davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
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. (OH)

I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX XXXX XXXX on XX/XX/22 to settle this account and was told that my credit report would be corrected if I paid the settlement amount which I did do ; however, XXXX did not keep their word and refused to make any changes to my credit report causing me great undue hardship!!
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

I have tried several times to have this account removed from my credit report. It is Receivable Management, I do not have any contract or account with this company, yet they have my nonpublic personal information. I have a FTC report as a formal statement that this is fraud. I have requested that the consumer reporting agencies remove this item from my credit report, but they have not complied with my request. They have violated several codes under the FDCPA and FCRA. I am requesting to have this removed from all 3 of the consumer reporting agencies.According to 15 U.S. Code 1692j ( b ) - Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Under 15 U.S. Code 1692k Civil Liability ; I have attached all supporting evidence including the FTC Identity theft report and the amount of damages that I as a consumer am looking to collect.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (CO)

I hope this email finds you well. I am reaching out to you regarding several unresolved issues I have encountered with Found 's customer service department, and I would appreciate your urgent attention to rectify these matters. 

Over the past few months, I have made multiple attempts to seek clarification on certain policies and procedures, specifically regarding a recent transaction. Despite my persistent inquiries, I have yet to receive a satisfactory explanation or a reference to the relevant policy on your website. This lack of transparency has been frustrating and has left me feeling uncertain about the handling of my account. 

Furthermore, I am disappointed to inform you that I never received the product I ordered, yet I have been charged for it along with additional fees. Despite my efforts to dispute these charges, they remain unresolved, adding to my dissatisfaction with the level of service provided. 

To compound matters, I was blindsided by the sudden decision to close my virtual card without any prior warning or explanation. This action has inconvenienced me greatly, and I am deeply concerned about the lack of communication and transparency surrounding this decision. 

I have been in communication with XXXX XXXX from your team in an attempt to resolve these issues, but despite his assurances, the core issues remain unresolved. I am at a loss as to how to proceed and would appreciate your immediate intervention to address these concerns. 

I value my relationship with Found and have always been a loyal customer. However, the experiences I have encountered recently have left me feeling frustrated and disappointed. I urge you to prioritize resolving these matters promptly and providing me with the clarity and assistance I need to regain confidence in your company 's customer service.
Consumer complaint received 2021-11-15
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. (MI)

On XX/XX/2021, I made a reservations on XXXX XXXX at XXXX using my Citi bank Credit card. Amount was USD XXXX and I never been into the hotel and cancelled the reservations on advance. It is reflecting on my XXXX portal as Cancelled reservations. But I never received the refund. So I did disputed the charges with citi double cash master card. Citi gave me temporary credit and then they revered back stating they contacted the vendor and mentioned it is non-refundable hotel reservations. I am really stuck here especially during this pandemic time. With the Covid situation happening, I have cancelled the hotel reservation in advance but has been charged without utilizing their service. I request the consumer finance government team to help me to solve this issue and help me to get the refund. Thanks so much.
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (FL)

TD bank debited all my sales amount, close to {$400000.00} and I called merchant services and costumer service as well but they are just giving me run around without any explanation. Its been over a week now and I have not received any return calls from them as of today. Please help
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (CA)

I filed multiple complaints and disputes regarding my credit report has account fraudulently opened without my knowledge. I have provided my police report regarding identity theft and victim of mail forwarding. But they did not give proper investigation and my credit report still have negative impact from account which was fraudulently opened without my knowledge. So very frustrating and helpless with no resolution in sight. Sigh.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

My loan was originally with XXXX XXXX  when I started my foreberance back in XXXX of XXXX. I was in foreberance for 5 months and then started my payments again. I submitted all the paperwork requested at that time and was informed that the loan modification takes about 30-45 days. I have continued to make all my paymemts to date and have called weekly for updates. XXXX never completed the process that year and then moved my loan to Myloancare as of XX/XX/XXXX. I continued to call weekly for updates and was reassured everything was fine that they are back logged due to XXXX. They pulled my title in XXXX and that was as far as they got. Kept getting the run around as I called weekly. Some of their associates couldn't believe what I was going thru and escelated my file several times. Now we are in XXXX of XXXX and they are requesting all new paperwork because the original is out dated. Also I just teceived a formal letter of intent to foreclose. I have filled out a whole new packet and sent everything again to do my part. I have never heard of any company taking over a year to process a loan till now.
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Portfolio Recovery they do nothing but harass to try to collect a debit. They use different phones from all over the United States. When my bank wrote off this debit in XX/XX/XXXX all they had was my cellphone number. XX/XX/XXXX I changed my cellphone number. they then started to use my home phone number which is listed. For 6 years now Portfolio Recovery is doing nothing but to harass. I also believe that Portfolio Recovery is being manipulated by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX. ( XXXX ) XXXX. XXXX XXXX is an identity thief. She had gotten away with identity theft on the two credit cards that Portfolio Recovery is trying to collect for. She owns the XXXX car dealership XXXX XXXX that I worked for 20 years ago. XXXX XXXX is a harassment queen. For the last 4 years an investigator for the Iowa Attorney General has been working on a case against XXXX XXXX and XXXX XXXX. This phone number XXXX XXXX is from XXXX Iowa. In XX/XX/XXXX XXXX XXXX was using the indentity of a XXXX XXXX from XXXX Iowa and acting as a regional manager for Iowa XXXX XXXX. I turned her into XXXX in XX/XX/XXXX. On the XXXX website it just shows this number as suspected spam telemarking. This was the number that was put into my caller ID. I have call rejection on my landline phone and the call rejection and the last number called is a number from XXXX XXXX. That number comes back at XXXX as a XXXX XXXX. with complaints as Portfolio Recovery.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX provided information to TransUnion that is not accurate. Trans Union did a reinvestigation and stated that they verified the bankruptcies as accurate. TransUnion also provided that the information was verified by XXXX XXXX and therefore it would remain on the credit profile. This information was disputed directly with XXXX XXXX and has been removed, making TransUnion statement inaccurate. As was disputed the on TransUnion and the following bankruptcy information per the FCRA. U.S Bankruptcy court does not provide information to credit reporting agency, and I did not sign a contract with XXXX XXXX. This is a demand to remove this erroneous and inaccurate information immediately from my TransUnion report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original filing date XX/XX/2019 Latest status date XX/XX/2019 Reference XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2019-07-25
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. (IN)

I am a victim of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I started college in XXXX and did not finish. I was making payments to XXXX before they were transferred to Mohela without my knowledge or consent. Then Covid happened and all payments were paused and I started going back to school so now they are deferred. I am looking to restart payments as I graduate soon and noticed all of my payment history to XXXX is gone. I called Mohela and they cant find them, and I cant login to XXXX anymore to get the payment copies. It is important my payments are recoded because they count towards forgiveness and Mohela has been less than helpful. They have said I can not pay the loans I want- they choose, I can not refinance, consolidate, transfer them to another servicer and they are basically unwilling to do anything to resolve the issue and prove I owe the balances I have on my account and show I have made payments towards them.
Consumer complaint received 2021-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have experienced a lot of credit inquiries on my account that I did not authorize. Most of the inquiries happened on the same day. Some of the inquiries are old and some are new but I did not authorized them and I would like the inquiries deleted from my credit report. I am experiencing some type of credit fraud.
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2019 A Home Equity Line of Credit with Citizen 's Bank was paid off in full via ACH from XXXX XXXX. Bank statements show this transaction being completed and credited to my account on XX/XX/2019. On XX/XX/2019 a " preauthorized '' debit for the monthly payment of about {$350.00} was debited from the checking account with balance of about {$79.00} resulting in an overdraft. This payment should not have been processed by Citizens due to the XX/XX/XXXX payment in full. Citizens refuses to reverse the double charge to the account, refuses to refund the {$79.00} and refuses to close the accounts as of a phone call on XX/XX/2019. It appears Citizens ignores payments that XXXX out balances, pre-authorizes debits well in advance of payment date and without any procedure for cancellation by the consumer. Further, their policies are designed to maximize fee income by refusing to close accounts.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF THE WEST (MS)

They petitioned for a loan with incorrect information going as far as fabricating a job and income I did not have. Information was not correctly reviewed nor shown to me. I was unemployed and the loan was supposed to go under employed boyfriends name who is not even on the loan. I tried explaining this to the owner, but he would not work with me. I was advised to make a complaint with the federal trade commission as well as attorney general.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (NC)

I sent out a dispute regarding a {$130.00} around XX/XX/2021 bill with XXXX XXXX. I moved from the XXXX XXXX XXXX XXXX XXXX  NC XXXX address and had all my mailed forwarded to XXXX XXXX XXXX XXXX NC XXXX. I called numerous times and was told that this account has been sent back to XXXX XXXX account # XXXX who now has the account and still have not updated the correct address until today. I have know problem paying the bill but XXXX XXXX still shows on my credit file. 

Again I never received a bill from XXXX XXXX that I owed any amount and I called today and asked for the account number and told that they can't give me any information on the account just pay the {$130.00}. 

Credit management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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: LCI Acquisition Inc. (IL)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2018-09-20
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 (OH)

On XX/XX/18 I contacted Capital One to discuss repayment options due to my account being past due. The Capital One website explained that while my account was past due, I still had payment options. I initiated a chat with an account specialist to discuss the terms for repayment. I was advised that if I made a payment of {$200.00} on XX/XX/18 it would bring the account current & in good standing & I would have access to the account. Today I checked my XXXX XXXX account and saw that the Capital One account showed closed. I called Capital One & spoke with a Credit Specialist ( XXXX ) that advised the arrangements were made in error and the representative that made the arrangements would be coached and that my account had already been closed as of XX/XX/18. I explained that this was unfair & misleading. The credit specialist ( XXXX ) clearly became frustrated during our interaction and essentially released the call. I would like to have my chat interaction, website alert message that states that even as todays date that I still have payment options, and call interaction from today to be reviewed. At this point I want to make sure that if I pay {$200.00} that my account would be in good standing and accessible or an explanation if I have any rights. This is extremely unfair & demonstrates deceptive practices by Capitol One.
Consumer complaint received 2015-04-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dyck-O'Neal, Inc. (NY)

Dyck O'neal inc has incorrectly reported me over 120 days late on an account that should NOT exist in the XXXX place. The account was XXXX on the completion of a Deed in Lieu on my cooperative residence. The Deed in Lieu NEVER occurred. The related mortgage was later satisfied in full via a sale of the property. XXXX of Dyck O'Neal was aware of the failure to close the DIL and still allowed the account to remain open harming my credit. Has has lied to me now on multiple occassions and has failed to have my credit reports corrected.