly payment increased and the interest of the loan increased as well from 3.875 % to 5.125 %
Consumer complaint received 2021-06-15
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: CITIBANK, N.A. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-15
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX XX/XX/2022 I sent certified letters to all XXXX XXXX XXXX agencies as well as the collection agency, XXXX XXXX, in XXXX, OH and University XXXX that placed a {$210.00} unpaid bill for collection on My accounts. I included XXXX pages of documentation proving that I was not responsible for the unpaid bill and OPTUM acting for the XXXX XXXX specifically stated as such in this documentation. XXXX is authorized to act for the XXXX. Furthermore, the bill went unpaid because the hospital did not seek re-embursement within the required XXXX  day window, perhaps because of the start of XXXX? There are numerous other inaccuracies on My accounts which I detail in each letter. 

In reply letters, XXXX resolved the issues, however, XXXX and Transunion refuse to take the necessary action to resolve the situation despite a follow-up phone call directly from Me. I can not waste any further time with these unresponsive agencies. I must have the inaccuracies rectified in order to access My eBenefits account with the XXXX. which uses ID.Me to verify My identity using information directly from My Credit Report. 

All the pertinent details are included in the letters I sent to these credit agencies on XXXX XX/XX/2022.
Consumer complaint received 2021-06-15
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: AFNI INC. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-15
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-07-07
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. (VA)

Equifax has an online dispute resolution center where users can dispute fraudulent information on their credit reports. I used this tool to submit a dispute for a fraudulent account that was opened in my name in XXXX of 2022. I attached a police report to this tool that clearly spells out : XXXX the same account number as was used on my account XXXX the crime and arrest of identity fraud XXXX the account balance that matches the amount on the account as shown on my credit report Despite sending all of this information over, Equifax replied and stated that their investigation concluded this account was indeed mine, and not a fraudulently opened account. 

I called in to check as to why the account was not removed. The associate over the phone let me know that when a dispute is filed online, their process is to NOT look at any attached documentation to the dispute ( which the online tool does ask for ), and instead just reach out to the creditor associated to the account that is disputed as fraudulent. So, Equifax did not even use the police report i filed in their dispute resolution process. 

I was then notified that if i wanted to have my police report considered, i would need to mail it into Equifax and supply a letter to their mailing address. I asked the associate over the phone why they ( the associate ) couldn't just forward the document that they could see on my dispute form to the proper department or resolve the issue themselves, since they did verify they could see the police report and the information on it. They said they had no process for an internal transfer of documents/they could not help, and my only way to have this resolved was to mail the documents in myself. 

This process is time wasting, confusing, and potentially dangerous to consumers. due to this process, some consumers may file a fraud report online and believe they have no additional recourse if Equifax deems the account to be legitimate. Equifax is not fulfilling their duty to remove fraudulent claims as a credit bureau by forgoing the review of documents supplied by victims of identity fraud. Also, its concerning that one of the major credit bureaus is unable to have agents process dispute claims while having information in front of them or forward documents to the necessary party to process the claim. Not to mention the waste of unnecessary paper and money by forcing consumers to mail in a physical copy of a police report and pay for postage.
Consumer complaint received 2021-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.