davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (GA)

Company Caine & Weiner are listed on my XXXX XXXX XXXX XXXX  credit reports for the amount of {$460.00}. This company failed to comply with FDCPA, It's a violation of the collection practices act for a debt collector to refuse to send a validation notice. I have never recieved any notice to validate said debt however, this company placed this account on my credit reports. These types of collection practices are a violation of the FDCPA.I do not have any contract or business signed contract with this company. I do not owe this company nor have I had a chance to express this as this company failed to allow me to validate their said debt.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Celebrity Financial, Inc. (CO)

We refinanced our home with Celebrity home loans on XX/XX/XXXX. The funding manager came to our home to notarize the refinance documents. She was unable to bring copies and said she would email us the following day of all the papers we signed. On XX/XX/XXXX we still had not received copies of the above documents and I reached out via email to the funding manager. I received a response and was told the loan officer would get us a copy of our closing documents. On XXXX I emailed our loan officer following up and letting them know we received the refund from our previous loan servicer for our remaining escrow and they could cash our closing check. XX/XX/XXXX I sent another email and called the previous day leaving a voicemail with no response. I received an email later that day from the loan officer stating the titling processes that and she would cc them onto the email. XXXX I sent another email to the loan officer as I still did not hear back from the titling department. XXXX I was notified be email that loan officer was no longer with the company and a new agent would be taking over. She stated she would look into the issue. XX/XX/XXXX I still had no resolution regarding the copies of the closing documents. I received a response later that day, " I will light a fire today!!! '' XX/XX/XXXX and still no response so I sent an email stating I was going to file a complaint if the documents were not received by XX/XX/XXXX. I still never received a response to that email as of today nor has our closing check been cashed.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (NY)

I was applying for a credit card and was denied in the beginning of XX/XX/XXXX. I looked on my credit report and saw there was a collection agency on it, Diversified Adjustment. I called them and spoke with XXXX, XXXX. She asked me if I live at XXXX XXXX XXXX XXXX and I said no. I later called om XX/XX/XXXX and told XXXX I never got a debt verification letter and she explained XXXX was the ones who hired the collections agency to get money they thought I owed them. I took 1 week off to get things sorted and to get a police report that indicates grand larceny, from XXXX as it was a XXXX employee XXXX XXXX XXXX that opened a second account without my knowledge and bought {$7100.00} in my name, committing identity theft as he asked me for my whole social # and took a picture of my drivers license. I emailed the collection agency four times to give me a letter that shows the debt that is being owed. They never responded to me. XXXX hung up on me as well as XXXX. This collection agency breached the FDCPA.
Consumer complaint received 2024-02-23
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. (MI)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to the credit bureaus regarding Fraud Alerts on my credit profile. I was advised that I need to send a letter to request the Fraud Alerts to be lifted. Also I was advised by the Credit Bureaus that I have two credit profiles. One credit profile has Fraud Alerts and the other do not. So depending on who is running my credit and which profile they get will determine if Fraud Alerts are on that specific credit profile. I am requesting that ALL Fraud Alerts are lifted and the two credit profiles the Credit Bureaus stated I have are " MERGED '' together. I was advised by my attorney friend, reaching out to you all will be the most trusted way to handled this complex issue. I honestly does not trust the Credit Bureaus. I have no faith and trust in those Organizations.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I got a new car loan with XXXX XXXX XXXX in XX/XX/XXXX,  initially when I got the loan I tried to do it by myself but ended up needing to have a co-signer so I got a family friend that weve known for long to help me with it so he did. We were able to get the loan on a new XXXX XXXX XXXX and we both appeared on all of the paperwork for the car and the loan. After a few months I tried looking for at my credit report but even though my name was on the loan it just never appeared. I really didnt think much about it since I was just about XXXX at the time but now that Im XXXX I understand the importance of my credit report so I reached out to XXXX XXXX XXXX and asked if I could get copies of all the statements from the car that I received and also if I could possibly know why they decided not to report the car loan that was also on my name when the other person on it was definitely getting the loan on theirs. But the customer service representatives were of absolutely no help with anything and didnt know what I could do. The car has since been sold since XX/XX/XXXX a while after I got XX/XX/XXXX in Virginia. The reason Id like for the loan to appear on my credit report is because I feel like it would greatly benefit my credit report because that was the earliest loan that I have ever had and I made every payment early or on time for the duration of the loan.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

I filed a complaint against Chase XXXX on XX/XX/year> ( XXXX ) about a payment I processed on XX/XX/year> for {$1200.00}. They closed my account and are holding the money for 120 days. After filing this complaint, I went to Chase bank on XX/XX/year> where my banker called XXXX trying to get information about the funds. The person she spoke with told her that our funds were going to be released back to us within 1-3 business days to our checking account. As of today, XX/XX/year>, the funds are not back in my checking account. I received a response from my first complaint from XXXX that stated they were refunded on XX/XX/year> to our customer. THESE FUNDS WERE NOT GIVEN BACK TO OUR CUSTOMER. I have found numerous complaints online about the same issue people are having with them, that they claim the customer got a refund and it was not the case. I want some answers with this. I'm tired of getting the run around on where my money is and want it returned to my account ASAP.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

In XXXX of XXXX I got an auto loan for a XXXX Chevy truck with Santander Consumer USA that included Gap Insurance for covering losses not covered by vehicles value. Not sure exact time frame, but definitely within 2yrs the truck was in an accident while parked and unoccupied. Was a total loss not at my fault, and the at fault driver had not enough insurance to cover all vehicles involved. My " Under Insured '' policy feature and whatever at fault drivers policy coverage was put in play. Some how there was still a balance Santander said was around $ XXXX left owed after the truck was taken and sold at auction. They did not apply the Gap Insurance, and then reported the loan Charge-Off/XXXX. This date and Closing of that account should've been somewhere in/around XXXX. They actually properly stopped reporting Late or No payments for many months, then suddenly started again. And then however they continued to make negative reportings on my credit for years with the $ XXXX balance even though it was " Charged Off '', and still " updated '' monthly unpaid payments even into XXXX. This affected subsequent loan rates risk factor as it seemed to be recent bad payments, when in reality should have been many years back and now should be almost Removed because of the 7yrs. But instead it looks like only a few years back and still lenders see this bad history and fault me. This kind of " updating '' to keep negatives on consumers records should be XXXX  Abuse and they penalized. Why isn't it, and why isn't the Government protecting consumers from this financial XXXX
Consumer complaint received 2020-11-12
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. (ID)

The accounts listed are not my accounts. I have shown that I am not a credit repair company nor am I a mortgage company. I also DON'T have a Chapter XXXX bankruptcy and needs to be removed immediately. I have requested the removal of these accounts as now a second request. Please remove them immediately. Thank you.
Consumer complaint received 2021-04-08
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: Home Loan Center, Inc. (TX)

I'm subscribed to Lending Tree 's credit monitoring service. After my score went up a few point, they offered to use their pre-qual form to find my offers for personal loans AFFIRMING that it would not affect my credit. After submit this alleged soft-inquiry I then received alerts from other services I use that my there had been several hard pulls on my credit file which is VERY unacceptable. I'm currently working on my credit and would have NEVER submitted the form if I knew they were going to do a hard pull which is counterproductive to what I have going on. This happened at the beginning of XXXX. 

I suspect Lending Tree illegally and without permission sold my information to other creditors. That is the ONLY way these companies would have even had my information for a hard pull. This is a very misleading tactic by Lending Tree and if it is included in their " terms '' it needs to be very clear. 

Lending Tree, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX all had access to my credit information FRAUDULENTLY. I had to suffer a score decrease across two bureaus because of this. I reached out to these companies the same day in an attempt to fix this and see what happened but they all acted clueless and said they would TRY to remove the inquiry and that is not good enough because they were never supposed to have my information in the first place. 

This is the email communcation from one of the companies involved, " XXXX XXXX XXXX XXXX received the application through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, case id XXXX on XX/XX/2020. You may want to contact Lending Tree and XXXX XXXX XXXX to learn more about the handoff steps each took in sharing the application.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I have multiple inquiries that I 've called XXXX and asked them to remove yet they are still there even after explaining that I never authorized nor applied for credit with one company. I sent a copy to XXXX XXXX XXXX that a bill was paid for {$100.00} for XXXX yet that is still on there plus some other outdated information. Seemingly the other two credit reporting agencies can not seem to match either and I am disturbed that my score went down when payments on my few accounts are up to date and that my student loans were forgiven so they should be off. I do hope that this can be resolved as soon as possible as I 'm sick of speaking to various folks who seem to not even live in the USA.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am a natural, living human being, and I have rights under 15 USC 1681. Experian is governed by 15 USC 1681, and they violated my rights numerous times. Additionally, I have disputed these account multiple time and Experian refuses to update and/or remove the accounts from my credit profile. Experian continues to report inaccurate information on my credit profile, which causes additional hardship when applying for necessities that require my credit. This is a defamation to my character and caused higher rates on my auto loans, home mortgage, and credit cards. I demand that the accounts listed below to be removed because according to 15 USC 1681, I have the right to privacy and did not give Experian written permission to furnish these accounts. 
Accounts : 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 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have multiple inquiries that I 've called Transunion and asked them to remove yet they are still there even after explaining that I never authorized nor applied for credit with one company. I sent a copy to XXXX collection agency that a bill was paid for {$100.00} for XXXX yet that is still on there plus some other outdated information. Seemingly the other two credit reporting agencies can not seem to match either and I am disturbed that my score went down when payments on my few accounts are up to date and that my student loans were forgiven so they should be off. I do hope that this can be resolved as soon as possible as I 'm sick of speaking to various folks who seem to not even live in the USA.
Consumer complaint received 2021-04-08
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc. (MI)

I sent a Cease and desist letter that was certified mail delivered on XX/XX/2021. Since XX/XX/2021 I have received 8 phone calls and 2 emails, in regards to collecting supposedly owed debt.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CO)

3 weeks now to get binance.us customer support to look at my ticket # XXXX went ignored. no response whatsoever. I have {$7500.00} that is being held hostage from this co. I already filed complaints with the XXXX, attorney General, and now, consumer finance. I might have to lawyer real soon if nothing happens. I have never in my life had to wait this long for customer support.
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (IL)

About 5 years ago unbeknownst to me, my late wife acquired a few credit cards and ran up some debt. She passed away 4 years ago which is when I found out about this. I spoke to Consumers Financial Protection Bureau and was told that if 1 ) I didn't apply for the card, 2 ) never used the card, and 3 ) don't live in a community property state, I am not responsible for her debt. Using this information all of the credit card carriers, XXXX, etc. wrote off the debt. However US Bank eventually wrote it off but now they are calling me constantly, even after I asked them to put me on their " Do not Call " list. I understand they can be fined for that. They call from XXXX. It may be a collection agency. My credit score was hurt and still is with XXXX, XXXX who show i have 9 late payments with them. XXXX has my FICO score at XXXX where it belongs. Can you help me? Respectfully, XXXX XXXX XXXX cell XXXX. I'm going to be XXXX years old and the phone harassment bothers me. Thanks
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (FL)

I received a phone call from this company claiming that I owe an insurance company XXXX, I advised them that this is fraud and that I didn't have any accounts with this XXXX  XXXX  and have been an XXXX customer for over 15 years, with a local agent. 

I advised the company to no longer contact me or make any marks on my personal credit profile as this was fraud, they didn't not communicate with me to obtain and information about the fraud and still continue to add the incorrect account on my file and tell me that they will not remove it. I will be serving them with legal letter today demanding them to stop all collections on this account.
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (TX)

this account is negatively reporting on my credit report. I never owned this account. This collection was open around XX/XX/2019. The amount was approximately {$630.00}. This company is failing to follow compliance procedures according to the Fcra.
Consumer complaint received 2017-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a CFPA complaint on BOA last week. In response, a rep from BOA " collections '' left a VM, with a name and a 6 digit extension. Neither he, nor the ext. number given exists. I placed 6 calls, to the number given, stating it was " a debt collections department '', leaving messages, in response to a CFPA complaint, on what ever voice mail I got, using the 6 digits, yet getting a different persons VM each time, always requesting, to be routed to the correct department. It has been a week, and I have yet to receive another call. 

PREVIOUS COMPLAINT SUBMITTED : My credit line with BOA credit card was drastically, unjustly lowered, with out merit, from approx. $ 33k to {$1200.00}, a week after, I refied, consolidated, paid off the majority of my credit cards in full, including $ XXXX to BOA. 

BOA 'S MERITLESS ACTIONS HAVE DRASTICALLY EFFECTED MY CREDIT SCORE, ABILITY TO GAIN CREDIT, AND QUALIFY FOR A CONVENTIONAL LOAN. 

As my credit score would have risen, after my credit debt was paid off. In stead, after BOA 's actions, based on no merit, my score has decreased substantially, making all of this impossible now. 

I have been with BOA for approx. 20+ years, always with an A rating always paid on time.I have had a long relationship, various business, personal, and merchant accounts. 
In X/2016 I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 
In XX/XX/XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00} - XXXX. So my financial and credit situation improved with these transactions. In addition, I my credit was good enough to have qualified for an FHA loan. There were no derogatory information on my credit reports, and all in good standing, then and now. 

I completely paid off this BOA account, wanted to retain this account to use, for medical, etc. only when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
Directly after pay off, in XX/XX/XXXX, a week after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 

Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices. 

NOW you can add their call back rouse, their " attempt '' to address CFPA complaints, to these unfair fraudulent practices. 

In addition, any corespondense from BOA, must be in writing, with contact phone numbers and extensions for REAL people.
Consumer complaint received 2020-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (PA)

Quality Assets is trying to recover co-pay from a doctor visits. The doctors office will not render service on day of appointment unless co-pay is paid at time of service. My credit is being effected by these derogatory claims and my credit standing is very good. 

I would like Quality Assets to provide consent of dialing mobile phone number.