davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (TX)

I had been a XXXX wireless hotspot customer for over 8 years as of XX/XX/2017 ( see Attach # 1 ). I experienced service quality issues including an unexplained account number change ( See Attach # 4 and # 5 ). I found that XXXX offered a better product, 10GB of wireless hotspot service for {$10.00} a month, compared to the {$50.00} a month for 5GB that XXXX charged. I decided to switch providers. 

On XX/XX/2017 I called and spoke to a XXXX representative. I asked her to email me so I had her contact info to confirm our conversation ( See Attach # 2 ). I asked for my final closing balance on my XXXX account and then I asked her to close out my account. I was advised that the closing balance was {$91.00} and that my account would be closed. I paid the amount and XXXX deducted the payment from my XXXX XXXX XXXX XXXX ( XXXX ) account four business days later on XX/XX/2017 ( See Attach # 3 ). 

I believe that the unexplained account number change may have contributed to any posting issues related to my final payment. All further contact with XXXX confirmed that my account was closed. When I went to their website it advised me that it was closed. If I called them, I was told I no longer had an account with the company and there was no invoice to pay. The {$53.00} amount ( See Attach # 4 ) they later sent to collections was either in error or would have already been included in the {$91.00} payment I made to close out the account. 

I paid the collection company the {$53.00} again to stop the dispute notices, and I filed a dispute with the XXXX  credit agency ( See Attach # 5 ). The bill was sent in error on an account that could not be accessed, for a service that was no longer being provided or used.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified inquiry listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This is the inquiry that needs to remove from my report immediately. 
XXXX XXXX XXXX-Date of inquiry XXXX XXXX, 2020
Consumer complaint received 2021-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-02
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. (CA)

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

I have been asking for a lower rate and they keep saying we review every 6 mo. Well its been more than that and I still cant get them to lower my rate. I have been a customer since XXXX. My owed amount is very near my limit and the high interest rate is making it impossible to pay anything towards the amount owes. All the payment does is cover the interest.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

Abusive & deceptive practice at Quicken Refi request amt : {$920000.00} 1 ) Loan originally started in XX/XX/2020, approved with closing scheduled on XX/XX/XXXX, the Mobile Notary person was a few hours late ( went to a wrong place ) onXX/XX/XXXX on the first signing date. She then sent my signed closing docs back to XXXX instead of forwarding to my 2nd closing location ( my residence ), which disrupted the entire process and the 2nd closing on XX/XX/XXXXdid not occur. A third attempt was scheduled today XX/XX/XXXX@ XXXX at my XXXX  location, and there was a no show by Quicken. 

2 ) After several back and forth with Quicken, this went into XX/XX/2020, I then requested a rate refresh, Quicken came back with a lower rate but did not mention the closing cost will be 10x times higher ( deceptive practice ). I discovered this when I reviewed the docs. When I tried to reach out for a resolution, Quicken tried to stall the process. 

3 ) I then requested {$0.00} closing at 2.625 % 10 Year ARMs. Then as we enter XXXX, I received a call from Quicken telling me that the loan will be withdrawn due to the outstanding time-because of their stalling tactic. Quicken then offered a new price, including points which was exactly what they had offered in XXXX, 10X times higher than the original closing cost. Which appears like a dirty tactic to force me to withdraw from the loan. Another abusive and deceptive act!
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2017-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC (MD)

The XXXX XXXX Law Firm is attempting to collect a rental debt on behalf of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX that is invalid because I have never lived there. I did not complete or execute a lease. During this initial process, I completed an application and discussed some general rental information only. However, the company stated a full lease was signed on XXXX XXXX XXXX. On the contrary, I received a voicemail from the company on XXXX XXXX XXXX stating that the lease was incomplete and that some documents were not signed or completed. I also received an email on XXXX XXXX, XXXX, stating that the lease was incomplete. In reality, I only initialed some of the documents under the impression this was part of the application process. 

At this point, I believe there was intent to deceive me by providing a partial lease under the impression of a full lease. The following reasons explain how this incidence created this invalid debt and improper collection due to their deception tactics. To be specific, I believe this company was deceptive in their disclosure of documents when providing a copy of the lease and addendum during the initial application process to get an easy rental. To reinforce this, the company provided a copy of a lease that had key missing pages under the guise of a full lease. The apartments intent was to provide the remaining key documents after the applicant signs documents from initial partial lease and therefore keep the rental process moving. There also seems to be a suspiciously completed copy of the lease now with my signature on it, but it was not by me. 
Nevertheless, I cancelled the application process after I determined that a full lease and key addendum was not provided or disclosed during application process or lease review process. The key addendum stated that rental insurance was required for all future tenants. Since I disagreed with the insurance requirement and this key item was not disclosed during initial process, I did complete the lease. To be exact, I cancelled the application process. 

Even after explaining the situation, the XXXX XXXX law firm has continued to contact me in an attempt to collect 11 months worth of rent on behalf of the property, as well as having it negatively effect my cosigner 's credit and my own credit.
Consumer complaint received 2023-03-02
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. (NY)

Choose according to account type. These can be combined 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!
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: Sequium Asset Solutions, LLC (CA)

XX/XX/2023, {$200.00}, Sequium Asset Solutions reporting inaccurate information to the credit reporting agency and this need to be remove immediately. This need to be remove from transition, XXXX and XXXX. 


There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following ; _______________ Thank you for your cooperation Sincerely______________
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, 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. (SC)

I notice in may if this your about all the inquiries kept coming on to my credit report i didnt authorize starting in XXXX I sent them all types of proof I called over and over and then now its has been a security breach with them
Consumer complaint received 2021-02-02
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: CITIBANK, N.A. (CA)

After reviewing my XXXX Credit Report, on XX/XX/XXXX I realized then that I had been a victim of the Identity Theft. I did not apply for a Citi Cards CBNA Credit Card Loan. The account had to be fraudulently opened on XX/XX/XXXX. I suspect the perpetrator had forged my signature and used my personal and confidential information. 
I filed the Identity Theft report with the Federal Trade Commission XXXX FTC ) Identity Theft Bureau and reported the identity theft to the XXXX XXXX Sheriff Office XXXX XXXX XXXX. I have swiftly complied when Citi Cards CBNA representatives when asked for information. I have provided my email address, proof of identity, telephone number and home mailing address. I have provided carbonless check stubs that were fraudulently made out to Citi Cards. I have provided samples of the suspected perpetrator signature and location of the same. 
I have sent Citi Cards CBNA Services three letters requesting information pursuant to section 609 ( e ) of the Fair Credit Reporting Act. ( 15 U.S.C. 1681g ), California Financial Code sections 4002 and 22470, Civil Code section 1748.95 and Penal Code 530.8. Also included in the three letters I had provided the following : FTC Cover letter, FTC Identity Theft Report, proof of my identity, FTC Notice to Furnishers of Information, XXXX  Victim release form titled Identity Theft Victims Request for Fraudulent Transaction/Account Information ( Form A ), XXXX XXXX Sheriff Incident Report, and a separate document ( Attachment A ), detailing requested information on the fraudulent account. 
After 30 days, Citi Cards CBNA had only sent statements dating back to XXXX of XXXX but no documents dating back to XX/XX/XXXX or anything with my signature. On XX/XX/XXXX the Citi Bank representative informs me that Citi Bank CBNA can not give me the signed application. Citi Customer Services has ignored my three requests for documents and refuses to make reference to the XXXX  criminal case number in any correspondence they have generated. Citi Bank Services refuses to comply with the request for information that I am lawfully in my right to request.
Consumer complaint received 2021-02-02
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations RemoveXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late fcra RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra see CFPB of the fcra violations RemoveXXXX  Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations see cfpb
Consumer complaint received 2019-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, Wells fargo 's XXXX XXXX responded to my complaint XXXX to CFPB dated XX/XX/XXXX, stating TO CFPB, among others including " APOLOGIZED FOR ANY LAPSE IN CUSTOMER SERVICE '', THAT " A REVIEW FOR PAYMENT ASSISTANCE IS IN PROGRESS '', WHEN IN FACT IT WAS ALREADY DENIED ON XX/XX/XXXX by XXXX XXXX of Home Preservation and her Team ( see attachment XXXX ). This can be called a lie to a Federal Agency, or incompetence, but I know for a fact that Mr. XXXX  has my updated information available to him on his computer ( I know this because he and his 'predecessor ' XXXX XXXX accessed 'current ' information re. Ms. XXXX  's work/progress while I was on the phone on previous occasions ). Mr. XXXX  written response to CFPB can also be called an attempt to hoodwink CFPB into believing WF was still reviewing me for payment assistance.

I spoke with Ms. XXXX  on XX/XX/XXXX in a Conference call with a XXXX  County government representative listening/participating. I brought the above issue to Ms. XXXX  's attention - she said Mr. XXXX  researches the past, and she decides the future - well, Mr. XXXX did not research well or deliberately misinformed CFPB.

Ms XXXX said the suspension of the foreclosure around XX/XX/XXXX will be lifted around XX/XX/XXXX and for me that means that an auction date for mid-XX/XX/XXXX will be set. I also requested Ms. XXXX to provide me with the reason for denial, which was negative NPV ( net present value ) of the property. On XX/XX/XXXX she provided the worksheet used for NPV calculations of a loan mod. She used 5 % interest rate, down from the existing 7.125 % interest rate charged by XXXX XXXX or XXXX XXXX XXXX XXXX. ( see attachment XXXX  ) since XX/XX/XXXX, the investor for which Wells Fargo is the Servicer, which therefore resulted in negative NPV.

I suggested in the past that I would be willing to pay the existing mortgage at 7.125 %, HOWEVER I can not afford to pay the arrears immediately, but can if stretched over a period of time.

I also suggested on XX/XX/XXXX by email to Ms. XXXX  to calculate NPV at various rates, such as 5.5 %, 6 %, 6.5 % and 7 % to see if this resulted in a positive NPV, since 5 % resulted in negative NPV and denial.

NOTE that Mr. XXXX only researches the past, so his statement has no validity, since the next minute Ms. XXXX and Team can decide to bypass his statement ( HOWEVER, in my case, he made an untrue statement that " a review for payment assistance is in progress '' on XX/XX/XXXX when XXXX  had already denied it by USPS mail ( attached ) on XX/XX/XXXX. This despite the fact that Mr. XXXX has current, maybe live, access to my case/Ms. XXXX 's files, and I know it, as stated above ).

This error or lie to the CFPB should be reason enough for WF to be penalized, and/or I receive a Loan Modification, at one of the interest rates stated above.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-02
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. (OH)

XXXX XXXX, XXXX, I tried to get my FREE credit report from Experian and was given the following message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX I sent the Request Form by US Mail on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX have yet to receive my report. Attempts to contact Experian have been fruitless since they apparently provide no telephone access except to purchase a report, not to obtain the status of a requested report. The form I sent in states my request should be processed within 15 days and then mailed to me. It has not ...
Consumer complaint received 2023-02-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (LA)

Hello I know I've filed a complaint already. You stated to reach out to IRS to recall this deposit. The IRS turned it over to the Bureau Of Fiscal and they have recalled payment and have sent information to Citi Bank numerous times. I finally spoke with Citi Bank and was informed that they are not responding to the Bureau of Fiscal. They have never tried to do anything knowing this was going in for almost three years now. There excuse now is the account they admit my deposit went into is now closed. They will not give me any more information and refuse to reach out to BUREAU OF FISCAL OF FISCAL WHOM HAS SENT PAPERWORK SEVERAL TIMES. The bank told me they are not liable because the account is closed. Well they knew about this long before the account closed. They are no help. I need them to answer the correspondence from the Bureau so I can receive my funds. I'm not sure what's this banks problem. The bank responded to you to say IRS RECALL THE PAYMENT NOW ITS RECALLED BY BUREAU OF FISCAL AND THIS MATTER IS STILL NOT SOLVED. I HAVE A ID NUMBER FROM BUREAU IF YOU NEED THIS PLEASE EMAIL AND ILL BE Happy TO SEND TO GET THIS RESOLVED. SEEMS THE ACCOUNT HOLDER KEPT MY FUNDS THEN CLOSED THE ACCOUNT NOW THE BANK STILL WILL NOT HELP EVEN AFTER THE BUREAU HAS RECALLED PAYMENT. THIS MAKES NO SENSE AT ALL. YOUR HELP WOULD BE GREATLY APPRECIATED THE BANK REACHED OUT TO ME TO GIVE ME UPDATED INFO BUT WILL NOT RESPOND TO BUREAU OR IRS