davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

Apparently we had a debt with an apartment complex that we were not notified of until it was sent to a collection agency. They called my husband at his place of work harassing him to pay the full amount right that second or our credit would be destroyed and we'd never be able to move into a house or get credit cards, etc. They were very rude and mean. My husband told them that he was at work and would call back later but they said if he hung up that would mean they are going to be taking action against us. I called them back myself asking to set up some kind of payment but they told me I had to pay it all right that second and they would not accept anything else. When I told them I didn't have any money at the moment they said I have to take out a loan or they are going to destroy my credit. We tried one more call to set up payment but they flat out refused and sent the debt off so that it would appear on our credit reports. I have tried to get it taken off but it seems impossible and I don't think it's fair ( or legal ) that they literally would not accept any payment or allow us to resolve the issue instead they used scare tactics and threats.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/19 someone cashed a check at a bank in XXXX XXXX ( Zip code XXXX ) using my ATM number and pin number and forged my signature ( though spelled my middle name wrong ). The check was made out in my name, with a company based in XXXX, CA that I've never heard of. The person went to a bank and cashed the check for the amount of {$2400.00}. I have image of front and back of check with my middle name spelled wrongly. I discovered the fraud on XXXX and reported to Bank of America that day, who froze the account. I submitted a police report on XX/XX/XXXX about the check fraud.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (GA)

I contacted LendingClub on XX/XX/2019 to communicate to them that due to extended unemployment I was unable to make the XXXX payment in the amount of {$720.00}. They said the best they could do was move the payment to XX/XX/2019. They confirmed that autopay ( bank debit ) was stopped and advised me to call back to have the payment date further extended. I called back on XX/XX/2019. They said the best they could do was stop the autopayment. They confirmed the autopayment was suspended. On XX/XX/2019 they debited my bank account anyway.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Re : XXXX XXXX XX/XX/1981 XXXX XXXX XXXX XXXX XXXX, La. XXXX To whom it may concern : I am seeking to validate inaccurate information appearing on my credit report and thereby I am asking this to be updated to show accurately as set by law. 
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA. XXXX Inaccurate information on account status and payment information. Payments not showing for the month of XXXX and XXXX. 
Please investigate my account in addition to the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for conformation of your actions. 
Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 


Cordially
Consumer complaint received 2019-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TX)

This company Eastern Account System is trying to collect {$350.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Eastern Account System with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Eastern Account System. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2019-09-07
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: JPMORGAN CHASE & CO. (NY)

I stopped to refill a rental car at a gas station near XXXX XXXX, XXXX on XXXX XXXX, XXXX. The rental car is a XXXX XXXX XXXX ( XXXX ) with a tank capacity of 12.2 gallons ( contract is attached ). I filled a few liters of gas and the amount was about XXXX MXN peso. The attendant claimed the machine wasn't working and took it away. They then brought it back and said it went through. I did not have a receipt. When I checked my credit card statement, I saw a charge of {$100.00} USD. 

I immediately filed a dispute with my credit card company ( Chase ). The merchant provided a signed receipt that showed someone else 's signature. The signature does not match my signature ( as shown in my attached ID documents ) and I can confirm that this is not my signature. 

Chase dispute resolution transferred my case over to Chase fraud, who accepted it as a fraud case because of a forged signature. After investigating they said it was not a fraud case and needed to go back to disputes. It has been over 4 months of ongoing calls and I have spoken to them many times, and it keeps bouncing between fraud and disputes. No one at Chase is taking ownership of the case and they have said I am liable for this transaction, even though I did not authorize the transaction and the signature is clearly fake.
Consumer complaint received 2019-08-27
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: CITIBANK, N.A. (CA)

This year, I purchased a book through the XXXX company and I used my Citibank Costco to make this purchase.

Then, many months later, my wife 's Citibank Costco Card was stolen and our entire account number was closed and Citibank reissued us a new Citibank credit card. 

Then, sometime after the Citibank credit card was reported stolen and number shut down, the company XXXX XXXX ( XXXX XXXX XXXX, XXXX ) charged my old Citibank credit card and Citibank allowed the transaction to commence, since I had used the Citibank credit card to make a prior transaction on it. Citibank is claiming that the XXXX book purchase is a reoccurring transaction, but this is false and fraudulent information. In fact, I can not remember the last time I charged merchandise with the XXXX company ; other than the one prior this year. XXXX is claiming that I had signed up for a membership. And as such, they charged the Citibank credit card for the same book, for the next year. I have not signed up for any membership and I have not received any book from the XXXX company under this new charge with Citibank credit card on XX/XX/XXXX and two transactions on XX/XX/XXXX, totally {$95.00}. 

I disputed the charge with Citibank credit card, but Citibank claimed the transaction is valid. I HAVE NOT RECEIVED MERCHANDISE FOR THE CHARGE!!! 

CITIBANK SHOULD NOT HAVE ALLOW AN OLD CLOSED ACCOUNT NUMBER TO RECEIVE A FUTURE CHARGE!!! The card was closed and NO transactions under that old account number should have commenced or been accepted by Citibank!!! 

This matter will be fought tooth and nail, even if I have to bring the matter to court!
Consumer complaint received 2019-08-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

Filing a complaint against XXXX XXXX Executive office, XXXX filed a false statement to the CFPB saying that she investigated my claim with a store employee at the store in XXXX XXXX I gave my statement is to what happened giving verbal by an employee, the employee say I came into the store and provided her with my proof that never happened in XX/XX/2019 by her statement says I came in not true I don't believe a investigation was done I think that the company just filed a false report to get rid of me XXXX asked for date and time that I talked with the employee I provided to her by phone then later to say that they don't record the call on a store level by ask about what was said if you can't re view the call another sign of disregarding my concerns and just saying the employee did nothing wrong well for one she  lied about me being in the store XXXX got upset when said the your investigation was false but customer care call are recorded my someone can listen to the conversation we had XXXX read back or conversation and only put mostly what she said and not my answer or concerns
Consumer complaint received 2019-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts are being disputed due to identity theft and for that reason I'll like for the credit reporting agencies to remove these unauthorized accounts immediately. 

Please remove. 

1 ) XXXX XXXX XXXX {$150.00} 2 ) XXXX XXXX  {$550.00}
Consumer complaint received 2019-08-25
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. (SC)

On XX/XX/2019 I sent Equifax a dispute via USPS certified mail regarding three accounts listed on my credit report from XXXX XXXX, XXXX XXXX and XXXX XXXX .I asked Equifax to investigate these alleged accounts and to provide any and all documentation they have showing the accuracy of these accounts and that these accounts belong to me in accordance with section 611 of the FCRA. Equifax replied with a generic response that they " Verified '' these accounts yet failed to produce any documentation showing how they verified them. 

Again on XX/XX/2019 I sent Equifax a letter via USPS certified mail demanding their method of verification for these alleged accounts in accordance with section 611 ( a ) ( 7 ) of the FCRA giving Equifax 15 days as required by Federal law with no response from Equifax within the 15 day period. 

once again on XX/XX/2019 I sent Equifax a letter via certified mail for failure to respond in the 15 day period as well as failure to verify the alleged accounts. It was not until XX/XX/2019 that i received yet another generic letter bearing no account level documentation or any other method of verification stating that they " verified '' these accounts. 
It is clear to me that Equifax has failed to conduct any kind of investigation into this matter other than parroting information, also XXXX is not an acceptable means of investigation and as a consumer I entitled under the FCRA to a fair investigation. 

Equifax is now in violation of section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) for failure to provide me any copies of an original documents or consumer contract bearing my signature.Equifax is also in clear violation of Section 611 ( a ) ( 7 ) for failure to provide method of verification as well as federal law for failure to respond in 15 days.

Under the FCRA Equifax can be sued for {$1000.00} per violation of and will also be responsible for court costs and damages. 
Please see the information i have uploaded as proof of my claim
Consumer complaint received 2022-02-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-08-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION (AZ)

XXXX, 2019, Mortgage servicer sent letter declaring that it had unilaterally raised servicing fees by 30 % and that such change would take effect beginning with XX/XX/XXXX payment. Payment in full, including extra servicing fees, timely paid by borrower ( me ) both for XXXX and XXXX. XX/XX/2019, qualified written request letter under Section 6 of RESPA sent to servicer via U.S. Mail. More than 20 business days have transpired without written acknowledgment of my request as required under RESPA.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However Trans Union is still reporting it on my credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Ive been a victim of identity theft for several years now and I am currently taking the corrective steps to resolve the issue. There are over 17 plus inquiries that have been weighing down my credit, they were all dated between XXXX and XXXX and have been negatively effecting my credit score and reporting.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

I tried tonight Monday XX/XX/2019 since XXXX XXXX ( ET ) to experian customer support number XXXX and put all information they ask before talk to live agent but unable to reached, then I tried XXXX and put all information over the phone SSn, Birthdate, numeric street number but again no option for live agent, then i tried another number XXXX and same thing before put all the information but same outcome as before, then I tried another number XXXX no answer then I tried another number XXXX and put all information but unable to contact live representative. their customer service information according to there website I got this message : We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX  PT Sat - Sun : XXXX XXXX to XXXX XXXX  PT   According to Pacific time right now XXXX XXXX ( PT ) and My time is XXXX ( ET ) why live representative not available and no option to speak representative any their phone number, I reset my passward and user ID but can not log in their member website so i can order there products.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-10-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (OH)

After.SLS LLC recieved final payment and processed they continued to charge fees and interest and are still charging and have added additional fees I Was assured in 2 seperate calls these late fees and interest were taken care of and taken off but could not produce an email or letter stating so to me till end of month which was XX/XX/XXXX. Now have recieved closing statement with additional interest and late fees attached. This looks like an ongoing issue with this company. I also filed with XXXX I Did send final requested payment in money order ( banks were closed to get certified check ) along with all conflicting documents and proof they processed payment on time. Trying to close out loan without negative repercussions on credit etc. due to their negligence. But honestly do not owe these fees, and have submitted all documentation of whom spoken to etc to company. Want others to beware of this company and read all negative views online. My understanding from paper work this is a subsidiary company of XXXX XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX is reporting my auto loan that was never late and paid off in full as " inc in bankruptcy '' to Trans Union. This account was NEVER included in the bk that was discharged in 2006. I re-affirmed my vehicle choosing NOT to include in the bk.