davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-21
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. (IL)

On XXXX XXXX, I wrote to XXXX, Equifax , & XXXX  informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. University Of XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 XXXX  & Equifax Informed me that the items were verified. Which is through a the XXXX system. I got nothing in writing stating who XXXX  & Equifax spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. XXXX  never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

AFTER REVIEWING MY RECORDS I FOUND A CHARGE ON MY CARD FROM XX/XX/15 DONE BY XXXX XXXX XXXX FOR {$750.00} I CALLED BANK OF AMERICA AND WAS NOT ONLY TRANSFERED 6 TIMES BUT WAS ON HOLD FOR  OVER TWO HOURS. THEN FINALLY SPOKE TO A VERY NICE MAN XXXX WHO WAS EXTREMLY HELPFUL HE TOOK MY FRAUD CLAIM AND EXPLAINED I WOULD BE CREDITED. AFTER A FEW DAYS I GOT A LETTER STATING THAT THEY REVIEWED THE COMPLAINT AND SAY THERE IS NO FRAUD, AND THAT IT IS TO OLD FOR THEM TO HELP ME! I NEVER GAVE THESE PEOPLE MY INFORMATION, AND AM VERY UPSET THAT I WOULD HAVE TO PAY FOR SOMETHING I DIDNT DO!
Consumer complaint received 2018-08-14
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 — Problem with personal statement of dispute
Company: BANCO POPULAR DE PUERTO RICO (FL)

This letter constitutes a formal complaint against Banco Popular de Puerto Rico ( BPPR ) for the unethical procedure in the intent to report inaccurate information on my credit report on all bureaus. Due to the lack of compliance from their part with the Moratorium as offered by the bank after Hurricane Mara in which the three months XXXX, through XXXX would be added at the end of the mortgage and the regular payments would continue on in XX/XX/2018. Moreover, your employee told us that our call was not even necessary because we qualify automatically to benefit from the three months break BPPR was giving. Banco popular has not honored their offer and has ruined my good credit.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

12 years ago, I opened a student bank account with my mother and father. 7 years ago, I found out that they had judgments against them ; therefore, I went to my local branch, told them my problem, and was told that by changing my account that their names would be taken off of it, and I would not have their problems follow me. XX/XX/2018, I look at my bank account, and find out that it has been garnished. I call Bank of America,  and they tell me that my parents names are on my account. I try to ask for more information about this - given the statement about 7 years ago -, but the only thing I've been given is a number for XXXX. XXXX is extremely unhelpful in giving any information to either my mother or father about the garnishment, and their only motive is collecting on whatever debts they have. I've tried contacting Bank of America several times to  learn more about this garnishment, but each time, an associate refuses to give me any information. I get another account with Bank of America so that I can try to protect any future money ; however, I just received a letter in the mail saying that I'm going to be charged a processing fee of {$500.00} due to this garnishment, which I am not allowed to know anything about. I call Bank of America again today, and ask them if Bank of America is going to seize my new account to pay this. I find out that yes my new bank account can be seized for this secret garnishment, and any future bank accounts I get with whichever bank can be seized by my parents ' creditors due to a law called " right to settle '' which now forever ties me to this garnishment of my account. 

Bank of America has acted negligently with me as their customer by not ending my account 7 years ago when I had asked them to, and thus placed me in danger. Now while I'm trying to speak with them more to try to understand the danger that they've placed me in, they are refusing to help me in any way.
Consumer complaint received 2018-08-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

On XX/XX/XXXX I received a missed call and a voicemail from phone number XXXX from a " XXXX XXXX '' who stated she was contacting me in regards to a case being filed with XXXX county. She stated that once my case is filed it will become a case of public record and a order of my location has been issued. She stated since she was unable to contact me she will proceed with forwarding my case to the legal department and my legal rights would be forfeited. She also stated that my employer would be contacted and this wasn't to embarrass me but yet to show this was my place of location. She then stated to contact XXXX file number XXXX if I want to contact them in regards to my case before it goes public. When I called XXXX I spoke to two people one named XXXX   who said she was an account manager and that I owed a debt for a pay day loan that was taken out in XX/XX/XXXX and the amount was {$540.00} with Ace cash express. I don't recall taking out a loan such as this, secondly she had my full date of birth name, and full social security number. She told me that I had to pay or else I would be taken to court where after lawyer and court fees I would have to pay {$1400.00}. I told her I didn't feel comfortable giving card information over the phone when I have not received any notice about this debt. I asked if they could send me something to show this is what I truly owe and she told me they don't do that because they are a law firm not a debt collection office and its either pay or get summoned. I called ace cash express and was told I did take out a loan in XX/XX/XXXX and that I owed {$240.00} before it went to collections.ACE CASH EXPRESS told me they could not provide who the debt collection agency was as it was sold to a outside collection agency and I would have to wait for them to contact me. I am unsure I even received this loan as im showing I was denied a loan through ace cash express back in XX/XX/XXXX. I called the law firm back and they said thy were called the office of regional proceedings with an address of XXXX XXXX XXXX CA XXXX, when I XXXX the address it shows me its a debt collector not a law firm. I believe I am getting scammed by a debt collector who is A. trying to get me to pay more than what I really owe for something and B. impersonating a law firm to get me to pay which is illegal.
Consumer complaint received 2018-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

**Note previous report contained grammatical errors and missing keywords. Please disregard complaint XXXX** I received a report from XXXX a couple of month ago stating my identify was on the dark web. On XX/XX/2018, I sent a certified letter along with my proof of address to Transunion to remove unverified fraudulent accounts on my credit report. Instead of responding to my claims, they sent a stall letter on XX/XX/2018 stating the proofs of address were unacceptable. Within a few days, I called Transunion to update my address. Nearly one month later, I still have NOT received a response to verify the accounts. I filed a FTC report on XX/XX/18 and faxed the FTC report along with my ID, social security card, and a copy of section 605B of the Fair Credit Reporting Act which states the credit bureaus must block the fraudulent information within 4 business days. I called Transunion today on Friday XX/XX/2018. They stated do not have to follow the FCRA 605b law and block the fraudulent information. I asked why they will not block the information and Transunion stated they do not have to tell me why. XXXX  has deleted and block the accounts and inquires listed on my FTC and I would like to Transunion follow suit and do the same as well.
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

I have money being illegally garnished from my account for a credit card that was paid off in full. XXXX XXXX XXXX is currently garnishing my wages over a credit card that was paid off in full in XX/XX/XXXX. I have copies of the checks stating the amount had been paid in full.They have been taking over {$110.00} and sometimes more from my account since XX/XX/XXXX.
Consumer complaint received 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Swe Homes LP (TX)

I am late on my payment this month and it is not even 30 days from my due date and you all are threatening to foreclose on my property already. I have not read anything in my loan agreement that says that. 
Last month I was late and you all gave me such a hard time. One guy tried to charge me {$200.00} more dollars on my late fees in addition to the {$140.00} dollars. I did not see that in my loan contract agreement. 
( I am writing this complaint because you all already foreclosed on two of my properties under the same exact conditions )
Consumer complaint received 2018-09-19
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: Experian Information Solutions Inc. (SC)

I filled a dispute on XX/XX/2018 for investigation with the credit bureaus to validate a bankruptcy that they are reporting on my reports. The credit bureaus have responded on XX/XX/2018 with no proof and only responded that they have verified with the US Bankruptcy court that they have verified a bankruptcy. They have also said they verified with XXXX XXXX and I have proof that my XXXX XXXX file was suppressed due to identity theft and did not verify anything with them. I have attached proof that my XXXX XXXX file has been suppressed, letter from US Bankruptcy court, & correspondence with credit bureau.
Consumer complaint received 2018-08-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

XXXX XXXX XXXX Sr. Loan Consultant XXXX ID XXXX State Lic. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Direct XXXX Fax XXXX XXXX XXXX ( Caliber Home Loans ) sold properties in a collaboration with XXXX XXXX XXXX and XXXX XXXX ( affordable housing with deed restrictions ). XXXX and Caliber Home Loans knew these homes were defective and quickly became uninhabitable shortly after closing ; yet, he continued to close on these homes and write mortgages on these properties where the consumer was being defrauded. XXXX was working in the builders best interest to the detriment of the consumer - mostly low income consumers who bought these lemon properties as their first home, then they were forced to walk away in far worse financial shape than before.
Consumer complaint received 2018-09-21
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: Experian Information Solutions Inc. (IN)

Experian has failed to provide me with the information the company is using to verify the information that is being reported on my credit report is accurate. Experian has not responded to my request for information pertaining to the validity of the debt they are reporting to creditors on my behalf. Experian has placed a fraud alert on my report that I do not agree with or authorized. I have requested it removed in writing as well as per a telephone call yet the statement remains on my report despite my numerous efforts to have it removed. I have have sent numerous requests over the the past year for this company to provide only accurate information and I have been met with delay after delay and in many instances when I have sent request via mail I have received no response to my request or a response that has nothing to do with my specific request for specific information. Experian has indicated they have investigated the account and re-investigated it but has not provided me with any info on their investigation and has sent me a letter stating they will not re-investigate the information on my report,, but they have NOT sent me anything that supports their decision to have the account information on my report. I have sent the company a certified letter and a copy of the letter obtained directly from the bankruptcy court that indicates they have NOT provided them with the information they are reporting. EXPERIAN has failed to adhere to FCRA guidelines and provide me with the information requested in the time frame allotted per FCRA guidelines established via US government Some of the document numbers that I have sent in are # XXXX EXPERIAN IS ALSO REPORTING A FRAUD STATEMENT THAT i REQUESTED THEM NOT OT DUE THE FACT THAT IT CONTAINS PHONE NUMBERS THAT THE INDIVIDUALS THAT HAVE ACCESS TO MY IDENTITY ARE AWARE OF ... I DO NOT WANT THESE PHONE NUMBERS LISTED ON MY REPORT OR AS PART OF MY CREDIT STATEMENT. THIS IS NOT A STATEMENT FORM ME AND IT IS NOT ACCURATE AND I WANT THIS COMPANY TO CEASE AND DESIST USING THE STATEMENT AND STOP GIVING THE INFORMATION TO OTHER AGENCIES AS WELL.
Consumer complaint received 2018-09-20
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: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX NJ XXXX - XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.
Consumer complaint received 2018-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I joined Coinbase in XX/XX/XXXX. Things were going fine until my Coinbase accout XXXX was hacked. I had coinbase place a freeze on that account immediately butbthe hackers had already stolen my funds. I also had a second account XXXX which I believed may have also been hacked. I found out two days later that was not the case and to please reopen my XXXXXXXX XXXX XXXX account for trading and transferring my fund into my attached bank accounts. As I stated the theft took place in XX/XX/XXXX. By the middle of XXXX I still had heard no response to my requests to open. Finally at the end of XXXX I was told that I was able to use my XXXXXXXX XXXX XXXX account. All was well until I received a notification of suspicious activity in my account and my account was again unable to place buys or deposits. I was told this should take 24/48 hours to investigate and return my account. Once again I was placed on a cycle on neverending unanswered emails until I finally got so frustrated I typed a letter to the privacy/disputes department. I received an email from XXXX who had gone through all my documents and agreed this had gone on long enough and he was personally going to make sure my account was escalated to the proper authorities for an explanation of what was going on in my account. Finally on XX/XX/XXXX I received an email from Coinbase support that they had reviewed my account and were reinstating it. I made two {$50.00} transactions of bitcoin and ethereum, paid for them with my XXXX debit card and everything seemed fine. The next day I attempted to make another small trade and my account once again had been closed to buys or deposits. When I emailed for an explanation I was told my account was not eligible for a review at this time and Coinbase could provide me with no further explanations. I sent a second letter to the privacy/disputes department on XXXX XXXX and have had no response to date.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am listing accounts 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 has hurt my ability to obtain credit.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF THE WEST (CO)

The following are the facts of my case and the undisputed reasons I should have received funds for my billing dispute with Bank of the West using my MasterCard Business debit card. I understood Bank of the West has included their terms and conditions for their reasoning for declining my disputes, however per Mastercards  billing dispute rules Im obviously covered and have a right to dispute the presented charges on my business card. I have attached a portion of Bank of the Wests website which clearly states my business card is protected through MasterCards guidelines and benefits. MasterCard states very clearly that I have a right to dispute charges  under the premises credit not received meaning the merchant promised credit however they did not issue such credit. Under Mastercards guidelines Im allowed to dispute charges up to 120 days from all dated material, meaning not from the transaction date and not from Bank of the West disclosures, but from the date I received an email stating the merchant would refund my account. I have attached two emails from XXXX XXXX and XXXX XXXX from Bank of the West clearly showing that they did process business disputes that were past their terms and conditions because these disputes fall under Mastercards guidelines. I have also attached an email dated XX/XX/XXXX from XXXX XXXX of Bank of the West that clearly states that all transactions that were present to her would be processed. Mastercards guidelines also clearly state all material use to dispute my disputes be sent to me, Bank of West has failed to send me this material. 
I have attached a video that references both the CFPB, MasterCard, Fair Credit Act and disputes XXXX XXXX XXXX XXXXXXXX. 
In conclusion, its very clear that it was agreed and stated by XXXX XXXX and XXXX XXXX that all transactions would be processed, the attachment from XXXX XXXX showing that business transactions that were in XXXX and XXXX of XXXX were processed because thats what the agreement was. Its also clear that Bank of the West uses MasterCard for their services so Im absolutely within rights to dispute. Under government rules and MasterCards guidelines Bank of the West still has {$42000.00} in outstanding disputes to process. As of XX/XX/XXXX, Bank of the West arbitrarily closed my account without reason and has caused even more financial harm. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-08-14
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: JPMORGAN CHASE & CO. (AZ)

I have 12 hard inquiries according to XXXX XXXX by CHASE CARD ( XXXX, DE ) spanning the last two years. I've never had an account, credit card or any affiliation with Chase whatsoever. I called their customer service line and they have zero record of my name and/or social. The hard inquiries are from the following dates. XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I need these off my credit report, please help. Thank you.