davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
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. (NY)

XXXX XXXX : I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX Late/Closed XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX  Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX. XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX
Consumer complaint received 2024-11-11
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. (VA)

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

I 'd like to add to your investigation of Wells Fargo scams. They owe me and my wife a months payment and refuse to correct the situation. Since they like to utilize various techniques to sidestep the issue and ignore a court order I 've been keeping a correct record that I can send to whomever your investigative officer may be. I 've been keeping this record since 2008 and send a letter asking them to correct this issue with each mortgage payment, which happens to be made a month in advance, each month. They boldly ignore my request to correct the issue then insult us by sending a letter stating their refusal of our proper request to credit our payment to the account. Bottom-line : They 've absorbed an entire mortgage payment and are avoiding responsibility for the missing money which my bank processed to their account regarding our mortgage.
Consumer complaint received 2016-12-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

Many years ago i was going through a divorce and re financed my condo to pay lawyers and pay off a car that belonged to my ex wife but the loan was in my name. i ahd refinanced with a 3 yr ARM, my credit was n't the greatest after 3 years and i could not re finance. I was introduced to someone through a family friend that had offered to help me modify my mortgage. i paid him over {$7000.00} and he pretty much disappeared and i was left with a huge mess. I was finally after about 5 years able to modify the note buit what happened was i was given a new principal note and all the missed payments and fees were tacked on to a second loan that is due when the first note is paid off.. the balance of the second note is about XXXX this amount is not collecting any interest, but i feel that this practice is not right. at the end of the day yes i am able to pay my monthly bill but i am still under water and will never be able to get out from under. I was never told during the modification process that this would be the end result, had i known I probably would have just walked away and figured things out as i went. Is there anything that can be done? is this practice even legal? I have contacted the AGO and they put me in contact with someone from wells fargo who is supposed to get back to me after the new year but i have no hope. I feel like i was mislead and lied to. I am not looking for a free ride or to have something handed to me for nothing, but these banks were given billions of dollars from tax payer money when they mishandled their business practice and gave out loans to people who clearly could not afford them. Is there anything that i can do? i would appreciate any help or ideas. 
thank you
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I AM XXXX XXXX AND I WANT TO TRANSFER MY BALANCE WITH MY CREDIT CARD COMPANY. I HAD A XXXX CREDIT LIMIT IN 2015 AND EVERYTHING WAS FINE. WITHOUT ME ASKING FOR AN INCREASE CAPITAL ONE INCREASED IT TO {$3300.00}. NOW I AM NOT ABLE TO PAY ALL THE INTEREST AND OTHER FEES CONNECTED TO THIS CARD. I NOW OWE OVER THE CREDIT LIMIT AND WHEN I MAKE PAYMENTS THEY ALL GO TO INTEREST AND THE FEES. I CAN NEVER GET AHEAD. WHEN I CALL THEM WHICH HAS BEEN OVER 8 TIMES THEY SAY THEY CA N'T TRANSFER MY BALANCE TO THE CHEAPER 0 % ON A BALANCE DUE. IN OTHER WORDS THEY SAY THEY CANT GIVE ME THERE OFFERS OF 0 % BALANCE FOR MANY MONTHS. WHY WOULD THEY WHEN THEY KEEP CHARGING ME OVER {$70.00} EACH MONTH IN FEES AND INTEREST.
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank continues to lower my credit limits. They started doing this when I was going through issues with my mortgage lender. I have no late payments on any of my cards with them or any of my other credit cards. Now that my issue with my mortgage lender is resolved I also have no late payments with my mortgage lender. Despite this, my credit is ruined because I have multiple cards with Synchrony. Each card systematically gets reduced to the nearest {$100.00} increment above the current balance which makes the card maxed out. Even if I make a large payment, they lower the limit to just above the current balance and cite balance to available credit proportion as the reason. The reason that they created by lowering my limits!
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Please review the enclosed correspondence with Capital One regarding a plane ticket I purchased for {$710.00}. I was unable to use the return portion of the ticket to return home without any explaination why. I was given no alternative except to purchase a new ticket from XXXX XXXX for {$300.00} if I wanted to return home on the same scheduled flight as specified on my original ticket that I purchased for {$710.00}. Capital One claims to have done an investigation but posted the charge back on my account. Capital One refused to provide a reason verbally or in writing as to why the charge was refilled to my account. For this reason, I feel I was defrauded because I was not able to utilize the return portion of the original ticket. Furthermore, I consented to a re-review of the case dated XXXX/XXXX/2016 ( I spoke with XXXX, a Cap One supervisor ) however as in the past, there was n't any documentation in Capital One 's records that the re-review was performed. Capital One appears to have violated regulations regarding resolving the dispute within 1 month, and refusing to comply with my request for a written reason explaining the action taken -- re-posting the charge to my account as requiured by XXXX and Federal regulations. The Cap One dispute center never sent an affidavit for me to sign regarding my dis [ pute which makes me suspect that there was never an investigation or a re-rteview as I was promised by XXXX.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I have disputed a XXXX account three times ( XXXX, XXXX, XXXX ) with Equifax. I have included a letter from XXXX stating that this is not my account. I have included the police report I filed to report the fraud.. XXXX took the XXXX account off my credit right away. Equifax has for the third time " verified '' that this is my account. It is NOT my account and I have given them the documents to prove this is the case. This has caused me financial hardship! Help!
Consumer complaint received 2016-11-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AR)

We applied for and were approved for a VA cash out refinance loan. When we were almost ready to close the loan our existing mortgagee, Roundpoint Mortgage, sent us a letter dated XXXX XXXX, 2016 stating our loan was being sold to XXXX XXXX Mortgage/c/o XXXX XXXX. We signed the documents closing our loan XXXX XXXX, 2016. We received a letter about the transfer of our existing mortgage from XXXX dated XXXX XXXX, 2016 saying they were servicing our existing loan with payment information. We received our borrower 's final closing statement from XXXX Escrow dated XXXX XXXX, 2016 which showed the payoff of our loan to RoundPoint Mortgage not XXXX. Along with that document was a letter from XXXX Escrow dated XXXX XXXX, 2016 that indicated an escrow account was closed. Attached are copies of these documents. As of today, we have n't received the money we had in escrow from anyone in the amount of {$1000.00}. RoundPoint says it was transferred to XXXX XXXX. I ca n't get XXXX XXXX to talk to me as our loan number and last XXXX digits of my husband 's social do n't come up on the automated answering system. Could you please help us get paid our money that was in escrow connected to our paid off loan? Your agency helped us recently and we were very grateful for that. This is just like before, we 've exhausted all of the options that we can think of. Thank you, XXXX XXXX
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items removed.
Consumer complaint received 2016-10-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc. (MS)

Lender set an original closing date on my loan for XXXX XXXX, 2016 but had not collected enough information needed to close so we were not able to close. I am now going into the fourth month with no set closing date and lender is asking for a lot of same information already provided. Does not respond when ask what is needed to close. I feel that I am being put in line behind other buyers for whatever reason.
Consumer complaint received 2016-11-25
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

A customer initiated a chargeback through their credit card company and Paypal, they gave the customer a full refund without them returning the items. On XXXX XXXX 2016 our company installed a split A/C system at the customers house, the items are as follow : XXXX XXXX : XXXX C/U serial : XXXX A/H model : XXXX A/H serial : XXXX Heat model : XXXX Heat XXXX The item came with 10 year labor and parts warranty and passed all necessary city inspections. After almost 6 months, on XXXX XXXX 2016, the customer initiated a chargeback through Paypal and the credit company, citing defective merchandise. Even though the items have a 10 year labor and parts warranty, we agreed to issue a refund if they returned the items. Even agreeing to pick them up for free. On XXXX XXXX 2016, the chargeback was ruled in favor of the customer, and there was no stipulation of returning the item. So the customer got the money back, which was {$4000.00}, and does not have to return it. This has happened over 3 times between us and Paypal. Where customers have initiated a chargeback, and Paypal claims to have fought in our favor with the credit card companies. In each instance the credit card companies ruled in favor of the customers and they all got to keep the items. We filed extensive paperwork with Paypal showing each step of the process between us and the customer. Our complaint is against Paypal and how they handle their chargebacks. Since we are basically having our A/C systems given out free when the customers do not have to return them.
Consumer complaint received 2016-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Brown and Joseph, Ltd (VA)

I had a business insurance policy with XXXX for 1 year that was paid in full. After a year, they invoiced me a bill for a renewal policy without my agreement or signature. After contacting them regarding this mistake, they said, to send documentation of my current policy with another company for the period questioned and they would look into reviewing it to cancel. If not, it is automatically renewed. I contacted them 3 time regarding this mistake. They have now referred invoice to a collection agency for none payment of {$100.00}. I did not request for this renewal policy or sign any documents. This is unfair practices.
Consumer complaint received 2016-11-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (VA)

answersThere are a few issues with the debt American Medical Collections Agency is trying to collect that originated from XXXX XXXX One being my health insurance adjusted a few of them and XXXX XXXX actually owes me money. Another being my medical insurance says from the XXXX statements I do n't owe for certain tests because of the contract XXXX XXXX has with the medical insurance. The third issues is I just made it through a series of appeals and it looks like a won. These appeals take several months ... upwards 16 months to complete. When I originally contacted XXXX XXXX they just sent me collection letters sooner instead of working with me and waiting the appeal process like they are supposed to. I do n't owe XXXX XXXX the {$1200.00} stated in the bill from American Medical Collections. When I try and contact Medical Collections I get no answers. They send a bill about once a week.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am the successor trustee for a trust account opened at Bank of America, branch located at XXXX. - XXXX, FL XXXX. 
The original trustee is deceased and I have been trying for over one week to gain rightful access to the account. I did provide a copy of the trust agreement, which designates me as the successor trustee, as well as the death certificate of the original grantor/trustee. However, nobody at the bank seems to understand how to make the proper modifications to the trust account to provide me with access. Time is of the essence and yet phone calls are not promptly returned, and when they are returned, all I get is stalling from the branch manager, XXXX. 
Their delays are causing irreparable harm to the trust. Please investigate and resolve this issue including any applicable penalties for the unjustifiable delaying tactics this bank is using.
Consumer complaint received 2016-12-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TN)

I paid XXXX credit card debts that originated from Wells Fargo. 
Due to hardship both credit card accounts were later passed off to a collection group called XXXX, XXXX. This collection agency hired a law firm named XXXX XXXX XXXX who filed a civil suit for settlement amounts and both accounts were paid in XXXX of 2012. Recently it was discovered that XXXX, XXXX never reported the debts paid. If I had not kept my receipts all of these years I believe that I would struggling to prove the debts were paid. These debts were paid four years and because XXXX did not promptly report this that it greatly affected my credit. 
If I had not kept my receipts it would have been my word against them and I am certain that these debts would have showed up again for collection down the road.
Consumer complaint received 2016-11-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Blakely-Witt and Associates, Inc. (TX)

I called Blakely and Witt on XX/XX/XXXX2016 and asked to speak to XXXX XXXX XXXX. I asked if he could send me the documents that he stated in our conversation last week stating that I had supposedly signed documents that his company was able to add interest to my original debt. XXXX XXXX XXXX stated " Look I do n't have time to play games with you lady, when you get serious then call me '' and the phone call was disconnected. I tried to call back just but I never got a response.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MA)

Citi Bank /Home depot credit card Charged a late fee multiple times when the due date fell on a Sunday, and the payment was received the next available business day. This is a violation of the fair and accurate credit collection act, and they have refused to correct the illegal action they have done by claiming payments can be made in stores 7 day a week. I believe Citi Bank has done this to many others, and make regular practice of being unfair and deceptive to consumers
Consumer complaint received 2017-02-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

collection agency stated that once debt is paid i would receive a letter of satisfaction debt paid in full and request from major credit bureau to remove from my credit once debt was paid i did get a paid in full letter but no request for deletion from my credit when asked why there was no deletion statement they said they report only i told them i was told they do deletions they referred me to merchant and merchant says they sold account im getting the run arround
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (FL)

The Citi AAdvantage Credit Card is deceptive in its aggressive marketing of XXXX of the primary benefits of the card : First Baggage Checked Free & Group 1 Boarding when XXXX XXXX ticket is purchased using the XXXX. The benefit is only available to the cardholder who 's XXXX Number appears is attached to the account, regardless of how many cardholders are on the account. When I contacted the Citi AAdvantage Customer Service Line, the representative admitted that this is their # 1 complaint. 
They are forcing consumers to take on unnecessary debt ( get more than one card per household ) by limiting these benefits.
Consumer complaint received 2016-11-26
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (CA)

I applied for a construction loan earlier this year with a medium sized bank. The senior loan officer clearly knew how much I needed to fund the project. The bank and the mortgage broker had indicated the bank could fund up to 90 % of the appraised value. However on two separate occasions ( most recently XXXX XXXX ) I received a conditional approval for only 50 % loan to value. I believe this was not incidental, but intentional. This was after stringing me along for months and months with repeated requests for documentation that I had already sent, but it had misplaced or lost. 
Their process is deceptive and has placed me in a vulnerable position. If I want the project to go forward I am forced to put in a sizable amount of money. This is bad for me, but good for the bank because its risk is lower with a 50 % LTV than a 75 % 0r higher LTV.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

I spoke to a representative from Equifax regarding negative information from XXXX XXXX retroactively placed on my report for years XXXX and XXXX. This information was placed on my report in XXXX of XXXX almost 4 years later and after 4 years of Equifax reporting no negative information for XXXX XXXX. I was told by an Equifax representative over the phone that on XXXX XXXX, XXXX another update was being done on my file and in a few week after this update the negative reporting for XXXX and XXXX would not show on my report. 
I have requested Equifax to remove this information from my credit report.
Consumer complaint received 2016-11-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

I applied for a Citibank Checking Account based on an offer advertised on their website offering a {$400.00} bonus if I maintained a certain minimum balance. I applied in XX/XX/2016 and file number assigned by Citibank was XXXX I was denied a checking account by Citibank and they sent a letter to that effect. My complaint is regarding this letter since it did not provide any specific adverse action reason to why my application to open a checking account was denied. I have attached the letter as evidence. I have a perfect credit history with no late payments ever and I already have existing credit card relationships with Citibank in perfect standing. I would like to understand why was I denied for a checking account and why was I not given an opportunity to clarify or dispute any information that was missing or derogatory leading to the bank 's adverse decision.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. ()

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to Pacific Concrete FCU v. Kauanoe, 62 Haw 334, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.