davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2020-06-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (TX)

I submitted in XXXX a application for a streamline refinance to lower my payment by lowering interest rate. I was told I was approved. My loan officer was negligent in not responding to any request, I then contacted her manager and again no response. I then submitted a email to the managing director XXXX XXXX who then escalated things and it begin to proceed. I was expected to close this month, but last week I get a email from the loan processer after almost 3 months and several escalations only to be told they somehow listed this as a 2nd lien and it should be a first. The only thing I can see is currently they are making money on the higher interest rate therefore delaying me getting a refinance done which will save me money. This is a unfair and deceptive practice and Home point financial should be reviewed and fined for these types of practices.
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Persolve, LLC - Legal - Series 2 (CA)

On XX/XX/XXXX XXXX XXXX XXXX received a garnishment levy order to withhold {$16000.00}. ordered by Persolve LLC.they sid that the original debt was {$10000.00} plus {$6400.00} for interst.they took that money from My checking account. 
When I got the papers from XXXX and Sherif department after the took the money I started to investigate why. XXXX said that they serve me on 2013 but I never got serv at all. When I mention that they said that everyone says that. that never show on my credit report at all. The other thing is that on my checking account was federal money there from the stimulus check and my husband 's social security pension payments too. I explain that to them but they do not listen to me that's why I summiting this complaint. I want to know when and who said that he or she serves me in 2013 what time and what address because by that time I moved after I lost my house. I like to know why they took so long to show up.
Consumer complaint received 2022-11-18
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. (MI)

I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, XXXX, during the month of XXXX, 2018 I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from it's origination to it's closing of account to fully furnish the details of all transactions involved for this balance to exist. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, XXXX, Experian, XXXX erase this account balance to a XXXX balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (TX)

I been a victim of IDENTITY THIFT PROBABLY FOR OVER SERVERAL YEARS. ACCOUNTS, COLLECTIONS, AND INQUIRIES.i HAVE SENT MULTIPLR TINES THRU THR FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS, ACCOUNTS, ETC AND INSTEAT OF BLOCKING IN THR 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON. TO PLEASON SEND ME DOCUMENTS OF PROOF. THEY DIDNT DO IT.. THE ONE ACCOUNT THAT THEY DID TAKE OFF. THEY PUT BACK ON, SAYING THAT THEY CALL ME MULTIPLE TIMES, WHICH IS A LIE.UNDER THE FCRA THEY WOULD NOT PROVID ANY PROOF OF WHAT INFORMATION THEY HAVE. IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT.
Consumer complaint received 2022-05-01
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. (TX)

on XXXX I paid off a Collection from : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX, PA XXXX. They informed that the collection would be deleted from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

Original Creditor : XXXX XXXX XXXX XXXX, XXXX Acct # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX. 
XXXX File # : XXXX Balance : {$2200.00}
Consumer complaint received 2024-10-14
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. (AZ)

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$380.00}
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

Hello, I recently filed a dispute or claim regarding the incident that took place at XX/XX/2020 around XXXX XXXX  at an ATM associated with XXXX XXXX XXXX XXXX. I used the XXXX ATM to deposit cash precisely {$210.00} dollars into my Navy Federal checking account and basically the ATM Shutdown on me as you can see in the picture. It did not provide me with a receipt. It never showed on my statements, so basically it just ate my money. I filed a claim with Navy Federal and they gave me the {$210.00} dollars back but apparently the Navy federal representative for the fraud department told me today that the {$210.00} dollars that navy federal gave me was just provisional credit and that XXXX told navy federal that it did not see my {$210.00} dollars on their ATM audit in which today navy federal took back the money in which i dont understand because the machine took my my money and did not give it back which I dont understand. As you can see in the picture it says the date i took the picture of it shutting down on me. That is my proof of evidence.
Consumer complaint received 2020-06-30
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. (TX)

I disputed the account XXXX ( XXXX   XXXX XXXX ) {$1000.00} with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX  XXXX XXXX ) {$1000.00} is. I have never signed an agreement with XXXX ( XXXX  XXXX XXXX ) {$1000.00}. They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX ) ( {$140.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) ( {$140.00} ) is. I have never signed an agreement with XXXX ( XXXX XXXX ) ( {$140.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX ( {$180.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$180.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX ( {$180.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX ( {$1000.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$1000.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX ( {$1000.00} ). They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

XXXX - {$10.00} transferred into Citi checking account. 

XXXX - Citi checking and savings accounts frozen, told they were under review over the phone. 

XXXX - Notice of account closure given via email and letter in mail - Was told accounts will be closed within 60 days and checks for any outstanding balances will be sent - Savings account ( empty ) immediately closed, checking account still frozen but open XXXX - {$250.00} direct deposit into Citi checking account by XXXX ( employer ) Outstanding balance : {$10000.00} in Citi checking account XXXX - Unauthorized withdrawal of {$10000.00} made by Citi, classified as Other Withdrawal XXXX - Went to Citibank branch in XXXX XXXX, CA - Was told they would not be able to produce a cashiers check and that I would have to wait for the account closure to be finalized. 

XXXX - Unauthorized withdrawal of remaining {$250.00} made by Citi, classified as Other Withdrawal in Citi checking account XXXX at latest - Now-empty Citi checking account closed ( XX/XX/30 is when the final monthly statement was produced ) XXXX - Called Citibank - XXXX to be transferred to specific Fraud XXXX department which XXXX closed my account. 
- Was told that there was nothing they could do and to wait XXXX business days for a check in the amount of {$10000.00} and that they had no idea specifically when the checking account was closed. Since this account could not have been closed after XXXX, XXXX business days would elapse some time in XXXX XXXX - Called Citibank - Transferred to Fraud Prevention/account XXXX - XXXX : A check shouldve been sent out to the address on filed ( as verified ) when the account was closed. I had not received a chock, so I asked them to verify. XXXX ( the account XXXX I was transferred to ) spoke with the bank and quoted the same XXXX business days number and was very vague on when I would receive my money. 

XXXX - At least XXXX business days since account closures have elapsed with no check for the amount that Citi owes me- {$10000.00} - having been received. Complaints being initiated with appropriate regulatory agencies.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I was looking for a new apartment to rent but when the property management run my credit report, they saw a lot of negative accounts with charged off debts under my name. I was shocked and horrified when I heard about it because since I came here in the US I never had or opened a credit card. So I asked for a copy of my credit report and they got it from XXXX. Then there I learned that I was a victim of identity theft. So I reported it immediately to XXXX and place a freeze or fraud alert in my credit report. I also did file a police report, file an affidavit to FTC, and called all the banks/creditors in my credit report to dispute all those fraud accounts. There was 10 fraud accounts on it, thankfully, 7 were already disputed and removed in my credit report but unfortunately, 3 were still there ( 1 account from Wells Fargo amounting to {$14000.00} opened on XX/XX/XXXX and 2 accounts from XXXX amounting to {$8.00} and {$15.00} opened on XX/XX/XXXX ). I reached out to Wells Fargo several times since last year, and even if I already submitted all my supporting documents and told them that I am a victim of identity theft, they keep on denying my claim. They keep on sending me letters stating that my claim was denied because the account was accurate and so I am responsible for that but they did not even send me any proof or ask for supporting documents. That is why I am filing this complaint for Wells Fargo and XXXX because I dont think they are really investigating my case thoroughly and they dont even care for a victim of fraud and theft like me. As a result, I am having a hard time now to get an apartment for myself because of the bad credit that I have and its even harder for me to start on building my credit because of this horrible situation that I experienced.
Consumer complaint received 2022-11-18
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report In acceance with the fair credit Reporting XXXX  act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Collection Agency GENESIS CREDIT MANAGEMENT LLC Original Creditor Name XXXX XXXXXXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2800.00} Status Date XX/XX/XXXX GENESIS CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DateMay XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX  AddressXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX DateXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX DateXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (MD)

A dispute with XXXX XXXX, who notified me a couple of years after XXXX, I was told it was doctor coding for XXXX  I did for two doctors ( one at a tiime ), I know one doctor contacted them and they said they had this problem with them for other patients. After several months, monies they said I owed was handed over to a debt collector who opened a new account and placed on my credit report Global Radius is the culprit, I did not open an account with them. I have since had to have my blood work ( lab work ) handled by another company. Told them about my situation and was told that a lab company doesn't have the right to put a supposed lab debt on a credit report or sell to a debt collector and why and how did this debt collector open an account on my credit report. I feel this is a scam and a way to ruin my credit score by falsely stating that I opened an account with Global Radius, they have also sent me correspondence asking that I pay a lower amount and they would erase my debt. Please help me to solve this problem. These companies should not have the right to damage a persons credit history.
Consumer complaint received 2024-10-15
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. (TX)

I am seeking your assistance regarding this incorrect account being listed on my credit report. This issue has negatively impacted my reputation, and I need your support to resolve it. Your mishandling of my report has greatly affected me, and this mistake has tarnished my reputation. You must take action to remove this incorrect information from my credit report.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (AZ)

XX/XX/XXXX Six unauthorized transactions were noticed in our account. Three each from people we do not know. Very typical debit card fraud. Paypal recorded telephone line says they could not take our call. They did not offer a return call, they just sent us to their website. We disputed the charges on the website. Received email denials XX/XX/XXXX, XX/XX/XXXX on our cases saying the charges were authorized. They were not authorized but no-one will answer our call after numerous attempts to explain why they made this determination.. The amount is approximately {$180.00} and we did not make purchases or authorize any purchases. There is no description of what was purchased. This is purely negligent on Paypal 's behalf not to give us an explanation why they denied our complaint but more importantly we can not speak to anyone after a week of attempts by phone. They simply say on a recorded line they " do not have the personnel to answer a phone call. '' Q : Isn't a bank required Not to be closed for more than 3 days?
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc. (NY)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (PA)

The company " Caine & Weiner '' is attempting to collect a debt from me for the amount of {$320.00} that I DO NOT OWE. I have sent this company multiple Verification and Validation request, and this company has not sent me ANYTHING proving that this debt is mine. This company is in violation of the FDCPA. Caine & Weiner has violated the FDCPA and my rights by trying to collect a debt from me which could not be properly verified or validated. This company has ignored my written request to validate this debt, this company DID NOT get my authorization to try collect this debt. I have NEVER gone into any business with this company, they did not have my authorization to have my social security information, personal information, or collect any debt from me. The last letter I sent this company was a " Intent to file Suit '' because they have violated several laws per the FDCPA and I still intend on suing if this account is not deleted from my credit reports immediately. Attached with this complaint is all of the correspondences between Caine & Weiner and myself, and to be very clear this company was suppose to respond to my request 30 days after the Intent to file suit letter, and they have not, This is also a violation. My attorney and I plan to use all of these violations in court.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XX/XX/2019, I was offered a balance transfer with a 0 % APR. On my most recent statement, the rate was increased to 22.99 % and I was charged {$150.00} in interest with no warning or notification. Capital One admitted that the last notification they provided was over 15 months ago, in XX/XX/2019. Additionally, while the XX/XX/2019 statement provided by Capital One does list the offer end date, it is not mentioned on the Account Terms which are legally binding. This is clearly out of line with industry practices as XXXX  XXXX XXXX has sent multiple notifications when their offers are ending.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALAMEDA MORTGAGE CORPORATION (CA)

Alameda Mortgage in CA closed a loan XXXX. XXXX XXXX I closed another refi. I canceled the loan within the 3 day period and gave them back XXXX of the XXXX cash out and XXXX in cc payoff, so all money returned less XXXX in actual damages they caused me. Alameda has resold the loan to the money source. Alameda never communicated with me except to bill me for new loan. The sent their att to harass me and extort XXXX or no cancelation. XXXX in tax n ins they never paid was requested or no cancel. I sent in payments to 1st loan on checks and electronically with loan id and month and p+i. The payments were applied to loan 2. I canceled a check, they knew, they sent it to XXXX XXXX XXXX as payment on loan 2.