davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-27
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. (NJ)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2022-07-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

Attached is a copy of my identity theft report. 

After recently checking my credit score I noticed that I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report.
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AL)

Citibank blocked my account around XXXX of XXXX without contacting me or sending any emails about my account been blocked. 

After serval call with their Fraud Department, they said my account is still under review, and I will need to visit their branch in order to remove the block on my account. As a matter of the fact that I am living in Alabama, there is no branch in my state, and the nearest branch will take me 8 hours plus to get there. I have well informed their agent, but they keep ignoring the fact about this unreasonable request and insist me to visit their branch to verify my identity. 

On the second week, I reached out to their supervisor in the " ATO '' department, that supervisor told me that I could mail my Identity document to their corporate office in order to remove the block on my account. 

On XX/XX/2019, I mailed my document out to Citibank, and the mail was delivered on XX/XX/2019. On the next few days, I tried to reach out to their agent in the " ATO '' department. They declined the fact that I was giving this option to remove the block and insist that me to visit their branch. Beyond that, they refuse to disclose any information about my account. As I asked to be transferred to a supervisor, they declined my request and kept repeating that I need to visit their branch. 

As I keep trying to contact their supervisor, some agent starts to give me faulty information, like their supervisor is not on duty, in a meeting, my account is not handled by their department. Blah blah blah ... 

During those calls, I requested my account to be close out so that I can have my money back. They declined my request and said I need to visit a branch to close my account. 

This request is absurd, they only operate in a few states across the U.S, and they expect their customer to visit their branch to solve any banking issues. 

By now, they are still " reviewing '' my account. They refuse to provide and information regarding this account block and a specific timeframe for this " reviewing '' process. It's almost two months since Citibank has blocked my account. This negligence of Citibank cause me tons of troubles, and I'm paying high-interest rate for my credit card since I can't use access fund to pay off my credit card.
Consumer complaint received 2022-10-31
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they Violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts- XXXX XXXX XXXX XXXX XXXX XXXX  florida XXXX XXXX XXXX
Consumer complaint received 2019-08-25
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. (NC)

Information about balances and on time payments is not being recorded correctly or consistently between XXXX, XXXX and Experian. All three say they only report what they are given. The Accounts say they give the same information to all agencies. The result is my credit reports and scores are not the same. This causes financial damage to me personally when I have paid my payments on time.
Consumer complaint received 2019-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

My original mortgage was through Americas Wholesale Lenders a subsidiary of Countrywide Home Loans and was a predatory loan. I purchased my home in XX/XX/XXXX with a jumbo loan from for {$610000.00} with XXXX down and 100 % financing on a 30 year ARM with a 8.5 % interest rate on a first and second mortgage.Bank of America acquired Countrywide. I initially fell behind on payments when I was displaced from my XXXX job in XXXX as my position was eliminated as a reduction in force. I was forced to file bankruptcy in XXXX. After my discharge, Bank of America offered a loan modification instead of foreclosure. I submitted multiple packages for the next two years yet they never actually modified the loan. Shortly, thereafter Bank of America was made to settle on these loans they acquired. I was included in the class action and received several payments including the loans being forgiven. Bank of America forgave the loans. I received a letter from ReconTrust stating the loan was satisfied which I verified with Bank of America. I didn't have any more contact with Bank of America. Six years later XXXX XXXX XXXX XXXX XXXX uses a fraudulent notary document to assign the deed so they can try to foreclose. XXXX XXXX XXXX XXXX XXXX is a subsidiary of Bank of America. The notary on the document XXXX XXXX is a suspected robo-signer on several websites helping Bank of America to illegally foreclose on home loans. He is currently incarcerated for fraud, and the notary itself does not exist. I have the certificate of non fact filing from XXXX XXXX County Recorder of Deeds. I have written to DC Recorder of Deeds several times and never got a response. I have spoken with several representatives at DC Recorder of Deeds and their position is that if the document is notarized and " looks '' legitimate it is accepted. They have stated to me that they do not verify the authenticity of the documents or their validity. I asked would they reverse the filing and was told a resounding No. XXXX XXXX XXXX XXXX XXXX is attempting to foreclose on my home due to a predatory loan. They took money from me after I filed bankruptcy to do a Trial Payment Plan only to move forward with a foreclosure sale anyway which violates bankruptcy laws. They stated that my income isn't enough to qualify for a modification but the loan was predatory in nature and was more than I could afford from the beginning and they knew it.
Consumer complaint received 2019-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (FL)

Requesting my account to be closed due to MLA. Company says I opened the account XX/XX/XXXX so Im not covered. I filled out a new application in XX/XX/XXXX and I received funds XX/XX/XXXX. I checked the box that asked if I was in the military. I also at the time didnt know anything about Military Lending Act but the company was aware of the MLA. They were supposed to deny my application but they didnt. Once I was aware of this later on down the road I reached out to the MobiLoans support team. I was told I was still responsible for the loan and the fees and the Military Lending Act did not cover me. After doing more research Im not responsible for the exaggerated  fees and APR. Im requesting my account to be closed due to the violation of the Military Lending Law.
Consumer complaint received 2021-01-28
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX xxxxxxxxxxxxx XXXX
Consumer complaint received 2019-08-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

In XXXX of 2019. I had checked my credit report with experian, who monitors my credit. I received an alert telling me my credit score was XXXX which I thought was great. Only problem is they said I had a XXXX with ratio to earnings. I could not get any help for credit consolidation. A week later I checked my credit again and it still showed XXXX credit score but my income ratio went up to XXXX. I did not understand since I have not taken any loans out and was trying to fix my credit. A week later I checked my credit after getting an alert from experian. I then checked and it showed my score went down to XXXX and my ratio to spending was at 100 %. I could not understand this and finally called and asked them why. They said because I closed my XXXX account. I explained to them that I closed the account because I was very dissappointed in their windows and lieing to me when I applied for the loan and service. They never told me taht I would have to pay interest a year later. I was doing rela good in paying every month but after this additional {$2500.00} interset I had enough, and because of XXXX filing bankrupcy I closed my account with XXXX and explained why. Little did I know I was dealing with XXXX bank and explained everything to them including that the men that got me the loan from XXXX did something to get me the credit when I could not in the beginning. My complaint is how can they give me a 100 % spending rating for closing the XXXX account. I think this is so unfair. What can I do about what tehy did.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

on or about XX/XX/2019 Capital one failure to take reasonable steps to secure its network led to a data breach, Capital One was reckless and completely disregarded the rights of Mr.XXXX by failing to implement and maintain adequate data security measures and therefore exposed information to criminals for misuse.
Consumer complaint received 2019-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

Charging privileges suspended by American Express. Absolutely NO warning, and no explanation. Account fully current with no balance due. NO explanation given. 30 year customer. When I call American Express, they can not understand why this has been done and advise me I " will be called back '' when they figure out the issue. It has been 6 weeks and I have received NO response. This card is FULLY current., no balance is owed and they appear to have taken away thousands of awards points without explanation.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

This account was opened by the gas company for an apartment I never moved it due to the leasing office requiring the services be set to begin. I was in the hospital unexpectedly and told them I would not be moving into the apartment when they called to set up start date. The original company claimed there is no note of me saying that and that I moved the date. Completely incorrect. The company has sold the debt for utilities I never used. Leasing company for apartments refuse to take responsibility and utility company is deeming me responsible. I do not agree.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

I am being paid as a contractor through XXXX  and sent an international transfer using Wise app XXXX XXXX XXXX 

- On XX/XX/year> - I transferred {$10000.00} dollars to the XXXX XXXX  currency account of Wise.com - The transaction shows as 'completed ' on XXXX but has never arrived in the Wise account. 
XXXX Wise confirmed that the bank account it was sent to is owned by them. 
- Wise tell me they have no visibility on this transaction, despite me providing multiple tracking documents, a trace XXXX XXXX XXXX XXXXXXXX form and additional information. 
- I contacted the 'intermediary bank ' that XXXX  use ( XXXX XXXX XXXX and they confirmed that the responsibility on this matter sits with the remitting bank ( XXXX  )- It is XX/XX/XXXX and I need this money to pay my rent and taxes. I don't know what else to XXXX XXXX XXXX  tried to close my support claim and also told me the funds were 'missing " Please help me.
Consumer complaint received 2022-03-11
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. (MI)

I previously submitted a Disbute and complaint from cfpb to XXXX and the response was updated/the accounts was removed but its NOT! Its currently still on my credit report and it shows 36 late payments from these accounts thats closed XXXX XXXX XXXX XXXX I got these loans are duplicates Ive consolidated all four loans to a new one. XXXX told me I have to get them removed from the credit reporting company. This is really affecting my credit and its stopping me from purchasing a home, financing a car, and earning credit cards. Its listed as late 9 times for each account altogether its 36 late payments which should be illegal plus Ive had these accounts for over 7 years thats past the statute of limitations in Michigan please please remove these accounts.
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

This company, which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Consumer complaint received 2019-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

I have been with chase bank for almost a year and ive always had my account with enough money it it but the bank is refusing to return my overdraft fee. im very disappointed. i also have direct deposit and i lost my whole paycheck because of it. Im ready to leave and go to XXXX XXXX XXXX
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: The Receivable Management Services LLC (KS)

I called the company and enquired about the account and they had my social security number instead of my son 's social security number, I had my son on the phone, and he verified he was the responsible party. Then they told me that he must have given them my social security number, which he denied, but either way the derogatory mark still is on my XXXX report, I have tried several times to dispute this with XXXX. This collection agency knows this is not my account, I have never had insurance with XXXX, and XXXX turned this account over to this collection agency RECEIVABLE MGMT SVCS. Which I believe has put this Derogatory mark for non payment in an attempt to make me pay my son 's payment because I have no bad marks on my credit report and my credit is above 740 points. since he is a junior and I am senior. our names are the same but his social is not the same as mine.
Consumer complaint received 2019-08-24
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc. (WA)

I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX  XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score. 

I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. 

Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. 

When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it. 
2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report. 
XXXX. Because I was activated for XXXX XXXX, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. 

NES responded and provided nothing I asked for except the copy of the promissory note. 

I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. 

So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection (GA)

Perfection Collection contacted me by mail stating that I did not pay a bill for security system that was installed in an apt . complex. I have never lived there and I have lived in my home for 20 years. the collection company said I had to file fraud charges in order for them to take if off my credit. I went down to the XXXX fraud division and filled out paper work. The Investigator sent me a letter with the information so that I could send to the perfection collection. The collection company XXXX said that was not good enough for them and I also spoke with the Supervisor.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act convergent account number XXXX has violated my rights. 

XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A - States I have the right to privacy 15 U.S.C. 1681 604 A - It also states a consumer reporting agency can not furnish an account without my written instruction.