davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX  has XXXX, ACC # XXXX as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and Equifax has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. XXXX  has XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and Equifax has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. XXXX  has XXXX  XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and Equifax has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. XXXX   has XXXX  XXXX XXXX  XXXX XXXX, ACC    # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and Equifax has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. XXXX has XXXX XXXX XXXX, ACC # XXXX/ XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX , ACC # XXXX High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and Equifax has the following info claiming to be accurate as XXXX XXXX XXXX, ACC # XXXX High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another?  This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA advertises ZERO LIABILITY for fraud. USAA has left me liable for fraud charges that occurred beginning XX/XX/XXXX. See attatched 4 four Letters. Three dated XX/XX/XXXX that give card ending XXXX Transaction date XX/XX/XXXX {$15.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$17.00} XXXX. Kindly Note All three of these transaction charges and dates ** are included in what I reported UNAUTHORIZED. There were {$470.00} total reported fraud by me sometime in XX/XX/XXXX I am thinking. My XXXX statement closed XX/XX/XXXX The statement would have reached me XXXX first week. I do not have an elaborate computer as USAA does to document dates I called fraud. I have a XXXX  XXXX as well AND APOLOGIZE IN ADVANCE that I have No Access due to my XXXX. The letter dated XX/XX/XXXX DOCUMENTED MY CLAIM DATE AS XX/XX/XXXX. I based my info on USAA documentation. What I do KNOW : The card ended XXXX in XX/XX/XXXX. The letters XX/XX/XXXX ALL CREDITS WERE BACK ON CARD AGAIN XX/XX/XXXX as New Purchases. Permanet was Not permanet. NO USAA CREDITS have appeared on statements from XX/XX/XXXX to XX/XX/XXXX LISTED AS TOTAL PAYMENTS AND CREDITS for this period. AND What ever date I did really report {$470.00} UNAUTHORIZED MY FRAUD card XXXX WAS ALTERED to DISPUTES on card XXXX AND ONLY {$59.00} credits were given when I reported {$470.00}. AND THEY WERE BACK ON CARD XX/XX/XXXX DISPUTE NOT IN MY FAVOR. USAAs INFORMATION IS NOT HONEST.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has a Chapter XXXX Bankruptcy, REF # XXXX as Date Filed : XX/XX/XXXX, however XXXX   has the following info claiming to be accurate, Chapter XXXX Bankruptcy, REF # XXXX as Date Opened : XX/XX/XXXX, and Equifax is NOT reporting this information AT ALL!!! Also XXXX has XXXX XXXX, XXXX # XXXX Balance of {$3500.00} as Date Opened : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX, and Equifax has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately. I also asked if they would update my personal information in their system, they have not done so.
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

Specialized Loan Servicing LLC ( SLS ), owned by an Australian-based company, XXXX, conducted a non-judicial foreclosure sale on my property on XX/XX/XXXX during a forbearance agreement and could not validate if the loan was in default at the time of the nonjudicial foreclosure sale, rescinded the non-judicial foreclosure sale due in part to a complaint filed with the CFPB ( case number XXXX ), and offered a loan modification in XXXX. However, SLS, the servicer and debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ), and the lender, XXXX XXXX  XXXX XXXX XXXX, as indenture Trustee, for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) have not validated the loan balance as requested by Real Estate Settlement Procedures Act ( RESPA ) Qualified Written Request Letter ( QWR ) - Request for Information and Notice of Error pursuant to Section 6 ( 12 U.S.C. 2605 ) despite signing an affidavit under oath in XX/XX/XXXX that the mortgage loan balance is accurate. On XX/XX/XXXX a QWR letter was sent to SLS and a SLS representative verified in a call on XX/XX/XXXX that they did not completely validate the accuracy of the mortgage loan balance from the prior servicer ( s ) in their response as required by CFPD debt violation procedures. On XX/XX/XXXX a second QWR letter was sent to SLS per their request during a conversation on XX/XX/XXXX which is a violation of RESPA Section 6 since they should have validated the mortgage loan balance within 30 days from the XX/XX/XXXX QWR letter or stop collecting loan payments until the error could be addressed. I requested that they stop collecting monthly mortgage payments until they verify the accuracy of the mortgage balance and they did not. I believe that the current mortgage loan balance is well overstated and is causing me financial harm. Also, XXXX can not verify if my mortgage loan is included in the Trust ( i.e, XXXX XXXX XXXX XXXX Callable Mortgage-Backed Notes, XXXX XXXX ) which is in violation of New York Trust Law, SEC regulations and IRS regulations. A XXXX executive signed under oath that my mortgage loan is included in the Trust, but have not been able to provide any evidence. In additional to the violation of RESPA and FDCPA requirements, I believe that SLS and XXXX are in violation of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act by filing a false and misleading affidavit. They should be able to prove the loan balance owed and prove that the loan is indeed in the Trust. I believe that SLS and XXXX are engaged in unfair, deceptive or abusive acts or practices that violate federal consumer financial laws.
Consumer complaint received 2020-02-20
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX   XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX/XXXX   XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX/XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Consumer complaint received 2020-02-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (FL)

This is my second complaint, regarding this issue. A consumer Ligation attorney has advised me create this paper trail between myself and the Santander USA. The response letter you sent shows you wholly responsible for not reporting my account accurately to the Credit Bureaus. If you do not fix this issue, My next step will be litigation. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Florida XXXX The Complaint Department. Consumer Financial Protection Department I opened a Car Loan account with Santander Consumer USA in XX/XX/XXXX. I have made ontime payments since then, see documents attached. I notice on XX/XX/XXXX that Santander had completely taken off the account from my XXXX Credit Report, i have spent the last 3 weeks trying to resolve this issue with Santander. This has impacted my credit score. I need this Santander to report this account to XXXX
Consumer complaint received 2020-02-20
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. (CA)

In early XXXX of XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under a new XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone umber. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than 10 separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX filed with claim representative XXXX XXXX. report number XXXX, contact number XXXX. I was promised resolution within 10 days and never received any further contact Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Consumer complaint received 2020-02-20
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: LOBEL FINANCIAL CORPORATION (UT)

Lobel Financial Corp # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (KY)

This " debt '' came from an inaccuracy in insurance information 4 years ago, which was handled and paid by insurance. It showed that no insurance was available which was a mistake. This account has now gone through several debt collection agencies.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

I never got a letter stating I owed a debt from XXXX. This collection was placed on my credit report on XX/XX/XXXX. I contacted the debt collection company and requested a Debt validation letter. The man on the other end of the phone informed me it would take about 30 days. To the current date, I still have not received any formal debt validation letter from PHOENIX FINANCIAL SERVICE. While the collection has been removed from the other credit bureau 's it still remains on XXXX phoenix Financial service can not prove I owe this debt. I would like it removed from my report
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (CA)

Received on XX/XX/2023 a prepaid card from Chime including my name and an account number I did not request or inquire.They encourage activation for the purpose of direct deposit. I am not currently employed.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account 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 : {$0.00}
Consumer complaint received 2021-04-17
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: Experian Information Solutions Inc. (GA)

XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. Experian and XXXX  continue to post 90 day lates each month from the company. In addition, the close date is only shown on XXXX  and not Experian or XXXX. The date of last activity is listed as XX/XX/XXXX on XXXX  and XX/XX/XXXX is shown on XXXX. Experian doesnt show anything. XXXX and Experian do not show a high balance but XXXX  does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (CA)

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 Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account 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 : {$0.00}
Consumer complaint received 2019-05-01
Product: Credit card or 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: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/2019 I tried to buy something on XXXX I tried to use the prime service, instead XXXX charged me for the prime membership ( XXXX ) and XXXX dollars for the items from their website. ( XXXX ) After a few minutes I noticed my card was declined because of the XXXX prime membership that I didnt count with the XXXX dollar purchase. 

So I cancelled the items and prime membership. The prime membership was refunded immediately but the XXXX dollars are missing. 

XXXX says they didnt charge me. 
The bank has the funds in hold. 
I saw a hold but not the XXXX dollars. 
The bank claims their disputing the XXXX dollar charge. 
If XXXX didnt charge me where is my XXXX dollars?
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cullimore & Coleman, PLC (AL)

The apartment complex : XXXX XXXX XXXX XXXX  and their debt collector/rep : Cullimore & Coleman Are attempting to collect a debt I do not owe. 

I have never lived in the apartment complex nor does the aforementioned companies have proof of me staying living at this residence. 

The companies have threatened to sue me. 

This XXXXXXXX XXXX and harassment is damaging my career this affecting my livelihood and health
Consumer complaint received 2020-02-20
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: CREDIT ACCEPTANCE CORPORATION (MI)

Hello, The issue I'm having is due to injuries I received in XXXX from my time in the XXXX I became serious behind on my Auto Loan Once I was able to work again I called and set up payment arrangements with Credit Acceptance. I was told as long as I meet my agreed amount on the days selected it would be taking out of collections. I have made a few payment and it still being reported as in collections. I called the company and was told it's just taking out of the company 's collections department and it will still be reported as collections. I asked why I wasn't told that from the beginning and was told they didn't have to tell me that. I think this is a terrible thing to do to people
Consumer complaint received 2020-02-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (LA)

Loan Depot Complaint # XXXX-XXXX  XXXX XXXX, SVP of Loan Integrity Thank you for your detailed response to my complaint. There is one large item that is not considered in your letter and that is that " We closed on XX/XX/XXXX and the contract we signed said you would pay XXXX XXXX  on XX/XX/XXXX. '' You actually paid XXXX XXXX on XX/XX/XXXX. This action created a " shortage of {$480.00} ''. XXXX following this discovery made changes to the contract we signed. Please note that XXXX created the problem not me. The subsequent changes placed the excesses of {$1100.00} in flux and then XXXX decided ( not informing me first ) that {$940.00} would be placed against the principle. This then caused my escrow account to be short which will raise my monthly escrow account payment to increase by {$90.00} plus dollars. 

I was the one to initiate the refiguring of my escrow account or I would have been responsible for the difference at the end of the year. I am dependent on you to protect my interests. As a relative novice to the game, this smacks of fraud to me but to you it is business as usual.

Trust is the basis between two parties to a contract. Unfortunately, your actions as a financial entity should be made known to the public for these kinds of activities. It is my credit score that suffered due to your ineptitude. It is up to you to repair the damages. 

Loan Depot and XXXX fully understand what actually happened and its cause. Please correct these errors as soon as possible. This action will prevent me from proceeding with our complaint to the Consumer Financial Protection Bureau.
Consumer complaint received 2020-02-20
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: Experian Information Solutions Inc. (UT)

XXXX, Experian and XXXX  are reporting a mixed file to my credit report. There are 5 socials that are not mine on my credit report as well as several names that are not mine. There are also multiple negative accounts that do not belong to me that are reporting and damaging my credit.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I opened up bank account with Bank of America in XXXX, Ma in XX/XX/2022. And deposited my checks from XXXX XXXX. Deposited {$5000.00} check plus {$1500.00} cash. After that BOA closed my account for no reason and it has been 3 months, they never give me my {$6500.00} deposit back. Each time I call, they give me a different date and different reason, seemed like on one really know why. I need to get my money back to continue my life. Im an XXXX  and my life pretty much stopped and I dont have money to make a living now because BOA took all my savings and wont give back to me. Need help please.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DataMax Corporation (NC)

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

This Consumer Complaint is against DataMax Corporation Located at XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX. 

DataMax Corporation is in violation of 15 U.S.C. 1692-1692P Against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )