davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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. (PA)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have disputed several items with each credit agencies snd the information still remove two accounts on my report should be removed because it was requested by both companies to be removed XXXX and XXXX  REQUESTED TWO FILES BE REMOVED YET EXPERIAN XXXX  AND XXXX  ARE NOT ABIDING THIS IS ONGOING AND MY SCORE IS NOT BEING RAISE CORRECTLY I am at a point to seek counsel because for years I have kept record of the mis information XXXX DELETED ASAP XXXX DELETED ASAP THEY ARE NO BALANCES ON THOSE ACCOUNT
Consumer complaint received 2015-10-29
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

I was working for a man who sent me a check. I deposited the check, and he asked me to make XXXX payments to an " art supplier '' by the name of XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX # XXXX XXXX, OK XXXX. I sent her {$1500.00} and {$1200.00} through MoneyGram on Saturday, XXXX XXXX, 2015 from XXXX separate locations. The following Wednesday, XXXX XXXX, 2015, I looked at my bank account and the check that my alleged employer sent me had been returned, thus putting my bank account in the negative balance. Once that had happened, I received another check for the same amount, so I took it to the bank to see if they could call and check the validity of the check, and they called the other bank and without even providing the checks information, the other bank told my bank ( XXXX XXXX XXXX ) that it was most likely a fraudulent check. After seeing that, I went to the police department and gave the Officer all of my documents, emails, and texts. They told me this has been happening more than you would think, and that the bank should work with me so I do not have to pay for the fraud. The bank submitted a dispute of the charges to MoneyGram to try and get some, if not all of the charges back. They also told me to contact MoneyGram and see if they have the information from the person that picked up the money as well. I will also upload the receipts from both MoneyGram money transfers as well as the Police 's Case #.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft, an account was open on XX/XX/2021. Did not authorized any account with XXXX XXXX, account is being reported on my credit report and is causing server problems. As anyone could obtain another persons information with intent of fraud, the signature does not match my original signature as seen on my identification card.
Consumer complaint received 2017-09-26
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: Bread Financial Holdings, Inc. (KY)

XXXX has posted several credit inquiries under my credit report that I do not recognize. 
- Comenity/XXXX -XXXX XXXX XXXX - XXXX - Comenity/XXXX - XXXX I am filing this complaint because all of these have negatively impacted my score.
Consumer complaint received 2015-06-25
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Reviewing my husband 's credit report and mine, we found heinous amounts of misinformation. Downright lies from banks, mortgage companies and mortgage service providers ... .all reported to XXXX XXXX The lead offender is Bank of America. Due to all these errors we have not been able to refinance XXXX of our homes and have been paying higher mortgage interest and the misinformation has spread to XXXX XXXX and XXXX, not to mention everyone who looks at any of our reports.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX are showing incorrect and inconsistent information. The false and inconsistency is in regards to the reporting of late payments. 

One agency will say it was late on XX/XX/XXXX but say it was paid on time on another agency. Vise versa with XX/XX/XXXX.
Consumer complaint received 2017-03-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Dear Sir or madam : I received a permanent HAMP modification agreement for a residential mortgage from sps Select Portfolio Servicing inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX and completed my trial payments both timely and in full in XXXX. On XXXX/XXXX/XXXX I received the final modification agreement and on XXXX/XXXX/XXXX, I signed, dated, and notarized it, and I faxed and mailed it to SPS. I complied with the SPS requirement that SPS receive the modification as evidenced by the XXXX/XXXX/XXXX dated stamped copy of the first page of the modification. 
Since then I have continued to make my payments timely and in full. I also called SPS requently to check on the status of my modification approval, where I was told it was under review. At no time was I made aware that the modification agreement I submitted was in any way inadequate. I was shocked and dismayed to receive a XXXX/XXXX/XXXX Denial letter from SPS claiming that the modification was rejected for allegedly not returning the agreement by XXXX/XXXX/XXXX. There did seem to be an error made by the notary through no fault of my own and as soon as I was made aware of this, I immediately recent the agreement with the missing notary information. I have since been told by SPS on XXXX/XXXX/XXXX from speaking with XXXX XXXX of SPS that SPS now has the XXXX signed notarized and dated copies of the modification agreement that they require and that there was a good possibility that it would be approved. 

At no time prior to XXXX/XXXX/XXXX did SPS inform me that I needed to anything other than saying that the modification was under review. To be overly thorough, I have since faxed, overnight express mailed, and mailed postage pre-paid certified return receipt requested on XXXX/XXXX/XXXX yet another compliantly dated, signed, and notarized copy to SPS dated XXXX/XXXX/XXXX. 

In response to the SPS denial letter, I have a since written an appeal letter to SPS explaining and correcting any alleged deficiencies relative to this modication. At this time it is important to mention that SPS has accepted all of my forbearance payments of I believe {$2500.00} for the first XXXX trial period and now is accepting permanent loan modication payments in the amount of {$2500.00}. 

Also within the 30 day appeal time of the SPS XXXX/XXXX/XXXX denial of modification letter, I have even sent SPS yet another completely compliant signed, notarized, and XXXX/XXXX/XXXX dated copy of this modification agreement : faxed, express overnight mail XXXX sets of originals, and first class postage pre-paid, return receipt requested XXXX more sets of originals. 
In conclusion, this residential home mortgage modification account number ending in XXXX should be approved as the consumer has expended Herculean efforts to comply with the SPS requirements to meet approval. I have a son with special needs in the school district where we reside. I am a single Dad and both my son and I would be devasted if we were forced to move. 
Thank you XXXX XXXX
Consumer complaint received 2016-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Action Financial Services, LLC (FL)

My government student loan went into default I. I voluntarily contacted the collection agency handling and entered into an agreement to repay at {$380.00} per month have not missed a payment at all and they allowed my tax return refund If {$2100.00} to be seized as repayment for the loan.
Consumer complaint received 2017-09-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

To whom it may concern this is a ongoing problem with the practice of this business after I was being told there be no more further collection and their statement was forwarded to Department of Business Oversight of California I still continue to receive different types of collection agency attached is the documents trying to have a mutual agreement they had ( 4 ) different licenses and ( 2 ) different addresses neither from California also 4 enforcement actions. I was unaware of their practice.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In acordance with the fair credit reporting act XXXX account # XXXX has violed my rihhts.

15 u.sc 1681 section 602 A. States I have the right to privacy.

15. U.S.C section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midway Resolution Services LLC (TX)

I have been debt free for two years. All of a sudden, I am receiving calls from Midway XXXX for some unknown debt. They are picking at the carcasses of charged off debts to make money while destroying peoples credit. This is a predatory collection agency and they need to be shut down.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

XXXX XXXX is reporting my Date Of First Delinquency inaccurate according to XXXX XXXX my Date of First Delinquency is XX/XX/XXXX and stated that last payment was XX/XX/XXXX before the account went to charge off. I agree that was the last payment I did was XX/XX/XXXX but the payment was returned by the bank and should have not credited to my payment history as payment last payment was XX/XX/XXXX. I am requesting Honda to delete this seven year account that they are still reporting inaccurate.
Consumer complaint received 2015-07-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I have been a loyal customer of Regions Bank for several years. Never have I overdrafted my account. A week ago I noticed that my account had overdrafted. I immediately went to the bank to pay off what I had gone over. To my shock, I had been charged over {$800.00} in overdraft fees, which is more than the amount I had even gone over. After calling, emailing and visiting a branch SEVERAL times over the course of one week, I have gotten nowhere. Not only that but the person I spoke to on the phone with customer service was extremely rude and even laughed at me. Having never overdrafted on my account and immediately replenishing the account, I believe these $ XXXX in fees is unethical and abusive. I repeatedly asked the bank to freeze my account so that if anything else comes in, it just needs to be declined. They failed to do so as well.
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

On XX/XX/XXXX XXXX XXXX XXXX posted this XXXX XXXX  collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by XXXX  validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. 

On XX/XX/XXXX MRS BPO posted this same collection to my credit reports. Clearly they purchased this debt from XXXX and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. 

I also see that either XXXX  or MRS BPO has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. 

Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. 

My wife and I are trying to close on our first house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. 

I request no more than the immediate removal for my credit reports as well as a side letter from BPO confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWIDE HOME LOANS A UTAH CORPORATION (CO)

We are officially filing a complaint against XXXX XXXX of Citywide Home Loans in XXXX, Colorado. 
XXXX XXXX My husband and I, both XXXX at the time, moved to Colorado and purchased our first home. Being first time home buyers we were not aware that we had options regarding our mortgage broker. Our realtor basically told us, this is who you have to use, submit your information to XXXX XXXX for pre-approval so I can show you houses. When our offer was accepted on our new home, we told the mortgage broker that we were interested in a physician home loan. We actually brought this up on 3 different occasions with him, once by phone between him and I, once with my realtor, and once with my father who we were possibly going to use as a co-signer. XXXX said on all 3 occasions that XXXX were not available in the state of Colorado, as they were illegal in some way under Colorado rules. He stated this so confidently that we took his word for it as we did not feel we would know this states market better than he did and went forward with the loan he did have to offer us. We have since learned that physician loans were offered by at least XXXX companies at that time. So as soon as we realized this, we re-contacted XXXX to discuss and see if he could assist us in getting into the XXXX as we originally requested. He again argued that they were not available to us at that time. We asked that he simply pay the PMI that we had lost over the past 6 months and/or closing costs to get us into the right loan. He refused any sort of compromise or discussion. I reached out to his supervisor who directed me to corporate. We had a discussion with corporate after 2 weeks of " investigation '' with XXXX XXXX. The lawyers first comment to me was, " I understand you are upset because you were n't offered some sort of physician discount. '' Nope, no discount, just wanted a physician loan. Just frustrating that after 2 weeks of investigation, this is all XXXX had expressed to her ; basically, it felt as if they really did no true investigation of the details and matters pertaining to our situation. 

I feel as a mortgage broker he had a fiduciary duty to provide us with the best loan in our economic interest. In our case, this would have been the physician loan. We have also been advised that we also qualified for FHA loans which also were not offered to us and could have been another more beneficial option for us. Now, either he was uneducated on what is available in the market for physicians ( if so, he had a duty to tell us he was unaware of such a loan and we could have done research on our own, rather than stating they are " illegal '' or not available in our state ) ; OR he was aware of these loans but could n't write for it himself and thus make a commission/income placing his own economic interest ahead of ours.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (IN)

I took out a personal loan during a difficult time from Big Picture Loans after receiving a document in the mail being approved for {$670.00} plus a {$160.00} finance charge. I paid on this as I was scheduled and I recently received a notice that my rate is going up next pay period when it should be paid off at this point. I feel trapped in a perpetual payment I can not escape with mounting debt. Is there anyway to settle this without driving me to bankruptcy? Please help.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY (OR)

I opened a XXXX XXXX jewelers credit card in XXXX XXXX that had a 0 % promotional APR for 12 months, and a credit limit of {$3500.00}. I charged the account to {$1000.00}. I did not receive any billing statements for months, and when I went to the retail store in question ( XXXX XXXX ) in XXXX XXXX, the employee there told me that I did not owe a payment, but that once I did, I would receive a statement in the mail. I received no statements in the mail. In XXXX XXXX I reviewed my credit report and saw that late payment information had been accumulating on this account since I opened it. I called the bank ( XXXX, in this case ), and they confirmed that all mailed statements had been returned to their office, and that I had not received them. I promptly made a {$300.00} payment on the account to bring it into good standing. They agreed to remove all the late fees that had accumulated. I then asked that they reinstate my original credit limit, and remove the derogatory payment info on my account, and they asked that I make this request in writing. I have done so, but am looking for support from the CFPB to ensure that I am treated fairly in this case, because I received my new statement recently, and noticed several issues : 1. The bank had removed late fees, but changed the promotional 0 % APR period to XXXX/XXXX/XXXX from XXXX/XXXX/XXXX, which they did not mention to me on the phone. The amount of {$170.00} was charged as interest for that month. 
2. The bank began charging late fees in XXXX XXXX, even after having received my monthly payment on time in XXXX, and waiving the late fees for previous months. 
3. The bank changed my payment due date from the XXXX of the month to the XXXX of the month, also without notifying me of that. 
4. Every time I attempt to have a phone conversation with the employees of this bank, I end up getting the runaround, being transferred to multiple departments, often times from XXXX department to the other back and forth repeatedly.
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NC)

To whom it may concern concern. 
I have been disputing a debt in the amount of {$560.00} that was never mine with a company called " SPRING OAKS CAPITAL LLC. '' Original creditor was " XXXX XXXX XXXX, '' which before they first contacted me I had never heard of. 
I have only ever received one phone call from them, and I have been asking for a verification letter, hard copy signature, and / or proof that it is my debt since XX/XX/XXXX. 
I resubmitted a dispute again on XX/XX/XXXX. I have not received one phone call or letter since that time. 
I have given them 60 days, which is 30 days longer than allowed by law.