davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
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: CITIBANK, N.A. (CA)

I am having a mortgage payment serviced by XXXX as a Citi Bank home loan service agent. There was an overdrawn that occurred on XXXX 2020, on my Citi Priority Checking Account for a small amount. My checking account overdraft protection policy did not apply to this transaction? XXXX didn't redraw in this incident either. I have been also paying extra principal more than the above fund, in short, each month. Why XXXX didn't accept that? 

I then settled and paid XXXX and XXXX full mortgage amount in XXXX 2020. XXXX still filed the late-payment reports to four credit bureaus at a later time without notifying me. 

I am working with Citi Bank regional director XXXX XXXX since XXXX 2020 but getting no result even she agreed to help out!
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

The three major credit bureaus are reporting an erroneous debt on my credit file. I have previously submitted disputes to you stating that this account should not be reporting on my credit file. This debt was dissolved when I got a divorce and have proof that all collection activity ceased on this account. However, the bureaus continue to report inaccurate information and are keeping me from being able to move forward in the home buying process. I have once again attached the letters as proof that this should not be reporting and it must be removed immediately.
Consumer complaint received 2020-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

I saw on my credit report a collection from Genesis Collection Agency. They never tried to contact me or anything. They just reported this error on my credit. My insurance paid the claim to the hospital. I sent information to Genesis and requested validation of the debt. They refuse to send me validation and yet they continue to report this fraud on my credit
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

For the pass, several mouths I was receiving a debt for my same first name, but a different last name, so I threw them away. I then had someone come to my door and deliver an open letter stating that Midland credit was suing that name. I had already checked my credit report before, but I check it again. This time the debt was showing up on my credit report. I contacted them and said that I would have to file a police report, which I did. The letter that they sent out to me said that the account was opened in XX/XX/XXXX, and that Midland purchased debt on XX/XX/XXXX. I was divorced from my first husband in XXXX, with the name that was on the debt. But I legally change it back to my maiden name. A few years back, which could have been in XXXX, I had noticed a CC on my credit report that was opened and was not my card. I reach out to the company, and they said that they would close the account. They said that the people that opened it were out of XXXX. All they did was close it, and it was taken off my report. I feel like this might be the same card. I did not open this Credit Card. Somebody used my SS # to open an account in my old last name. This is fraud against me and my SS #. I have my divorce papers, and my marriage certificates to prove this.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, XXXX XXXX, XXXX, XXXX, or TransUnion, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and XXXX  due to the abusive and unfair practices.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Comerica (TX)

Comerica Incorporated ( Comerica ) has flagrantly and diligently violated several federal laws. CEO XXXX XXXX, CCO XXXX XXXX and CFO XXXX XXXX are all criminally liable pursuant to 15 USC 1611 ( 3 ). Attached below is my first Affidavit of Truth to Comerica Incorporated ( Comerica ) which they received and signed for on 03/11/2021. I have outlined all of your company 's violations of federal law in detail and provided clear conspicuous break down of all related federal laws. I have not included any requests in my Affidavit of Truth below but only demands pursuant to 15 USC 1692c ( c ) ( 2 ) as the original creditor, natural person and federally protected consumer. No bank can originate, lend or extend credit and pursuant to 12 USC 1431 Comerica Incorporated ( Comerica ) are simply borrowers. My Affidavit of Truth is the first step in my private administrative process to give Comerica Incorporated ( Comerica ) a chance to resolve these issues ( all there violations of federal law ) by providing my demanded remedy included in my attachment below immediately. Failure to do this, using deceptive delay tactics or stating false informations in regard to these issues to avoid providing my demanded remedy will only worsen things for your company. Comerica Incorporated ( Comerica ) has caused me severe personal injury over at least the last 5 years. I advise whoever at Comerica Incorporated ( Comerica ) who receives this CFPB complaint and Affidavit to forward it to your executive team and legal team. Such individuals will understand what this attached document signifies and means. As this is my first step in my private administrative process, I hereby implore your company to resolve matter immediately to avoid future litigation.
Consumer complaint received 2023-01-16
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: I.C. System, Inc. (IL)

I have not opened any account with XXXX XXXX VERSE and there should not been any account for IC system opened on XXXX with a balance of XXXX. Please delete this from my credit report! This is identity theft IC SYSTEM NEED TO BE PERMANETLY DELETED.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (NV)

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. The account with XXXXXXXX XXXX XXXX XXXX XXXXs not mine and is fraud. I want this account deleted and removed.
Consumer complaint received 2020-03-11
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. (TX)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

I got paid from someone for doing XXXX XXXX XXXX I deposit checks they let one clear the other XXXX the froze held for investigation no one ever called me and explained XXXX asked what happened nothing they just assumed I did this on purpose. My account went negative and I tried to keep the balance up while they were holding my deposits for investigation all the sudden I see a notification on Wells Fargo site state my accounts will be closed again they never even cared what happened I banked with them for 5 years. I had an awesome experience in XXXX XXXX but up in XXXX XXXX the experience has been awful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX decided she didn't like me. She would talk to me thru clenched teeth or avoid me all together
Consumer complaint received 2020-03-11
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. (OK)

After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to XXXX, Equifax, and XXXX  along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Equifax has failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Equifax never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Equifax has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Equifax has also sent a vague or bogus response stating they were not able to locate a credit file After I provide a copy of my Driver 's License, Social Security Card, and utility bill which is unacceptable. Due to these numerous violations Equifax must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

account no XXXX XXXX XXXX XXXX ( {$10000.00} ) Someone opened this account a long time ago, I called the company that this is identity fraud. They did not respond yet.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

On Saturday, XX/XX/2023 around XXXX MST, I attempted to withdraw funds from my checking account via local ATM at a gas station. All three attempts were denied as " ineligible account ''. Every single attempt was an attempt to withdraw from checking. After the first denial, I thought maybe I selected the wrong button and made sure I selected the correct one the 2nd and 3rd attempts. After being denied all 3 times, I went to a XXXX XXXX nearby. Again I was denied for the same reason. I called BofA Associate Banking and I was told I am selecting the wrong account. I have been a banker for over 30 years and a retiree from BofA. I know exactly what I was selecting and because I was not making a withdrawal at a BofA ATM, the foreign ATM 's will only allow you to withdraw from the Primary accounts, which are my checking and savings accounts. The reason for my complaint is the associate then told me that because I had at least 3 denied ATM withdrawals that my card was now locked untl XXXX EST. I asked if she could unblock the card and I was told " no, we can not unblock the card. It will happen automatically at midnight EST ''. I explained that I need access to my funds ASAP and she said I'm sorry there is nothing I can do. I am furious as a retiree and a customer over 40 years that I had no access to my money. I could not make purchases and I could not withdraw cash. This is a policy and practice that is absolutely unacceptable!!! As a consumer, I believe the CPFB needs to review this policy and hold Bank of America accountable for blocking me from reasonably accessing my funds. Thank you.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IA)

I started disputing a late payment on XX/XX/XXXX with the bureaus. At that time, I did not receive any responses from them letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (TN)

I purchased this Secure Spend prepaid Visa at my local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$500.00} to give to my son as a XXXXXXXX XXXX. The card did not activate properly with Incomm but my credit card used for the purchase was still charged the full amount. I filed a case with Incomm on XX/XX/XXXX but they have not resolved the case. My prepaid card still has not been activated.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (IL)

I've sent multiple letters to XXXX, XXXX, XXXX regarding accounts, Date Opened : XX/XX/XXXX Balance : {$2000.00} Date XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX Balance : {$1600.00} They are reporting inaccurate information on my credit report. I have asked them to investigate the items on the accounts that's inaccurate, or unverifiable and they have failed to resound to my letters. It has been 45 days with no responds.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I sent out disputes to all three bureaus and I have yet to receive any response yet from XXXX, Equifax or XXXX. This is my third time sending in a dispute and waiting for a response. All i ask is for all three bureaus to investigate and update my inaccurate information on my credit profile.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/2019 has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 602A section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Dividend Finance Inc. (IL)

I was sold a solar system from XXXX XXXX XXXX XXXX XXXX XXXX of 2021. The company told me I would receive a Government incentive of XXXX this was misrepresented. The company sales person filled out my loan paperwork on a tablet, I was never given paper copies of anything. Or told of my timeline to cancel. The company filed bankruptcy without completing my Solar Installation, and Dividend finance company is still holding me responsible for the loan without me receiving anything in my contract. The loan is set to ballon if I dont give them {$14000.00} the full amount of my estimated Government Solar rebate. This rebate is not a lump sum or automatic, you have to qualify. Had I been informed about this I would not have agreed to get Solar. Had I know that the products being used were faulty, I would not have gotten the loan. I dont understand how I can be responsible for equipment that wasnt installed and services not being provided and they expect the full price of this system which is nearly {$60000.00}.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (GA)

AES is reporting old AESXXXX accounts with a XXXX balance to my XXXX and XXXX credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of credit.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

Not sure if this complaint is applicable to this bureau, but here it is. 

I don't recall receiving a mailed Form 1098 from my fifth third bank mortgage account. 
The account is a joint mortgage account between my brother and me, who file taxes separately. 

I made an online account and used it to pay the mortgage throughout the year. When setting it up I requested online document delivery. I have received online bank statements throughout the year. 

Now, when I am trying to access my tax documents they are not visible. I reached out to support and requested the 1098 form on XX/XX/2021. They advised that it is a joint account and I am not the primary holder so I will not get access to them. I believe their deadline to mail or give electronically is XX/XX/2021. I need access to my tax documents to file taxes, hopefully they will supply them before the deadline.
Consumer complaint received 2021-03-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Persolve, LLC - Legal - Series 2 (CA)

I received 3 to 4 calls a day from this number. Most of the time, they hang up. When I speak to a person I have explained to them that this debt is from an account I had in 2017. Also I explained this account is part of a program I have with a Debt Management Program through XXXX XXXX XXXX. I told them they are not supposed to be contacting me. They keep calling and when I asked to speak to a supervisor, he threatened me and told me they were going to sue me for this debt.
Consumer complaint received 2020-03-11
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. (MD)

Hello I have a Citibank secured Credit Card. I purchased what I thought was a pair of authentic leather XXXX XXXX on XXXX in early XX/XX/2020 ... When I received the Gloves I found out that they were not authentic and contacted the merchant XXXX  and XXXX on the issue ... I did not get any help in getting this resolved ... I then turned to my credit card company Citibank because they state they have 100 % protection against fraud and fraudulent purchases. I put through a dispute and provided all information that I was able to get to show that this item that I purchased was fraudulent. I spoke to several people at Citibank and they all said that I did as much as I can and that the dispute would be resolved in my favor ... I received a final notice a few weeks ago stating that they could not reverse the charge due to lack of information. I was so upset that I requested for my credit card to be closed due to Citibank disvalues their customers. I can not seem to get this resolved. Can you please assist me? I've been a customer with Citibank for more than 15 years
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I think it was XXXX, I tried to modify my loan and did everything they said to do. I saved it from auction 14 times to try to save it. I finally had to sale my family home that my grandparents bought brand new in XXXX