davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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. (PA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Security National Financial Corp (CO)

Dear Representative, My name is XXXX XXXX. I was approved for mortgage assistance through the state of Colorado and my case was handled by XXXX  XXXX XXXX XXXX XXXX in XXXX CO since XX/XX/2021. XXXX  XXXX XXXX XXXX XXXX send the check to the wrong Mortgage Provider XXXX XXXX XXXX instead of the XXXX XXXX. Proper Mortgage statements where send to XXXX XXXXXXXX from the XXXX XXXX, there was a document included in the documentation send to them that had information of my previous mortgage provider XXXX XXXX XXXX. Unfortunately for me XXXX XXXXXXXX could not recognized from the current mortgage statements the The XXXX XXXX is currently my mortgage provider and send the check to Security National mortgage in the amount of XXXX. I contacted XXXX XXXX XXXX as instructed by XXXX  XXXX XXXX XXXX XXXX to have them resend the check to me, so I could properly send it to the XXXX XXXX. XXXX XXXX XXXX claims they have not found the check whom they have cleared and I still have not received a refund. I desperately need these funds to make my mortgage payment.
Consumer complaint received 2021-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (OK)

I monitor my credit and received an alert from XXXX It shows a company called global radius solutions has placed a collection against me for {$670.00} for a company I have never heard of or used called XXXX XXXX physicians. I have never used this company - nor had I ever heard of XXXX XXXX until this. I googled the business and looked at the building, again, Ive never been to this company. I called and spoke to a receptionist and she had no explanation for why as they did not have me in the system. I dont know what more to say other than I have never. Been. To. XXXX. XXXX. Is it possible someone stole my information and used?! Why would someone do that I have no answer or if that is even logical all I know is I am not paying this bill. I pay my debts and bills if they are mine. This is not and will not pay it and I want it off my credit report.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have some collection accounts from 3rd party companies from accounts that either dont belong to me or just plain inaccurate or fraudulent. First, XXXX XXXX XXXX with a balance of {$640.00}, opened on XX/XX/XXXX. Next, debt collection company by the name of XXXX XXXX XXXX with a balance of {$1500.00}, opened on XX/XX/XXXX. Next, XXXX XXXX XXXX with a balance of {$1400.00} opened on XX/XX/XXXX. Then, XXXX XXXX XXXX with a balance of {$87.00} opened on XX/XX/XXXX, Finally, XXXX collection with a balance of {$58.00}
Consumer complaint received 2017-08-28
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. (NY)

I had a hard inquiry on XXXX XXXX 2017 on my credit report from XXXX XXXX, which I had no business with. I believe they did that just because I was shopping around for internet options and I did n't even get service from them.
Consumer complaint received 2021-03-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint involves TransUnion credit bureau and XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX falsely reported 90 days past due to my consumer credit file [ together ] with TransUnion. When I attempted to submit my DISPUTES on XX/XX/XXXX and early today, XX/XX/XXXX in response to XXXX XXXX XXXX XXXX 's fraudulent reporting ( 90 days ), my TransUnion consumer account would NOT allow me to submit my DISPUTE against XXXX ( with a TransUnion message : " Dispute Temporarily Unavailable '' ). I am filing this " timely '' DISPUTE, against TransUnion and XXXX XXXX XXXX XXXX [ together ]! I have kept, my XX/XX/XXXX car payment receipt. Technically, my XX/XX/XXXX payment isn't late until XX/XX/XXXX. In XX/XX/XXXX, I requested a deferment of my XXXX car payment via MrXXXX XXXX XXXX, President. He responded via an emailed transmission. I responded to his emailed transmission via USPS Certified Mailing with RETURN RECEIPT REQUESTED! IT IS MY POSITION, THAT LOCU employee 's ARE UNLAWFULLY PRACTICING SYSTEMIC DISCRIMINATION/HARASSMENT/RETALIATION based on my race, age, sex, disability, previous filed CFPB Complaints, XXXX filed complaints, financial status, financial hardship, and all other applicable violations ( i. e. FCRA ; ECOA ; Civil Rights violations and etc.. ). Prior to XX/XX/XXXX and after XX/XX/XXXX I have kept all of my receipts and documented emailed transmissions from XXXX. It is important to record, XXXX have reported fraudulent information to ALL consumer credit files. XXXX, have even breached agreement with me by assessing a {$40.00} late fee from each of my monthly car payments regardless of me paying timely or NOT! I AM DISPUTING, ALL OF XXXX DECEPTIVE TRADE PRACTICES! XXXX HAVE REPEATEDLY REPORTED TO LOCU THAT DUE TO EXTENSIVE JOB LOSS AND COVID-19 ( A NATIONAL PANDEMIC ) OUR PAYMENTS WOULD BE LATE OR SHORT SOMETIMES! HOWEVER, XXXX HAVE REPEATEDLY PRACTICED DISCRIMINATION, [ together ] with Experian, TransUnion and Equifax INSTEAD! I will fax any and all supportive documentation to CFPB for the sake of this complaint! IT IS IMPORTANT TO RECORD, THAT XXXX XXXX XXXX, ISN'T A MEMBER OF XXXX AND HAVE NEVER BEEN A MEMBER OF LOCU! VC @ XXXX.
Consumer complaint received 2024-01-31
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. (TX)

This is XXXX CFPB Compliant on Experian for Inaccurate Reporting. Refer to CFPB Complaints - XXXX XXXX XXXX 

I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to Experian through USPS Certified Mail, Tracking # XXXX  and XXXX. The same information submitted by certified mail was also uploaded online through Experian Dispute portal. 

I have spoken to several Experian Membership Team members as well. Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, Experian Membership Team nor the Fraud Department did not take any action nor provided any evidence. EXPERIAN IS REPORTING BUSINESS ACCOUNT ON MY PERSONAL PROFILE, this account is a result of identity theft.

I need to refinance my home, due to this inaccurate information reporting, my mortgage got denied. This inaccurate reporting is a result of identity theft. I am also attaching the documentation to this report.

1. FTC Identity Theft Report 2. Police Report 3. XXXX Bank statement which clearly states this is a business account.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have sent out the bankruptcy letter to XXXX and XXXX to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted XXXX delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for XXXX told me on the XX/XX/XXXX they will delet public record never done it
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I want the reports updated and information with this house loan and other accounts on my reports Experian / XXXX / XXXX XXXX they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new one on line and by the mail. i have attached paper work to as whom i, am with the 3 credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

BofA closed my account after 8 years without any notification claiming I had used my credit card too much but there was no balance at all for years. I opened my account around XXXX. I have not used my credit card with BofA for years, but I'm doing some renovations and wanted to use my card now. I requested a replacement card and it arrived yesterday. When I tried to activate it today, I could not login to my app or online banking account because it said there were no open accounts. I spent 30 minutes on the phone speaking with one clueless rep after another telling me they didn't know what had happened either. Finally, one rep explains that after issuing me a replacement card they decided to close my account because I had used too much credit on my card. I explained that there was XXXX balance on my card and I hadn't used it in years. I asked what this decision was actually based on and without consulting me at all. She didn't know. She claimed a letter had been mailed to me and I should've received it last week. ( I've received all other mail without any issues. ) I asked how come I got numerous updates via the app and via email about the status of my replacement card, but that I have to call them to find out they closed my accounts without my authorization. She couldn't answer that either. I have been a customer with BofA since XXXX with no issues whatsoever ( no late payments, no large balances, nothing ). The whole thing is incredibly insulting and disrespectful. I moved back to the U.S. as an adult in XXXX and had to build my credit from scratch, despite have had my own credit cards since XXXX ( in XXXX ). I am employed, pay all my bills on time and own my house outright. I am not a credit risk - other than that I am an unmarried woman and I've been told by BofA branch staff before that BofA tries to avoid giving credit to single women, so is that what's going on here? I've spent the past 20 years doing research. Do I need to look into how many other long-term customers have had their accounts closed this year without warning? It'll be interesting to see how many of them were women and/or minorities.
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I sent money via the MoneyGram app to another country and i got a confirmation email stating that the money was sent. But 1hour later i got an email saying it was canceled but its already 3 days and my refund is still not available!!! They took the money out real quick but they couldnt give it back quickly
Consumer complaint received 2020-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I called the company. It is now XX/XX/XXXX. I got a loan out for XXXX in XX/XX/XXXX and have made on time payments ever since. I called to discuss payment options and found that after all of this time I still owe XXXX. I have paid them double at this point. I called to see if I can get a payoff discount or a way to be able to assist as this has begun to create a hardship. I explained this to the agent and they said there is nothing that they can do to assist me. Now I feel trapped and don't feel I can do anything to get out of this.
Consumer complaint received 2022-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear, GREAT LAKES BORROWER I agree to pay the following financial obligation regarding my account in which I might lawfully owe, on one condition : Within XXXX ( XXXX ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both GREAT LAKES AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 


Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301. 
Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

Synchrony Bank has closed my XXXX and XXXX credit card account. This account was in good standing, and I received no notice that it was being closed. The reason they are stating is because of credit worthiness. When this card was active my credit score was in the XXXX 's. After closing the account my credit score dropped at least XXXX points. The credit limit was {$4000.00}. I have XXXX other accounts with Sychrony that are all in good standing. In my opinion, their reasoning for closing this particular account is not valid.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (GA)

During the year XXXX starting in XXXX of that year, I was arrested for a crime and ended up spending a XXXX month sentence behind bars. During my incarceration I would call a friend and have them call the bank on 3-way to check account balances and try to set up a way for me to pay necessary bills. My account was defrauded for almost XXXX if not XXXX XXXX dollars because of an inmate or employee of XXXX XXXX detention center. After this I called the bank again from jail to report fraud. They returned the money never doing a real investigation or arresting individual involved during this incident. Once money was returned I asked a family member to take control of funds to ensure safety of checking account balance so that bills are paid. Like the power of attorney document says the principals interest and property is to manage according to the principals wishes and at anytime that the principal feels that the successor is not capable of managing his or her affairs can then relieve the successor of their duties with out going to court if power of attorney documents were not ordered or presented to a judge. I conversed with the said relative, even wrote this individual to tell them that they were fired and should immediately cease and dissolve power of attorney documents prior to going into the bank. I called the bank on several occasions to let them know that no one should have access to any of my bank information or account information and that I was still in jail waiting to be released. I asked agents to add a code word in order to create an extra layer of security so that said family member XXXX couldnt access my account. Documents even stated that this person is not to take from my savings account ever and bank still allowed it, never considered my recommendations or request when it comes to account given the fact Im the account holder. Upon release which was XX/XX/XXXX, I obtain all my information like debit card, id and other things such as my wallet. I checked my account balance and upon checking it I realized that the funds were XXXX  lower than expected. None of my bills were ever paid. Second set of fraud started XX/XX/XXXX where a share check was given for XXXX, another for XXXX on XX/XX/XXXX there are several others even a withdrawal from my savings where it is said he is not to touch that. I entered the bank in XXXX spoke to a branch manager by the name of XXXX who refused to help and called law enforcement and falsely accused me of being aggressive in the bank and I never left the chair I sat in or raised my voice to her or any other employees.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

New Rez, LLC put windstorm insurance on my house. I already had windstorm insurance. It appeared on my account on their website. However, they did not have my homeowners insurance on my account. I submitted the homeowners insurance. For some reason, they removed the windstorm insurance. Then charged me for the insurance they put on it. They still are not paying my homeowners insurance. They are charging me for windstorm insurance. It's absolutely absurd.
Consumer complaint received 2019-05-31
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (CA)

On XX/XX/XXXX I received a bill from Coast Professional Inc. I owed XXXX I sent a letter XX/XX/XXXX to inquire verification of debt. I asked them in writing for more information on the their company as well along a copy of the judgement against me. I did go to University of XXXX for a semester XX/XX/XXXX, my cost was to be XXXX. I paid back around XXXX .Cost sent me another bill from them XXXX. along with a generic promissory note with a date XX/XX/XXXX which I went to school XX/XX/XXXX. I just want to know what they are charging me for, I want a breakdown of what I am paying for and they will not give me.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX