davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

My mortgage was purchased by Freedom Mortgage mid XXXX, which began servicing my loan in XX/XX/XXXX. Then in XXXX XXXX XXXXXXXX Freedom, Mortgage began billing the entire yearly amount charged for my loan 's mortgage insurance every month... So suddenly, I'm paying {$4200.00} per year for PMI, compared to around {$350.00} per year for the 3 previous years on a {$130000.00} loan. Clearly a clerical error was made, and the first person I talked with at Freedom Mortgage 's escrow department researched the situation, and agreed with me wholeheartedly. She even went as far as to decrease my mortgage payment ( which had increased by around {$400.00} per month due to the error ) by the max allowed for her while they " addressed my concerns. '' Well, I never got any response, and when I called back no one had any idea there was a problem. This went on for the first 3 months of XXXX, with me eventually requesting some sort of response each time, and still, nothing. At this point I have had no less than 10 conversations with Freedom Mortgage regarding this, and have been promised a response 4 times and never received one. Additionally, I am currently in process to terminate PMI on this loan, an while I am over 22 % on the original LTV, Freedom Mortgage still required I pay the {$100.00} fee to consider termination, which as I understand, shouldn't be required. Furthermore, I have repeatedly requested Freedom Mortgage to contact me via email, as I live in a location where cellular service is questionable at best. I even went so far as to include a formal written request to be contacted only by email, with my PMI termination request, which they commented on in my XXXX XXXXomplaint, but ignored completely during the process. To this date, I still have not been contacted once via email by Freedom Mortgage, other than a daily message about their next scam product. I have made repeated requests for this to be looked into, and Freedom Mortgage has made no attempts to address my complaints and has been unable to provide me with any proof that the amount they are charging is actually being paid out. Currently I am owed around {$2000.00} by Freedom Mortgage, and at this point have little recourse but to hire a lawyer, as I can not even get useful communication from this business. Unfortunately, the majority of my interactions with Freedom Mortgage 's employees, like the email request situation, lead me to believe very few, if any of them are actually competent enough for the job they are attempting to do.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (MN)

I am having issues opening up a Citibank Checking and Savings Account online. I had a previous checking account with Citibank in XXXX and the checking account was closed with a negative balance. The balance and debt I owed to Citibank was discharged in bankruptcy court under Chapter XXXX on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. Citibank is discriminating against me and not allowing me to apply for credit or open up a checking account due to my previous checking account with CitiBank, which the debt was discharged in bankruptcy court. Citibank is also discriminating against me due to my race, me being XXXX XXXX ( XXXX ). Citibank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I deserve a second chance checking account with Citibank. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2022-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

I was a victim of a XXXX scam in which an individual posing as a Wells Fargo Fraud Claim specialist induced me into sending money to myself through XXXX, in which scammers steal the money during the recirculation process. 

I filed a claim with Wells Fargo, but they denied it. Under Regulation E, Im subject to reimbursement by Wells Fargo but theyre refusing to do so.
Consumer complaint received 2021-01-17
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Recovery Services, Inc. (SC)

This company continues to call for a debt I have no knowledge of, nor is valid. I advised several very aggressive phone collectors to send me a letter stating specifically what is owed and who the original creditor is and validation of this alleged debt. They state they don't send letters and several just hung up. They also asked me to confirm my information, and try to verify the last four digits of my social security number and date of birth. Any attempt to collect a debt without validating it violates the FDCPA. 

This company has repeatedly sent mail communications indicating that they are acting on a date for another creditor threatening that it may be placed with a law firm. 

Further, this company does not have permission to contact me, they don't have my permission to have any information I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question. 

Regardless of whether or not you properly validate this debt, all communications concerning this alleged debt shall forever cease and should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).
Consumer complaint received 2021-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (HI)

XXXX : Navy Federal Credit Union . I am expecting a large deposit in a specific account and I can see on my app and online the accounts were already opened. Im supposed to give permission to set them up. I am worried this hacker scam artist whatever he is set it up to get the money before I can.
Consumer complaint received 2020-10-27
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. (OH)

This is account is inaccurate and incomplete information is reported differently on Experian, XXXX and XXXX. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.
Consumer complaint received 2021-01-17
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. (OK)

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and originally belonged to a corporation with no personal guarantee, so I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or wet-ink signature for this debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. Further, any member of a corporation could sign for a bill owed by the corporation but that does not make the signer personally liable for the company 's debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported this derogatory mark to credit bureaus without verification and I disputed the alleged debt through Experian on XX/XX/2021, the same day the alleged debt was reported. The dispute was closed by Experian on XX/XX/2021 with the following comment, " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' Again, no discovery or verification of the alleged debt took place. It is possible that I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during which the collection agent attempted to elicit information from me regarding the alleged debt without first stating that the purpose of the call was an attempt to collect a debt. It is also possible that consent was not obtained from me prior to recording the call as I may have taken the call in the privacy of my home. There are multiple complaints filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the CFPB Consumer Complaints Database and with the XXXX XXXX XXXX The negative mark has caused a significant drop in my credit score. I'm worried that this false reporting and failure by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian to validate the debt before reporting the negative mark will adversely impact by ability to pass a background credit check as part of the onboarding process I am going through to secure employment during the COVID-19 pandemic. According to FCRA and FDCPA, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (AZ)

I am a victim of the Wells fargo scam many years ago. When the unauthorized accounts were open in mu name. I have gotten a part of the settlement but my credit score has/is being impacted by this. I had paid the account in order to purchased a home but I need this fraudulent closed account removed from my credit report. I shouldn't continue to be impacted by Wells Fargo any more.
Consumer complaint received 2020-10-27
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bridgecrest Acceptance Corporation (DC)

I am a federally protected consumer and I sent Bridgecrest a cease and desist that was received on XX/XX/2020. This is a violation of 15USC1692g ( B ). The letter that was sent to me by Bridgecrest had threatening language in it that has caused stress to myself and my family.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am having issues opening up a Capital One Bank 360 Checking Account. Capital One Bank is discriminating against me deny me credit and an opportunity to open up a checking account due to a previous Capital One Bank 360 Checking Account that was discharged in bankruptcy court under Chapter XXXX. Capital One Bank is also discriminating against me because of my race, me being XXXX American ( XXXX ). Capital One Bank is in violation of of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (AL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

No information given regarding account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-01-17
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: National Credit Adjusters, LLC (GA)

Since XX/XX/XXXX, I have been in communication with National Credit Adjusters a collection agency that bought a debt from XXXX XXXX. 


On XX/XX/XXXX, NATIONAL CREDIT ADJUSTERS, has failed numerous times in providing me a copy of my legal signature where I owe them {$3000.00} .The original creditor is not NCA it is XXXX XXXX . I reported the information with copies of the back and forth communication and certified letters to XXXX showing NCA refused to show my original signature but NCA has still certified to XXXX that the information is accurate. XXXX still allowed NCA to certify that it was my account despite documentation proving that it is not. This item was not changed as a result of our processing of my dispute. Neither XXXX nor National Credit Adjusters have provided me proof of the loan documents bearing my signature.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MN)

I am having an issues opening a checking account with Chase Bank. I have never opened a checking account with Chase Bank. Chase Bank is discriminating against me because of a previous bankruptcy from XXXX XXXX. Chase Bank is discriminating against me because of my race, me being XXXX XXXX XXXX XXXX ). Chase Bank is denying me credit and an opportunity to reestablish my credit. Chase Bank is in violation of the 1974 Equal Credit Opportunity Act. ( ECOA ). Full Name : XXXX XXXX XXXX, XXXX :XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2020-10-08
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. (NY)

The accounts listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/2021 a direct deposit of {$71.00} entered my account, also on XX/XX/2021 {$69.00} was withdrawn from same account with no details. Im not sure how or who withdrew it Or why. So if you guys could let me know what happened and reimburse my account i would greatly appreciate it.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (FL)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2021-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2021-01-17
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. (CA)

Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me XXXX XXXX Phone : XXXX Email : XXXX XXXX ID XXXX XXXX File ID : XXXX