davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-25
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 a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted XXXX XXXX to close my credit card in XX/XX/2017. I did not realize the card that required a complete payment of the balance each month. I was laid off from my job and this became difficult. I reached out to XXXX numerous times to ask for a payment plan and was rejected, so I requested the card be closed and I informed them that I would still pay on it. The card was not actually closed until XX/XX/2017. However, XXXX still was charging me a monthly late fee of {$38.00}. The late fees should not have been charged on a closed account. I requested the account to be closed in XX/XX/2017. 

XXXX  also keeps updating my credit to show that I am recently 30-plus days late, which is entirely untrue. I feel they are purposely trying to sabotage my credit, as each time they update this account my credit score significantly drops. 

I have disputed this falsely reported account numerous times through the credit bureaus and XXXX always verifies the information as inaccurate. They fraudulently charged me late fees, are intentionally sabotaging my credit, and refuse to report the accurate amount owed. 

I obtained an XXXX XXXX card because I was under the impression that their customer service was top-notch and my experiences here have been very disappointing. 

I have attached a statement from 2017. Thank you.
Consumer complaint received 2017-12-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (VA)

received collection letter from XXXX XXXX XXXX on XXXX/XXXX/XXXX stating balance due of {$1100.00} from a check dated XXXX/XXXX/XXXX to Specialized Loan Servicing. 
This check was processed and recorded by SLS. 
Sent returned letter to XXXX XXXX demanding they cease collections efforts and that the account was paid on time. 
no response from XXXX XXXX
Consumer complaint received 2022-09-08
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-04
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. (AZ)

I CONTACTED XXXX XXXX XXXX ABOUT AN ACCOUNT ON MY CREDIT REPORT THAT I DIDNT AUTHORIZE. I SPOKE TO XXXX XXXX AND EXPLAINED THAT I DIDNT AUTHORIZE ANYONE TO OPEN AN ACCOUNT IN MY NAME FOR SECURITY SYSTEM. WE SPOKE ON SEVERAL OCCASIONS ABOUT THE ACCOUNT AND I ASKED FOR ANY PAPERWORK THAT VALIDATES THE ACCOUNT OR ORIGINAL PAPERWORK ALLOWING THEM TO COLLECT A DEBT FROM ME. MR XXXX WAS SUPPOSE TO EMAIL ME THE DOCUMENTS ON 2 OCCASIONS BUT I STILL HAVENT RECEIVED THEM AS OF NOW. SO I AM FILING THIS COMPLAINT IN ORDER TO GET MY CREDIT IN ORDER. I AM ATTACHING THE ACTUAL LETTER THAT I SENT TO XXXX XXXX XXXX AND THE DOCUMENTATION THAT I ASKED FOR. I EXPLAINED TO MR. XXXX THAT IF HE COULD PROVIDE THOSE DOCUMENTS THAT I COULD HANDLE THE MATTER DIRECTLY WITH PROTECT AMERICA. I AM FILING THIS REPORT ID THEFT BECAUSE HE SAID THAT THERE WAS OVER A YEAR OF PAYMENTS MADE TO THIS ACCOUNT. I HAVE NEVER SENT ANY MONEY TO XXXX XXXX  OR XXXX XXXX XXXX. ANY TRANSACTIONS ARE A RESULT OF IDENITY THEFT.
Consumer complaint received 2022-09-08
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Never received any letter from this company about a supposed debt I owed. Sent a letter and disputed with CRA 's with all details about why this account does not match any of my accounts. Proof of letter sent with attachments.
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (OH)

I have recently been made aware of an item on my report that has caused several instances of inconvenience and denial of financial services. I was completely unaware of this issue until just recently when i tried to cash a check and was denied at several places. 
I have attached documents showing the report in question. I am not claiming fraud, as the account listed was mine, and was closed by me with the understanding that the account was closed and all was fine. 
The report on my social security number is listed as ACCOUNT ABUSE. What in the world does that mean? I had a account, i closed the account. I never received any notice of any outstanding debt from U.S. bank, or even a collection agency for that matter. If i would have, I would have paid whatever was owed. 
This mark on my report is very unnerving to me.
Consumer complaint received 2024-05-07
Product: Mortgage — FHA 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: Data Mortgage Inc. (SC)

as I was typing my complaints this morning to cfpb, I received what appears to be a fake foreclosure letter with XXXX 's logo on it. it didn't have my legal name on it but the first XXXX letter of my middle name and my first XXXX letters of my mom 's name. how would someone other than the lender know about my financial woes? in order for a foreclosure to take place in XXXX it has to be filed in the courts and it can't be done ' while in forbearance. when forbearance over a partial claim is supposed to be submitted to bring everything current. you can also see they didn't put my complete address XXXX XXXX name and another city I don't reside in. telling me I better vacate my property. who would know to send me something like that threatening me like that. none of the proper channels have been taken to even do a foreclosure, no proper notice no nothing... .but again can't do foreslcoure without filing in court first, and also giving legal proper notice to borrower. but how would someone know about my financial woes and email address to send me this? these are things files in court first then sent through postal mail. pls investigate who sent me this fake letter.
Consumer complaint received 2021-10-04
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. (GA)

My rights are continuously being violated! There is currently still misreporting on my credit report and the credit bureaus have neglected to delete or respond to! These violations have gotten out of hand and need to be addressed.
Consumer complaint received 2019-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

I do not have a signed contract nor any contract with Debt Recovery Solution. I have never done business with this company. I am not liable for collection from this debt from Debt Recovery Solution. I am not responsible for this debt with XXXX XXXX XXXX. 

XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am now abroad of the United States for 5 months, I think it is gon na be even longer ... Due to the fact that I do n't have access to my USA number they blocked access to my online banking. However, I have access to my email account which is registered in the bank. 
Several times I called them, explained that I 'm overseas and have only access to international number and e-mail they have in file. But they do not care.I ca n't check online what is going on there! 
I have 2 credit cards and 2 checking account, everything is blocking .... 
They may have confused my information with my stepfather, because when we first open a checking account, it was with his name like there are 2 people on the same checking account. But I have persona checking account! 
I also sent many times my documents via Fax ( instead of something to go to brunch ), as they ask. Absolutely nothing help! 
When I call them, they say different reason every time, first you have no USA phone number, the second some problem with one deposit a check or what, the third some deposits and more. 
In fact, I do n't have access online to my personal checking account and my personal debit card.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Hi on my credit report there are information regarding my mortgage which is showing missing or late payments at that time i was going through loan modification, Now that was past, modification is done, but late payments are still showing on my credit report and its hurting me a lot and it keep me getting a car loan or anther credit card
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX XX/XX/2024. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, I am writing to file a complaint against the debt collection agency TrueAccord Corp ( XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX for repeated violations of the Fair Debt Collection Practices Act, as well as other state and federal consumer protection laws. 
TrueAccord has persisted in attempts to collect a debt from me that was previously paid in full over 7 years ago to another collection firm. Despite my efforts to explain the debt is not owed and demand they cease communications ; they have continued to harass me. 
This unlawful collection attempt has caused me significant emotional distress, anxiety, anger, and wasted time and energy dealing with their fraudulent claims. TrueAccord failed to conduct basic due diligence to validate the debt before pursuing collections, which represents an unconscionable violation of my rights as a consumer. 
Under the FDCPA and other relevant statutes, I am entitled to pursue maximum statutory damages allowed per violation, as well as actual and punitive damages. I have retained legal counsel and intend to sue TrueAccord for the maximum damages possible if this egregious harassment continues. 
I respectfully request the CFPB investigate TrueAccord 's actions and take appropriate enforcement measures. Debt collectors can not be allowed to flagrantly violate the law for profit at the expense of consumers ' rights and emotional well-being. I have included documentation of their unlawful collection notices. 
Thank you for your attention to this serious matter. I look forward to your response and action to hold TrueAccord accountable. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (MO)

This company ( Credit Collection Serv ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : Shayla> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had an account with XXXX and someone went on their website hacked into their website stole my credit card information and my billing information bought something for {$660.00} and when I called my credit card company to report the fraudulent purchase they said they would take care of everything closed the credit card account sent me a new credit card and said dont worry they knew it was a fraudulent purchase and that they would take care of everything now two months later theyre saying that I am liable for this fraudulent purchase
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

I have not received a signed agreement and some of my payments are missing from the statements I was sent. I had never been sent a statement before, so I did not know what was going on. I know I borrowed some money from Care Credit for medical care XXXX or so years ago ( 2019 ). I was not mailed a copy of the agreement, so I did not know Synchrony Bank was involved until I called Care Credit and asked where to send my payments. I then called Synchrony and made sure they had my address made a payment and picked a due date so I could pay on time each month. I put my bank account on auto-pay and make a minimum of {$180.00} a month sometimes more. I did not miss a payment and I was never late. I did not get any communications from them and was making payments for 3 years until I received a letter stating that I was in default. 
Here are the issues with the statements I received by mail : 1. There is no copy of my signed agreement showing the amount I borrowed.

2. payments are missing from the statements that I was sent.

3. I was charged late fees when I sent the payments on time.

4. I did not sign up for the coverage insurance I was billed for every month.

I have asked for this information by phone, email, and postal mail. They will not provide me with this information and have ruined my credit.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (SC)

Hi, I am in a very time sensitive process of home buying. I am under contract and was locked in with a lender at XXXX rate with no points bought. My loan documents showed an anti steering disclosure that told me I could buy down rate to XXXX for {$10000.00}. While this is a big amount, I see value in this option and expressed interest, asked follow up questions and my loan officer told me I could buy the rate if I choose to do so. However, during underwriting my loan officer insists that's not an option anymore, he says that number shouldn't have been there and that he didn't like the anti-steering document as. I think my lender is trying to push me to get a rate that is beneficial for him knowing all too well that I am outside my due diligence period and can't back out of the house or change lenders as the market interest rate has changed in the last couple weeks. I need my lender to abide by the anti-steering law. 

I asked XXXX if I can talk to a manager or someone about this and he said that they would redirect to him since they are not licensed officials. 

In the many times I talked to XXXX about buying points he never mentioned the lender credit offered on the loan documents would go away, he also says there will be additional loan origination fee I will have to pay if I want to buy down rate. I think this is made up with no legality to it. I am afraid my situation is being abused since they know I will have to go through the home purchase or pay the seller {$3000.00} and all closing attorney fee. 

Please guide me on how to navigate this. I need immediate help. 

My lender is united wholesale mortgage llc, XXXX XXXX LICENSE ID XXXX, United Wholesale Mortgage , LLC PHONE ( XXXX ) XXXX BROKER XXXX Loans XXXX  LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX XXXX LICENSE ID XXXX EMAIL XXXX PHONE ( XXXX ) XXXX