davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2020 : charge from XXXX XXXX XXXX for {$99.00} taken from my account. 

I did NOT authorize this transaction. 

Bank sent a statement of transaction. I do not recognize the transaction. It is not a product I would ever use from a business I have never heard of. No product was EVER delivered. I did NOT authorize this purchase. This is criminal and investigations should occur with prosecution of the business that has stolen my money and info. 

Bank has refused claim. 
I tried to contact bank again and waited over 45 minutes and representative hung up while I was discussing the details of this case. 

I have tried to call back and there is no one to talk to, only robots that ask for your critical sensitive information such as social security and pin number.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (OR)

Hello, My wife and I applied to refinance our existing loan through Key Bank on XX/XX/XXXX. Our home was originally appraised at over XXXX XXXX on or around XXXX. The current loan was around $ XXXX when our application was taken. Our home address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. The appraisal value done by XXXX XXXX has reported a value of {$700000.00}. Initially, XXXX XXXX XXXX took our application in a secure portal, and later in our process, he needed help to show the correct income on our application. Then our loan was transferred to XXXX XXXX, and XXXX XXXX reviewed our loan process. The lender ( Key Bank ) authorized an appraiser to start our loan process, and we paid the appraisal fee. Our appraiser was XXXX XXXX XXXX, with license number XXXX. At this point, with our complaint, his license is revoked by The State of Oregon. The long story, XXXX XXXX bodged our appraisal by misrepresenting the actual value of our property, not reporting the correct square footage to the lender, and not correcting the report when he was asked to revisit the property. The Lender, Key Bank, refused to send another appriser and to make it right. They asked me to fill out a report stating the discrepancies and advising me that this was the only action that may occur. They discriminated against giving us a mortgage loan while our income and credit scores were and still are in high percentages. When our application was taken, the interest rate was on or around XXXX XXXX, while our existing loan is around XXXX XXXX. They refunded our appraiser fee and refused to give us a Mortgage loan. 

XXXX XXXX Mortgage Loan Officer NMLS # XXXX Office : XXXX Fax : XXXX Mobile : XXXX XXXX XXXX | XXXX Mortgage Assistant Vice President | Mortgage Loan Officer Office ( XXXX ) XXXX | Fax ( XXXX ) XXXX | Cell ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After lengthly back and forth communications, we were told our home did not appraise to make the loan and the lender did not initiate a qualified appraiser so we can see what the true value for the property was.
Consumer complaint received 2022-11-29
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. (AZ)

Company is reporting a lot of inaccurate and negative information on my personal credit report. I have attempted to dispute several times with them continuing to defame me. Along with the various companies that are attempting to extort payments on alleged debts. These companies have used my credit card number improperly and unlawfully. They are defaming me on a daily basis with negative and inaccurate information. From fake names to fake addresses. To just plain old negative information. I have attempted many times to resolve these issues with billing errors, alleged debts, identity theft, and the continued violation of privacy afforded to me through various federal and state laws. I feel attacked and defamed.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It XXXX Concern : My name is XXXX XXXX and I reside at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. All three major credit bureaus - XXXX, XXXX, and TransUnion - are inaccurately reporting a {$1900.00} account for " XXXX All Goods XXXX that I did not open or authorize. 

I have never had any financial account or business dealings with XXXX. However, this fictional debt continues to appear on my credit reports and severely damage my credit score. 

I have disputed this account in writing with all three credit bureaus multiple times, most recently on XX/XX/2023. However, all three have failed to reasonably investigate and remove the false information as required by the FCRA Section 611 and Section 623. 

This appears to be a violation of the Fair Credit Reporting Act and Section 15 of the Fair Debt Collection Practices Act regarding false and deceptive information. Despite my disputes, the credit bureaus and this furnisher refuse to correct this. 

I request the CFPB open an investigation into the credit bureaus noncompliance and require the immediate deletion of this inaccurate XXXX tradeline. Please contact me at [ phone number ] to discuss this issue further. Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ULRS, Inc. (CA)

A few years ago, we were patients of XXXX XXXX XXXX. Our dental insurance paid for the services and we paid the remaining co-pay. The XXXX XXXX  completed was substandard and faulty, implants fells off, etc. Several of his patients filed complaints against him to the dental board. Last year, in retaliation, he sent fraudulent bills for services never rendered, and attempted to collect on his fraudulent bills through ULG collection agency and attorney XXXX XXXX. 

We have been receiving repeat calls and letters from ULG Collection Agency XXXX XXXX XXXX XXXX, XXXX. We have told them over the phone and in writing that the collection attempt is fraudulent and the services were not rendered. We have disputed the debt in its entirety. Please see details in the attached letters.

For over one year, we continue to receive phone calls by ULG collection agency and letters by Attorney XXXX XXXX XXXX, despite asking them to stop contacting us.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Kimball, Tirey & St. John LLP (NY)

Kimble tirey and saint john a law firm for a x landlord keeps pulling my credit reports without my permission. They have been told to stop and still are constantly pulling my reports. 

They are trying to collect a debt that i do not owe them and never have owed them. 
They fraudulently got a judgement for there client after i relocated out of cali i was never notified of a court hearing. 
I have proof from there client an old email if i moved i owed her nothing this was to stop me from suing her over the damages to my truck, the XXXX on my son, as well as the XXXX on myself and back pay for being out of work due to my injuries. 
These attorneys keep putting this on my credit report then pull my credit report and i have told them they are not authorized to do so and need to stop immediately. 
I have informed them if i found they had pulled my credit report again i was filing a complaint with you and they did so again in XX/XX/2022.
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed a current copy of my credit report and show that inaccurate information is listed on my credit report. I dispute account and have not received and disputes results. This creditor XXXX XXXX ( Original Creditor : UNIVERSITY XXXX XXXX XXXX ) is showing on my credit report as a charge off and open dates and showing an open balance on a charged off account. Per FCRA and/or FDCPA law no credit report is to list an open balance it must show a balance of {$0.00}. below is creditor information. 

creditor : XXXX XXXX ( Original Creditor : UNIVERSITY XXXX XXXX XXXX ) Active balance showing on a charge of account : {$130.00}
Consumer complaint received 2020-12-07
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. (NY)

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 48 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 48 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

Avout 2 years ago i settled a debt with XXXX XXXX. A conpany named Creedance resource mgmt called me the next day as i was to pay and told us that XXXX had switched their company i should pay to. the amount was close to $ 7k. I thought it was odd but i ended up ignoring them and paying with the correct company A month later i started unexpicably losing a lot of money. Those guys calledme acouple more times about ridiculous debts and asking how mich fo i want to pay?

I told them nothing is what i want to pay. The miney kept didappearing throufh what i now kniw were doubked transactions. was told by one debtor that i had called the previous day but i had not.

we list so much money we went into foreclosure and we sold the house.

after micing things got even worse and i would receive calls from people but they did not say they were CRM. We were bring hackef as well. however when i would return the call CRM answered. i threatened to sue and one of their team
w assured me they were not hacking ir stealing from me. i had a little evidence and an assumption but not enough. Now almost a year later they start showing up on XXXX. False debts that i dint owe and people taking out credit in my name. This company needs to be investigated immediately. they are currently threarening us kn our own home and shining infrared lasers into it. sounds crazy but u swear its true. we ar moving we fo not feel safe. please investigate this company
Consumer complaint received 2020-12-07
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. (NY)

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 48 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 48 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NY)

Reference # XXXX I own a Media Production company called XXXX XXXX XXXX  and XXXX XX/XX/XXXX my company was contracted to do a project with an artist/visionary represented by a major media corporation. The job required that I sign an XXXX to not disclose anything about this project, and part what was in the XXXX was the long hours and dates of commitment and the requirement to turn in your phone and apple watch when you are on set. 
First day of Production was XX/XX/2022 so since then I was out of commission and out of reach for the most part, however we will get a day or hours of break here and there. Upon what I thought was my first one week long break from the production on XX/XX/2022 I checked my bank account and saw series of transactions that I did not do or authorized, I called the bank to have my card cancelled and initiate a dispute/fraud alert, upon spending over an hour on the phone going over the fraudulent transactions with the bank representative I was speaking with, she told me that her attempt to submit the transaction for dispute failed because their system was down, she told me to call back at later time and have the dispute put through, she also told me that whenever I call that the transaction is already recorded and I wouldn't have to go through the ordeal of identifying them, she also went ahead and cancelled my card and issued a new one. The next day I called them and I couldn't get through and that same day I had a SOS from the people I was working for requesting that me and my team report back the same day for some work related emergencies. I went back to work and two weeks later we finally have our first week of break and on XX/XX/2022 I spoke with several of the bank representatives, some who hang up on me or perhaps a drop call and finally was able to get one who was patient enough to submit the the claim while I went through the ordeal of identifying the transactions as all the Bank representatives I spoke to before him on the same day and even the one that finally took the claim said that they do not see any note regarding calling about this same issue on XXXX/XXXX/2022, and few days after having this case finally filed I received a letter dated XX/XX/2022 saying that I am responsible for this charges. First of all, what sort of investigation takes one day? I saw this letter two days ago and upon reading it my XXXX XXXX went up, I've suffered a XXXX in the past so I have to let me calm down before i could respond to it as my body and mind was going through the trauma response of this letter and for the past two nights I haven't been able to sleep.
Consumer complaint received 2020-12-08
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. (NV)

These are not my accounts. This is a 2nd request. Some of the creditors did come off on on of the bureaus, but didn't come off of the other ones. Please remove them. Thank you.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On or about XX/XX/2020 I received a letter from Dovenmuehle Mortgage , Inc. informing me that Dovenmuehle Mortgage company would no longer be servicing my mortgage as of XX/XX/2020 and that another servicing company would be taking over the servicing of my mortgage. All payments prior to that date would be honored, but any payments sent after that date should be sent to new servicing company. I made my XXXX payment to Dovenmuehle. On or about XX/XX/2020 I received a letter of introduction from XXXX XXXX, a DBA for XXXX XXXX  XXXX XXXX as the new servicer ; directing me to their website with a new loan number for my net payment due XX/XX/2020. Just prior to that date, I attempted to establish a online account to make my monthly mortgage payments. I was unable to do that to reasons beyond my understanding. I contacted XXXX XXXX 's customer support and they said that the account was not yet established for online access and directed me to mail a payment to XXXX XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX ; which I did through my bank 's online bill pay system on XX/XX/2020. Payment of {$1700.00} cleared my bank XX/XX/2020. On XX/XX/2020 I received a letter from Dovenmuehle retracting the service transfer and instructing me to make a payment to them for my XXXX payment. I subsequently called today, XX/XX/2020 and they suggest I contact XXXX XXXX to try and get my money back. XXXX XXXX 's customer service states that we have no record of your account, nor payment. I believe this is a direct violation of both parties fiduciary responsibilities and they should both be fined for such incompetence! Not to mention, bend over backwards to find and return my funds and ensure that my credit score does not suffer as a result of their errors!
Consumer complaint received 2022-07-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION (MO)

I spoke with check n go loan company XX/XX/XXXX. 2022 They keep calling as debt collectors, first they verify my info then say this is a communication from a debt collector & is a attempt to collect a debt all calls are monitored & recorded. I told them as legal debt collectors you have to follow the fcdpa & not to call me on my work phone & I will reach out to them because it effects my work. She said no they will continue to call. as of today They continue to call me on my work phone during my work hours XXXX with most recent call as of yesterday XX/XX/2022 at XXXX With multiple fcdpa violations Im looking to have this loan closed as paid in full
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was buying a dog and got scammed. I sent {$750.00} through XXXX on XXXX and then today, XXXX I sent {$1400.00} and {$2000.00} through XXXX. 

They said the dog needed a crate. They said the dog needed insurance. Dont ever pay more.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (PA)

In XX/XX/2020 I enrolled in a consumer credit reduction plan. I have two accounts with American Express that I enrolled in the plan. American express denied my enrollment of their products in the consumer plan because they claim I have a XXXX dispute on my account. I called them and they got me on the phone with Customer Service. The customer service agent verified that they could see that the XXXX dispute should not be on my account. The credit management representative assured me that this would be escalated to his supervisors and that it would be removed from my account. A week later I called into check on the status and was told the dispute still had not been removed. I refused to get off the line until I spoke with a supervisor. This supervisor again got american express customer service on the line and they verified that the dispute was their fault and was not correct. The customer service supervisor assured me that she had fixed this error while we were on the phone. She told me it could take two days to show up in their system. I called in two days later and sure enough it was not fixed. I asked to speak with a supervisor again and he assured me that it was moving through the process but that it still wasn't showing up in the system. Almost a week later I called in again and the dispute is still not fixed. Until this dispute is taken off my account I can not enroll these accounts in the debt management program. I have had to pay extra interest and fees because American Express is taking so long to fix this error. I have spent hours on the phone and they tell me a supervisor will return my calls and they don't. It is ridiculous that they can not quickly fix this error so that my debt management account can be complete. I am so frustrated that they keep telling me it's taken care of and it is not. I feel helpless.
Consumer complaint received 2023-08-24
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. (NY)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I am disputing the late charge assessment and derogatory payment reporting on my account. A credit monitoring service indicates they have reported the account as delinquent. Below and attached is a history of payments made and credited. 

Due Date Date Paid Date credited Late charge assessed XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} XX/XX/XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX {$42.00} I called the institution in XXXX  questioning the late charge assessment and was informed they would not be waived. Because of this I closed the account and paid off the remaining balance including the unfair lates charges of {$110.00} prior to the due date of the XXXX payment. I was accessed another late charge on that payment and continue to be assessed additional late charges each month. The last bill I received shows a delinquent balance of {$120.00} which is 3 late charges. Furthermore, and more importantly they have reported the account as delinquent due to these unjust charges.