davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to dispute the presence of a collection account by Caine and Weiner on my credit report, as I have never entered into any contract or agreement with this company. 

I have thoroughly reviewed my credit report and found this entry to be incorrect. I am concerned about the accuracy of this reporting, as I have no knowledge or association with any transactions or obligations to XXXXXXXX XXXX XXXXXXXX. There is absolutely no agreement or contract between us, and therefore, I believe this account has been wrongly attributed to me. 

Under the Fair Credit Reporting Act ( FCRA ), I request your assistance in investigating this matter and ensuring that this incorrect information is promptly removed from my credit report. 

Thank you for your attention to this matter. I would appreciate confirmation of the removal of this unauthorized account from my credit report at your earliest convenience. Please feel free to contact me using the information provided above should you need any additional details.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

This account contains erroneous information on my credit report across XXXX Credit Bureaus, being XXXX and XXXX. The named account reports inaccurate information within XXXX bureaus that is completely different. The multiple inaccuracies such as payment history, balance owed and other factors reporting are completely against my rights under the FCRA. For that reason XXXX has removed this account from their reporting Bureau. I have sent XXXX a letter regarding this matter and it has not been resolved. It has now passed the 30 day time period making XXXX late to respond to my correspondence in writing. This is a clear violation of the FCRA.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (PA)

When I had checked my credit report for an apartment on XX/XX/XXXX, I had noticed a Citi Bank XXXX XXXX card that I had never opened on the report. It was already charged off by the time I had seen it, and was opened in XX/XX/XXXX with a balance of XXXX. I have tried many times to reach out to Citi Bank but they couldn't help me as the account was already closed. I had finally been reached out to by XXXX XXXX XXXX in XX/XX/XXXX, where I had informed them that the card was fraudulent, and they said they would have Citi Bank mark it as fraud. I also filed a police report that same day. 

I have tried to call Citi Bank on several different days since then to get the status of the fraud investigation or written confirmation that it is fraud and I am constantly moved around agents who tell me that it is another department that can help me, just for the next agent to say the same. I want a closure to the account and it removed from my credit report from all XXXX bureaus as promptly as possible, so this doesn't hold me back financially any longer. 

Date fraud began : XX/XX/XXXX Date I discovered it : XX/XX/XXXX Total fraudulent amount : {$2900.00} In a text document below I will list the XXXX XXXX XXXX case number ( may be unnecessary as it's been moved to Citi Bank now ) and the police report number I filed.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP (FL)

I was summoned by a third party attorney to court on alleged XXXX debt. Since I have no contract with XXXX or debt owed, I assume that XXXX XXXX XXXX has stolen my identity.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WA)

I recently applied for auto insurance through XXXX. I paid my policy premium amount. Due to vandalism, I took out a claim to have my windshield and rear driver glass repaired. My coverage on the policy I ourchased has a {$0.00} deductible. Yet I received a letter stating that even though I've already paid my 6 month premium, according to LexiusNexus do to XXXX credit I do not qualify for the lowest comprehensive deductible, even though I have already paid for XXXX month premium coverage. 

In addition I have signed opt out documents to opt out of any reporting and they refuse to honor the signed request. They absolutely received the form notice and refuse to. Lexius Nexius has caused many problems in my life due to misuse of a report, or using non verified public information that is fast out wrong. They also known this and refuse to adjust or clear my credit file. 

In addition like LexisNexis, XXXX refuses to publish accurate or updated information. Again I state that despite numerous attempts to clear, correct adjust, or remove all of the inaccurate public information attached to my consumer reports has made my life less than and my quality of life suffers because of wrong, and erroneously reported information. Question, How do I not generate a score yet have such a delinquent and derogatory credit file, I have NEVER been approved for any credit type never, a credit card or a loan. 
I have less than XXXX in total debt and I'm XXXX XXXX XXXX and I have to many outstanding collections. XXXX  show only XXXX vendors that I owe and XXXX of them is also wrong information.
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing a public record on my credit report for the last 3 years. This credit bureau keeps advising it was verified as accurate despite being provided supporting documentation that is it NOT and is refusing to remove it from my consumer file. 

Today I spoke with an employee who identified himself as XXXX XXXX advised that they are in receipt of the documents however they dont know the reason why the public record has been removed from XXXX XXXX therefore they are unable to remove it. 

The document provided by XXXX states thats it was unverifiable and therefore removed from their files. Moreover XXXX requested the credit bureau directly to remove the erroneous public record and it is still there. 

XXXX, the supervisor of the credit dispute team, told me that they do not have the ability to delete anything from a credit report nor they can provide me with the documentation that was allegedly provided to them verifying this information. Moreover, XXXX advised that the credit bureau contacts the creditor, in this case that would be the XXXX XXXX XXXX - XXXX XXXX Illinois to verify public records. The XXXX XXXX XXXX XXXX XXXX Illinois provided me with documentation to provide to XXXX that is DOES NOT verify public records. 

This is an illegal practice and defeats the purpose of a credit dispute. If a consumers provides supporting documentation for any dispute and it still remains there should NOT be an option to dispute to begin with, if they are not going to honor any supporting documentation.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit has been calling my husbands personal cell phone number for accounts that do not belong to him and giving him detailed acount information and making legal threats towards me unless he pays??!!?? I called Midland the first time they did this and demanded they immediately cease and desist. I reminded them they violated my account privacy when they shared details about those accounts with someone who isnt on the account. I also told them I didnt take kindly to the indirect threats. And today they did it AGAIN! My husband and I are livid! I contacted Midland, again, to demand they stop. Can someone help me? This is clearly abuse!
Consumer complaint received 2023-10-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Statebridge Company (PA)

I have not received monthly statements on my open-end mortgage/HELOC that is currently being serviced by Statebridge since XXXX of XXXX. On XX/XX/XXXX, I requested a copy of the Note via a request for information. The Note was not provided in the company 's response. 

There was a delinquency on the account but, in XXXX of XXXX, my loan was reinstated via PAHAF funds. The good-through date on the reinstatement was XX/XX/XXXX. As of that date, I began calling Statebridge, the servicer, to request monthly statements and to request the ongoing amount owed and the date that I would need to make payments. On XX/XX/XXXX, I was informed by a representative named XXXX in the loss mitigation department that there is a cease and desist status associated with my account and that I needed to follow up with a representative named XXXX. As an aside, I have probably called Statebridge 15x in the past year and have always been referred to XXXX and have only been able reach him one time. Since the XX/XX/XXXX call, I have tried to follow up with him numerous times and received no response. I was told that my ongoing P & I payment is $ XXXX, but I do not know the interest rate, as I have never been given the Note. I asked for a copy of the Note again via Request for Information sent on XX/XX/XXXX and have not yet received a response. In that same RFI/NOE, I requested to receive monthly statements, as there will be no way for me to keep track of the loan without the Note and the statements.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MA)

This company violated the TCPA, and was placed on notice. The company failed to validate the debt, and made no further contact following being put on notice for their violations. Their failure to validate the debt not bars them from recovery and the legal right to report derogatory information, or any information regarding the a debt they have failed to validate. In XXXX of XXXX I was contacted by their attorney XXXX XXXX, at which time I provided him copies of all transmittal 's sent to his client, Discover Credit card, and demanded that they either remove themselves from my trade lines, or sue me for their claimed losses, at which time I would counter-claim and seek damages for their violation 's under the TCPA. 

I Demand that this creditor be removed from my trade lines immediately and subject to any sanctions or fines that they might be subject to for their violations under the fair credit collections act, and the TCPA.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/XXXX, after a {$10000.00} XXXX  charge, I took out a {$10000.00} loan, which if I paid the total amount owed in 24 months would not be subject to any interest. It turns out that the balance of said loan was {$1200.00} at the end of 24 months. We did not receive any type of communication besides the statement until on XX/XX/XXXX a statement arrived that the interest is now {$5000.00}. The entity in question is CareCredit, and after speaking with them, since we consider it an abusive charge for the balance we had, they told us that the grace period had expired and that the system would not allow them to make any changes. Supervisor XXXX attended to us and did not accept our proposal to immediately pay what was owed and apply the interest on the balance. We told them that we would take legal action and that we considered it an abusive and harmful charge against an American citizen. If you need information about account numbers and other related information, we will gladly provide it to you.
Consumer complaint received 2024-10-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc. (TX)

in XXXX of XXXX I refinanced an FHA loan with Home Point Financial. The loan was sold to Mr. Cooper serviced by XXXX XXXX which was sold this year to Mr. Cooper. It was discovered that the first refinance was to a loan that was not mine. XXXX reveals I refinanced a XXXX XXXX loan in which I actually refinanced a FHA loan. I refinanced for a conventional loan, but informed I had refinanced from a XXXX XXXX loan to a refinanced XXXX XXXX loan. Mr. Cooper is informing me of payments not taken from my bank account, but credited to my loan. I have stopped all autopayments but will continue to ensure all payments remain paid. I have notices about escrow for taxes in which I am exempt, but Mr. Cooper denies sending any such notices. They additionally deny sending demands for insurance proof which has been done several times. I am Tax exempt due to VA XXXX rating of 100 %. This too was an issue with XXXX XXXX and XXXX since XXXX. HUD reporting from XXXX showing an actual loan that is NOT a loan. Confusing a loan with my address and providing incorrect information. This led to the refinancing of the incorrect loan overall by Home Point.
Consumer complaint received 2024-10-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NC)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HA VE V ALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperatio
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (CA)

I submitted this affidavit to address an error I encountered with Chime involving a transaction on XX/XX/year>. I intended to send {$230.00} to clear a debt, but due to a mistake when entering the recipients phone number, the funds were sent to an unknown individual. I immediately recognized the error and contacted Chime to stop the transaction, as the money was crucial for covering medical expenses related to my ongoing XXXX treatment. Chime opened a dispute and informed me that the process would take 10-15 days. I followed up daily, explaining my urgent financial and medical situation, but two days later, Chime denied my dispute, stating that no error had occurred, without providing any additional evidence. 

This situation has exacerbated my financial difficulties, as I rely on assistance programs and work part-time. The funds were essential for my medical needs, and the lack of resolution has caused significant stress. I also pointed out that Chime was recently fined {$2.00} XXXX by state regulators for failing to properly handle customer complaints, indicating a broader issue with their service. After waiting nearly a month for a resolution, Chime denied my rebuttal without offering any further explanation or evidence.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (OK)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (PA)

On XX/XX/year>, I received an alert indicating that someone applied for a credit card with CB INDIGO in my name. I immediately attempted to contact CB INDIGO, but they were closed. I have since filed a complaint and submitted an FTC Identity Theft Report. Please remove this inquiry from my record, as I did not apply for a CB INDIGO credit card and this application is not mine. Thank you for your attention to this matter.
Consumer complaint received 2024-09-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: U.S. BANCORP (LA)

On Tuesday XXXX XXXX XXXX with Quick track asset XXXX came to my home at around XXXX XXXX to pick up a XXXX XXXX XXXX XXXX XXXX I did not answer door I did not hear him at the door so he took the camper without me signing a voluntary surrender form Which is required for travel trailers in Louisiana. When contacted he came back after XXXX. without the travel trailer asking me to sign a voluntary form I refused because I did not know the condition after he left with it and pulled it to XXXX. This travel trailer should not have been self helped in XXXX. I am aware of this because I am also an agent at XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (WA)

Today, I tried to sign up for a free Credit Karma account. I put in my email address and password, and other identifying information. I received a message that further verification is needed. I requested a call to my landline. The call never came. I requested again. The call never came. So then I requested to submit identifying documents. The site told me to go to the documents page and enter a code. I went to the documents page, but there was no place to enter the code. I received an email that told me I could enter my account, but when I tried I received error messages. I can't contact the help desk because there isn't a phone number. In order to contact the help desk, I have to be able to log into my account, which I can not do because the call never came and the documents requesting page doesn't work. I even entered my whole social security number at one point, but I received an error message again.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

i opened a personal checking account with CITIBANK on XX/XX/year> and had a huge amount deposited into it soon by direct ach wire however the bank for reasons still unknown, summarily froze my account and informed me on XX/XX/XXXX that my account is closed and i CAN NOT get cash or transfer any of my own money despite imploring that i need funds for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX XXXX XXXX  and During XX/XX/year> I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after which have been permanently XXXX and living on XXXX XXXX