davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NJ)

The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX XXXX XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.
Consumer complaint received 2022-06-10
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 sent to my credit report a request to removed the inquiries off from my credit report.

I did not have any authorization to run my credit with all these companies.
Consumer complaint received 2020-11-24
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I paid {$1900.00} with my Citi Rewards credit card ending XXXX for a plumbing job. I had contracted XXXX XXXX from XXXX XXXX XXXX for a plumbing job. XXXX was backing up every time I turned the water on in the basement. XXXX went over the house to investigate and informed me that the lateral line to the mains had burst and the ground needed to be excavated to replace the pipe and curb trap. The job was initially scheduled for that weekend ; however, XXXX postponed the job multiple times claiming that it was raining and that excavation would not be possible. On another occasion he claimed he didnt have the right supplies and postponed it again. Eventually, he returned to excavate the ground but apparently nothing else was done. He lied to me and claimed that he had completed part of the job and would return another day to finish it. The broken lateral line still caused sewerage to back up inside the house. I even received a fine from the XXXX housing department for an unfinished sidewalk because it was left unfinished for so long. 

Because of XXXX deceit and incompetence, I had to contract another plumber to complete exactly the same job I had contracted him to do. They informed me that no work at all had been done, other than that a giant hole had been excavated outside my home. You can see from the two invoices by both companies that the same main items were quoted : 1. Excavation, 2. Installation of new cast iron curb trap, 3. New lateral pipe Throughout all of this, XXXX responsiveness has been abysmal. He has been literally impossible to get a hold of. He never answered any of my calls and ignored ALL of my texts. I called him 21 times between XX/XX/XXXX and today and sent him almost 10 texts with no response. 

Because of XXXX extremely unprofessional attitude, unresponsiveness, and incompetence, not only have I suffered the {$1900.00} loss ( to which my credit card company has refused to refund me ) but it has also caused the delay of the sale of my house which is incurring me $ XXXX / mo in mortgage payments. During this entire period I have not been able to rent my house or sell my house causing me to lose a huge sum of money. 

After failing to resolve this with XXXX XXXX XXXX ( again due to all my calls / texts going unresponded ), I filed a complaint with Citi. The last communication I had from them was XX/XX/2020. They informed me that the case was resolved in the merchants favor and nothing further could be done. 

Attached are the following : 1. Screenshots of SMS messages sent to XXXX that went unresponded 2. AT & T records of me making over 28 phone calls, the vast majority of which were never answered 3. An invoice from XXXX XXXX XXXX showing what he was contracted to do to fully remedy the broken lateral one 4. An invoice from the new plumbing company showing what they had to do. You can see that
Consumer complaint received 2020-11-17
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: BARCLAYS BANK DELAWARE (PA)

On XXXX XXXX, XX/XX/XXXX, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XX/XX/XXXX and XX/XX/XXXX 
On XXXX XXXX, XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XX/XX/XXXX XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2020-07-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Dear XXXX XXXX : I am contacting you regarding a 30-day derogatory mark from XX/XX/2020 that appears on my three credit bureaus. 
I dispute these 30 day lates and demand a full removal of the 30-day late marks based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, Equifax, XXXX, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. 
Prior to the missed payments I attempted to contact XXXX XXXX  regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F  ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... 
It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. 
..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. 
The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 )  outbreak
Consumer complaint received 2022-07-20
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. (MO)

This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased a {$500.00} Vanilla Visa Gift Card, issued by Incomm, around XX/XX/XXXX at a XXXX gas station in XXXX XXXX. Before I even arrived home that day, within a few hours, my card was already entirely drained by a third party. I filed a dispute with Incomm, and they took 5 months to respond and tell me that they will not be returning the funds to me. They have effectively stolen my {$500.00} from me and left me without any recourse by selling me a compromised product. 

My case number with Incomm is XXXX.
Consumer complaint received 2020-07-07
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. (FL)

i have contacted both Equifax and XXXX  every month and have outlined that there is an account that was fraudulently opened under my name. i sent them the police report and the address where i was living at the time when the account was opened. the information that the bureaus are reporting are incorrect and i have been disputing this for several months already and they do not want to remove this incorrect information EVEN with a police report! how is it that XXXX  took it off because they saw that it didnt belong to me yet Equifax and XXXX  still manage to say that it belongs to me?
Consumer complaint received 2020-07-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (NJ)

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NJ XXXX Last 4 of  SSN # : XXXX Subject : Fraudulent Account Reporting ( Account # : XXXX ) On XX/XX/2020, I had a telephone conversation with Mr. XXXX XXXX, Manager, at Veterans United Home Loan Company and Lender of my VA backed Mortgage Loan for the the property at the above address. I am a XXXX veteran, and trusted this Lending Company to  handle my VA Mortgage Loan in a honest, trusting, and professional manner. This has not been the case. Case in point, on XX/XX/2020, an employee of an affiliate company : XXXX. XXXX, who handles the finance services for Veterans United, took my personal XXXX Banking information over the telephone, and promised to process a Mortgage Payment in the amount of {$1400.00}. 

However, when checking my Veterans United Account using my Online access, I discovered that the XXXX XXXX employee, XXXX, had not processed or even attempted to initiate the payment. There were multiple times the amount of funds in my XXXX XXXX  Account to cover the Payment of {$1400.00}. Instead, the XXXX XXXX employee entered a Code 87 in to my Account which Blocked me from using my XXXX XXXX   Account to pay my mortgage. The employee insisted on making me a victim of Covid-19. The employee charged me illegal and unnecessary fees, and fraudulently placed a " Payment Reversal '' on my Account. I immediately contacted XXXX XXXX, Manager who directed me to the XXXX XXXX employee and explained the problem. Also, I talked to a XXXX XXXX/Veterans United Manager named, XXXX. XXXX assured me that the derogatory and negative mark would be Removed from my account. This did NOT happen, and the negative and illegal entry remains on my Account. On XX/XX/XXXX, in Miscellaneous Documents, a Letter of Complaint Acknowledgement was placed in my file indicating that by XX/XX/2020, the matter would be resolved. Again, this did not happen. 

On two separate occasions, both managers, XXXX and XXXX, had three-way telephone conversations with me and a representative from XXXX XXXX  to verify if there were amble funds in my Bank Account on XX/XX/2020, and whether or not a Payment was attempted or initiated by the XXXX XXXX employee. It was confirmed both times by the bank 's representative that : " yes, there were funds in the account to cover the {$1400.00} payment for my mortgage, and NO, the XXXX XXXX employee, XXXX, never initiated the mortgage payment. Yet, XXXX, XXXX XXXX employee reversed her statement and stated that I, XXXX XXXX. XXXX rejected the payment being made after first authorizing the payment. This is a blatant untruth. I, XXXX XXXX. XXXX never revoked or unauthorized the payment. 

After countless attempts to have this derogatory Payment Reversal removed from my Veterans United to no avail, I am now reaching out to CFPB to resolve this matter as Veterans United management has refused to remove the negative and fraudulent mark from my mortgage account. 

Sincerely, XXXX XXXX XXXX Veteran
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Hi, I went to citibank branch at the atm to withdraw some cash on XX/XX/2021 around XXXX noon. I put in my card and requested to withdraw XXXX XXXX. The Atm froze not just for me but for everyone who that there on that moment doing transactions. We all freaked out and went inside to ask why it's frozen and why our cards are locked. Nobody came out of the office to help.The next minute the ATM went from being frozen to saying " Out of Service please try later '' it gave me my card back but the XXXX never came out of the atm. no receipt got printed and I got debited into my account for the withdraw. I went inside of the branch and asked to speak to a manager to get my money back and she said " I can't do anything from here you have to call the number on the back of your card. Anything related to atms we don't deal with that. ". I did reach out and was told a complaint was filed and my money is not back still and I still am missing money. I'm missing XXXX which the atm never put out and citibank clearly as stolen money from me and are refusing to show any help. This bank is fraudulent and a bank of this sort should not exist. Money gets taken out of my account no cash is out and they are gon na tell me they can't do anything about it? 

ATM ID : XXXX ATM Location : XXXX XXXX XXXX, XXXX, NY, XXXX Date : XX/XX/2021 Time : XXXX Amount : {$290.00} I will be following legal actions about my stolen money from citibank . The manager at the branch literally did nothing and I got no help whatsoever but my money is still taken from my account but they told me they couldn't do anything about it.
Consumer complaint received 2021-05-31
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. (GA)

My name is XXXX XXXX there is no third party involved. I am submitting this complaint on behalf on myself. I sent a letter about validation of debts. Consumer reporting agency have not carried out their responsibility ordered under the law. They are in violation of 15 US Code1692 ( g ) ( a ) ( 5 ). I request for them to send the original documents from creditor. They have not provide no information to me about no original document I have sign. Section 611 ( a ), it is explain that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report. It has been more than 76 days so they have to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Consumer complaint received 2021-05-25
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: WELLS FARGO & COMPANY (UT)

I have submitted a complaint with you about the incorrect reporting through XXXX and Wells Fargo. They are still affecting my credit and I haven't heard from either of them about these account. All they keep telling me is that they are working on " getting me the information '' Its been a month now. Wells Fargo is the only on that gave me a date XX/XX/XXXX that I would hear back nothing about what that would be.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

Ive called TSI multiple times to verify a debt that theyve placed on my credit and whenever asked to validate the debt they can give no information and dont have any contact information for me all of a sudden and when I asked to remove the debt since it cant be validated they hang up on me.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello, My paypal account was locked and my funds my hold now I can not manage my account nor withdraw my money. I already contacted paypal for this matter but they said I did an unusual activity or something like that. I didnt do anything bad and now it is locked. I just wanted to withdraw my remaining funds at my paypal account XXXX XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC (AZ)

Our loan closing certificate indicates that our monthly automatic payments are {$110.00}. The total amount of the loan was {$38000.00}. The set payments were until XX/XX/XXXX when a target balance of {$27000.00} was required to be met in order to maintain the {$110.00} monthly payment. This XXXX  balance was met on XX/XX/XXXX when a principle payment of {$11000.00} was made bringing the total amount to {$26000.00}. Our payments have been consistently paid via automatic withdrawal in the amount of {$110.00} until XXXX, XXXX ; when the payment was increased to {$110.00}. We made calls to the Goodleap service number requesting information explaining the increase on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX after receiving an email stating our XXXX payment in the amount of {$110.00} would be due. 
We have received emails ostensibly from Goodleap, although lacking sufficient official identification therein, concerning our complaint, from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX, neither of which contained an explanation, only that our issue was being investigated. There has been no further communication concerning this matter hence our referral of this issue to Consumer Financial Protection Bureau.
Consumer complaint received 2024-11-08
Product: Credit reporting 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 recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.