davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a copy of a lawsuit showing that my motion for summary judgment against Plaintiff XXXX XXXX was granted. The court agreed that Plaintiff sues the wrong XXXX XXXX and/or the wrong person as my account was not the one for the basis of the lawsuit and the information in my credit report is wrong. It should have been removed. I have notified each credit reporting agency multiple times yet XXXX XXXX   continues to report incorrect and/or inaccurate information concerning a purported charged off debt that isnt mine. They even hired a XXXX law firm to sue me and their case was dismissed after I proved to the court the account wasnt mine. Please order or direct them to remove this error from each of my credit reports.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please note that the mentioned companies listed are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2022-11-15
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: LendingUSA (IL)

My name is XXXX XXXX was a victim of identity theft a few years ago.I have been trying, unsuccessfully to remove this account from my credit report .I uploaded all my docs and proof for you to see .so u can see some one open an account with XXXX Lending USA XXXX XX/XX/2019 over XXXX was done under my name with out my permission identity thieft I have try with XXXX  and XXXX lending but XXXX  lending is not in charge of account XXXX XXXX has it there a mix up on my credit report with XXXX it has XXXX  lending as current account holder but they dont have it no more XXXX XXXX has but never reported this is weird I have excellent credit this is XXXX me please help
Consumer complaint received 2019-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

Made a principal payment on my loan ( {$500.00} ) to be effective XX/XX/2019. Freedom Mortgage put the funds into an " unapplied '' account and did nothing with the funds until XX/XX/2019 XXXX the date my regular mortgage payment for XXXX went through ). 

Sent Freedom Mortgage a fax about this ( as they don't take questions about things like this over the phone ) on XX/XX/2019. Asked Freedom Mortgage to adjust the principal payment date to XX/XX/2019. Got a response, dated XX/XX/2019, which agreed with my assessment that the principal had not been applied correctly, and then stated that I should have written a more specific note on what to do with the funds on my check. This is very strange as I called in the mortgage payment and made it over the phone with a Freedom Mortgage employee. 

So, Freedom Mortgage implied that they were confused about the payment date for a spurious reason and then did not offer any resolution. Freedom Mortgage simply took several weeks to send me a letter informing me that they agreed with my assessment of what happened -- and then made no offer to do anything about it.
Consumer complaint received 2019-08-22
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: BARCLAYS BANK DELAWARE (NY)

I sent a certified USPS mail of my complaint to XXXX Credit Bureau on XX/XX/2019. 

I requested proof of validation of debt documents to be submitted to me by both XXXX and Barclays Bank Delaware.The letter is attached, indicating all the required information that was requested, and that required a response. 

Upon completion of their investigation, I did not receive any of the documents requested, but yet XXXX updated my credit report without deleting both accounts, for failing to respond to my request.
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

My original mortgage was through XXXX XXXX XXXX a subsidiary of Countrywide Home Loans and was a predatory loan. I purchased my home in XX/XX/XXXX  with a jumbo loan from  for $XXXX with XXXX  down and 100% financing on a 30 year ARM  with a 8.5% interest rate on a first and second mortgage.Bank of America acquired Countrywide. I initially fell behind on payments when I was displaced from my teaching job in XX/XX/XXXX as my position was eliminated as a reduction in force.  I was forced to file bankruptcy in XX/XX/XXXX. After my discharge, Bank of America offered a  loan modification instead of foreclosure. I submitted multiple packages for the next two years yet they never actually modified the loan. Shortly, thereafter Bank of America was made to settle on these loans they acquired.  I was included in the class action and received several payments including the loans being forgiven. Bank of America forgave the loans.  I received a letter from ReconTrust stating the loan was satisfied which I verified with Bank of America. I didn't have any more contact with Bank of America. Six years later XX/XX/XXXX uses a fraudulent notary document to assign the deed so they can try to foreclose. XX/XX/XXXX is a subsidiary of Bank of America.The notary on the document XX/XX/XXXX is a suspected robo-signer on several websites helping Bank of America to illegally foreclose on home loans. He is currently incarcerated for fraud, and the notary itself does not exist. I have  the certificate of non fact filing from XX/XX/XXXX County Recorder of Deeds. I have written to DC Recorder of Deeds several times and never got a response. I have spoken with several representatives at DC Recorder of Deeds and their position is that if the document is notarized and "looks" legitimate it is accepted. They have stated to me that they do not verify the authenticity of the documents or their validity. I asked would they reverse the filing and was told a resounding No.  I was able to find out that my loan has a blank note endorsement and anyone can just endorse the note and assume ownership and its all legal. How is this happening? How can DC Recorder of Deeds  assign my home valued at over $XXXX to someone else in a transaction for less than $XXXX bucks? How can Bank of America be allowed to use the law perversely and circumvent the foreclosure process for homeowners? How can XXXX XXXX be allowed to commit fraud using a fraudulent notary to assign the deed to my home to themselves so they can foreclose on a home they are not vested in?
Consumer complaint received 2019-08-22
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

There was an unauthorized transaction from my account for {$150.00} back in XXXX of XXXX to XXXX and I submitted Chase Bank a signed declaration stating that it was fraudulent. However Chase Bank after refunding my funds took them back stating that because I was a customer of XXXX that the transaction was authorized. I contacted XXXX and informed them and we had several 3 way conversation with Chase Bank. In fact XX/XX/XXXX XXXX submitted a letter to Chase Bank informing them that the transaction was not credited to any account of mine and it was misapplied. Still with that letter and my sown signed statement Chase Bank has refused to recoup my funds and that has been going on since XX/XX/XXXX and the last communication I had was the resubmitting of the requested documentation XX/XX/XXXX and the last phone call when I was informed that the case was closed back in XXXX of XXXX in spite of the Banks request for more documentation. I have been told by both companies that there is nothing they can do about it each one is blaming the others and telling me their policies.
Consumer complaint received 2019-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

I was using the Cash App, by SQUARE , INC, as an account to separate budgeted money for my wedding in XX/XX/2019. 

In XX/XX/2019, my debit card linked to Cash App was declined. When I went to the app, I was surprised to see my account had been closed, saying I violated their user agreement. I don't know which term ( s ) were violated specifically as I have not had any personal communication from customer service, only generic automated emails that I will describe below. I tried to contact customer service to reopen my account, but was unsuccessful at contacting anyone. There is no phone number to call, only an entry form to send an email to customer service. 

After emailing customer service, I received a generic email response stating my account was closed and to follow instructions to add my bank debit card or account to withdraw my remaining balance. 

I followed the instructions that were sent to me to retrieve my remaining balance. After going through all the steps, at the end, to verify my account, I am redirected to a screen saying that my account is closed and that I need to add a bank account or debit card to withdraw any remaining balance. Adding a debit card manually results in a response saying my account is closed and to contact customer service. Adding a bank account using the bank login and password also results in a screen saying I can't do that because by account is closed and to contact customer service. The third and final option to verify my identity is to scan my debit card. This will also result in a message stating my account is closed and that I need to contact customer service. Each time I contact customer service using the only method provided, I get an automated response with directions described above. I have screenshots of each generic email showing I received their generic response on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With exception to these generic emails with faulty instructions to retrieve my remaining balance of {$220.00}, there has been no attempt by Cash App or SQUARE , INC to contact me to correct the situation.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/2019 I deposited a check that was issued to me by a friend in the amount of $XXXX.  The account was put on hold for suspected fraud. The funds cleared but were still held.  I had the issuer of the check (my friend) speak with the branch and was wondering why they deducted the money from his account but didnt pay who he wrote the  check to(myself). The bank had said that they were going to hold the money no more than 11 days.  It is now almost one month later and they still are not releasing my money.  They informed me that they would be closing my account because there was a bounced check from the same check issuer (my friend). and they decided that was too much negative activity for such a new account. However, they continue to hold on to the money and not send a check like they said they would do.  The account remains open, it has a positive balance of $XXXX.  On XX/XX/2019, however, they did release to me $XXXX because I told them that I was having a problem and needed at least that amount. So again, the account remains open,  i'm unable to spend the money that is in the account and they are just holding onto it.  I told them I needed to pay my rend and pay other bills and that them holding my money was causing many problems for me.  I'm now about to lose my apartment because I'm not able to pay the rent. I have defaulted on my utilities and power is about to be turned off.  I cannot believe they are doing this to me and how is it they are allowed to do this to me?  This must be against some law. The is all happened at the US bank in XXXX, CA  (XXXX Branch).  the address is XXXX XXXX XXXX. XXXX, CA XXXX.  The manager who opened my account and placed the hold on my account is XXXX.  I have asked her to get me in touch with someone who I can resolve this matter with and she tells me that it is all decided from an office that I'm not  allowed to speak with and am just given a number to call.  When I call this number, the end result always is to contact the branch.  So it's this circle Im having to be in and it just keeps going around and around and no one can answer me anything other than :your account will be closed and we  will mail you a check:.  But it never happens and is not happening as the account is still open.
Consumer complaint received 2019-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Today I received an e-mail from Capital One Visa stating that my max credit line was decreased from {$53000.00} to {$30000.00}. The explanation for such dramatic decrease was worded this way : " Recent usage of this account for monthly spend has been too low ''. 

This is my business card and I intentionally keep high credit line to be used when I need to purchase expensive equipment or a large amount of supply. Such needs arose in the past and this prompted me to have a high limit available to provide more flexibility. 
My usual monthly utilization is about 20 % -25 % of the maximum. I have an excellent credit score and has never been late in my payments with any financial institution. 

As soon as received the e-mail, I contacted Capital One and spoke a rep and her supervisor. They expressed no interest in trying to help me reinstate my credit line max. 
" Wait for six months and then ask to increase your limit. Maybe you'll be successful, maybe not ''. 

Now I don't consider it to be even marginally acceptable. This is not how a respectful institution would treat a loyal business customer who maintained an impeccable record, and not only has an active business account, but also used personal credit cards and a sizable saving account with the lender. 

I would like the bank to reinstate the max credit line amount I had before they cut it almost in half without either notifying me or giving me an opportunity to agree or disagree with their decision. I see no reason for them to do what they did.
Consumer complaint received 2019-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is my 3rd complaint regarding a Capital One account that I have repeatedly been told by Corporate Office that all the charges on my account would be investigated. I have NEVER heard back from the Corporate Office via phone like I was promised and I was never given proof of the investigation results and how they came to verify that the charges belonged to me. The Federal Trade Commission clearly states that the creditor must provide " an explanation or written proof of purchase, along with a claimed error or request for clarification. '' I was provided with none of the above. It also states that " The Investigation '' You may withhold payment on the disputed amount ( and related charges ) during the investigation. You must pay any part of the bill not in question, including finance charges on the undisputed amount. 

The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit. 

The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. However, the creditor may report that you are challenging your bill. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the FCBA.  For example, a creditor cant deny you credit just because you've disputed a bill. 

If it turns out that your bill has a mistake, the creditor must explain to you in writing the corrections that will be made to your account. In addition to crediting your account, the creditor must remove all finance charges, late fees, or other charges related to the error. 

If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money.

If the creditor 's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. At this point, you'll owe the disputed amount, plus any finance charges that accumulated while the amount was in dispute. You also may have to pay the minimum amount you missed paying because of the dispute. 

None of the actions above regarding the disputed charges were done by Capital One and it's Corporate Office. I was NEVER provided any proof that these charges were mine or that the charges were in fact being investigated
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC (NC)

XXXX XXXX from the Compas Group has made repeated calls to my phone and to several of my family members in an effort to collect a debt they fraudulently charged to my name. The number she left most recently was XXXX. They have been reported in the past for harassment and were instructed to stop calling my family members in an effort to collect money.
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I Purchased a couch from Ashley 's furniture in XXXX XXXX, FL in XX/XX/2018. In XX/XX/XXXX I complained that I had the wrong couch and and disputed with Synchrony bank, the creditor. 

After fighting with them they agreed to replace the couch and I selected a replacement for the couch. The manager XXXX agreed to this in writing. Since that time ( XX/XX/2018 ) Ashleys furniture has REFUSED to follow through with the agreement to replace the couch. This entire situation could be settled right now, but Ashleys refuses to do the right thing. 

Now dealing with Synchrony is basically impossible. When you dispute they refuse to give a phone number or one that rings endlessly. The refuse to give an email to correspond with anyone about the dispute and to present evidence. They ask you to FAX ( yes, fax ) everything. This is because all a dispute consists of is computers talking to each other. I have show Synchrony Bank the evidence and they refuse to allow me to speak with the disputes center and refuse to come to any resolution. I have faxed information showing everything in my favor and they refuse to listen and now deny ever getting this information. They make it impossible to effectively dispute. 

I have been going at it with them for over a year and a half, and now they are sending negative information to my credit reports. 

This has caused excessive damage and hardship to my life, and I DON'T EVEN OWE THE MONEY.
Consumer complaint received 2019-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (OH)

{$680.00} was taken out of my bank account for a debt that isnt on my credit report and by someone Ive never borrowed from called Asset Acceptance LLC XXXX from a court order dated XX/XX/19. They say I owe {$3900.00} but there is no way I do.
Consumer complaint received 2019-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (DE)

I took out a school loan for {$9000.00} back in XX/XX/1994.I didn't pay it back on time.They then garnished my wages. I went through a good faith program were I paid x amount of money for a year and they lifted the garnishment I been paying faithfully for almost 20 years and now I owe {$33000.00}. I pay XXXX per month now. at the end of this year I will owe more then I owed at the beginning of this year .Something is so wrong with this picture please help me.
Consumer complaint received 2019-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I just reviewed my credit report I was made aware of a collection account which is not mine. 

I have no knowledge of the XXXX XXXX account nor do I have any relationship with this collection agency. 

I will be submitting a police report to the collection agency and the credit bureaus about this fraudulent account. 

In the interim, please send all signed, original, contract agreements as well as complete account number, date account was opened, how it was opened with whom it was opened as well as all other pertinent information regarding this account that appears under my SSN and credit reports. 

In addition, I need information on this unknown collection agency such as their license number, all pertinent dates on this account, headquarters location, presidents ' name and contact info as well as all information that shows that they are legally a collection agency in their perspective state. 

Thank you. 

XXXX XXXX Cc : Attorney XXXX XXXX