davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim I owe {$11000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 


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. And also you are reporting an inaccurate address which means i have never received any mail from webber about an alleged debt that i owe them. 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. Be aware that I am making a final goodwill attempt to have you clear up this matter. whats attatched... XXXX complaint your " proof '' Dispute Letter.
Consumer complaint received 2022-07-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Cascade Capital, LLC (FL)

I voluntarily returned my XXXX XXXX to XXXX financial around XXXX due to mechanical issues ( paid XXXX in repairs in 2 years ). XXXX XXXX and their attorneys XXXX and XXXX placed a judgment on me on XX/XX/XXXX. This date is clearly past the 5 year statute of limitations in Florida to collect the debt. I called XXXX and XXXX and asked why they did this after the statute of limitations expired. The representative told me I made a single payment 3 years after I returned the car and that payment started the clock over again and they can collect on the debt. I didnt make a payment to them and asked for proof of payment, date of payment and mode of payment. XXXX and XXXX told me they didnt have the info on the payment they said I made, but they would get the info and contact me via phone or email to prove I made a single payment years after I gave the car back. Never received a call or mail proving the payment. I called back asking for the info and the representative said they cant get me proof of the payment they said I made. XXXX and XXXX t placed a garnishment on a chase account ( XX/XX/XXXX ) I shared with my XXXX XXXX XXXX grandfather with I was taking care of him at the end of his life. The judge in XXXX XXXX XXXX Florida reversed the garnishment on a web conference call and returned the money back to my grandfathers account since I made no deposits into the account and his account consisted of Pensions, social security and POW benefits from XXXX. They did however take around {$800.00} from a chase account I opened while taking care of my grandfather in Arizona. 


. They also violated the fair debt collection act numerous times trying the collect the debt. They called X wife and relatives with strong arm collection tactics saying the Sherriff was coming to my house unless I contacted them or paid the debt. I contacted Cascade via mail and to them to only correspond with me via mail due to their tactics. The calls stopped for a while and started back up. They would call me and do the same tactics.

In closing, Cascade Capital and XXXX and XXXX cant prove I made the single payment years after I returned the car and before the 5 year statute of limitations expired. I feel like they made up the payment to extend the judgment. A quick online search shows this is not the first time they have used this tactic to extend the statute of limitations so they can continue to collect after the statute of limitations expired They also recently placed another judgment on me to keep this going to try to collect. Its been a nightmare for sure.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I was notified last night that my Experian account 's email credentials had changed. I called and confirmed that someone else had recovered my account, changed the username, the email address and the phone number to something else. 

They could not give me more information. They claimed additional information will be sent to me in the next five business days. 

I want to file a police report just to go on record of this event, but the XXXX police department requires that I already filed a complaint with the FTC. The FTC website sent me here. 

I've restored access to my Experian account, changed the email, password and phone number back to mine. I dont know what else to do.
Consumer complaint received 2020-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After forwarding all the documents needed for my Dispute along with an official police Report with a UCC filing from the Secretary of state for Illinois showing there is no Debt Registered, these credit Bureaus still did not remove this from my file claiming the contacted the Bank and verified this account with no evidence to me which is against FDCPA Law and violates consumer protection law.
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Northern Trust Company, The (CA)

Northern Trust Bank incorrectly desposited a trust into my XXXX IRA and is unwilling to help remedy the problem. 

Approximately 1 year ago ( XX/XX/XXXX ), I received shares from a XXXX in the amount of approximately {$500000.00}. I was contacted by Northern Trust Bank ( NTB ) to process the transfer. I was asked if I had an account elsewhere without specification for type. I provided the account number for a XXXX XXXX Account- which was a XXXX IRA. NTB then deposited the shares into that XXXX IRA. I had no knowledge that I needed to create a different account type or that something incorrect occurred. 

Fast forward to XX/XX/XXXX, I went into XXXX to begin the process to speak with a financial planner to start learning what to do with the funds. I was informed at that time that the money was incorrectly send to the XXXX IRA and it needed to be fixed. 

I contacted NTB to ask for support. Despite many attempts and many emails/calls to different people at NTB, they refused to help. In one email the response was, " Please work with your company to get this matter resolve as your mistake has nothing to do with Northern Trust ''. 
I disagree that it has nothing to do with NTB and that it was my mistake. NTB was a fiduciary advisor to the trusts and I believe, if they were working directly with me to make sure the funds were distributed correctly, which is their responsibility and for which they have expertise, they should have explained exactly which type of account I should open, they should have verified the account information to see that the one I provided was a XXXX and then provided instruction on next steps. If they would have directed me to open a brokerage account, I would have done so. 

XXXX have been going above and beyond to try to help remedy the situation. In an attempt to fix the error, XXXX attempted to return the funds to NTB to again receive them into the appropriate accounts. NTB declined some, but accepted some. Currently, there are approximately 600 shares in a " holding account '' that I can not access and that no one can seem to find, and the remainder are still in my XXXX IRA. 

I have spent countless hours on the phone with XXXX and XXXX ( where the holding account lives ) in an effort to get the approximately 600 shares back. I have been unsuccessful to date.

I would like to understand why NTB did not verify the account details to ensure the shares were going to an acceptable place, why they did not specify the account type needed, and why they are not willing to help remedy the situation when it was their fiduciary duty to ensure the funds were transferred correctly.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charged multiple fees, in one shot, the fees didn't show up on the account until 2 or 3 days later, I was unaware of the fees, for using XXXX, because I was already charged and interest for using XXXX app, I never realized I was being charged fees for cash advance when I never took money out. It's XXXX dollars in fees recently and XXXX or more now because of these fees I never realized. I called but capital one said they could do anything about it.
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SIMMONS FIRST NATIONAL CORPORATION (TN)

I purchased almost XXXX plus used vehicle XX/XX/XXXX through Simmons Bank with a loan agreement. Provided proof of insurance through the car dealership that no longer exist to them under Tennessee Law, it is a must or you can not remove the vehicle from the car lot. 

Fast forward to XX/XX/XXXX, I received a letter from Simmons reporting that I need to provide them with proof of insurance from the day of purchase. I thought it very strange of them requesting a Declaration Page from my former insurance company knowing my last payment is coming up the following month and that so many years have passed that I will have difficulty retrieving this proof.

Since then, no resolution has occurred between us, Simmons has started reporting negative payments on my credit report knowing this is about insurance and that I do not owe them anymore payments. I have asked them to stop this action because it is fraudulent, misleading and inaccurate information. This has created a hardship for me, as I am in the process of purchasing a property and applying for extended lines of credit.
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (NC)

I FINANCED A CAR WITH ACOMPANY WHO SOLD THE ACCOUNT TO WESTLAKE FINANCIAL. WE REQUESTED OUR TITLE FREE AND CLEAR. WE HAVE MADE XXXX PAYMENTS OF THE XXXX WE WERE REQUIRED. SO WE HAD OVERPAID. WE PROVIDED OUR PAYMENT HISTORY AND IT MATCHED THERE PAYMENT HISTORY THEY HAD ON FILE. THEY CONTINUED TO ASK FOR A PAYMENT. WE AGAIN PROVIDED OUR PAYMENT HISTORY SHOWING WE WERE IN THE CLEAR AND HAD BEEN. WAITING ON OUR TITLE AND OVERPAYMENT THAT WAS OWED TO US PRIOR TO THE ACCOUNT BEING SOLD TO WESTLAKE FINANCIAL AND THEY WILL NOT RESPOND. BUT, ARE CURRENTLY STILL REPORTING TO MY CREDIT NEG REPORTS TO THIS ACCOUNT.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RIGHT START MORTGAGE, INC. (CA)

I paid for an appraisal that shouldn't have been necessary, due to being denied loan on information that they had been given from the very beginning. I informed them I was applying for loan under the Independent Administration of Estates Act, that the estate was split XXXX ways, and that under the XXXX had full authority to encumber estate. I also sent copy of my " letters of administration ''. This was all done on XX/XX/2022, after which i was told that my " paperwork was reviewed and looks all in order '', again on XXXX XXXX Credit was also checked and discussed during this period. On XX/XX/2022 was advised " a member of our team called a processor would review documents ''. On XX/XX/XXXX, paid appraisal fee. ON XX/XX/2022 I was denied loan on basis of, part 1,, " Unable to deliver clear title ''. I contend that that reason stated for loan denial, and them having been made aware of title situation from the very beginning, we should not have had to pay an appraisal fee, for a loan that knowingly would be denied. Documents were checked by 2 team members and sent to underwriting, without a clear title, THE document absolutely necessary for home to be used for collateral, on a XXXX  year mortgage loan. After contacting them and informing them that I intended to be made " whole '', and that all i needed was a yes/no answer as to paying me back the " unnecessary '' appraisal fee charged, the response was " probate has to finalized before we could get loan ''. Well, that's false, under the XXXX, with full authority, the administrator of an estate can sell or encumber real property, without court supervision, with consent from all interested parties. And even if true, they knew i was still in probate, and again would make need for an appraisal, irrelevant,
Consumer complaint received 2022-07-19
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiries : 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 XXXXXX/XX/XXXX XXXX Employer : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Employers : XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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: Maximus Federal Services, Inc. (OH)

I sent multiple letters to Aidvantage to stop reporting 13 accounts in my consumer report. I never give any verbal or written consent to report any of my informations regarding student loan on my consumer report. I kept sending them letter to stop reporting those accounts but they even did not respond by mail as requested and as my only method of communication, instead, they send me a email that the accounts were accurate and no further actions will be taken. 
The reporting of these accounts is causing my to miss opportunities to access credit and is causing me XXXX  distressed as any lender will mention that I have student loan debt in my consumer report. And making me also miss opportinities to have housing for my family.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MD)

My Shellpoint Mortgage credit reporting has been altered since the loan was sold and closed. It is reporting near correct on XXXX and XXXX, but terribly altered on XXXX. The XXXX XXXX XXXX has the loan still be reported after the sale and transfer date of XX/XX/XXXX. The Shellpoint loan as also reported by XXXX has the start date as XX/XX/XXXX to its transfer date of XX/XX/XXXX. 

The loan is also not recording and reporting that each of the 17 months from XX/XX/XXXX to XX/XX/XXXX that there were 17 payments that were made on time and should be recorded to the credit bureaus. At present this incorrect reporting is hurting our credit score because the account is not showing that a payment was made for each of those 17 months. ( doubled entries should not be indicated ). The CFPB says that the information should be reported correctly and complete.
Consumer complaint received 2024-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Started transferring my assets to Bank of America, opened a checking account and set my direct deposit to be sent there. And applied for two credit cards to transfer all my spending to the bank Ive had a relationship with for so long. For some reason the system denied both my applications. I would like for somebody at the bank to look at my applications and see if they can approve at least the elite card, since I travel a lot. I would love to continue my relationship with Bank of America. 

Applications XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I got a 2nd credit card from Home Depot as the pushed it in the store. Citbank issues the Home Depot cards. I called to make a payment on the card and was told there was a XXXX balance on the card. 

I make numerous purchases at home depot as a contractor. Anyway I finally did find out there had been a purchse of around {$57.00} on the card which I paid if full. However Citibank had added late charges and continued to add late charges each month in spite of the fact their customer service representative had stated there was a XXXX balance. Citibank today tried to bill me {$150.00} - all late fees. Their customer service representatives are not able to do much about it because of Citibank policies even though most of them said they would eliminate if they could. They have also done what they can to hurt my credit over this matter that was caused by their customer service not seeing a balance. 

Citibank management must be a very obnoxious rude group. I will stop using their card and suggest others do as well. Card ends in XXXX and was closed today. The card number on the attached is the still open card and not the one with the late charges. I never saw the card that has the late charges but was told by Citibank customer service it ends in XXXX. They were not allowed to say the whole number.
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NY)

Debt collector called my estranged father indicating I owed over XXXX dollars of debt. As my father did not speak XXXX a minor was put on the phone to translate that is where they provided debt collecting information as well. I called commenity capital bank