davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I am currently leasing a XXXX  XXXX XXXX XXXX  and paid extra for an upgraded premium XXXX surround sound. The premium sound system has not worked since the lease of the vehicle and has been an open ticket with no resolution and is effecting the value of my vehicle. I am expected to continue to make my monthly payments while not receiving the product I paid for. It has been 9 months with no resolution to fix the problem and no resolution on being put into another vehicle. I have contacted XXXX XXXX and get the run around as well as The XXXX XXXX with unsatisfactory results.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In XXXX I have been a victim of Identity theft due the Equifax Data Breech. 

XX/XX/XXXX - Dispute date with Equifax XX/XX/XXXX XXXX Dispute date with Equifax XX/XX/XXXX XXXX Dispute date with Equifax XX/XX/XXXX - Dispute date with Equifax XX/XX/XXXX - Dispute date with Equifax Are all dispute dates that I have been dealing with Equifax because of their error.

I humble myself to simply say these were the disputes due to the accounts open on my credit profile .... 

Because there are many accounts I will simply upload the documents I have submitted to them. They are not following the protocol nor law to legally protect me for I AM a victim of ID Theft. They don't seem to care about it.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I received a letter in the mail XX/XX/year> dated XX/XX/year>. I had applied for a credit card and Experian sent me a response saying I was denied. Reference application # XXXX. My score decreased from 784 score to 663 in less than 2 years. I sent a request XX/XX/year>, per their guidelines, for my credit report to address what they are saying. XX/XX/year> I received a letter, not a credit report showing who was providing their low score. They checked and never told me who was reporting the problem. 
I need the credit report to show who or what is making my score so low.
Consumer complaint received 2024-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

trying to information about my home loan modification, we have been modified but it took XXXX years and added an additional XXXX dollars to my loan, can i get someone to explain or sit down with to go over this problem and how to go about to get answers, XXXX
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

I have accounts with Wise in both USD and XXXX. My US employer ( who I work with only in the summer ) had my USD account details for payroll direct deposit. 

On XX/XX/XXXX, Wise sent an email announcing that customers USD account details would be changing as of XXXX XXXX. I apparently did not notice the announcement or take action. The email did say that any payments sent to the old account details would automatically be refunded to the sender. 

The employer sent my first payment of the summer on XX/XX/XXXX. It has not been refunded. I have had contact with Wise customer support over the last week asking when this could happen, and they have not been able to tell me anything. The employer obviously cant pay me until they receive the refund. 

The old USD account numbers used the routing number of another XXXX bank, XXXX XXXX XXXX XXXX I contacted XXXX, and their customer service told me that they had recently sold this routing number ( XXXX ) back to Wise, or a company associated with Wise. On the XXXX website it is assigned to a bank called XXXX XXXX XXXX. I have tried contacting XXXX without success. The XXXX customer service rep explained that they were receiving thousands of outdated deposits for Wise customers every week, and it was bogging down their operations trying to refund them all. They thought that maybe Wise would be able to tell me more about the relationship with XXXX, and how this might impact the refunding of deposits, but Wise has not responded to that question.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

On XX/XX/23 I wrote Equifax to investigate hard inquiries on my credit report that are reporting with my consent or permission. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score. I also asked them to investigate and update XXXX accounts by XXXX XXXX XXXXXXXX that were included in a bankruptcy to {$0.00}, which would be the correct way to have them report, however, that was never done so either. 
Also, I asked for the XXXX XXXX XXXX Account Number : XXXX to be investigated and removed due to false payment history reporting and it is still reporting incorrectly.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

. I am writing to formally address several concerns regarding my Best Buy Citi Card account for the second time, which have not been adequately resolved despite previous attempts to seek clarification. 

1. **Account Closure Without Proper Explanation : ** On [ date ], I received notification that my Best Buy Citi Card account has been closed. This action was taken without any prior warning or explanation provided. I have been a responsible cardholder and have diligently maintained my account in good standing. The abrupt closure of my account has caused significant inconvenience and confusion. 

2. **Unexplained Fees : ** I have recently noticed several charges on my account statement labeled as Interest charges for XXXX purchases. I have not used this card in months but have been charged over XXXX worth of interest charges in the last 5 months. These fees have been applied without any accompanying explanation or breakdown as to their nature or justification. I request a detailed clarification regarding these charges. 

3. **Handling of Dispute Regarding XXXX XXXX XXXX Transaction : ** I filed a dispute previously concerning a charge from XXXX XXXXXXXX XXXX This charge was supposed to be covered under an insurance claim and should not have been billed to my account. Despite providing supporting documentation, Best Buy Citi Card investigated and denied my dispute, withholding the provisional credit associated with the transaction. This action was unjustified and adversely affected my access to funds. 

4. **Allegations of Retaliation and Discrimination : ** I am concerned that the closure of my account and the mishandling of my dispute may be retaliatory in nature, stemming from a prior complaint I filed with the Consumer Financial Protection Bureau XXXX CFPB ). I assert that such actions violate my rights under consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Truth in Lending Act ( TILA ). 

In light of the above concerns, I hereby request the following actions : - A detailed written explanation regarding the closure of my Best Buy Citi Card account.

- A comprehensive breakdown and justification for the fees charged to my account.

- Immediate resolution of the dispute regarding the XXXX XXXX XXXX  transaction, including the release of any withheld provisional credit. 

I trust that Best Buy Citi Card will handle this matter promptly and in accordance with applicable laws and regulations. Please provide a written response addressing the points raised within 30 days of receipt of this letter. 

Should this matter not be resolved satisfactorily, I reserve the right to pursue further action through the appropriate channels, including but not limited to legal remedies and additional complaints to regulatory authorities. 

XXXX XXXX
Consumer complaint received 2023-04-28
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. (MN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$35000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance {$2100.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance {$2400.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019 Balance {$0.00}
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (TN)

I have been working with PHH Mortgage since XXXX to resolve an issue with No success. We closed on our home in XX/XX/XXXX. Our Parcel that is listed on our Deed Warranty is XXXX, XXXX XXXX XXXX XXXX It is two tracks. Track 1 is the house and Track Two is a small plot of land behind our house and recorded with the county and city as P XXXX on Tax Map XXXX XXXX XXXX in the description of property as a part of Parcel XXXX When we closed on XX/XX/XXXX taxes were paid for the parcel, XXXX City and XXXX County. In XXXX PHH paid taxes for this parcel from our escrow account and the money was returned by both the city and county in XXXX and credited back to our account. PHH then sent money from our account for an additional Parcel XXXXXXXX XXXX XXXX XXXX. The amount County XXXX and XXXX City. Both the City and County tax offices are refusing to send the money back to PHH and therefore PHH is refusing to return the money to our escrow account and state that they have documentation showing they were to pay for the XXXX parcel. We do not own this parcel and it is not on our Deed Warranty or listed under our name or previous owner with the Tax Offices in our area. I have requested a copy of the documentation and they refuse to send it. 

As of today they are requesting for me to send proof of the taxes being paid from the closing attorneys office however, this is the first time since XXXX they have requested this information. I sent them via email the attorneys phone number back in XXXX and the contact person to verify payments. They have also asked that I go to the tax offices and request the money be returned which I did and the tax offices refuse. I also had a conference call with the County Tax Trustee XXXX and PHH Mortgage supervisor XXXX from XXXX. They refused to return the money. PHH increased our payments in XXXX to for the upcoming XXXX taxes due in XXXX. They are making us cover the loss that they created by paying the wrong XXXX. 

The XXXX attachments are the receipts for XXXX XXXX owned by our neighbor XXXX XXXX previous owned XXXX XXXX. THIS IS NOT OUR PROPERTY. The receipts for our Parcel is with our Attorney XXXXXXXX XXXX XXXX  in XXXX TN. Which I have requested.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

My JP Morgan Chase checking account was compromised by a debt card transaction with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year> and I reported it to JP Morgan Chase and they reversed the charge and then performed an investigation by their fraud team and found that I was liable for the transaction even though I was in another state at the time and that Geographical I authorized the transaction electronically using my debt card and PIN #? 

I contacted XXXX and they have no records on such a transaction and the Back is refusing to honor their cybersecurity fraud reimbursement agreement.
Consumer complaint received 2024-07-23
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: North American Credit Services (FL)

NACS - North American Credit Services , Inc. contacted me via text message regarding a medical bill from XXXX XXXX that was turned over to them for collections, although I have contested the bill with the Hospital and made payments. I was contacted via text message : " This message is from North American Credit Services, a debt collector. to manage your account call XXXX or visit website. '' When I called the representative told me that they are a debt collector and are requesting payment for the amount indicated. When I expressed that the bill has been contested with the hospital for not properly filling an insurance prior authorization or having me sign an XXXX, the representative stated that they do not know about any previous discussions and that the bill must be paid. 

I would like this investigated as why they reached out to me via text message and demand a payment.
Consumer complaint received 2024-07-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I show a debt on my credit in the amount of {$6900.00} being represented by a debt collectors by the name of FAIR COLLECTIONS AND OUT regarding a property by the name of XXXXXXXX XXXX XXXX 
I have never signed a lease or contract for this property and this is fraud to report this on my credit without valid proof being provided. I want this property removed off my credit along with all negative reporting that has ever been reported at once please.
Consumer complaint received 2024-07-23
Product: Credit 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: Self Financial Inc. (PA)

Self, Inc contacted on XXXX flagging potentially fraudulent charges. I did call them and confirmed that the charges were fraudulent. The marked some, but not all, as disputed, and also marked one legitimate charge as fraudulent. That seemed to be in error so I called again, and was told I needed to send an e-mail. I sent an e-mail and got a response that I needed to call. I replied saying I did call, but was told I needed to send the email. 

I then got information that the dispute was resolved and Self determined that no charges were fraudulent, stating that I had made purchases at those vendors before. Charges were at XXXX and XXXX, neither of which I have ever purchased anything with any card, let alone the Self card.

I did file an FTC Identity Theft report and forwarded it to Self asking them to re-open their investigation and they sent the same response.
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lennar Financial Services, LLC (TX)

I sent mortgage pre-approval request to Lennar Mortgage. 
I have not even chosen a house yet. 
But they immediately made hard inquiry on my credit score at XX/XX/year>. 
They didn't notify me or asked me about it.
Consumer complaint received 2024-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I applied for a XXXX XXXX XXXX application for my enrollment in the XXXX XXXXXXXX XXXX XXXXXXXX. My federal loans have been discharged due to the findings of the investigation by the Department of Education. 

The press release, the notification email the Department of Education sent to me along with my enrolment dates were submitted in the lengthy application. Navient informed me that I did not meet the qualifications.
Consumer complaint received 2023-04-28
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: ENCORE CAPITAL GROUP INC. (IL)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX : Illinois Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX ) 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
Furthermore, this particular company bought XXXX, who was my original credit card company who also never notified me that the company was being sold to this particular company and question. And after 13 calls in regards to this matter, the company waived all fees, but did not correct my credit profile. Prior to this incident I had an excellent credit history with the original company.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : EXPERIAN - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

The Debt Collector XXXX  XXXX, XXXX XXXX XXXX XXXX ( XXXX ) claims to be suing me on behalf of JP Morgan. 

I have told them repeatedly that I dispute the debt, and they respond that it's been " validated. '' I requested very specific information from them, which I believe is my right to receive : A deposition of JPM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Im afraid I dont have a last name. 
Id also like the recording of the call I had with her XX/XX/year> at XXXXXXXX XXXX. 
I would like any procedures and policies of both JPM and your firm regarding what should happen when a debt has been disputed. 
Id like a copy of any policies procedures manuals or training XXXX XXXX was subject to at the time of the call The original signed contract of the alleged credit card. 
Original alleged credit card agreement Inception to date accounting of the same account In the event the alleged credit card agreement has changed between inception and today, Id like a copy of every version in between along with when it was sent and what address and person it was sent to. Provide the mark up of what changed between agreements. 

The firm XXXX has refused to provide this on the grounds " As previously stated, if there is any information that you wish to request please do so formally pursuant to the court rules and procedures and not via email. " XXXX XXXX does not provide details on how she would like me to request this information. 

I believe I absolutely have a right to view a signed agreement of an alleged credit card, and an accounting of all payments made on that card inception to date. 

Further, from what I can see the court does not deal with discovery. I do not have a crystal ball, and if XXXX XXXX wants me to do something in particular, she needs to state what it is. 

This secrecy around debt collection is I believe illegal. 

I would not be allowed to tell XXXX that they owe me a XXXXXXXX XXXX and that I had " validated '' it without any proof. They should be required to interact with me. 

Further, XXXX XXXX, despite claiming that " all phones are working '' is hard to contact. You will see in the attached email she takes over a week to get back to me. If you call the phone numbers they go to voicemail. 

As a debt collection firm, XXXX has a duty to provide a point of contact who can promptly respond. 

I would not object to them taking XXXX hours or saying they need time, but I think this is ridiculous