davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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: Armada Corp. (ID)

I submitted two disputes online, one on XX/XX/XXXX and the second on XX/XX/XXXX to the credit bureaus. My rights have been violated by not doing a fair and complete investigation on these accounts and by not notifying me with the results. 

Two accounts on my credit report increase the balance every month. 
Armada Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, Amada  balance increased by {$1.00} XX/XX/XXXX XXXX XXXX XXXX {$7.00} XX/XX/XXXX Amada  increased  {$1.00} XX/XX/XXXX XXXX  increased {$8.00} XX/XX/XXXX XXXX  increased {$9.00}, Amada increased {$1.00} XXXX XXXX is also showing a payment was made on XX/XX/2016 when I have never verified this account nor made a payment to them. 

I don't believe the balances should be changing as these are collection companies, not original creditors. They are also showing a past due balance, when they are collection agencies and should not be reporting past due balances as I have never had an agreement to make a payment with them so how can something be past due?
Consumer complaint received 2022-06-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report has so much false information on it and when I checked all three bureaus all the information across the board is inaccurate. I need this to be resolved immediately. I called multiple times to resolve the issue and I sent in a ton of dispute letters. I also asked them to send me proof of some of these accounts and they have yet to do do. Please get these negative items removed immediately. Not to mention when they do remove some of these items and correct the problem, they add them back on under a different account number and I am tired of this. I know somewhere this is against the law.
Consumer complaint received 2022-07-29
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-12-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (OR)

I saw my XXXX XXXX went down and found a collection agency XXXX XXXX XXXX XXXX is trying to collect {$420.00} for a XXXX XXXX bill that is not mine from XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX using my old name XXXX XXXX to have a XXXX XXXX that is not mine.
Consumer complaint received 2022-09-21
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. (NC)

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 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

As a credit card owner of a XXXX Chase card, I wanted to pay my credit through the bank. I was told that I could and that I could use the single standing atm to pay instead of waiting for the payment to go through online, which takes longer. It has been two days and I can not pay my credit card. I work from 9-5 at an office 30 minutes away ( due to traffic ) from the nearest branch, so it is never open on weekdays, and I live about 1 hour away from that same branch ( because it is the only branch close to me ) on weekends. So I know it is near impossible now to pay my card at the branch location so I try to pay it at their atms instead. But the atms I have used dont work. I have called their customer service which wont let me talk to a representative because Im not a Chase debit card holder so I have to go through the XXXX side in order to let them know their atm is not working. The problem keeps rising because yesterday I was told that these machines have a sensor that lets them know when they are broken but today I was told they do not. I was also sent to someone who could probably pass the information along but they hung up on me. This company says they are for their customers but I have been hung up on and not called back, and also ignored because I have made the right decision to not open anything further than my credit card.
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (SD)

I have spoke with the company previously regarding making payments through their website. They keep saying that they can't take my payment but then contact me multiple times saying they are trying to collect on a debt. I have mentioned to them previously that their dialer system contacts consumers multiple times in one day and this is in violation of my rights. I was told it was fixed. Today, XX/XX/2022, I received 5 calls between XXXX and XXXX XXXX. I believe this to be annoying and harassing as well as against my rights as a consumer. I asked again why I can't make payments through my account online only to be told that they are still doing " updates ''.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I have been referred back to CFPB by the Controller of Currency ( OCC ) letter dated XX/XX/2022. This letter addressed referenced Issues under federal consumer financial laws, as in my case, the Real Estate Settlement Procedures Act ( RESPA ), am implemented by Regulation X, as C, F.R.1024. 

Upon close examination of the Hud 1 document which was Redacted and used as evident in the court case I noticed these inconsistencies : 1. The Loan number on this Hud 1 document has a loan number that is on the page is a loan number that my monthly payments has been made under doing the last over years I have been paying this " Refinance ''.

2. As I have mentioned that this same Hud 1 document which was Redacted and used as evident in the court is has my signature and is lacking any other legal and signatures of closing attorney XXXX XXXX or any other closing officials or any official stamp. 

3. I can not be sure that I even received this money at closing or after closing as I was unable to reach the closing at any time after that day. 

I intend to upload this Hud 1 document and also your response letter concerning this matter in a previous complaint and the letter from the OCC.
Consumer complaint received 2022-08-16
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)

There is a XXXX XXXX account listed on my credit report erroneously. Each bureau reports a different date last active. 

Equifax is reporting acitivity under the payment history while reporting it charged-off and they also report the date last active as current ( XX/XX/XXXX ) which means it's illegally re-aged XXXX reports the the date last active as XX/XX/XXXX. That means the account is illegally re-aged. XXXX reports hte date last active as XX/XX/XXXX. 

if this account has really been verified they would all be reporting the same information and also be reporting the correct way but it's completely not correct and it's violating the FCRA on every level.
Consumer complaint received 2022-06-21
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/21 Wells Fargo contacted me regarding 2 transactions equaling XXXX dollars. I explained to them that they were not transactions that I authorized. They said that they will file a dispute for both of those transactions. I was told it would take 10 business days. So I gave trust my bank would help me with the transaction with both parties understanding that they are fraudulent. I called to see an update on XX/XX/21 which was a Friday.. They started to ask me the same questions again which I answered honestly once again! 

On XX/XX/21 Which was a Saturday I received an email from them stating my case has been closed .... But it didn't explain if that meant if it was denied or approved. 

I called XX/XX/21 and asked about the status which the claims department decided that neither transaction was fraudulent on their end. This is not right as a consumer that got a phone call from said bank denied his money even though Wells Fargo knew that these were not transaction that I made. 

Please help me get my hard earned money back.
Consumer complaint received 2019-05-09
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. (TX)

I have made several attempts to verify an account in collections by XXXX XXXX XXXX directly and through the Credit bureaus. In XX/XX/XXXX and XX/XX/2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that Equifax is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original creditor?
Consumer complaint received 2019-05-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (GA)

Got behind on a couple payments due to a brief hardship. Spoke to lender and they recommend me to complete loan modification forms and would not take further payments after submitting all the documentation the lender would allow documents to expire dragging the process out resulting in me being 12-13months behind on payments owing the lender {$20.00}, XXXX in the rears after keeping the {$4000.00} I sent in to catch up with payments. 

The lender CitiMortgage did not offer me all the protections nor did they provide me all the assistance required by law to help me avoid foreclosure. I have maintain a steady income over the past 12 months and could have easily avoided foreclosure. Currently CitiMortgage have transferred my mortgage to another servicing company XXXX XXXX Account # XXXX which have made everything in more complicated
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am submitting this complaint because student loan keeps reappearing on my credit report. This reoccurrence has been going on since 2018. I have submitted numerous police reports, FTC reports, affidavits over these XXXXyears and these accounts keep being allowed to be reappear. If the bureau look into my account, these accounts are removed and blocked and then reasserted under a different name, but same department of education umbrella every few months. 

I do not now, nor have I ever had any financial obligation to these loans. The department of education have also sent in letters to each bureau, confirming these accounts to not belong to me. There is no legal proof of validation, just continuous reassertion for years. 

These accounts are now hindering me from pursuing future financial business and personal venture as it appears I'm heavily in debt when I am not! please remove and block the department of educationXXXX XXXX XXXX XXXX XXXX For the % th time i will attached a 5th police report/ftc/identifers
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-02-12
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. (OH)

The below account is listed on my credit report as a collection and it doesnt belong to me. 

The account info below XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Amount {$1600.00}
Consumer complaint received 2022-04-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (PA)

I had a re-payment agreement in place with University Accounting Services ( UAS ) /Younomics for a private student loan from XXXX XXXX XXXX 

I was approved for a repayment agreement, however UAS never updated my account despite me contacting via phone and e-mail every 10-14 days for the past 8 months. 

I filled out the paperwork they provided to get a new payment plan agreed to as I lost my full time finance job in XX/XX/XXXX when I was downsized due to Covid ( I was approved for unemployment for this reason ), sent it back to UAS, and was approved for a monthly payment amount of {$160.00}. 

However, my actual account was never updated to the correct monthly payment amount, and based on past experience I was told if the payment made isnt for the correct amount it will not be applied to the lain correctly. I made it clear to UAS all they needed to do was update my account and I would make the payment. Each time I spoke with someone from UAS they told me they were looking into updating my account but never did, and no one from their company got back to me for the next 6 months. UAS documented every time I spoke with them which is saved in the notes of my account in their system. I also have emails and documentation which backs this up. 

Even though my account was never updated to the correct re-payment amount per the agreement, I made a lump sum payment of {$1100.00} on XX/XX/XXXX which should have made my account current. 

After making that payment, I again tried to contact UAS via email and phone to make sure the payment was applied correctly to my account multiple times over the next 2 weeks with no response from or action from them. 

I was then informed on XX/XX/XXXX that my loan was charged off, despite my efforts the past 6-8 months AND making the outstanding payment that was due, and despite my account never being updated to reflect the updated re-payment agreement. 

I made every effort I possibly could to bring my account current so I really need your help at this point to get my loan back to UAS so I can resume payment as previously agreed to, which Im happy and able to do. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Coinbase, Inc. (NY)

I had a card fraudulently opened in my name by Coinbase. I called and was told that Coinbase has no phone support for their credit card so they have to email me. They emailed me and said that it looks like my info got hacked, heres how I can change my password, username, etc. that is absolutely not what happened. As I explained to them, I received a Coinbase card I never requested. They did not confirm any of the card info and it is still opened, yet they will no longer respond to me by email and continue to tell me by phone they have no phone customer service for cards. Such a headache!