davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2018, I applied on the Barclay website for an increased credit limit. I looked closely for any terms indicating a " hard pull ''. I submitted the request after no indication of a hard inquiry. Barclays said they did a hard inquiry.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NM)

Citicards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-05-26
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. (MO)

I recently checked my credit report and found collections inwhich I do not have any knowledge of and since then been trying to remove such information. And in accordance with the FCRA, such accounts needs to be verified by physical documentation and if not then the accounts should be removed. The following accounts are XXXX XXXX XXXX, XXXX XXXX, 3xs on my XXXX, and XXXX XXXX
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have two issues regarding the account closure of my Bank of America Premium Rewards credit card with account number XXXX  on XX/XX/XXXX.

1. I had a balance of XXXX bonus points, which is equivalent to {$7.00} after making purchases prior to account closure. The company refuses to transfer those points to my account after it was closed.

2. I paid an annual fee of {$95.00} when I first obtained the card in XX/XX/XXXX. Because the was closed after approximately 6 months, I requested the bank to pro-rate the annual fee since I was not able to enjoy the card 's benefits for a full year.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I recently checked my credit report and found collections inwhich I do not have any knowledge of and since then been trying to remove such information. And in accordance with the FCRA, such accounts needs to be verified by physical documentation and if not then the accounts should be removed. The following accounts are XXXX XXXX XXXX, XXXX XXXX, 3xs on my Equifax, and XXXX XXXX
Consumer complaint received 2018-05-26
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. (MA)

On XX/XX/XXXX I paid off my loan down to a XXXX  balance. I repeatedly asked the CS rep was this all I owed, she double checked and said yes. Since then, I've been going back and forth with the XXXX XXXX XXXX XXXX about my credit report. The listed on my report that I owed {$1.00}, when in fact, it is paid off. I disputed it with all 3 credit  bureaus, who then reported that it was in fact paid off according to XXXX, who informed me of the same thing. The very next month, the XXXX went back and posted that I owed {$1.00}. I disputed it again, and again the changes it to a XXXX   balance, but refuses to mark the account as paid off. Instead they have the " current status '' as in collections. It needs to read paid as a current status. My next step is to hire an attorney if you can not correct this. Thank you.
Consumer complaint received 2016-09-27
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NY)

On XXXX I opened XXXX CD 's in the amount of {$200000.00} each with XXXX in XXXX NY . CD 's term was13 months and were automatically renewable. The CD certificates were placed in my safe deposit box in the same bank. These CD 's were not redeemed, were discovered when I went to close my accounts and safe deposit ( which had not been opened in years ) box at what is now Wells Fargo Bank and discovered the XXXX Cd certificates, submitted them to the bank for redemption and was told that they had no records going back that far, and refused my claim. The issue is compounded by the mergers of XXXX XXXX into Wachovia in XXXX and the merger of Wachovia into Wells Fargo in XXXX.I believe the CD 's were in force at the time of both mergers and represent a debt obligation the must be honored by Wells Fargo. My CD records may have been lost in the mergers. Wells Fargo agrees that my original CD certificates are evidence that I opened the accounts ( copies of the CD 's will be forwarded ), and has not been able to provide any evidence that the accounts were paid or closed. The desired resolution is the redemption of the XXXX CD 's including accumulated interest for the years XXXX. I have tried repeatedly to resolve this issue and must now turn to the CFPB for help. 
The Cd # s are XXXX and XXXX. 
My information is : XXXX, NY XXXX. 
Email XXXX Phone XXXX XXXX XXXX
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with XXXX to XXXX, transunion drop 30 in 2 weeks and same with XXXX. I do believe that i am being unfairly targeted.
Consumer complaint received 2018-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

FINAL NOTICE, i have not been giving notice by this company and giving the right to dispute this debt, i will now dispute thru this site, i dont recall this debt so under fcra i am requesting that tis company provide my an document in which i agreed to pay said debt amount and my signature all on my contract, per ftc opinion letter, only a signed contract with an amount between me and the creditor is the only form of validation, This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : AN ITEMIZED STATEMENT IS NOT VALIDATION, AS I DONT CONSENT FOR THIS COMPANY TO HAVE ANY OF MY MEDICAL RECORDS CAUSE THAT TO DOES NOT VALIDATE AN ACCOUNT, AND I WILL NOT EXCEPT AN ITEMIZED STATEMENT AND NEITHER WILL THE COURTS, THE ONLY VALIDATION FOR ANY ACCOUNT IS A SIGNED CONTRACT OR AGREEMENT, ONE IN THE SAME
Consumer complaint received 2018-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (OK)

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : " most provided a signed contract between me and the creditor to validate this account '' an itemized statement does not validate any account, so dont provided, third party is hear say, my be a signed contract, NOTICE GIVEN PRIOR  TO FILING SUIT IN XXXX XXXXXXXX, OK
Consumer complaint received 2018-05-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC (NC)

This vehicle was totaled on XX/XX/2018. The balance was paid off by my insurance company and the remaining balance was picked up by my Gap Insurance. I have contacted the finance company on numerous occasions to please update this balance with all 3 credit bureaus so that I can move forward with getting a new car and a better interest rate.
Consumer complaint received 2018-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (FL)

on XX/XX/2018 I checked my report just to make sure there aren't anything that im not aware of. However to my surprise there was an account being reported by Waypoint Resource Group in the amount of {$500.00} I have never heard of this company never received any mailings from them nor have I had any service or a contract with XXXX XXXX which is a company that provides service in XXXXXXXX XXXX not XXXXXXXX XXXX in which I reside and have lived in the last 9 plus years. Im 100 % sure this is a error or misreporting because I have never had service or contact which any of these companies and I never received notice about this alleged debt. Since this company is already in violation of the FDCPA for failure of written notice and right to dispute this debt. I am requesting immediate removal of the reporting of this account from all credit bureaus and cease and desist of All collection activities immediately. If this account is not removed upon my demand I will seek legal action against this company. Please send a response with attachments of a statement agreeing to remove from all reporting agencies and cease collection on this account as it is inaccurate and un validated information that was furnished. Per FDCPA and FTC this account must be removed when consumer has not been notified of his/her legal right to dispute or request validation of a debt along with certain statute of limitations determine how long you can collect or try to report old expired debts.
Consumer complaint received 2018-06-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (CO)

Apparently I was put as a secondary contact in case they could not reach the individual ( family member ) who owes debt. I have been unable to reach anyone at the company and demand that all calls stop immediately. I demand that my information be immediately removed from any contact list and that all contact attempts cease. I've been called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have no legal obligation for this debt and have exhausted all remedies.
Consumer complaint received 2024-09-19
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

I have been working by phone with XXXX XXXX at loandepot.com to check rates and fees for a mortgage to refinance my home. In order to see the estimate, I was required to pay for a credit check for a charge of {$19.00} to a credit card. I used my debit card for the amount since I did not want a small charge on my credit card. XXXX assured me that the {$420.00} charge for an appraisal fee would not be charged until I spoke with him again, but he had me click on several places in their website to agree to continue with each step. I gave him my debit card number to pay the {$19.00} on XX/XX/XXXX and received an email receipt for that amount. On XX/XX/XXXX, without any further conversation, my debit card was charged {$420.00} as per " my agreement with XXXX XXXX '' as my intent to proceed.
Consumer complaint received 2018-06-26
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. (CA)

On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you
Consumer complaint received 2016-09-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc (TX)

My husband and I are trying to purchase a home through he VA program. I noticed a collection from a company called AD Astra on my credit report. To my knowledge, I am not familiar with the amount they are saying we owe and what it could be from and when. We watch are mail closely and do not recall receiving anything from this company stating what this is about. We did some research and decided to dispute the account and request validation. We disputed this in XXXX and re-disputed in XXXX. We have yet to receive any correspondence back from them. This is really frustrating and concerning and next year we plan to purchase a home and need to make sure the credit is in top form. I decided to file a complaint as a last resort since sending them a formal validation letter in affidavit format obviously is not working.
Consumer complaint received 2018-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (MN)

XX/XX/2018 calls started calling for a XXXX XXXX ..He has not owned this number for over 3 years and no matter what I tell this company they will not stop, they are rude on the phone I was hung up on 6+ times just asking for a supervisor to get the calls to stop
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (CA)

After living in this apartment for 12 years, we were sent a letter asking us to move due to remodel ( see pg 1 ). We were never given the option of a walk through to identify anything that we could correct before having it deducted from our deposit of {$700.00}. Landlord conducted a walk through after new tenants had been living in unit He has kept our entire deposit plus asked us to pay another {$900.00}. He has called us liars and insulted our intelligence as you can see in his email. we asked to see receipts but were denied. except for the one for carpet. He wanted us to pay for carpet but pg. 8 of the lease states we can not be charged for carpet after so many years, so instead he is charging us for the recycling of old carpet and padding and installation of the new carpet this is how he has worked his way around it. He claims we damaged appliances and that they werent clean enough, this is after 12 years of use, they are going to have wear, plus they are the same appliances that were left for the new tenants, so they couldnt have been too damaged. he would not produce a receipt for the extra cleaning. We received a letter on XX/XX/XXXX stating we had 10 days to pay or we would be turned over to collections, on XX/XX/XXXX we received a statement from a collection agency. we had just moved out on XX/XX/XXXX. we are being charged twice for utilities, and late for supposedly over 10 mos. ago. He has ruined our hard earned credit standing, it dropped 40 points. which he had threatened to do to make it difficult for us to find a new place to live Please see his email to us dated XX/XX/XXXX, very intimidating and threatening. We tried mediation, but we received very little cooperation. I am willing to pay {$75.00} each for 3 closet doors, since he will not get us receipt i think that is fair. The handle on the refrigerator was missing when we received it. it had come from another apartment that way, it was replacing the one we had because it was broken when we moved it. I feel I am entitled to my deposit minus the {$220.00} for closet doors, I expect him to correct what he has done to our credit and be held monetarily responsible. We have worked hard to keep our credit in good standing, he had no right to damage it for his satisfaction. I would really appreciate your help on this matter. we have been denied what should have been rightfully by law offered to us, our credit is ruined, and he has kept our funds.
Consumer complaint received 2018-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have been enrolled in Navient 's Auto Pay program since XX/XX/XXXX. My due date is the XX/XX/XXXX of each month. The agreement I was sent by Navient states, in relevant part, that " The payment amount of {$590.00} will be automatically extracted from your designated bank account on the same day each month... If the scheduled payment date falls on a weekend or holiday, the Auto Pay will extract the following business day reflecting your actual due date. '' Today is XX/XX/XXXX, and Navient has already withdrawn the funds from my account. Not only is today two days before the actual due date, but it is three days before the date that Navient, pursuant to the agreement they sent me, allows them the " extract '' the money ; XX/XX/XXXX, happens to be a federal holiday, so XX/XX/XXXX, is the first date that Navient has the authority, under the agreement, to " extract '' the money from my account. In addition to the date being too early, Navient further withdrew an additional amount of {$76.00} which I was not aware of nor did I agree to. 

I am extremely frustrated by Navient 's actions because the account from which they made the withdrawal did not have enough money to cover the transaction ; the account in question is used sparingly and I had to physically go into the bank to add funds to the account to ensure there would be no issues. I have multiple accounts which are segregated for different uses. I have a scheduled transfer of funds into the account in question on a monthly basis that would have ensured the proper amount of funds were in the account on the day that the " extraction '' from Navient should have been made. Now, however, I will be subject to an overdrawn fee from my bank because Navient refused to act in a manner consistent with the Auto Pay agreement.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

Hi I was a victim of identity theft and my XXXX credit score was at XXXX and I open up a dispute with my credit bureau and I received a email alert from American expresss and they lower my spending limit to XXXX due to my credit score is low and I explain to them that I paid my credit cards on time and I have few accounts on my experian credit report are fraud American Expres told me that I need to to fax in my tax returns and my bank statement and they are closing my account soon and didnt want listen to my situation and made it so hard for me ... .. and I spoke to a supervisor and he was rude to me and called it night and I called XXXX fraud dept and told them about my American Express account and they didnt want to assist me and hung up on me three time and stated that I need to call the next day because they will be closing in 15 mins .... and experian refused to assist me and American Express dont want to contact experian ....
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.