davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021, I sent a letters to the 3 beaurs and I have yet to receive any information on the investigation. To my understanding it takes about 30 to 45 days. I am very upset this has cause a hardship. I really need help with get this resolved.
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ASTA FUNDING INC. (CA)

On XX/XX/XXXX my bank account and my sons bank account were beyond wiped out by this company claiming I have a cellphone bill from XXXX for $ XXXX with XXXX XXXX XXXX. Illegal practices, scam artist. They can not provide me with the bill or the original proof of service yet XXXX XXXX allowed them to take my funds. Consulting with a consumer attorney.
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Our business credit card has a credit balance of almost {$500.00} and its been over a year, and Capital One still refuses to refund the money to the business account they withdrew from. I have the last statement showing the overpayment.
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Harris & Zide (CA)

On XX/XX/XXXX my bank account and my sons bank account were beyond wiped out by this company claiming I have a cellphone bill from XXXX for $ XXXX with XXXX XXXX XXXX. Illegal practices, scam artist. They can not provide me with the bill or the original proof of service yet XXXX XXXX allowed them to take my funds. Consulting with a consumer attorney.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (MI)

I have tried several time when I had become late on my payments to arrange a payment plan. I had called with money ready to send. It wasn't the full 2 month payment they were asking for but I didn't have one month 's worth of rent and had let them know the fallowing week I could do the same amount and they wouldn't take it. Then I got sick fell more behind and now in foreclosure. Since I was served a summons I have been working with a community action house and have also tried several time to connect with them to get paper work sent to me so I can file for help through XXXX but did not here back from them for days. Along with my case worker who is helping me file the paper work. Was also told at the court date to call the attorney to work out a payment to pay what was owed and was then told after a week of calling that its to late to make a payment plan I was never advised to contact anyone to make a plan and when I did try with the company themselves I was told I could not make a plan.
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY PERSONAL INFORMATION AND RENTED AN APARTMENT IN MY NAME FROM XXXX  AT XXXX XXXX XXXX XXXX. THEY RENTED IT ON XX/XX/2015. I AM ENCLOSING A POLICE REPORT AND IDENTITY THEFT REPORT.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

I rented a car from XXXX XXXX rental group ( referred here as " company '' ) ( from the XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ) on XX/XX/XXXX and returned the car on XX/XX/XXXX. The company had a clerical error and did not log in my return into their systems correctly. Their systems showed that I instead returned the car on XX/XX/XXXX. Due to this, they have sent me an unpaid bill due in the amount of {$5500.00}. 

As this was obviously a mistake, I took the notice to the company branch I rented the car from and spoke with the manager. The manager noted that the car had indeed been returned on XX/XX/XXXX, and issued a work order/station adjustment confirming that I returned the car on time. She asked the collections teams to make the necessary changes in their system so the debt can be market invalid. I have emails from the branch manager as proof along with the requested station adjustment. 

The company did not take the necessary actions on their end and instead sent me another letter claiming that I have an unpaid balance. I reached out the collections department at XXXX again on XX/XX/XXXX via email detailing the issue and also attaching the branch manager 's emails and station adjustment requests showing that the debt is invalid. After much back and forth promising that the collections team is looking into the issue, I did not hear back from XXXX collections since XX/XX/XXXX. 

On XX/XX/XXXX I received a call from a debt collector ( Caine and Weiner ) in an attempt to collect this debt that I have been trying to resolve since last year, about 7 months now. I was also place on the " do not rent '' auto rental list blacklisting me from any further auto rentals. I furnished them with the same emails and filed a dispute. It has now been another month and I have yet to hear back regarding any progress being made on my account. I am happy to provide all my proofs and emails showing that the debt is not valid and should be taken off my account. At this point, I have sunk close to 40 business hours trying to resolve this matter and feel I should instead be compensated for the predatory actions from the company.
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC (UT)

I was sent a letter saying I owe a debt from XX/XX/2018 that I knew nothing about. I asked for verification of the debt. I asked to provide me with copy of the application. Any identifier such as driver 's license or anything. All I received was a single of paper with the 360 % interest rate a phone number that not mine from a place in XXXX, Tennessee. I file a FTC report and send them a copy. I filed a police report that they received a copy of. They are demanding a copy my driver 's license but I'm hesitant to give that out.They already have more information than I am comfortable with. They just served me papers after I felt I was being cooperative. I will send them a truncated copy of my drivers license. I receive no benefits from this company no money, no renumeration, whatsoever I do not owe this debt.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Convergence Acquisitions, LLC (OH)

XX/XX/XXXX I received court papers from XXXX County Ohio XXXX XXXX courts stating a complaint was filed by Convergence Acquisitions LLC with Attorney XXXX XXXX XXXX with XXXX XXXX XXXX. This was for a XXXX XXXX  account. 

XX/XX/XXXX I was contacted by XXXX XXXX and payments where set up and automatically withdrawn from my account on the following dates :XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was to settle the XXXX XXXX  account that Convergence Acquisitions LLC filed the complaint with the courts. 

XX/XX/XXXX Around this time the above account was removed from my credit report and lifted from XXXX. Also received a letter from the court stating the case was dismissed. 

XX/XX/XXXX I received court papers from XXXX County XXXX Court stating a complaint was filed by Convergence Acquisitions LLC with Attorney XXXX XXXX with XXXX XXXX XXXX. This was in regards to the same account. 

XX/XX/XXXX I called the office of XXXX XXXX XXXX weekly and left messages with XXXX XXXX with no calls returned. 

XX/XX/XXXX I finally got through and talked to a real person at XXXX XXXX XXXX named XXXX who advised me to fax him the letter from XXXX XXXX that states the account was paid in full. The fax was sent and received. 

XX/XX/XXXX I started the process to get a mortgage. In my report its listed that their is a judgement against me. 

XX/XX/XXXX I called the law office of XXXX XXXX XXXX only yo find out they were no longer in business. I then called XXXX XXXX only to find out that they were also no longer in business. I then contacted Convergence Acquisitions LLC. I spoke with a man named XXXX XXXX and he stated that they knew nothing about the XXXX Judgement against me and the only one they seen on their system was the one filed in XXXX that was dismissed. He asked for me to fax over the XXXX court papers and the letter stating that the account was paid off. 

XX/XX/XXXX I faxed over all the paperwork I had regarding this. 

XX/XX/XXXX I called Convergence Acquisitions LLC and spoke with XXXX XXXX. He told me that the account number listed on my paid in full letter did not match the account number they had listed. He also stated they have never heard of XXXX XXXX. He told me that I am responsible for paying this judgment or they will take action against me to receive payment. 

XX/XX/XXXX I filed a complaint with this company through the XXXX XXXX XXXX XX/XX/XXXX I received an email from the XXXX XXXX XXXX stating that the complaint was sent to Convergence Acquisitions LLC and was returned as undeliverable or no longer in business. 

I feel this company is fraudulently trying to get money off of me twice! Seems a little suspicious that these companies are becoming out of business
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

The first week of XXXX, I went to my bank, Citizens Bank to get my account number to file my 2020 income tax returns. On that day, an employee of the Bank, a teller had me at his window and asked that I swiped my Debit card. After that he suggested to dictate the number to me which I refused. I asked him to give me a print out instead. He gave me the print out with my name on top then an account number and the Bank routing number. The next day I went to my accountant to have my return e-filed and directly deposited my refund. Few weeks later my refund never reached my account. I called the accountant who told me that my refund was deposited into my account few weeks ago. I checked my account again with no success. The accountant had suggested that I return to the Bank. I went to Citizens Bank located at XXXX XXXX XXXX, XXXX MA to enquire about this. I spoke to an employee who told me that the account number that was given to me belongs to a bank employee. My refund ended being deposited into the following account XXXX and routing number XXXX
Consumer complaint received 2022-12-16
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. (MD)

There are multiple fraudulent accounts and inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent accounts and inquiries and for assistance to remove these fraudulent accounts and inquiries from my credit report immediately.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MO)

CitiBank Recovery, on behalf of Department Stores National Bank, has not contacted me after re-assuming control of a closed account that had previously been referred to a third-party debt collection agency. Since over 90 days has passed without contact, written or phone, from CitiRecovery, I am requesting that the debt be cancelled and any negative information to my credit report be retracted.
Consumer complaint received 2020-03-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (AZ)

I currently have a VA mortgage with Freedom Mortgage. I received a call from a Freedom Mortgage loan official about a no cost refinance. He told me there would be no cost for me to do a refinance and my interest rate would be lowered. He also said the current number of months of the existing loan would stay the same. I asked if he was sure there would be no cost to me and he assured me there was no cost. I told the individual to send me the loan information and I would consider the proposal. The first documents I received showed my current loan balance and months of loan staying the same and the interest rate lowered by 1/2 point and there were no additional costs. Since it looked as he explained I started the loan refinance. A couple of days later I received closing documents to sign, however the loan amount had increased approximately {$3500.00}. I contacted the loan officer and asked about the difference and he told me it was not costing me anything. He said it was my escrow balance rolling over. I said why did the loan amount go up and he kept trying to explain it wasn't costing me anything. I said if my loan amount increases it is costing me something. I then instructed the loan officer to cancel the loan application. I then started receiving call after call from the closing department to set a date for closing. I told them I had instructed the loan officer to cancel the application. I believe they were trying to badger me into signing for a loan that was not what was originally explained.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

XX/XX/XXXX, tried to deposit a check in the amount of {XXXX}. The Check was partially skewed and the App wouldn't accept the check. I took the check down to a local Credit Union that I bank with as well and deposited it in person. Capital One then showed that the deposit was in my account. I called and had the check reversed thinking that the one at the local credit union would be the one that would go through. The local credit union ended up reversing the check as well because Capital one requested the money under a duplicate deposit. I have called capital one a few times about this and have to explain the situation every time. No one seems to understand what is going onXXXX. I have also been in communication with my local credit union and they have given me the XXXX number off the check to provide to Capital One. Capital One still has not gotten anywhere with this. My local credit Union is XXXX  XXXX XXXX XXXX. this has been going on for over a month now.
Consumer complaint received 2023-12-08
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: Experian Information Solutions Inc. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-15
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. (MD)

I just received a letter in the mail from XXXX XXXX XXXX XXXX advising that they are reporting accurate information on my credit report. But according to their letter and the information on my file clearly shows the violation of FDCPA and FCRA law. Please see attachment. 

XXXX XXXX XXXX XXXX is reporting the date of last payment on XX/XX/2016 which is false information and is adding another year to being reported on my account. This date is when the car was bought at an auction which is no longer my responsibility.
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: Experian Information Solutions Inc. (NJ)

Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and Experian ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including Consumer Reporting Agency. regarding " LATE PAYMENTS '' Regarding XXXX XXXX  # XXXX The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. Any further contact regarding LATE PAYMENTS by youXXXX XXXX XXXX XXXX XXXXXXXX your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. Task that you respect my consumer rights.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I received my statement dated XX/XX/21 and my payment was XXXX higher than any other month. Nothing has changed about my mortgage. I called customer service and have been hung up on several times and been on the phone for over 5 hours with bank of America and placed on hold, no one can explain to me why my payment is higher.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (ID)

I applied for a Macys American Express card and was approved today. I have tried to purchase a new sofa directly through Macys numerous times today using the card I was approved for and Citibank continues to deny the purchase. I have called 3-4 times and have spoken with every department. I have answered all their questions and have had the restrictions removed per my conversations and still can not use the card. I had my credit ran and received approval for this card and am being denied use of it. This is fraud. I would like the account closed and the credit inquiry removed. This is extremely frustrating.
Consumer complaint received 2021-03-15
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: JPMORGAN CHASE & CO. (OR)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-16
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. (FL)

*THIS IS NOT MY ACCOUNT *I DID NOT AUTHORIZE ANYONE TO USE MY NAME TO OPEN THIS ACCOUNT I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to TBOM/VT and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help