davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (MI)

This is the 2nd collection agency that has acquired this fraudulent debt. I was incarcerated at the time this account was opened Ive submitted documents verifying this. This account was removed from my credit report only for it to return today. Please make sure Credence Resource Management receives all documents that are uploaded. I found out this account is with XXXX XXXX account no. XXXX. Please verify all information so this county can be promptly removed from my credit report
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

Around late XXXX XXXX XXXX citibank froze and began the process of closing my account. They would not identify their reasoning. I was unable to stop my XXXX social security payment of {$850.00} from entering the account in time but per the US Treasury, it did enter the account despite the fact that citi 's email regarding the account closure said further deposits would be blocked. Additionally, there was approximately {$990.00} and change in account in question that they're refusing to release. Again they will not provide any further information and have been completely intransigent.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following accounts do not belong to me and were not authorized by me, have severely affected my financial well-being : Inquires : 1.Account Name : XXXX XXXX XXXX 2.Account Name : XXXX ( Finance ) 3.Account Name XXXX XXXX XXXX  ( Finance ) COLLECTION Account name : XXXX XXXX XXXX Original creditor:XXXX XXXX XXXX XXXX XXXX Account number : Balance : {$230.00} Open date : XX/XX/XXXX XXXX  The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter. I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA. I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation. Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.
Consumer complaint received 2023-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Im requesting the assistance of the CFPB to investigate SPS for failure to perform under investor- services guidelines and dual tracking of foreclosure. I had communicated with SPS on XXXX of XXXX  that my self my family had came in contact with XXXX XXXX XXXX  and my payment was going to be late due to my illness and the inability to work and generate money. SPS stated they sympathized woth my situation and would place me on a Covid forbearance during this time and once I was able to resume making payments I was to give them a call and they would allow me to resume to make payments. 3 months later I reached to SPS and advised I was ready to resume with my payments but at this point now they wanted me to resumit documents for loan modification review which I did. I sent SPS the following : 3 months bank statements, profit and loss, 2 years income tax, utility bills and faxed and emailed to them. As I called to get status of my review they stated sps was still reviewing my case and they didn't need any documents but that my loan was referred over to the attorneysfor foreclosure I begged them to stop the foreclosureon my home while they game a proper review as they promisedbut they refused i also advised them that what they where doing was illegal under Dual tracking laws of foreclosure but they stated it didn't pertain to them and they didn't have to abide by those rules since my investorwas private. Soon after I was denied for mortgage help and didn't matter how many times I applied or asked the reason why I don't qualify or requested somethingin writing they refused. The only thing an agent told me was since my loan originated during covid times they would not modifymy loan no matter what. I belive SPS purposely offered me a XXXX forbearance knowingthat they where not going to help me afterwards. I've offered them cash to bring to the table in hopes of good-faith offer but they decline it all. I have not been assigned a single point of contact this entire time and each time I call to request status there is no notes and nobody can help me. I've requested for them to place the amount past due to the end of the XXXX on the side of it so I can resume with my mortgagepayments but denial all request I've made. I belive this falls under the predatory lending practices since they allowed me to fall past due so many months by putting me under the forbearance and sps knowing I would not have the funds to repay back this amount. Sps has committed Negligenceand failure to perform under there promises covered under covid.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX  by XXXX XXXX  is not considered to be payday loan weekly on credit report impact potential negative upon late payments after I did request them to be closed the account so that I could settle special program payments could arrangements unfortunately they refused to close the account before 30 days to put negative potential harm my credit report unacceptable however I did dispute all credit report bureau but not satisfied their results because its clearly not accurate report monthly payments instead of payday loan weekly report. XXXX XXXX XXXX should be considered to be monthly payments upon credit report NOT PAYDAY WEEKLY!!! I did contact them twice but not resolved due to communication access I am deaf to use video relay operator service to assist me communicating access by FCC federal regulators required I did dispute all of them again additionally information support PDF documents for weekly payments scheduled NOT MONTHLY!!! Also interest rates excessive more than weekly long periods I didnt appreciate them
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/23, I sent a letter regarding inaccurate and unknown things in my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of as well as being ignored in my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report since it has been over 45 days, this should be deleted promptly. I demand that these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Consumer complaint received 2023-11-10
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: EQUIFAX, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (NY)

American Express, I am writing to request assistance with my American Express XXXX XXXX XXXX  Accounts. I had XXXX accounts XXXX XXXX XXXX  with a Balance of {$2700.00} and XXXX  fund with {$410.00} On XX/XX/XXXX I contacted Amex XXXX expecting an automatic transfer to have been delivered to each account {$200.00} and {$100.00}, which I was told the account has been restricted I asked why, and why was I not notified and why did this happen. I then asked to speak to a supervisor. I was told the request would take XX/XX/XXXX hours. I called back later that evening to get more information and none was provided, except it was a business decision and the accounts are closed. XX/XX/XXXX no supervisor call back, called again and spoke to XXXX. She regurgitated the same information about the account being restricted and that it was a business decision. I asked about the funds in both accounts. She stated my transferring bank needed to request the funds. I requested to speak to another supervisor and was told XX/XX/XXXX hour request. XX/XX/XXXX no supervisor call back. Called Amex XXXX again this time with the information given by my primary bank that stated the account holder ( AMEX XXXX ) is the holder of the account, if they closed the account needs to write a check to me for the funds. XXXX was not pleasant after explaining and asking to not continue to be placed on hold or leave the line without speaking to a supervisor she hung up on me. On XX/XX/XXXX I wrote XXXX letters : one letter to corporate and to the bank. Unfortunately again, no response. XX/XX/XXXX called again this time asked to speak to someone in consumer protection. I spoke with XXXX, he went over the notes that the account was closed and and it was a business decision. Also stated the accounts could not be reopened. I asked how will I get the funds in the accounts. He said they will mailed out tomorrow XX/XX/XXXX and should arrive in XXXX business days. The accounts have also been removed the application and I am no longer able to view the accounts. Today XX/XX/XXXX the funds have not arrived. Called Amex again on XX/XX/XXXX, spoke to XXXX who informed me the checks had not been sent due to additional information being needed. I asked why I have not recieved any notification via email, text, or mail requesting any documentation. She just apologized without any explanation. She confirmed my address and account balances : XXXX fund- {$2700.00}, XXXX fund- {$410.00}. Said I would need to wait XXXX days. I feel like this is another run around to not get my funds. 
I have pleaded with every representative I have spoken with for the past couple of weeks to give me assistance. I requested to speak to a supervisor on every call and the response has been we will put in a request and you need to wait XX/XX/XXXX hours. Each time I waited the 2 days I never got a call back. This is another attempt to get help.
Consumer complaint received 2023-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a XXXX card issued by Capital One. My Capital One statement shows a charge for {$190.00} on XXXX XX/XX/2023 from a merchant called XXXX XXXX XXXX XXXX. I did not authorize this charge. I tried to contact the merchant directly twice to dispute the charge but the merchant did not respond. Then I contacted Capital One to dispute the charge. On XXXX XX/XX/2023 Capital One sent me a letter in which it acknowledged that it I had disputed the charge and that it was looking into the matter. On XXXX XX/XX/2023 Capital One sent me a second letter in which it said that it had rejected my dispute because the merchant told Capital One that " goods were as described and in good condition. '' I then called Capital One and spoke to agent. I told the agent that I was disputing the charge not because I did not receive the goods from the merchant but rather because I never authorized the charge to begin with. I pointed out to the agent that when I filed my dispute I had told Capital One as much. The agent then asked if I had proof that I had tried to contact the merchant. I told the agent I had a copy of an email I sent to the merchant on XXXX XX/XX/2023 disputing the charge, so the Capital One agent sent me a link to upload that document which I did. On XXXX XX/XX/2023 Capital One sent me another letter in which it said that I did not provide Capital One with the " previously requested information '' and that as a result, Capital One was closing my dispute and that I would have to pay the {$190.00}. To summarize, a merchant charged me {$190.00} with my authorization, Capital One has no proof that I authorized the charge and is instead claiming that according to the merchant I received services, and finally Capital One is claiming I didnt provide it with documents which I did in fact provide and so it is sticking me with a fraudulent charge.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

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 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NJ)

A month before my initial payment was due, I asked the loan servicer ( Aidvantage ) to defer two parent PLUS loans while my XXXX was in school. After I submitted the form, I was told I would get an email confirmation and decision within 14 days. Six weeks later ( and three attempts later ), I have heard nothing from the service. It has not responded to email, and its customer service " call me back '' service has no available times.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Receivable Management Services LLC (PA)

On XX/XX/2024 I sent an Identity theft letter to RECEIVABLE MGMT SVCS, XXXX XXXX, XXXX XXXX. I have not received a response nor has XXXXRECEIVABLE MGMT SVCS, XXXX XXXX, XXXX XXXX. 
complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on XX/XX/2024 and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and requests made by the consumer. RECEIVABLE MGMT SVCS, XXXX XXXX, XXXX XXXX. have not made one call or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer 's request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the consumer 's report, as by lack of response and documentation requested signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Consumer complaint received 2023-11-10
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: EQUIFAX, INC. (FL)

In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX  XXXX Balance Owed : {$300.00} ; XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.
Consumer complaint received 2023-11-10
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: EQUIFAX, INC. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My transunion credit report was to have a credit freeze added on per my request And i found out that transunion never applied the freeze, leaving mu personal information open to identity fraud. So during a conversation with transunion i revealed it was open.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (CA)

I was a victim of identity theft and fraud. On XXXX 2023, I noticed a company kept appearing on my credit reports, Ally Financial. I have never heard of this company and immediately started investigating. I learned that this was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then knew this was fraud and immediately contacted the authorities. I currently have a detective on the case and he updates me on a regular basis. I also learned that this vehicle was repossessed from the individual and that this person also got a DUI in the vehicle. The detective has made out a police report and I also had a legal notarized affidavit done and sent to all 3 credit bureaus. I also contacted this Ally Financial and spoke to their fraud department, and spoke to a XXXX. She stated they would get this matter resolved but it would take 30 days. Since then, I received a letter from XXXX stating that they came to a resolution of their investigation and that they are in accordance with Ally Financial and that I am responsible for this auto loan. This is a nightmare. I want to buy my first home, but now I may not be able to do this. I am also going to submit the FTC Identity Theft Report.