davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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 the 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 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (OR)

They sent a letter to me accusing me of fraud because the very good scam on XXXX involved a phone call. I called the company several times and sent this letter. 
This note is regarding payment on this invoice. The {$79.00} charged on XXXX and the {$79.00} charged on XXXX are lagitiment charges that I made and will be paid. The charge on XXXX of {$950.00} was not a charge I made. It was a scam to get my credit card number and I called within minutes of realizing that it was a scam. A woman answered and said the charge would show up on the next months billing but it would be taken care of. It is still on the statement and I am being charged interest and accused of fraud. I am not paying this charge as I had nothing to do with this scam. 
XXXX
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OK)

I paid off an American Express XXXX card in XXXX of XXXX. They sent a replacement card that summer but I did not activate it. Since then, they have been charging me the annual fee in XXXX, XXXX and XXXX. 

When I called in, they cancelled the card but only gave me the XXXX money back. I know it is small, but I did not activate the XXXX card. In the past, I have tried to investigate this but the website does not allow me to log in and does not recognize any of my emails that might have been tied to the card. They still billed me. I know that I should have called in sooner, but these fees are so automatic and hidden in the course of everyday life. And my family was hit hard by covid. 

I find it frustrating that AmEx fine print says I have to call in to cancel. Not activating a card seems like cancelling to me. Also, the only card sent to me was in XXXX. None in XXXX or XXXX. That would have alerted me if they had sent out cards. 

Right now, I paid {$100.00} in XXXX and {$99.00} in XXXX. They have refunded me XXXX payment. 

Thank you for listening. Where would we be without you, XXXX XXXX
Consumer complaint received 2022-09-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

On XX/XX/XXXX, I received notice that my mortgage had once again been transferred to a new mortgage servicer : Fifth Third Bank ( the Bank ) Mortgage Loan Servicing XXXX XXXX XXXX XXXX, OH XXXX On XX/XX/XXXX, I received a letter stating my pin for a " XXXX XXXX XXXX XXXX had been changed. I contacted the Bank at XXXX and proceeded to wait 20 minutes before I was able to speak with someone. After I spoke with one agent, she stated not to worry, that the bank was a " card based, '' bank, whatever that means, and that I had to have a card with the Bank in order to do business with them. This conduct is eerily similar to XXXX XXXX opening accounts without permission. ( See link ) XXXX XXXX XXXX # : ~ : XXXX % XXXX  % XXXX % XXXX, XXXX % XXXX % XXXX % XXXX % XXXX % 20 % 243 % XXXX % XXXX % XXXX % XXXX, of % XXXX % XXXX % XXXX % XXXX I did not open a " XXXX XXXX. '' When I asked to close the account, I was told that I could not. I asked for a statement from the company negating their XX/XX/XXXX letter telling me to call in if I did not request a pin. I was told that the company can not provide a written letter. The company has committed fraud in two ways : first, opening a " XXXX XXXX, '' without my permission. 

Second, claiming a " XXXX XXXX, '' is the same thing as a " Virtual Card. '' My correspondence discussed a " XXXX XXXX, '' and made no reference to a virtual card. This letter has caused me severe emotional distress because I was not allowed to cancel this card despite requesting more than once.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NC)

I had a business checking account at Chase bank located at XXXX XXXX way, XXXX, NC. The account number was XXXX under company name XXXX XXXX XXXX. I received an account closure letter in the mail on XX/XX/XXXX stating the account would be closed on XX/XX/XXXX and went to the bank to prevent the account closure. I had wired {$40000.00} from my personal brokerage account at XXXX to that Chase account before knowing they intended to close the account. While I was at the bank talking to the branch manager attempting to prevent the closure and reverse the wire payment ( which was sent the same day ) my account was frozen and closed immediately instead of the stated closure date on XX/XX/XXXX. I tried to have the {$40000.00} wire recalled from XXXX and also at Chase at this point but Chase refused to allow the wire to be recalled. After numerous long calls to Chase they eventually told me that they had mailed a check for the {$40000.00} to me and that it would arrive in XXXX to 10 business days from XX/XX/XXXX. They refused to give me any tracking information for said check. After 12 business days I checked the mailbox and no check has been received. I believe Chase has stolen this money and doesn't intend to release it to me.
Consumer complaint received 2022-07-20
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)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights 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 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

We are again being given misleading information and they are intentionally. Who is the investor on our loan, we were told XXXX XXXX is the investor and they denied our request for fixed mortgage term. We received Trial Modification plan XXXX we made our trial payment and the 1st mortgage payment. Received final modification agreement which included a balloon payment term. We called the mortgage company spoke to XXXX ID # XXXX he stated Quality Control Team will be looking at other options. He said the Investors are XXXX XXXX also known as XXXX XXXX XXXX, made the decision to deny the modification. We did not have a balloon payment with our previous mortgage before they modified the mortgage to a balloon term. We were told to resubmit all mortgage assistance documents again so XXXX XXXX could give us a fixed term mortgage. We have resubmitted the required documents and now they have denied our mortgage assistance request and said we have excessive inquires, credit limits on credit utilization is high. We have read in mortgage assistance articles XXXX  XXXX  XXXX XXXX credit is not to be used as the criteria to provide mortgage assistance. Also we call to asked our mortgage assistance request. Documents in our possession reflect XXXX XXXX XXXX XXXX is the investor on ouying to make us lose our house.
Consumer complaint received 2024-08-08
Product: Credit reporting 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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-09-17
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)

I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (UT)

I received a letter from CitiBank dated XX/XX/XXXX stating they were unable to service my account any longer so they were closing my accounts and the funds in the accounts would be sent to me by check within XXXX days. 

On XX/XX/XXXX I sent a letter requesting to know why they felt they were unable to service my accounts. They did not respond. 

On XX/XX/XXXX I called the number given to me in the letter dated XX/XX/XXXX. The agent stated I would need to contact some one else for further information. I requested to speak with a supervisor. After being repeatedly placed on hold she comes on the line and tells me she has transferred me to a supervisor and she disconnects, no one comes on the line and the call is disconnected. I again call to request a supervisor and am told I would not be issued the funds in my account because the funds in the account were not mine. If it's not my money then whose is it? When I asked whose funds they were then she states she can't give me that information. I request the supervisor for further information. Again I am repeatedly put on hold, again they come on the line telling me I am being connected to a supervisor and they disconnect, again no one comes on the line and the call is disconnected. 

I had approximately {$1100.00} in my checking account and {$87.00} in my savings
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been unable to access my Transunion Credit Report for over a year, via multiple modes. I have tried accessing it via XXXX and via the Transunion website, and I continually receive error messages which prevent me from accessing the report, which I have a right to view. I am able to access my XXXX  and XXXX  reports with no problem. 

Several months ago I spent hours on the phone with Transunion attempting to resolve the problem, and was ultimately informed that TU had two files for me ... one under my legal name ( XXXX ) and one under my nickname ( XXXX  ). I asked that they merge these files, which they did and I was briefly able to access my report as expected. The problem appears to have reappeared. 

I called in again today and was informed that I will need to contact the Special Handling department in order to resolve the issue, which is indeed the same as before. It is a national holiday and therefore the office is closed until Monday. 

I do not wish to call Transunion every single time I need to see my credit report in order to resolve this issue and I am deeply confused and frustrated as to why this issue keeps happening. How difficult can it be to deal with a person 's legal name and nickname which are both registered under the same SSN?
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (MD)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: AXOS FINANCIAL, INC. (OH)

On XX/XX/2022 my automatic payment of {$450.00} was scheduled, in addition I authorized an additional payment of {$500.00} for a total of {$950.00}. However, when they pulled the payments from my bank account on XX/XX/2022 they pulled two payments of {$450.00} and one payment of {$500.00} for a total of {$1300.00}. 

After contacting the company they have extensively tried to tell me that I set up 2 separate auto payments for the regular installment amount, which is completely untrue. They also insist that it will take 30 days for them to refund the unauthorized payment. It is completely ridiculous that a bank can hold my money, that they took without my authorization, XXXX for a month. They have repeatedly told me that it is the only thing they can do.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

Our property taxes are escrowed with our mortgage company : Dovenmuehle. Our XXXX property taxes were due XX/XX/XXXX but Dovenmuehle failed to pay these taxes. I received a letter from XXXX XXXX XXXX XXXX XXXX informing us that our property taxes were delinquent on XX/XX/XXXX. I immediately contacted Dovenmuehle and was finally able to find out that they had sent the tax payment and a portion of the late fees via regular mail. I received a 2nd letter from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX informing me that there was still {$50.00} due in late fees and that they have placed a lien on our property! I immediately went to and paid the remaining {$50.00} out of our own pocket to ensure that our house was not foreclosed due to Dovenmuehle 's lack of action. 

I have spoken on the phone to Dovenmuehle at least 3 times : XXXX and supervisor Candle on XX/XX/XXXX, supervisor XXXX on XX/XX/XXXX ( who was supposed to follow-up with me but never did ), and supervisor XXXX on XX/XX/XXXX. Each time I was advised to email XXXX. I emailed this email address on XX/XX/XXXX and XX/XX/XXXX. I received a response on XX/XX/XXXX that " Our records indicate that we disbursed to the XXXX County on XX/XX/XXXX in the amount of {$3600.00} from your escrow account. We are next scheduled to disburse the anticipated amount of {$3100.00} in XX/XX/XXXX. '' This amount does not include the {$50.00} that was still outstanding so I contacted Dovenmuehle via phone and spoke to supervisor XXXX on XX/XX/XXXX. He again advised that I send proof of payment to XXXX. 
He confirmed receipt of the documentation on XX/XX/XXXX and assured me that it would be addressed and he would confirm with me XX/XX/XXXX. I never heard from him again. After resending the information on XX/XX/XXXX, I finally received an email response on XX/XX/XXXX that " Our records indicate that this matter was researched thoroughly, and it was determined that your taxes are paid current. We are next due to disburse a {$3600.00} tax payment on your behalf to the XXXX County Tax Commissioner in XX/XX/XXXX. '' I responded again on XX/XX/XXXX with documentation stating that they still owed us {$50.00} but don't expect a response. Hours on the phone over at least 3 calls and 5 emails later, we are still out {$50.00} with a lien on our record for 7 years. The customer service at Dovenmuehle is atrocious!
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (CA)

I reviewed my credit report and found the Collection Bureau of America reported a collection to my XXXX credit report on behalf of the University Of The XXXXXXXX without properly notifying me at first. I requested validation and received a letter and a statement. They did not give me all of the information as required by federal law. I explained to the University of the XXXX many times that this debt should have been filed as an insurance claim through XXXX XXXX. I had insurance. I contacted XXXX XXXX and they informed me they never received a claim from this organization. I never received any letters as an attempt to collect a debt from the The Collection Bureau of America.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (IA)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount