davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
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 — Their investigation did not fix an error on your report
Company: Consumer Adjustment Company Incorporated (TX)

To whom it may concern : I have reviewed my credit report and see that your company ( CONSUMER ADJUSTMENT COMPANY ) has listed an account on my credit file with A balance. XXXX XXXX XX/XX/XXXX XX/XX/XXXX OF {$1000.00} ) I have attached A screenshot of the reporting reflecting on my consumer report. I have NEVER been at such medical facility or received care from such place. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
Consumer complaint received 2021-11-20
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: WELLS FARGO & COMPANY (FL)

I currently reside in XXXX and my vehicle is registered in XXXX. I paid my loan off in XXXX. Wells Fargo Dealer Services told me they released the title on XX/XX/XXXX to the XXXX XXXX XXXX and the only way I can get the title is if I fly to XXXX XXXX and go to the XXXX. I asked if they could request a copy and just send to me and he ( XXXX from Wells Fargo Dealer Services ) told me he could not. I was not able to speak with a XXXX I had to leave a message and get a call back in XXXX. XXXX also said he can send me a XXXX release letter but he knows XXXX XXXX wont accept that ; which why offer if you know that is not going to help. All I need is my car title that I paid off.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX and XXXX has violated my rights. 

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
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NC)

I completed a modification packet to my mortgage company, Roundpoint Mortgage Servicing Corp. They sent me the completed modification documents in the mail. They said I had to contact them verbally to agree to it before XX/XX/2022, which I did. The first payment is supposed to be on XX/XX/XXXX in the amount of {$600.00}. Now they are trying to breech the contract, and not honor the modification.
Consumer complaint received 2020-12-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Delete this account i have attached documents..This account is paid off but still reporting a balance ... this is killing my credit score i have tried multiple times to fix this with you and the original creditor and have had nothing happen. Delete this account from my report immediately ... My next step is taking this to a consumer attorney and the state attorney general.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

There are multiple charges in the thousands that were taken from my account but not me and theyve denied the claim. 

XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$140.00}
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX  continue to call my mother and leaving her messages about filling a complaint agaisnt me, I have never rcvd a call from them. The first time i spoke to them they advised that i had an account with capital one for cc for {$900.00} with interest is going to {$2200.00} from year XXXX put could make a payment over phone for {$1300.00} to settle out of court. I advise that i have never rcvd any documentation on this account ever, then she when to saying that she would wait til end of day to submit on XX/XX/XXXX. the calls continue to my mother the following week reach out to them on XX/XX/XXXX they provided me with the company name of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, the kept threatening with taking me to court and the she would have an office serve me with document i did request to have the phone calls stop to my mother then XXXX become irritated and getting an attitude with me that i ended the call, they advised to contact capital one which i did the only info capital one provided me was a cc for {$400.00} that was sold to different company.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Freedom Mortgage Company (OH)

I bought my home in 2016 and when I went to look at report. My mortgage is not even on my credit. I can't get anyone from freedom mortgage to answer my questions. I have had the loan in good standing for 7 years and it isn't even reporting. Also if I need to apply for any kind of line of credit saying I'm a home owner it looks like I'm lying which is fraud. I need this reported on my credit reports.
Consumer complaint received 2021-02-01
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. (GA)

I have repeatedly asked the credit bureau to verify information on a report. they have refused to verify the information provided by CBA of GA. They have listed the item of verified and refused to say how they verified. I have talked to the original vendor and even they agree the information is not correct. they have failed to follow the rules and verify the account. I have even hired a law firm to send them letters and they have not responded.
Consumer complaint received 2022-11-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have paid off every credit card that I have except XXXX on my XXXX XXXX   and XXXX and transunion are steadly droppping my credit score instead of raising it. All payments were paid before due dates and I at one time had a credit score of XXXX and its dropped stedily since even with on time payments and paying off credit early. Called XXXX and they have no way to check into why is what the girl on the phone told me this morning. Their ID verification doesn't work we tried twice it wouldn't go past the loading phase. So she can't send me my up to date credit report. They can drop your credit at any time at their own disgression and we the consumer have no recourse.
Consumer complaint received 2024-11-21
Product: Credit 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: CITIBANK, N.A. (FL)

On XX/XX/XXXX and XXXX Bought from XXXX XXXX XXXX XXXX ) decorative masks= {$4400.00} to be shipped airfreight to XXXX XXXX XXXX Items not received until XXXX XXXX!!! XXXX XXXX declined to release them to me because packing ( inside items were ok ) was not properly fumigated as per U.S.Regulations. So, package was withheld. I disputed charges with XXXX and Citicard # XXXX ( {$4400.00}? and XXXX ( {$150000.00} ). Then vacationed in XXXX for XXXX month ( used Citicard there many times which proves we were there ) while in XXXX Citi requested more info by mail to our XXXX address. We of course did not get it in XXXX. So Citi denied our disputes. Upon our return, we spoke to Citi on XXXX XXXX, explained the situation and they allowed us to present our dISPUTES. XXXX days ago ( XX/XX/XXXX ) Citi denied disputes again they told us we had missed deadline!!!!! AS IF WE HAD NOT SPOKEN ABOUT IT BEFORE. WE HAVE NEVER RECEIVED OR HAD ACCESS TO our MERCHANDISEXXXX!!! Shipper 's internal memo clearly states they had NOT followed XXXX, XXXX regulations!!! Regardless, Citi will not revisit or defend our position. XXXX XXXX laws DO NOT Allow me to try to fumigate crate, but instead I would have to send it back at my cost. Our broker advised us costs and difficulty would surpass what we had already paid for merchandise and suggested best would be to abandon it to XXXX ( their daily storage {$190.00} daily would be enormous at this stage plus red tape for fumigating and returning, etc )-
Consumer complaint received 2020-09-14
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. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters before this with no response and it has created a very stressful situation. The statute of limitations for the state of New Jersey have expired.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (FL)

XXXXshowinghasveryseriousdelinquencywithmyaccountwhichisinvalid.IhavefirsttwolatepaymentsinXX/XX/2018andXX/XX/XXXXbecausecreditproviderdoesnotsendanydetailsorlogincredentials(accountdetails)inordertopaytheamountwithintimeframeanditswaspaidimmediatelywhenigottherequiredinformationabouttheaccount.duetothisdelay,ihavenotifiedwithveryworstcreditscoreandstatedasseriousdelinquencywithnumberofaccountsonlywithXXXX-XXXXhoweverihavegoodcreditscorebyotherproviders(XXXX-XXXX&XXXX-XXXX).

IhaveseenverybadscorefromSagestreamLLCwhichshowingas-XXXX.Iwouldliketorequest,pleasecorrectthiserrorandtakenecessaryactioninordertogetproperfaircreditscore.Thanks!
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV INC. (FL)

On XX/XX/2022 at XXXX, I sent a direct email to La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and informed them that I reported their fraudulent activity to the U.S. government for XXXX ( please see the attached email ). I closed and locked my Money Network Card card. On XX/XX/2022 at XXXX, I learned my Money Network card account was somehow unlocked and reopened to allowed a {$160000.00} refund from XXXX  XXXX XXXX XXXX ( please view the attached email ). On XX/XX/2022, I closed my Money NetworkXXXX Account XXXX XXXX the telephonic assistance of a Money Network Representative named XXXX. Money Network Representative XXXX informed me that the remaining balance on my Money Network account would be sent to my address in the form of one ( 1 ) check. I was already expecting a previous check from Money Network from my previous account closure on XX/XX/2022. On XX/XX/2022, Money Network allowed a withdrawal of {$31.00} from my closed Money Network account, which resulted in a {$31.00} negative balance ( please view the attached screenshot ). On XX/XX/2022 at XXXX, Money Network accepted another {$150.00} refund to my closed Money Network account ( please view the attached screenshot ). On XX/XX/2022, Money Network deducted {$31.00} from the {$150.00} dollar refund, as if I were paying towards the negative {$31.00} balance. To date, Money Network has not closed my account.
Consumer complaint received 2022-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and the items still haven't been corrected. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (PA)

A scam company representing itself as Synchrony Bank. Fraud asking for social security number calling from XXXX A letter was sent to my home address ( 6 digit zipcode ) claiming to be from Synchrony bank dated XX/XX/2000. First off, QVC does not have a credit card operations department as Synchrony bank is the issuer of the store credit card. Secondly, there is no dollar amount of " balance '' to be paid as well as no account number or ID indicating an account. 

According to this letter, it appears to have been sent from QVC because QVC 's address is listed at the bottom. I called QVC and my account is perfect with no issues. QVC gave me a legitimate number to Synchrony bank and according to their records, no such letter was sent. 

i called the number listed and foolishly gave them my social security number. i called back the number listed XXXX and asked to speak to a XXXX XXXX in credit cards operations. employee had no idea who she is and never heard of her. Said " employee '' of Synchrony bank is elanor and ID # XXXX
Consumer complaint received 2021-02-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (CA)

TD Auto Finance does not operate competently. Repeatedly they record false bank check amounts. I can not access on their website my account. When I call and issue a complaint they do not reply competency or try to resolve this problem. 
TD AUTO FINANCE. act # XXXX my check recorded incorrectly : # XXXX. Amount posted as written {$790.00} Amount incorrectly listed : {$390.00} Despite repeated requests to correct, no action taken.
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

MUCH TO MY DISMAY, I RECEIVED AN ESCROW ANALYSIS STATEMENT DATED XX/XX/2022 XXXX XXXX # XXXX THAT DISPLAYS XXXX FALSE FEES OR XXXX PAST YEARS HOMEOWNERS INSURANCE AND {$130.00} UNJUSTIFIED ESCROW CHARGES. STILL, MY OVERAGE AMOUNT SHOULD BE WAY MORE THAN {$3300.00}. 
IN ADDITION, I WAS CHARGED XXXX FEES FORCE PLACED INSURANCE PREMIUMS OF {$140000.00} AND {$1700.00}. 
XXXX XXXX XXXX IN THE LAST XXXX YEARS HAVE ALWAYS EMAILED TIMELY PROOF OF CONDO MASTER INSURANCE POLICY. THESE ACTIONS BY RUSHMORE LOAN MGMT LLC VIOLATES FEDERAL BANKING LAWS BASED ON PREDATORY AND/OR UNFAIR PRACTICES THAT HAS PUT ME IN HARMS WAY. I AM REQUESTING ALL FALSE FEES TO BE DELETED OFF MY ACCOUNT AFTER OMBUDSMAN/ESCROW AUDIT AND A FULL REFUND OF MY OVERAGES SENT TO MY MAILING ADDRESS.
Consumer complaint received 2021-02-01
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: Experian Information Solutions Inc. (NY)

At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, U.S. Department of Education Account # XXXX, Account # XXXX, Account # XXXX, XXXX - XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-03-11
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!