davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX reached out to TransUnion, XXXX, XXXX by mail numerous times and yet no response putting these Bureaus over 30 days, 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The following accounts dont have account numbers which in fact shows that all three Credit Bureaus refuse to remove.

5 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
It has been over 30 days since you received my dispute on ( XX/XX/year> ). 
You have not responded to my Dispute and the law clearly states that information that has not been verified within 30 days of the dispute must be deleted. You are hereby put on notice that you have violated 15 USC 1681i and the blow account must be deleted immediately. 
TransUnion, XXXX, XXXX : XXXX XXXX XXXX TransUnion, XXXX, XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

NONE OF YOUR LINKS APPLY TO MY SITUATION - NONE. 
STATE OF NEVADA XXXX XXXX XXXX  PROHIBITS A COLLECTION AGENCY FROM FILING ON XXXX - READ IT. They have NOT TO THIS DATE ever SENT me a BILL they JUST AUTOMATICALLY FILED ON MY CREDIT REPORT. I AM A XXXX  CITIZEN XXXX - and am XXXX  now ( Since XXXX ) LIVING OUT OF MY CAR IN XXXX DEGREE WEATHER. After needing to move from a XXXX STORY I LIVED IN for 14 YEARS - MOVING TO A SINGLE STORY because of having problems WITH MY XXXX prior XXXX XXXX and at THE LAST MINUTE they RERAN MY CREDIT REPORT TO FIND this XXXX XXXX XXXX had filed AND now - XXXX XXXX XXXX XXXX  WILL LET ME LEASE A HOME. I HAVE LIVED IN THIS TOWN SINCE XXXX - tell me WHY - wouldn't all credit reporting agencies FIRST verify the XXXX XXXX XXXX had done the filing properly? READ XXXX XXXX XXXX- I want to file a complaint against the XXXX credit reporting agencies. I have sent them letters all year trying to resolve. NOW, THIS has destroyed my life as I can't work without a house or car - I'm a real estate broker. The DENTIST I went to a few years. THEY never filed the claim with my insurance company and on top of that- they broke my root canal tooth in XXXX and now the whole front tooth fell out. You can verify with XXXX the dentist never billed them like they should have. I never received another bill from them nor XXXX from their collection agency. Do you realize the stress - mental and financially I am under? I have to pay XXXX storage units each month. You need someone to investigate this because I will turn this over as of XX/XX/XXXX to a law firm. This is not acceptable to do to a XXXX XXXX  or anyone for that matter. I have no family in town and they can not afford to support me. This is sad.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Citi card closed my account because it went over the limit due to interest charges in excess of {$24.00}. I have always made my payments on time except for the month of XX/XX/, and still continue to make payments on time despite account being closed without any reason or notices. 
I called Citi Card to ask for reason why the account was closed due to it saying closed by Creditor and they said I needed to call the credit bureau. I called Credit Bureau and they told me Citi Card closed the account, and all I can do with them is create a dispute for this action. I received a notice from XXXX that stated that the account was closed due to reaching limit but never made a late payment.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-27
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. (TX)

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I previously disputed this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me. 

I submitted a complaint to the CFPB : Please refer to CFpb complaint number- XXXX
Consumer complaint received 2023-06-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (OR)

I am requesting that the mortgage company prove that they are the holder in due course as well as some accounting information as well as proof that they loaned me " money ''. A contract is NOT valid without equal consideration and it is not valid if there is fraud and non disclosure. Also an unanswered affidavit stands as fact in a court of law, proving guilt. 
I have requested this information at least 10 times to no avail. per RESPA regulations, when a consumer askes for information, the alleged lender is to confirm receipt of the communication in 5 days and respond in 45 days. it has been almost 2 years and i am yet to receive an answer. There is NON disclosure from the start of the alleged loan. There is FRAUD and RESPA violations. As per UCC 3-603 the loan was paid in full yet they are still claiming non payment. There is non transparency, deceptive and predatory lending practices. 15 USC 1692 states congressional findings and declaration of purpose about abusive practices. Not only are they not responding to my request which by law they MUST, but they have the nerve to start foreclosure procedures ... epitome of abusive practice. I have certified return receipts going back 2 years with all notarized requests.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Creditor agreed to place the account on a hardship program since XXXX for {$25.00} per month, with no late fee charges, and has not reported correct payment information to all credit bureaus to reflect this information and continues to bill me incorrectly for {$40.00} late charges after stating that they would not over the phone, under the agreed upon hardship program.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I received a telephone call from a company called Portfolio Recovery Services indicating that I owe over {$200.00} that they are trying to collect from me for a debt from XXXX. They insisted that I provide my address, and social security number for them to discuss this debt collection any further. This debt occurred in 2019 according to their records. They indicated that I previously lived at an address that was incorrect so that I could verify my current and past addresses. Approximately 1- 1/2 years ago someone informed me that my XXXX account was delinquent and I responded to an email address and provided personal information including my mothers maiden name. I realized afterwards that it was a phishing attempt.
Consumer complaint received 2024-04-27
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. (TX)

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I previously disputed this account. Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me. 

I submitted a complaint to the CFPB : Please refer to CFpb complaint number- XXXX
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (PA)

I sent a registered security and remittance coupon on XX/XX/XXXX, and it arrived XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX who works for U.S Bank National Association. I gave specific instructions on how to handle my security in a cover letter. I left my contact information, and made sure my message is clear on what to do with my securities. XXXX and his associates did not respond or send any correspondence. I left about 10 total voicemails to his direct extension for about a 2 week span. I have not received any calls back, no emails, or returned mail. Im believing there is security fraud being done, I do not know the where about of my securities and I have not received any funds in my Treasury Durect Account for the XXXX  coupon, nor did any amounts reflect differently on the accounts I have for XXXX. U.S. Bank National Association is the indenture trustee for XXXX XXXX XXXX. Therefore under the indenture trustee act of XXXX & XXXX, they have failed to comply with lawful directives and have committed securities fraud.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I have a checking account with chase. My boyfriend got a settlement check from a XXXX XXXX, he doesn't have a bank account and his state ID expired so he wouldn't be able to cash the check or open an account and deposit it so he deposited it in my account. Now there is a hold on his funds and my account is restricted until they can verify him. They told me the only way they can do that is with a phone number registered in his name. This morning he opened a phone line with XXXX in his name. I called chase and gave them his number but they're saying it could take weeks to months for his information to update in his system. I've asked multiple supervisors if there is any other way to verify him and they all tell me no.
Consumer complaint received 2024-02-01
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Is Bank of America South Carolina unemployment card I had a roommate who filed and got it in my name and among trying to straighten it out they sent me a card in my name however she was my roommate and while I was out of town she checked my mailbox and she got the cards again she kept canceling the cards and ordering cards because she knew all my information so she could be me at any time no matter how many times I stopped the card I've made police reports on it she paid her phone bill with the card there's proof that she had all these guards make of america has denied half of my claims and then they approved the other claims they approved one card And then a deny one charge and then approve another charge on the same card and I have sent them reports I have sent them everything I've had trying to explain to them she was my roommate they told me That I gave her permission to use the card I never gave her permission they said I got it out my mailbox I did not get it out my mailbox she did I've been going back and forth with this 43 years now XXXX XXXX is my name
Consumer complaint received 2024-02-01
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TN)

My account got triggered for fraudulent activity last week and they requested me to send in documents ; which I did to verify my identity. They stated that they did not receive anything from me so they closed my account. Attached is screenshots of the e-mail I sent them and the automated message their system sent back stating that it was received. I also attached the threat I had with their customer care team.
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (PR)

I made a contract that says in 48 month paying {$210.00} Fredom debt relieve could make deals with 3 creditors. Total amount of debt is {$12000.00}. They made deals with 2 of 3 creditors, i finish my 48 month term and now they asking for {$5000.00} more to make deal with the third creditor.
Consumer complaint received 2023-06-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I was approved for a loan modification in XX/XX/XXXX. In XX/XX/XXXX I received a Notice that my house was in foreclosure. In XX/XX/XXXX I received an email that my account was protected and received the loan documents on XX/XX/XXXX but the return deadline was XX/XX/XXXX.
Consumer complaint received 2023-03-15
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. (WA)

Months ago, I have sent a letter to the XXXX credit bureausasking 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. Kindly delete the following : 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 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (KY)

Overall, my student loans are more than my home. They say that I owe {$180000.00} + with my monthly payments being more than {$2000.00}. My monthly income is only {$3000.00}. There is no way that I can afford that monthly payment. I've been at my job for 23 years and have my income will NEVER increase to the amount to where I can afford to pay {$2000.00} + a month. I need help.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

Several months ago I went into a XXXXXXXX XXXX XXXX XXXX XXXX to see what they had for hair products for XXXX patients hair, as I have had XXXX and XXXX. The clerk said something about saving on my purchase if I opened an account then. The woman clerk suggested it would save me about {$10.00}. and final cost would be {$26.00} and it would be billed. I did it and then the clerk put in my information into the system. She took my drivers license and asked me for my social. It turns out she took my address off of drivers license which is residence at a RV park with no direct mail delivery to my site as it does not have lot number, so all my mail goes to XXXX XXXX XXXX the town of XXXX, Florida. The clerk didn't ask for mailing address. 
So, starting several weeks ago I started getting phone calls from a Comenity Capital Bank and didn't think much of it and thought of it being another scam or telemarketer that call, text and email me daily trying to take advantage of me terminal health condition. Comenity kept calling and not leaving messages, so I kept ignoring them until more recently leaving a short message to call them. 
So, on XX/XX/XXXX I spoke with them and asked what this was regarding and they said an account with XXXXXXXX XXXX XXXX XXXX for and amount of {$130.00}. I said I was in there onetime and it was like under {$30.00}. They said it was {$26.00} for purchase and {$110.00} for I am not sure what it represents, but not at all a purchase. I told them, I had never received a card from XXXXXXXX XXXX  and/or a statement or anything in the mail at all representing XXXXXXXX XXXX XXXX All of this occurred because the clerk at XXXXXXXX XXXX  handled all information put in for processing application. 
Comenity on XXXX, XXXX on the phone made like all I had to do was pay the amount of the purchase {$26.00} and that would be it. So, I paid the {$26.00} with my debit. I had explained the whole situation with Comenity of addresses and never receiving card or bill andthat I have XXXX XXXXXXXX and having issues because of it and treatment for it. 
I thought it was over with paying the amount they requested of {$26.00} that I paid with Debit but on XXXX, XXXX I received a letter in email from Comenity requesting the other amount of {$110.00} which I don't know what it represents and thought they waived that from phone call on XX/XX/XXXX. 
I believe this is unfair and not getting anything in the mail or otherwise to represent the {$110.00} being billed now. If anyone thinks I would intentionally not pay a bill if received for {$26.00} and let it become {$130.00}, they are wrong. It wouldn't make sense and there are a number of factors why this all happened and none by my hand with intent. Please I don't want this to be a focus of my life remaining and stressing me out, when my fight should only be in my health. Please help me! Thank you
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (MI)

I contacted the company on XX/XX/2024 regarding an alleged debt which has been furnished to XXXX XXXX, XXXX, and XXXX, that is damaging my credit worthiness, general character, and reputation. I never gave any expressed written consent to the company to obtain, compile, store, share, or distribute my personal private information. I contacted the company and spoke with XXXX in Texas to resolve the matter ; I mentioned that I sent a notice and demand for Debt Validation pursuant to Fair Debt Collections Practices Act and she admitted that it was received. Unfortunately, I have not received any correspondence by XXXX Mail. The company is in default and has failed to respond.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (IN)

CREDIT ACCEPTANCE I went in to buy a used car that was XXXX. The car I was intending to buy was a XXXX XXXX. I was waiting to pick up the car paperwork all complete and last minute they said they sold the car to someone in the lobby. After I had been there and waiting to get my car i was approved for and waiting on. Mind you this after they took my car for down-payment so I no loner had a car. I had a XXXX XXXX XXXX they gave me XXXX trade in after saying it would be XXXX. They sold me a XXXX XXXX they told me it would come out to about the same price. They sneakily and fraudulently stuck me into a car wel over my budget. I explained to them I didn't have perfect credit. I got charged for warranties I NEVER signed for. I left the dealership at XXXXXXXX XXXX with a XXXX XXXX loan they knew I could not afford. And was told my interest was XXXX XXXX  and just found out they are charging me 21.9 percent. The car was listed for XXXX ( FOR LOW MILES ) I put my car up as down payment and then they told me I would need another XXXX cash to cover he down payment. I paid the cash. Right now the loan is XXXX total. This is fraud please help me The XXXX miles were reset by dealership. Was on dash when bought XXXX miles. ACTUAL MILES XXXX WAS ON THE LOAN AGGREMENT THAT WAS FINALLY SENT TO ME.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

{$1200.00} was taken from my checking account at Wells Fargo and they are not recovering the funds for me. They opened and an investigation and closed it and wont reopen. This money was stolen from me on their online banking service. Fraudulent charges made- and I was the victim of a crime and they wont recover my funds