davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

CREDIT REPORT DISPUTE LETTER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX To Whom It May Concern : I am writing this letter to Dispute certain information that is falsely listed on the credit report listed above.The inaccurate information that appears on my credit report is as follows : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Opened : XXXX, XXXX, XXXX Amount : {$1000.00} Account Type : Education Direct Loans XXXX XXXX XXXX, IOWA XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Amount : {$2000.00} Account Type : Education Direct Loans XXXX XXXX XXXX, IOWA XXXX, IA, XXXX
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

I have requested the loan servicer, Lakeview Loan Servicing LLC ( XXXX ), to establish the escrow account so that my monthly payments would include the property taxes and insurance. I have brought this attention to them multiple times via the phone and the email, and yet they have not responded to me. My first payment is XX/XX/2021 and every time I called them they keep on pushing back the date of completion for this loan escrow analysis. I have submitted multiple tickets with them on the same matter, ticket numbers are XXXX, XXXX, XXXX, and XXXX. The first time was submitted on XX/XX/2021, more than 2 weeks ago. There was system generated confirmation from XXXX confirming the receipt. I also attempted to email the servicer via their email at XXXX, and have not gotten a response as well. In fact, I spoke with the customer service supervisor, XXXX at XXXX, and I was promised this would be done. 

As of today, XX/XX/2021 I have not receiving any correspondence from the company regarding the changing in my monthly payment due to my request for the escrow account even though all the paperwork was submitted.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I refinanced my home on XX/XX/21 it closed on XX/XX/21. 
My old lender Citizens One mortgage is holding my escrow account balance and gives me different amounts that they plan to send at some date in the future. 
I paid my city ( XXXX  ) taxes myself so I could close on my refinance. 
Citizens One tried to pay them the same week after not paying them the previous summer, with no explanation. 
My city tax department rejected the payment from Citizens One and they should have refunded me that {$2200.00} plus {$33.00}. 
The customer service people at Citizens one keep giving me different amounts of the refund they are supposed to be sending and they have not addressed my questions to their online consumer service email system. 

I have a copy of the receipt from my city 's tax department to XXXX Tax Services, the service company for Citizens One tax payments, rejecting the tax payment because I had already paid all the unpaid summer taxes myself.
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxx, has violated my rights. 

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.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I received a credit card offer from American Express in XX/XX/XXXX that included XXXX bonus miles and a cash credit of {$200.00} if I charged {$3000.00} within 3 months. 
On XX/XX/XXXX, I called AmEx to verify that I would be eligible for the bonus. They assured me I was qualified. I had recently had an Amex BLUE card, but this was a GOLD card, so I could get the bonuses. So I applied for and received the card. I then charged over {$3000.00} right away. 
In XXXX I noticed I'd received no bonus, so on XX/XX/XXXX I called and spoke with XXXX, employee # XXXX to complain. She opened case # XXXX. She said investigation would take 7-14 days. 
I received no response, so on XX/XX/XXXX I called and spoke with XXXX, employee # XXXX who said the investigation closed on XX/XX/XXXX and they concluded I was NOT qualified for the bonus, since I had had a BLUE card until XXXX, before receiving my GOLD card. This contradicted what they told me in XXXX. I was then transferred to speak to XXXX, employee # XXXX, who agreed to another investigation. He told me they could listen to the recording of our phone conversation in XXXX of XXXX and if I had been promised the bonuses, I would get them. He told me the investigation would take about a week and they would call me. 
I never received a response ( again ), so on XX/XX/XXXX, I called and spoke to XXXX, employee # XXXX, who told me the new investigation had closed and no bonuses were approved. He could not see that they had listened to the recording of my conversation in XXXX.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (AL)

While I was on a work trip in XXXX, FL I lost my wallet, credit and debit cards that were inside it. When I couldn't find it, I thought it was just in my XXXX  XXXX  XXXX  XXXX  rental. Soon thereafter I realized it was indeed lost. There were a couple of scattered fraudulent transactions across my cards. 
One of the biggest hits was to my target card. 
My trip was XXXX XXXX XXXX 
When reporting the issue, they asked how it was possible they could have used the account since it is pin code protected. I had written that on the card as it was different than my other pin numbers. 
They told me to include that in my report, they would be mailing a form to feel out, so I included that in my report. 
After I did that, shortly thereafter they sent me the letter attached saying it is valid due to the pin being used. Disregarding the fact that I stated the pin number was written on the card. Conducting no investigations into that matter, that was warranted. Adding back the total disputed amount without a proper inquiry. 
I sent the attached letter via certified post to the address a representative gave me on the phone if I was not satisfied with their findings, still noting that the agent over my account was currently unavailable. 
The tracking for said letter is USPS : XXXX XXXX XXXX XXXX XXXX Since doing so, no response of any kind, and the agent is not available for calls. When I tried to call prior to the letter, I called and was told she would call be back within 48 hours which never happened.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

I received almost thirty pages in the mail from BSI Financial Services indicating that I should start paying my mortgage through them. However, when I checked with the mortgage company they confirmed that they had not engaged BSI. The letter is not structured as an offer of services, but " We are now responsible for collecting your loan payments on behalf of your current creditor .... '' which is an entirely fraudulent statement, as neither I or my mortgage holder has engaged the services of BSI.
Consumer complaint received 2023-02-01
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2022-01-10
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: ACS Education Services (IN)

In my efforts to receive relief from unfair debt collections practices, I have decided to continue to file complaints to all that are supposed to assist in regulating and policing individuals who attempt to take advantage of consumers. XXXX has received several disputes from me about a debt collection company that is listed under US DEPARTMENT OF EDU. I have reached out to the company several times, even having mail returned from the listed address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have called their number which is for XXXX XXXX, XXXX. I need to find out the method XXXX is using to validate this alleged debt. A XXXX search to this address reflects a company by the name of ACS, Affiliated Computer Services who was bought by Conduent. I reached out to XXXX XXXX, who is the legal support for Conduent, and he had no answers for me, using my personal data to locate an account. I have spoken with the Department of Education Ombudsman in XX/XX/2021, and they couldn't help, I have looked on the FSA website. I was unsuccessful in finding out who the debt collector listed is, my question is, '' XXXX who are you validating the debt with? '' There is no way you could be responsibly validating this alleged debt. The information listed is incorrect and inaccurate. The account shows the highest balance is XXXX. Payment status is " No Info '' and shows as a " paid collection ''. I am demanding validation. I am demanding to receive the contact information from this debt collector, and Proof of Claim to ensure there is no debt parking on my credit report.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (UT)

Hello, On XXXX XXXXXXXX 2021, my email and and CITI BANK credit card info was compromised/stolen, at which point these individuals created three fraudulent XXXX listings. They then used my email info to setup an XXXX account and made three fraudulent purchases with my Citi Bank credit card info. These individuals went further to create three fraudulent UPS tracking # 's and submitted them as part of their shipping invoices to XXXX. 

On XX/XX/XXXX, I notified Citi Bank of the fraud, and disputed the three fraud transactions : {$37.00}, {$230.00}, {$330.00}. I also contacted XXXX fraud management on XX/XX/2021 and XX/XX/2021 via phone. -- XXXX verbally acknowledged the fraudulent activity came from a blacklisted IP address and the listings were bogus. I stressed to them the importance of stopping payment and cancelling these fraudulent activities. XXXX sent me emails to provide as evidence to Citi Bank. 

I presented Citi Bank evidence of XXXX recognizing the fraudulent activity ( email correspondence ), evidence that I was never shipped any items ( doorbell video ), along with the evidence that the fraudulent XXXX transactions were for items that were obviously labeled as fraud -- for example I was charged {$240.00} for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Of three fraudulent disputed charges, Citi Bank has refused to reverse 2 of them : {$37.00}, {$230.00}, -- and yet inexplicably reversed and credited me the third charge, of {$330.00}. No reasons as to their investigation findings, or why they would only credit one of the three disputed charges. All three disputed charges occurred at the same time, and with the same vendor, and with the same circumstances. 

I have prompted Citi Bank to revisit my case and review my disputed charges. I've provided copies of my XXXX correspondence verifying the fraud took place and yet Citi Bank will not acknowledge the evidence.
Consumer complaint received 2022-06-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NBT BANCORP INC. (MO)

I have attempted over 5 times to reach someone in this companies collection department. When I call, it sends me to a voicemail. Upon leaving a message, they call back only to transfer me again and I must leave another message. They never responded to any of my voicemails left at the transferred call area. I am trying to make payments on my debt however this company does not seem interested in my repayments.
Consumer complaint received 2022-07-13
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. (AZ)

I was shopping for a home refinance a couple months back and they reassured me that I would only get one hard inquiry on my credit report. All the pulls were within a short window and I have complained to Equifax XXXX XXXX XXXX. They removed one of the three and The other two are there days apart one on XX/XX/2022 from Equifax mortgage Ser The 2nd one is on XX/XX/XXXX from XXXX XXXX. 
They removed one but I was told in the short window can shop and only have one hard inquiry on your report. 
Thank you and kind regards XXXX XXXX
Consumer complaint received 2022-07-13
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: DriveTime (TX)

I was asked to cosign on a vehicle for my sister at Drive Time in XXXX of 2014. The vehicle ended up being a lemon and we had to file a complaint through the XXXX  in Arizona because the company here in XXXX said it had ties to the XXXX  here in Texas. The complaint was settled by allowing the return of the vehicle in exchange for my down payment and to remove ALL/ANY information used for the purchase of this vehicle from all three credit reporting agencies. i have recently pulled my credit and my sister has pulled hers and we have accounts on each others ' credit report with incorrect social security numbers and addresses that do not correspond to each others address.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Comes Now, Executor of the Precedent Vested Estate XXXX XXXX XXXX, XXXX XXXX, XXXX here to settle all matters dealing with the principal debtor. As an Investor of the United States, Certificated Security Holder of the principal debtor/Franchise/Cestui que Trust XXXX XXXX XXXX, I have dominion over all rights/interest of the principal debtor, all enjoyments, proceeds, titles, deeds, bonds, chattel papers and securities are due unto me as I have the right of subrogation as the holder in due course. All property of the Precedent vested Estate has been conveyed into the Jurisdiction of the XXXX XXXX XXXX LIVING TRUST.
Consumer complaint received 2024-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WA)

My account had a positive balance. It was overdrawn for just a few hours and since the bank gives an extra day, on the same day I deposited and to my surprise they charged me 3 fees of XXXX dollars each. This bank always charges unfair fees. I know it is my choice to have the service on my account, but in the same way that I fulfill my obligations, I would like them to be honest. I am tired of making the same type of complaint and the situation repeating itself. I just want them to reverse these 3 fees from my account, because I am not going to pay them and this is preventing me from using the account. I ask for an urgent solution. Thank you
Consumer complaint received 2022-12-22
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. (NV)

The FCRA stated purpose is to ensure fair and accurate reporting about consumers. One of the requirements is that the consumer reporting agencies follow reasonable procedures to ensure " maximum possible accuracy '' of information in consumer reports. Experian has not done its due diligence in the reinvestigation of several accounts on my credit file and I have sent notices disputing the completeness and accuracy of these tradelines. They continue to come back verified with no method of verification and no account level documentation. Experian does not require the furnishers to prove that these accounts are in fact complete and accurate. This is a defamation of character! Experian is harming my reputation through the use of words which is also know as libel. They have published false statements of " fact '' about me, published incomplete and inaccurate information to my credit file, acted negligently and ruined my reputation. I have tried numerous occasions to resolve this without involving the courts but that will be my next step.
Consumer complaint received 2020-07-30
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. (MS)

In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XX/XX/XXXX my insurance did not pay my physicians and the Debt was bought by XXXX XXXX in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner
Consumer complaint received 2022-01-10
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NY)

On my credit report, I saw a negativeaccountfrom XXXX XXXX, I went ahead and contacted the creditor, but I never receivedany responses. I went ahead and filed a complaint with CFPB, which then I finallyreceived a responsefrom them. In their response they failedto provide the proof that the account belongs to me. They failed to prove that I saw the trueowner of said debt. Insteadthey informedme that this alleged debt was now sold to a third party collection agency, untildate I have never receivedany communicationfrom them that the account was sold. I also never receivedany communication from Ture Accord ( the company XXXXsaid they sold the debt to ) that is a violationof federal law.I can assumethat both XXXXand TrueAccord know that under federal law they are required to inform the alleged person that the debt is being sold and that that person has 30 day to validate the debt, I have never receivedany of that communication. 
Becausenow XXXX and TrueAccord are in violation of federal law I am requesting this false account be removed from my credit report immediatelyas it does not belong to me. 

This is no way that a XXXX XXXX XXXX, XXXXXXXX XXXX all parties involved should be ashamed of themselves