davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

Equifax again. On XX/XX/2023, I sent Equifax XXXX documents by certified mail to block and remove fraudulent accounts from my credit report because I am a victim of identity theft. On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX 2023, I called Equifax at XXXX Now. Keep in mind neither XXXX of the Equifax Agents are US based. And it was very difficult to understand because of there language and comprehension is XXXX XXXX Bad. Nevertheless, it was confirmed that the documents was received. And in the cover letter I clearly stated that, I wanted to block and remove fraudulent accounts from my Equifax Credit Report I included XXXX documents 1. Cover letter, 2. Copy of FCRA SECTION 605B 15 U.s.C 1681c- 2 which give Credit Reporting agencies the power to block fraudulent accounts. 3. FTC REPORT 4.POLICE REPORT 5.Copy of SS card 6.Copy of Driver license 7.Proof of address. Now with all of the information needed to block the said fraudulent accounts with in the 4 business days as prescribed by law, I have attached to this report all 11 documents I Sent Certified Mail to this company as exhibit ( A ). And Exhibit ( b ) is the certified mail receipt. After taking to the people at Equifax I was told that we can't block the information from my report this is Equifax policy and procedures and it's in dispute, the letter clearly stated I wanted to block and remove fraudulent accounts from my report so therefore I have to wait 30 days to investigate. Keey in mind that I disputed this before and nothing was done. EQUIFAX INFORMATION SERVICES AND ITS OVERSEAS AGENT ARE XXXX AND IM ASKING THE OUR FEDERAL GOVERNMENT DUE SOMETHING ABOUT THESE CREDIT REPORT AGENCIES NOT GOING BY AND MIS HANDLING TITLE 15 SECTION 1681 THESE CREDIT REPORT AGENCIES DOING WHAT THE XXXX THEY WAN NA DUE WHICH IS WRONG SO THERE THIS TIME I WANT PUNITIVE DAMEGES AS PROSCRIBED MY LAW..
Consumer complaint received 2018-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OK)

This is my second complaint to Wells Fargo denying my modification. On XX/XX/XXXX Wells Fargo gave a response that said : thank you for the opportunity to address the concerns about request for a loan modification and the authorization. We've carefully researched this matter and are providing a response. Here are important account details we'd like you to know. At this time, there is a bankruptcy stay on the account with a five year plan. Once the stay is lifted, then the account can be reviewed to rescind the foreclosure sale. Until this is completed, we are unable to move forward with any request for payment assistance. The account is due for the XX/XX/XXXX, through XX/XX/XXXX, payments. A foreclosure sale was held on XX/XX/XXXX. Foreclosure has been suspended due to the active bankruptcy. I'm glad we spoke with the bankruptcy attorney XXXX XXXX about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 
My response to this is : how could a foreclosure sale have been conducted if the property in question was in bankruptcy, ( information from HUD ). But Wells Fargo continue 's to tell the agency that were working for the homeowner ( XXXX XXXX XXXX ), that the property has been sold, ( in a phone call to Wells Fargo as well as an email sent XX/XX/XXXX ). See attached ). 
According to HUD I can apply for a modification even while in bankruptcy. 
In a conversation with my attorney, XXXX XXXX, wells Fargo said that they would send modification documents to his office, ( this has not happened as of yet ). See attached. 
I feel that I am being treated unjustly and would like to know what this company plans to do about it. 
Thank you, XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

They have raised my interest rate to 31 % making it impossible to pay the card off and I recently called asking to waive a {$40.00} late charge as a ONE time courtesy and they refused stating because my account was closed. This courtesy is affording to other clients but I have been alienated due to my financial hardship.
Consumer complaint received 2020-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EASTERN BANKSHARES INC (MA)

Obtained a Massachusetts Heat Loan from Eastern Bank approximately seven years ago. On XX/XX/2020 I submitted payment # 83 of 84 payments. *4th payment ticket does not have final amount owed on it and states that " Before maturity we will send you a notice about your final payment. '' As of XX/XX/2020 I did not receive a final notice and needed to call Eastern Bank customer service. The woman I spoke to was very helpful and provided my final payment amount that is due on XX/XX/XXXX which is 1 week away and I explained I was not pleased I did not receive my final notice as stated. While the woman I spoke to was helpful, I would like to make the regulatory agency and Eastern Bank aware that it is unfair that I did not receive my final notice timely as the ticket book states.
Consumer complaint received 2023-08-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

XXXX we made a payment in the amount of XXXX USD from our XXXX account to the account of XXXX XXXX XXXX XXXX XXXX opened in XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 
XXXX we received information from XXXX that our payment of XXXX USD ( XXXX ) dated XXXX XXXX XXXX  was sent via a correspondent bank of JP Morgan Chase Bank , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXJP Morgan Chase Bank was the intermediary bank in this chain. XXXX XXXX was included in the list in accordance with XXXX XXXX. XXXX. In this regard, my payment must be blocked by an intermediary bank in accordance with US sanctions legislation. To unblock a payment, I need to apply for a special license from OFAC. However, JP Morgan Chase Bank has not yet blocked the payment or informed the initiator bank about the freezing measures. 
We applied to OFAC, the case was assigned the number XXXX and it has the status Case ID XXXX has a status of PENDING. 
XX/XX/2022, we received a letter from XXXX XXXX, Analyst at the Office of Foreign Assets Control U.S. Department of the Treasury, requesting additional information on the transfer XX/XX/2022 all required information and documents were sent to email - XXXX At the moment, the status of our case has not changed, since OFAC can not find records of the blocked payment, accordingly, we can not obtain from OFAC the license necessary to unlock our funds. 
XXXX We tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  with a request to clarify whether the payment was blocked and transferred to OFAC and when. JP Morgan Chase Bank did not respond to our request.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

XX/XX/2019 Offer ( SEE ATTACHED ) : EARN A {$20.00} STATEMENT CREDIT AFTER YOU SPEND AT LEAST {$120.00} IN ELIGIBLE XXXX PURCHASES WITH YOUR CITI CARD. 

I completed this offer successfully, and Citibank CONFIRMED IT ( SEE ATTACHED ). Months later, I continued to ask customer support via chat when I will receive it, and they stated I WILL RECEIVE AN ADDITIONAL {$10.00} FOR THEIR REPEATED FAILURE TO PROVIDE ME THE {$20.00} AND THE MANY HOURS I HAVE SPENT ON THIS ISSUE.
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

Hello my name is XXXX XXXX. My ex-wife opened an XXXX JPMORGAN CHASE credit card in my name. JPMC was issued a subpoena from my lawyer to release the application that was made out in my name. They refused in previous attempts to give me the application per my request so I had to hire a lawyer to subpoena the application which I assume I have every right to the this application since they claim is in my name. I have never had any of these cards in my possesion. Once I received the the application from the subpoena from my lawyer I noticed that it was in my name but with an e-mail and phone number that was not mine. I have never authorized this credit card in my name. I have called JPMC numerous times and they say we have done our investigation but will not tell me anymore. I would like to see what IP address this application came from and JPMC refuses to give it to me even with a subpoena from my lawyer. XXXX XXXX XXXX XXXX  agreed in this same situation that I was not responsible for their card. I can provide any information you need per my lawyer.
Consumer complaint received 2023-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

Midland Mortgage division of Midfirst bank. 

I am in the beginning of XXXX  XXXX bankruptcy. I filed because of credit card debt not because of my mortgage. I pay on time and only had problem during covid. I was with " another mortgage company at that time. I was given a forbearance followed by a partial claim. Since then I had no problems until I went online at the first week in XXXX and discovered no online options for payment were available for me. 

I called customer service and was told because I am in XXXX  XXXX, I will have to mail or overnight my payments. I commented that is causing a hardship for people trying to hold it together. The said that is just the way bankruptcy customers payments are accepted by the company. I had received no communication from them alerting me to this procedure. 

I was upset and hurt because I believed I was dealing with a pretty good company that cared for customers. I called back and I was informed that I could wire my payments. I wired my payment that day. I had to pay my credit union {$15.00} to wire it and pay the mortgage company {$8.00} to receive it. That was XX/XX/2023. I called today XX/XX/XXXX and I was first told they didn't see it. Then they informed me that my payment would be credited to my account within 5 business days of them pulling it down? ( I think that's what she called it. ) I asked them to provide me with written acknowledgement. The said I could see that info on my statement. I told her I checked on line for payment history and it was turned off. She said, yes bankruptcy customers don't have access to that information. 

I don't think this is right. I can't get confirmation, I can't see my payment history, I have to pay money to get payment on time and they do not immediately apply the money to my account. Please help me. This is bad business! I just want a receipt when i pay my bill l and having to go through so much to pay money on time and I can't see or get confirmation is like dealing with a loan shark or some other type of villain. I don't trust this kind of dealing. My payment is XXXX per month and I have no way to acknowledge or see when it is posted until my statement is sent.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-08-01
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. (DC)

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 2023-08-01
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. (DC)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (FL)

I purchased a {$500.00} Vanilla Visa gift card for my son for graduation. When I opened the card, I realized it is defective ; some of the numbers have been removed from the card. 
It appears they were intentionally scratched off. The outside packaging was fully intact so the damage would have been done prior to shipping to the store. 
I immediately returned it to the store I purchased it from ( XXXX ) but they said I'd have to contact Visa directly. I then called the number on the back of the card. Although they didn't have a prompt for a defective card, I kept pressing numbers until I was finally able to speak with someone. 
The representative instructed me on how to file a complaint. I emailed photos of the card, etc., as instructed. 
The representative said the problem would be solved within 30 days. 
This was on XX/XX/XXXX, which was over 70 days ago. 
The company has not responded. I have emailed and called several more times but after long periods of holding the line, I am told they are working on it. Obviously they don't care that they sold a defective card. 
My son is leaving for college next week and needs the money. 
I'm not sure what more I can do. 
I'm hoping you will assist with this matter. Thank you.
Consumer complaint received 2020-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc. (UT)

In XXXX Mountain Land collections agency in XXXX XXXX UT, XXXX the debt collector told me that my ex husbands medical debt was mine and if I didnt pay it will affect my credit, garnish my wages, take legal action. The debt was acquired by my ex husband in XXXX of XXXX and I have a divorce decree stating that we were separated XXXX of XXXX. He got disrespectful multiple different times and got me to sign an agreement for monthly payments with the collection agency which included my ex husbands debt. After numerous requests to remove the debt from my account they refused. They also have taken my monthly payments to pay off my ex husbands accounts first even though it was requested to pay off my accounts first. In XXXX of XXXX they withdrew double payments from my bank account without authorization to do so.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ACIMA CREDIT, LLC (GA)

I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any  new lines of credit, accounts, loans or leases are opened. 

XX/XX/2020, I was alerted that a new Account appeared on my credit from " Acima FKA  XXXX ''. I followed up with the XXXX XXXX XXXX  I have purchased to get a number for this vendor. 

I spoke on the phone with XXXX, Acima Credit customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. 

I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact me.
Consumer complaint received 2023-08-01
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: CCS Financial Services, Inc. (GA)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2024-10-31
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. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

I am writing concerning the ongoing attempts by LVNV Funding LLC to collect on an alleged debt referenced in CFPB Case # : XXXX and Case # : XXXX. I have made several requests for validation of this debt, but have not received adequate documentation proving I owe this amount. 

As the law requires, I am requesting that LVNV Funding LLC provide the original purchase agreement for this account, which should clearly show that I, XXXX XXXX, am the legal owner of the debt you are attempting to collect. This agreement must include all terms, conditions, and responsibilities associated with repayment. 

LVNV Funding LLC is unable to validate this debt by providing the requested documentation, I will have no choice but to seek legal counsel. LVNV Funding LLC continued collection efforts without validating the debt first is in violation of the Fair Debt Collection Practices Act.