davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (PA)

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted immediately. 
XXXX XXXX Balance : {$0.00} XXXXXXXXDOFED XXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF EDXXXX XXXX Balance : {$3600.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$3500.00} DP OF EDUC XXXX Balance : {$2100.00} DP OF EDUC XXXXBalance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2023-01-27
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. (GA)

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 1692C These companies below have continued to try an collect a debt that I have no knowledge of and I am protected under certain laws to not respond and to not also give them any money. I've recently filed complaints with the XXXX and my local attorney general office against all of these companies because it is impacting my credit in a negatively way and I get denied for things I should be getting approved for. They reported to XXXX, XXXX and Equifax XXXX XXXX XXXX XX/XX/2023 {$870.00} XXXX XXXX XXXX XX/XX/2023 {$570.00} XXXX XXXX XXXX XXXX. XX/XX/2023 {$2000.00}
Consumer complaint received 2022-03-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a mortgage with Bank of America. During Covid-19 Pandemic, I requested and was given a total of 18 months of mortgage payment deferment by the bank ( XX/XX/XXXX thru XX/XX/XXXX ). Once I resumed payments beginning XX/XX/XXXX, I never received any formal written correspondence confirming the 18-month extension of my mortgage maturity date. I have heard conflicting information via email from Bank of America agents, and some of those explanations included statements that implied my loan maturity date have been extended by 21 months, instead of 18 months.
Consumer complaint received 2017-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (CA)

This is the first time I have ever pulled up my credit score and to my surprise I had an account in collections that I was never aware of. I do not have any credit cards nor do I have any outstanding balances. Can you please assist me in fixing this problem that I know is not mine.
Consumer complaint received 2022-03-07
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX XXXX, XXXX CARD XXXX
Consumer complaint received 2017-04-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (CO)

I went to work on XX/XX/2017 like it was a normal day. Usually I have hectic mornings being I am a single mother of XXXX kids that I deal with in the mornings which can be very chaotic at times. When I got off at XXXX I did my usual and picked up all XXXX of my kids by the time I got home it was about XXXX, I started looking for my debit card and could not find it, because I switch purses a lot I tried to not think the worst so to give myself peace of mind I went online to confirm my balance because I had just got my income tax refund, also I had just went to jack in the box around XXXX so I was n't to concerned I was being real careful on how I spend it because I am dealing with foreclosure and that 's when my current nightmare began my balance went from XXXX $ to {$1000.00}. I immediately called my bank and of course it was not open so I canceled card thru the automated system. The next morning I did n't even go to work I went to one of the XXXX these people went to and waited all day for a officer that finally arrive by XXXX or so and took my statement. He stated the people went to so many XXXX most of them was from XXXX County. I have submitted my proof of Police report and Proof of me being at work and they are still not willing to refund my money. They said because these people used my pin and went to al the stores I have been to that there are no errors found, I have spoken to Agents and Supervisors and everyone is not willing to make this right. Can you please tell me what I need to do to get some justice thats a lot of money and I need to give that to my mortgage company I been unemployed since XX/XX/XXXX and started working for XXXX XX/XX/XXXX of this year and I did n't deserve this and now I see no hope in getting Any of my money back. This cant be legal.
Consumer complaint received 2019-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

We received a delinquency notice from XXXX XXXX on XX/XX/XXXX that our taxes that were due on XX/XX/XXXX were not paid by our mortgage servicer, Lakeview Loan Servicing , LLC ( aka. XXXX  ). The XX/XX/XXXX taxes were paid nearly a month late on XX/XX/XXXX according to XXXX  account within the Payment History section. 

After a month of phone calls, on XX/XX/XXXX, XXXX finally paid {$1400.00} of the {$1400.00} that were due XX/XX/XXXX, which left us with an outstanding balance of {$51.00}. We were told by a Lakeview manager that the {$30.00} in late fees were paid from a separate Lakeview account that we do not have access to. See attached ( Re : Tax Bill and Payment History ). 

All phone calls after XX/XX/XXXX have been unanswered and no messages have been returned by a Lakeview representative.
Consumer complaint received 2018-03-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (MS)

I received a phone call from Speedy Cash legal department last week stating that a payment plan needed to be setup immediately. I didnt have an account # to provide them, so I gave them a old debit card #, but promised to provide the new number once I received it in the mail. I received a text message this morning with a link attached to it. Apparently, I am being sued for the amount owed & a warrant has been issued for my arrest. They also stated that it was too late for the payment plan and IF I wanted to pay in full, I could not do it through a bank account nor debit/card. They want me to wire it through XXXX XXXX or XXXX because their bank is in XXXX.
Consumer complaint received 2022-03-07
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I set up bill pay for the amount of {$80.00} for XX/XX/XXXX. My account was then frozen on XX/XX/XXXX and slated to be closed. The bank has not apologized for this and my account is still might be closed. Tried to file a complaint with BBVA Compass and was hung up on several times. I have my VA deposit to this bank account and will be homeless of they close account.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (SC)

I removed my payment method in attempts to cancel equifax product premier plan before the next billing cycle. This was the only sufficent method visible to me that was a available when I logged in to cancel this service. I wa billed again on XXXX/XXXX/XXXX. I contacted equifax to ask why and they explained that they save your credit card data for billing, even if you remove it. I request immediate refund and cancellation because I did not want to be charged for this anymore. Equifax refused to refund. They explained I can use service through XXXX for the charge. However, the product is no longer available to me. When I attempt to update my equifax it gives me error because no payment is on file. It states failed.
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NY)

Homepoint financial has failed to inform me the co-borrower of any issues with the property in XXXX, CA. They state that notices were sent in XXXX of 2019 and the account would be in foreclosure in XXXX. They also sent me the 1 year occupancy statement to remind me that I had to remain in the property for at least 1 year. It has been difficult to communicate with Homepoint financial with over 1 hour wait times to speak with anyone and very difficult to pay off the note when they did not allow me to through their system and forced me to use other methods with other fees. 

Homepoint financial addressed both primary borrower and co-borrower in one letter, so when I moved after 1 year I did not receive any correspondence after changing my address with USPS and confirmed it when I called them as they had no contact information for me when they switch systems. They still do not respond through any other mediums other than snail mail. 

They try to claim I was informed of the issues going on with the note but I was not as you can not mail out one letter to two people!
Consumer complaint received 2017-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (AL)

Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have XXXX accounts linked with the same account number on my credit report. Its unauthorized
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I made a uniform decision on XX/XX/XXXX when I entered a XXXX  XXXX XXXX credit transaction. The only evidence of debt is the agreement, but that agreement is null and void because I made an uninformed decision and I didn't understand the meaning, it was not clear to me, and conspicuous. on XX/XX/XXXX, I sent a letter to the credit bureau and XXXX XXXX XXXX asking for them to remove the inaccurate information on my credit both parties refused to comply with granting my rights. After 30 days 3 credit bureaus Equifax, XXXX, and XXXX updated my credit report with more inaccurate information on my credit.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NY)

This is in response to my last complaint and XXXX XXXX XXXX Consumer and Government Affairs Seterus, Inc. response. We filed for chapter XXXX bankruptcy in XXXX of XXXX. My attorney XXXX XXXX XXXX XXXX was added to my Seterus account in XXXX ofXX/XX/XXXX. I applied for a modification in XXXX of XXXX. A trial offer was sent out for us to begin trial payments in XXXX of XXXX we completed the three payments which you indicate in your letter. We never received a permanent modification until XXXX of XXXX now our attorney was added to our account. If Seterus had processed the finalized modification in a timely matter by XXXX or XXXX of XXXX, We would have been current on our payments and it would not have been part of the bankruptcy proceeding. Seteruss inability to process the modification in a timely manner caused our home to go into foreclosure proceeding and increase the mortgage amount that we currently owe. It should not take 8 months for a mortification to become permanent after the trial payments have been made.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed this Account on many occasions with XXXX, Transunion and XXXX  about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show XXXX
Consumer complaint received 2017-09-03
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. (IL)

Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -XXXX does not provide me the opportunity to " dispute online ''. 

On XXXX, 2017, I became a member through XXXX to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- XXXX does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " TransUnion '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX  XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary '' Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since X/XX/2017. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the incorrect inquiries reporting on my Credit Report : XXXX/XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2021-01-31
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: TD BANK US HOLDING COMPANY (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, TD BANK N.A. add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-10-16
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (MO)

Wrongful foreclosure after a set aside of forclosore, Judgment of satisfaction made {$00.00} dollar amount owed, No loan with either company,, policy would not allow a loan, Company, for closed evicted me out my home and sold property, XXXX but state they had no sale on property, nor show an actual loan I had with company. Collected money but show no actual collection on a loan I established with bank, Person exclaimed to be working for bank as a lawyer was n't. I received my home back through the village jurisdiction because of the ordinance code and General Warranty Deed XXXX/XXXX/XXXX was evicted by another company XXXX/XXXX/XXXX, Case held set aside.
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Daniels Norelli Scully & Cecere, P.C. (NY)

Debt collecter removed, and caused to be removed ; monies from my bank account, under pretext of a levy which was not recorded or executed by the XXXX of XXXX XXXX ; XXXX XXXX in which I reside. Bank refused to provide me with copies of papers served on them, so I personally checked with the office of the XXXX of XXXX XXXX ; where I was assured that they have no record of any levy or execution upon any bank account owned by me. This is as of today XXXX XXXX, XXXX, the monies were removed on XXXX XXXX, XXXX.
Consumer complaint received 2017-04-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX   XXXX   sold our  XXXX  mortgage account  to Select Portfolio Servicing , Inc.  of  XXXX   XXXX   XXXX , Utah. I had absolutely no desire to have this happe n. Select Portfolio Servicing , Inc. has an absolutely terrible reputation, as can be easily seen with a little investigation online. I am very concerned that they will have errors tha t will cause me to have bogus fees added, " forget '' to pay my taxes from escrow, fail to send my tax documentation, and otherwise make trouble.     I am complaining in advance so you know who I am referring to should I have trouble with this firm, which I expect will happen.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TN)

My cashapp account was hacked by someone. There were 2 transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have the screenshots but when I tried calling cashapp support for help they didn't help me at all. The only help they gave me was by telling me to create a new account. Even with all the security measures in place cashapp offers, this DID NOT!!!! stop someone from getting unauthorized access to my account to send themselves money. They closed my dispute saying I authorized the transactions even when I showed screenshots of an unknown device logged into my account..the representatives kept trying to discredit me saying no one else was logged into my account when I could clearly see a email and device that I never authorized to be there. I never give anyone access to ANY of my accounts which is impossible for cashapp representatives to believe.Another thing they told me todo was request the funds back, like a hacker gon na just send your money back like they're some upstanding citizen... they're criminals why would they give back what they stole.