davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

Frauding scams using XXXX XXXX  Hospital of  XXXX XXXX Indiana of XXXX county Indiana frauding scams frauding my documents of serial numbered documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX all from XXXX county Indiana Then others frauded my documents of my brother documents of XXXX Hospital of XXXX  XXXX Indiana of XXXX county Indiana of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Others frauded my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX Hospital Others frauded my documents using my immazation record XXXX  XXXX XXXX XXXX county Indiana Others frauded my FBI registrations of my XXXX XXXX  career and also frauded scams using XXXX elementary School of XXXX XXXX Indiana of my documents as XXXX XXXX and business Others frauded my documents of XXXX high school as XXXX XXXX in my states Fraud scams using business permits and products and retailers store 's and semi trucks companies and CDLs and resterants franchises using Cole slaw and auto stores frauding scams using XXXX  and then frauding scams using My grandma documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frauding scams using using XXXX XXXX XXXX married to XXXX XXXX all decest  closed out social security files Others frauded XXXX XXXX married to XXXX XXXX XXXX of XXXX county Indiana and XXXX XXXX of North Carolina
Consumer complaint received 2018-05-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2018 Wells Fargo and all assignees XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Responding to Wells Fargo answers from previous complaints Please be advised that the financial institutions answers does not change all or any of the original complaints against them nor the facts attached in relation to same. 

A ) The answers delegated and projected by Wells Fargo are evasive thou well intended Yet they do not in any way represent any solutions or remedy to existing problems generated and caused by them. 

B ) Wells Fargo does not offer or provide any decent solutions by showing and demonstrating their intent and contention of replies. 

c ) The more I see their documents the more I see corruption, the more I see their response the more I know the purposes of my complaints. 

D ) Wells Fargo you may deny the truth but the truth will not deny you E ) all and every complaint used against you did not come into existence because you did something right it actually proves you are still doing something wrong. 

F ) There is no word to accurately describe all of the fraudulent corruption you have practiced both passively and actively in your involvement and practices but rest assured its for certain Wells Fargo your day of correction and constant abuse is coming to an end sooner than you think, your biggest investors will testify against you perhaps that will refresh your memory, and the restitution you owe is greater than all of your investments combined. 


The foregoing is in direct reply to Wells Fargos answer in my mind its considered dejected and without merit. 


Sincerely : XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I need to reiterate that this complaint is not something you should just ignore. My credit report has accounts that are not 100 % assured to be of accuracy. These are affecting my credit standing and has negatively affected me and are weighing on me big time.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

I applied for a Hawaiian Airlines Credit Card and was approved, after receiving my card I tried to place an order for XXXX XXXX and was declined, I was declined upwards of 9 times. I called Barclay Bank who manages the credit card claims that it is XXXX XXXX that is declining the purchase. 
I then tried to place another purchase from a company in XXXX. I was declined 4 times, again the claim is that it is the merchant. I then used my XXXX XXXX card to place the purchase and it went through. 
Customer service has placed that I make purchases from XXXX, XXXX, XXXX and that I was still declined. 
This abuse of power has to stop. PERIOD. There is nothing wrong with these transactions, I'm making them and I'm being prevented from making orders.
Consumer complaint received 2018-03-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have received several forbearances on my loan while being unemployed, and the interest has compounded unfairly on my principal balance. My payments have been so low, I have unknowingly increased my loan balance significantly.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

I have filed around XXXX disputes with equifax trying to get everything updated. They had my birthdate wrong ; that is finally corrected, they did n't have my employer listed- that is finally corrected. They do n't show any of my history of payments. I am uploading to you what I have already uploaded to them. They have my other names listed but they have tried to run my social to update my records to show my credit history. What do I need to do to have this done. XXXX is reporting everything for me.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you certified mail. 

Regards
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (OH)

My application # XXXX from XX/XX/2018 for XXXX Credit card administered by the Barclay Bank Delaware was denied with no clear explanation. The general reason was stated as such : " The previous CC account that you held with Barklays Bank experienced charge off, bankruptcy, severe delinquency, or other negative performance ''. 

I do not recall having any of the above issue with previously owned Barclay CXXXX, which I had several years ago. I believe this denial based on age discrimination, I am XXXX XXXX XXXX and just retired last XX/XX/XXXXr.
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Modern Adjustment Bureau (CA)

Case opened XX/XX/2015. 
Modern adjustment bereu. 
They are collecting for XXXX XXXX. 
For {$2200.00}. 
I have called XXXX and asked about this collection. 
They told me that i have lived at their apartment as a sub leaser. 
XXXX girl was the leaser and i sub leased from her. First of all i never lived there and why am i getting charged if im not the leaser. I really dont get it. This is not me and they should put that XXXX girl on collection. Please dispute this case asap. Thanks
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Apelles, LLC (CA)

My family has been harassed by Appelles debt collection disclosing personal information to family and friends both through message and phone conversation. I have copies of messages left by these harasser 's threatening to sue me on my family member 's voice mail. They also disclose an amount and what it's regarding. They are attempting to tarnish my reputation among my family and friends. I will like your help in stopping this activity. 

Best Regards, XXXX XXXX
Consumer complaint received 2017-12-06
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: EQUIFAX, INC. (PA)

Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with XXXXXXXX XXXX XXXX XXXX that is in collections and showing up on my report.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

I became a customer of Synchrony Bank when I purchased my furnace. I was offered a 24 month interest free credit card which expired on XXXX/XXXX/XXXX. I have never used the card for anything other than the initial purchase. It was always my intention of paying this account in full by the expiration date. 

At the request of Synchrony Bank I signed up for electronic statements. On Thursday, XXXX XXXX, XXXX, I noticed my balance was much higher than what I recalled owing on the account. After further review I realized I was past due on paying off my promotional balance. I had this account setup to pay through my bank and did not review the statement showing the balance was due on XXXX XXXX, XXXX to avoid the additional interest. On the monthly e-mails from Synchrony, it was not evident that my promotional period was expiring. 

It was an oversight on my part and I have since switched to paper statements to avoid this type of error in the future. It was always my intention to pay this account in during the promotional period. It was not readily apparent to me that the full balance was due on XXXX XXXX. If I had been aware that the full balance was due on XXXX XXXX, this account would have been paid off then. 

I wrote to Synchrony requesting that the deferred interest that was charged, {$2500.00}, be waived. I enclosed a check for {$3300.00}, which represents the promotional balance that was outstanding ( which they cashed ). I am currently in good standing with Synchrony with this account as well as other accounts I have had with GE Capital/Synchrony. I  am very conscientious about paying my bills on time which is reflected in my excellent credit history. 

I also feel the interest charged of 29.99 % is exorbitant. 

Synchrony denied my request. 

Thank you, XXXX XXXX
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (SC)

My XXXX credit Report still shows a Negative Pay Closed account with a balance of {$0.00}. It says the name of the account is Enhanced Recovery Company and it says that the account was a collection/charge off. I've contacted this company at least 3 times and they have refused to remove this from my credit. Please help me.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (AZ)

Complaint XXXX Company responded Status Company responded on XXXX/2017Response TypeClosed with explanation Company 's Response Upon receiving your correspondence, we immeidately reached out to XXXX XXXX, Default Executive Response Specialist for assistance. XXXX XXXX attempted to reach you several times without success ; therefore, we are closing our case. 

THIS IS TYPICAL Citi answer I have called the phone number of XXXX XXXX my time and the office was closed ... Ive sent a number of emails NONE have been answered
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, XXXX continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on XXXX 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from XXXX in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.
Consumer complaint received 2018-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I receive direct deposit funds into my checking account on the third of each month. I receive a check from SSA for my XXXX, of {$920.00} and another for {$540.00} from survivor widow social security supplement. When the 3rd lands on a weekend or holiday i receive payment on the XXXX. I bank with US Bank since XXXX of last year. When i went to withdraw funds from my branch last Friday on XX/XX/XXXX i was told that my funds were on hold. And that the bank notified me by mail. That they were closing my account as of XX/XX/XXXX. But i never received this notice and my account continued to be active. As a matter of fact. Its still active but has a hold on my account funds. The branch employees have tried numerous times to reach the " deposit dept. '' And so have i to get my funds released and to discuss why they closed my account. I can not reach anyone regarding this matter. Iam on a fixed income. I pay my car insurance, my storage, phone bills, and room rental. And im about to lose it all because i dont have the money to pay for these necessities due to the bank not releasing my money. As a matter of fact. No one knows exactly where the money is or whos holding or why. Im at my wits end. And im desperate. I have XX/XX/XXXXXXXX and i wonder if thats why they are doing this to me.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (SC)

On XX/XX/XXXX, I contacted Statebridge Company customer service to request the force-placed insurance they incorrectly put on my mortgage be removed and a refund made for all premiums paid for the force-placed insurance. Statebridge Company did not honor my request, and during the course of making multiple follow up calls to resolve the matter, I was given the runaround as to customer service claiming they did not receive requested documents, asking for the same documents multiple times, continually adding requirements to process my request, making claims they knew nothing about previous calls, etc. On XX/XX/XXXX I sent a letter to Statebridge Company via certified mail demanding their compliance with CFPB 1024.37 paragraphs 37 ( g ) ( 1 ) and 37 ( g ) ( 2 ) to have the insurance canceled and a refund made to me within 15 days. Statebridge Company received this letter on XX/XX/XXXX and subsequently canceled the force-placed insurance as indicated in a letter I received from them dated XX/XX/XXXX. However as of XX/XX/XXXX, Statebridge Company has not issued a refund and multiple follow up calls had resulted in getting more of the same runaround -- receiving conflicting information, being passed from department to department, adding requirements to process the refund, etc. Statebridge Company is not in compliance with CFPB 1024.37 paragraphs 37 ( g ) ( 1 ) and 37 ( g ) ( 2 )  and must act immediately to process my refund to comply with CFPB obligations. If their compliance requires CFPB intervention, any assistance would be greatly appreciated. Statebridge Company is located in XXXX, Colo. Their NMLS ID no. is XXXX.
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

Good Morning XXXX XXXX and Gentleman : For the first time in my XXXX years of life I have had to file FTC complaints for the three subjects noted above which have each occurred to me in the past 2 weeks. The FTC File numbers are as follows : Identify Theft : XXXX - Unauthorized Debit Card usage by an unknown party in XXXX XXXX, CA. and investigated ( concluded to my satisfaction by XXXX XXXX XXXX ). 

Internet Wi-Fi Scam and Phishing : XXXX - Wi-Fi lock-up of 3 personal laptop computers through our XXXX XXXX ( they are without fault as the line is password secured ) and a phone number to contact on the screen ( internet access denied ). I called and they claimed they were not XXXX but were an affiliate with XXXX certified technicians. I have informed XXXX of same. They wanted {$990.00} to free up the internet service. Company name ( probably bogus ) was XXXX XXXX. Collection of funds company name XXXX. This saga continues as they have utilized various means via e-mail, phone and using XXXX  messaging with subsequent phone scam, to get me to use the word " YES '', I have not! The most recent contact was yesterday afternoon ( XXXX related phone scam ) at XXXX XXXX CST. I have informed XXXX and closed my account. Unfortunately, any one of 280+ connections I had on XXXX are subject to compromise. One of them was XXXX Senator XXXX XXXX ( I 've know him personally for over 30 years ), and many other wealthy and influential people have been exposed. I expect more problems from these scammers today and beyond. My XXXX Profile identified me as the Founder & President ( CEO ) of XXXX XXXX XXXX XXXX. and Author & Publisher of " XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. 

Unfair and Deceitful Business Practices : XXXX - XXXX XXXX XXXX , XXXX. - Details unimportant but they have used phone and e-mail to communicate with me committing to refund monies to resolve dispute and no refunds have been issued nor do I anticipate that they will. 

I have printed documents involving each of these 3 events and can forward them to the appropriate party ( ies ) at your direction. I will allow the FTC to do their due diligence and arrive at their conclusion on each case. I did contact the FTC by phone once to provide additional information on the Scam and Phishing complaint and was very disappointed by the lack of interest expressed by the FTC call center staff. I will continue to ward off future attempts by the scammers to gain financial or personal/professional information from me. 

I greatly appreciate your time, attention and future suggestions. Thank you. 

XXXX XXXX Founder & President XXXX XXXX XXXX, XXXX. XXXX Author and Publisher Senior Citizen & Taxpayer ( XXXX ) XXXX
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX 2017, Lien Notices are required to be removed from Personal Credit Reports.The change by XXXX, XXXX and TransUnion which took effect XX/XX/XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked XXXX, Transunion and XXXX, to remove these notations -- from my Credit reports -- theses notations are still there.
Consumer complaint received 2018-02-08
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: EQUIFAX, INC. (FL)

XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. Equifax failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line stating "repossession",  my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.