davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (FL)

I have Mailed Experian XXXX and XXXX on several occasions about this Delinquent incorrect car loan on my report all three bureaus have verified the loan but when I requested the method of verification they never send me this. They literally ignore the letter. Additionally I mailed the furnisher of the information who is XXXX XXXX XXXX and the mail was return to sender not deliverable as addressed unable to forward. However I use the address that was on the Experian XXXX and XXXX sites. With that said this is against the FCRA as that information has to all be XXXX percent accurate and it is clearly not additionally they continue to verify the account but who are they verifying the account with especially when they wont tell me or show me proof. Additionally Experian is showing this still with the original creditor XXXX XXXX in which it can not be with both entities thus this is incorrect and needs to be removed immediately.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC (IN)

I sent Sequium Asset Solutions a formal request to send me any documentation bearing my signature. They have failed to do so and stated that their verification is valid and I have to pay this debt regardless of what I say. Sequium Asset Solutions have failed to show me proof of documentation wit their company bearing my signature.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (NC)

XX/XX/2023- I surprised that I'm in a plan called flex plan of Citi bank credit card, I surprised that the minimum amount due will be too high. {$850.00} I was paying before {$41.00} I start calling Citi bank many many times, to go back to the normal payment plan, but they didn't fix it and the amount doubled in XXXX. 

In XXXX statement, the minimum amount due was {$1700.00} I kept calling Citi bank many times to fix that issue and move that debt back to normal. 

Finally in XX/XX/2023 statement, they put me back to normal payment plan, but and I need to pay {$1700.00} the minimum amount due. 

For 2 months I'm trying to fix that situation with the bank and no answer, And after I kept calling Citi bank many times, finally I had to pay the {$1700.00}. 

Next credit report while I'm negotiating that issue with the bank, I surprised that I have late fee on my report for 2 months. 

No collection called me and let me know that I need to pay those amount, before it impacted my credit report.
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION / XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, & XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights .

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
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (KY)

Hello, Our mortgage has been held with Roundpoint Mortgage Company since XX/XX/XXXX. Our original purchase price on the home was {$120000.00}. 
We had a down payment of {$8000.00} Which made our original loan {$110000.00} We paid a lump sum towards the principal in the amount of {$3400.00} on XXXX XXXX. This should have made the balance of the loan {$100000.00}. We made a phone call the next month when the PMI wasn't taken off, and were told we would have to put a request in writing which would trigger a revaluation of our home at our expense which would exceed {$600.00}. From our understanding, the PMI should be dropped automatically and thus we were unwilling to spend this additional money ( and our home would likely come back at a higher value in the current market ). 

We then considered that their threshold might be 78 % by information we found online, and made another lump sum payment on XX/XX/XXXX in the amount of {$1600.00}. At this time the balance was {$97000.00}. Again we were told that they would not remove PMI until a new evaluation was done on our home. Since that time, we have been charged {$79.00} per month and as of XX/XX/XXXX, Roundpoint Mortgage has transferred our account to XXXX XXXX. They are no longer accepting any phone calls regarding our account.
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. XX/XX/XXXX 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions. In response to cfpb case XXXX. On XX/XX/XXXX the case was close due to the response of the company CREDITORS BUREAU ASSOCIATES. The company respond that the accounts in collection were validated and put on a monthly payment plan for XXXX USD a month. The first payment having been received on XX/XX/XXXX. Attached are the documents from the original creditor validating the debts in collections. The debts is not mines.
Consumer complaint received 2022-06-01
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: SG and Associates (TX)

XXXX XXXX XXXX Case # XXXX Federal Trade Commission Case # XXXX Attached Attorney General Cases from Texas and California XXXX XXXX XXXX Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 

According to 15 U.S.C. Sec. 1681i ( a ) my rights are being violated and if the account is not deleted I will seek Monetary damages up to {$1000.00} per violation. 


XXXX Notice : XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for XXXX years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, www.experian.com/extendedfraudreport or by calling XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION XXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .

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
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

My complaint might seem strange. All I want to do is pay for what I charged on my HSBC card. 
In XX/XX/2018 I applied for, and received a credit card from HSBC. I made two charges on the account totaling about {$200.00}. Since I have incurred the charges, I have not received a single statement or communication from HSBC. They have not allowed me to access the account on their mobile app.. I have tried to contact the company on numerous occasions to try to pay the account balance. I have spent in excess of five hours on the phone trying to get this situation resolved. At their request I have sent multiple emails ( copies attached ) trying to obtain a statement. I get no reply and they wont communicate with me, but they have no problem communicating with the credit agencies to report my account delinquent. I have never missed a payment on any account in over 50 years and now my XXXX   score has dropped from XXXX to XXXX. Needless to say Id like to get this resolved. 
Thanks for your assistance.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NY)

I received a statement in the mail of a checking account from Wells Fargo Bank N.A. I did not open this account and will never do business with Wells Fargo. When I called to inquire, they said the account was already closed and would not give me any more information. Then in a bit of heated exchange on the part of the representative XXXX, she claimed this was identity theft. In IDT department takes 45 days for any follow-up. I am skeptical about identity theft because I have a monitoring service and have received no notifications from this. I have in the past received notifications about events that are much smaller than opening up a bank account from the service. 

Furthermore, Wells Fargo 's policy regarding opening up accounts online and their verification system are not good enough. In this world of digital theft, to purely banking business online with no other forms of verification ( mail notice, credit check, etc. ) is as bad as when their predatory bankers were opening up accounts on their own for sales goals. 

In addition, their transparency with issues like this is awful. The bank gives no information for the consumer to draw any conclusion to protect themselves in the future.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair reporting Act XXXX  account 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  # XXXX, has violated my rights. 
XXXX15 U.S.C 1681 -Procedure in case of disputed accuracy section 2 ( A ) section 5 ( A ) *15 U.S.C 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies section 8 ( A ) section E *15 U.S.C 1681- Congressional findings and statement of purpose section A ( 4 ) *15 U.S.C 1681b- Permissible purpose of consumer reports section A ( 2 ) *15 U.S.C 1681 section 602 A, states I have a right to privacy.

*15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. 
I have sent certified letters XXXX times for TransUnion, XXXX and XXXX to respond verified and updated. You can see from credit report that is incorrect and inaccurate.
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION (CO)

I was trying to refinance an existing mortgage ( acquired less than 7 months ago with XXXX XXXX ) with Vectra Bank. They deny my application because they consider an investment interest I have in a Delaware Statutory Trusts owned by XXXX who has a loan under the Trust for an apartment complex in XXXX, Georgia as a 'personally financed '' loan. I only own 0.185 % of the investments and I do not make any loan payment to this loan as it is not under my name. I don't have any personal obligation to this loan secured by the Trust. I only deduct an interest expense per the financials provided by XXXX every year. Because of this addition to the number of personally financed property, I exceeded 10 personally financed loans per lending guidelines. I believe this addition is incorrect and Vectra has violated fair lending act and XXXX XXXX lending guideline.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XX/XX/2022 I sent out a letter to the credit bureau Equifax asking them to investigate my account to make sure my account was XXXX XXXX  accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I seen that my account status was updated.The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate XXXX XXXX XXXX, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. On XX/XX/2022 I reported the claim to cfbp and Equifax responded back XX/XX/2022 saying how they will fixed the issue. On XX/XX/2022 the investigation was complete on XX/XX/2022 they said everything is a XXXX XXXX  accurate. I am very confused at this point because the same problems are still showing on the account inaccurate account types, inaccurate date opened, inaccurate XXXX XXXX XXXX, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. Now all this cant be accurate the accounts appear to be furnished by the same creditor why reporting data different. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so.This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions. 
Another thing is this issue has been on going with not type of result at all it has been damaging to my credit with inaccurate information.I have been trying to dispute many accounts with them for a while now and keep ending up with the same results with not having a proper investigation.I havent received my updated credit report in the mail either.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) are reporting a account that does not belong to me! 

I called XXXX XXXX and spoke with representative " XXXX '' on XX/XX/23 " XXXX '' could not find where I owed for this account. XXXX 's direct phone number is XXXX. 

XXXX XXXX are violating my rights under the credit laws. please delete immediately.
Consumer complaint received 2022-06-01
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. (MN)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX  XXXX  # XXXX XXXX  XXXX/XXXX  # XXXX XXXX XXXX  XXXX # XXXX Has violated my rights. 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.
Consumer complaint received 2023-06-24
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. (NV)

XXXX is reporting inaccurate Names addresses as well as multiple account that I have disputed. As well they are allowing inquiries from XXXX XXXX and and other without any authorization. All credit bureaus are reporting and damaging my consumer report and my life. I do not understand why no one is protecting me ....
Consumer complaint received 2019-07-03
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. (CA)

Equifax keep on saying that the item displayed on my credit report are correct!! The account is not a charge off, it's a government funded loan.. I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXXXXXX XXXX XXXX****
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Foris DAX, Inc. (MD)

In ( XXXX XXXX XXXX +XXXX  ), I transferred XXXX XXXX ( XXXX XXXX XXXX ) cryptocurrency from my hard wallet to my Crypto.com address/account. The token never arrived in my account on crypto.com. 
I immediately asked them to verify what happened, and I receive the answer that I didn't make any mistake and that the crypto.com team would verify and get back to me ( which never happened ). 

Today, XX/XX/2022, after more than 90 days, I decided to ask them again, but now they say they don't support that type of transaction and I lost my money. 

I won't wait for more than 90 days without an answer. 

The link below provides the transaction hash : XXXX XXXX XXXX I've uploaded a pdf with all the conversations I had in the past with them, especially where I ask if I did any mistakes, and they confirmed I didn't, where they have a dedicated team that can search and possibly retrieves the funds if necessary! 

I appreciate any help on this matter!
Consumer complaint received 2022-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (MI)

I was XXXX  days late in making a payment on my loan therefore I owe {$520.00} I put in a one time payment for XXXX on upgrades website on XX/XX/2022 on XX/XX/2022 I received an email from upgrade telling me that they disabled my payment and the only way I can rectify this issue is by signing up for auto pay for the {$520.00} I do not have {$520.00} at this time because I am on long-term XXXX  waiting to have XXXX. Then on XX/XX/2022 I receive another email from upgrade saying that immediate action is required and i am XXXX  days late and I have to pay the {$520.00} immediately.
Consumer complaint received 2022-06-01
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. (SC)

XXXX accordance with the Fair Credit Reporting act XX/XX/XXXX Account XX/XX/XXXX XX/XX/XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXX/XX/XXXX # XXXX has violated my rights. 

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
Consumer complaint received 2023-05-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX I signed a refi on my property via a broker and XXXX witnesses at XXXX XXXX XXXX XXXX of XXXX XXXX to be picked up with XXXX XXXX due to machine problems Picked up check/over XXXX missing told credit score and 30 mins before closing received call from agenct stating credit score slipped more in interest. Demanded closing dics again machine problems, Docs TO BE MAILED. 
Never received copy of XXXX mortgage or closing Documents/ Finally told ALL DOCS LOST IN HURRICANE WILMA On XX/XX/XXXX a {$160000.00} mortgage closing took place at XXXX  XXXX XXXX XXXX XXXX XXXX without XXXX XXXX XXXX, comscent and authorization of any kind. The same notary on the XX/XX/XXXX mortgage is the same notary on the Fraudulent XXXX mortgage. Also present at this XXXX closing was a witness who also participated in the XXXX closing. All done via IDENTITY THEFT I have documents that spell out " A SCHEME TO DEFRAUD '' On XX/XX/XXXX I found out the truth and upon further inspection of the clerk of XXXX XXXX XXXX found the following facts a, Discovered a XXXX {$130000.00} Mortgage electronically filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Phone call to XXXX XXXX XXXX who forwarded an an unsigned settlement statement d, Found {$11000.00} theft in XXXX mortgage e. Electronic filing of a fraudulent mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX f.After too many calls to Town & Country was able to bring the XXXX closing Documents safe RETURN from XXXX XXXX ALL XXXX pages. 
g.Confirmation of the XXXX mortgage THRFT was confirmed witg a signed settlement statement that dame back from XXXX XXXX. 
And all done with DELIBERATE DECEPTION OF DOCUMENTATIONs. 
Was I Profiled?