davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I have sent to two letters to Equifax to validate 4 reporting closed accounts or collections on my credit report. First letter was sent on XX/XX/19 and Equifax responded on XX/XX/19. The second letter was sent on the XX/XX/19, and Equifax responded on XX/XX/19. I stated in both letters if they can't verify these accounts which would be a original consumer contract with my signature on it, to respectively delete it. Both of their response has been that they have verified with original source or creditor without no proof. Even though they are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. I have demanded proof and haven't received proof but they are still reporting these accounts. Not to mention several of these closed accounts are still reporting to my credit report which is negatively impacting my credit score.
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

In XX/XX/2021, I received an email from Citigroup that I owe them {$60.00} in relations to the Citi/ AAdvantage credit card ending in XXXX, which I have never used. I called the bank and talking to an associate he said that this amount concerns the AAdvantage credit card. He told me he closed the account and I do not owe anything. I never received a confirmation email, and I trusted him. 
On XX/XX/XXXX, I receive another email from the bank suggesting that I owe them {$99.00}. At this stage, I made a payment and closed the account using the automated voicemail. Calling back to confirm, the automated voice mail indeed suggested that the account has been de-activated. 
On XX/XX/XXXX, I receive another email from the bank that I owe them {$60.00}. 

This is simply ridiculous! In all other banks, when I want to close a line of credit, this is completed relatively easily. This behavior is fraudulent, absolutely a scam. I do not trust working with the bank to get this resolved and I hope you can help me close the account. I refuse to pay any amount after my last payment on XX/XX/XXXX when I deactivated my account.
Consumer complaint received 2021-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

XXXX have sent me a letter from XXXX that they say the debt is mine and when the last payment was I did not make the payment in the letter they claim XXXX XXXX XXXX  have deleted this debt It's fraud not me thwu don't have my Id or a signature of me signing for the debt or a contract on any of the sales on this debt because it's fraud Also this debt is passed statue of limitations The proof is in the upload documents The letter from XXXX  that states a payment I didn't make it and.its passed statue of limitations
Consumer complaint received 2021-04-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2023-02-20
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. (OH)

Hi! 
Thank you for reviewing my issue. 

I have two major unknown errors or thefts on my transunion credit scores. I seen that under the alert section today. I see an unknown address on my report- Date is XXXX. It shows XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Co, XXXX. Never been there or has anything to do with it. 
Second, I see an unknown Account as well which shows balance of {$420.00}, account number is XXXX. I am not sure why it is there and who's info. is on my account or who is using my account?! It shows date of XXXX, 2023, so it is recent! 
I hope this gets resolved. 
I also don't see any clear explanation for drop in XXXX credits points. 
I hope this issue gets resolved soon as I'm worried about my account privacy and credit scores!
Consumer complaint received 2023-01-13
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. (CA)

XXXX XXXX, A CELL PHONE ACCOUNT WAS OPENED ON XXXX XXXXTHIS ACCOUNT IS REPORTING ON MY EXPERIAN ACCOUNT INCORRECTLY . THIS ACCOUNT DOES NOT BELONG TO ME.
Consumer complaint received 2021-04-04
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: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX I sent a check in the amount of {$2000.00} to settle a charged off debt owed to American Express. On the back it stated " By cashing this check you agree to remove this debt from all credit reporting agencies in XXXX XXXX. This also resolves my entire debt with American Express and XXXX XXXX XXXX XXXX. with this final payment. This is called XXXX and satisfaction agreement. '' The letter explained the complete transaction including file numbers and account numbers. I provided ID, proof of residency and proof of said transaction. 
At this point the account has not been removed or even labeled as disputed. 
I then sent letters of complaint on XX/XX/XXXX to XXXX XXXX XXXX XXXX  stating the same and requested the removal of the account with no response from any of the agencies. I sent these letters return receipt requested so I can confirm they received them. I can provide copies of the receipts if you need them. Thanks in advance for your help with this matter.
Consumer complaint received 2022-10-31
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. (TN)

negative collections remove now!!! XXXX XXXX acct # XXXX {$7400.00} and XXXX XXXX acct # XXXX {$100.00} These collection payments must be removed asap, These negative medical accounts are also in violation of the Health, Insurance, Portability, Accountability, Act ( HIPPA LAW ) 1996. I have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and i have reported these errors to Equifax, XXXX, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. Thank you XXXX XXXX
Consumer complaint received 2021-04-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (VA)

My prior VA Loan servicer, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, sold my mortgage to Freedom Mortgage in XX/XX/2021. Prior to the sale of my loan, I had made one regular mortgage payment and two additional principal-only payments to XXXX. Freedom Mortgage refuses to update the transaction history to apply the payments I made to my prior servicer to my mortgage account. Additionally, I made a mortgage payment to Freedom Mortgage on XXXX XX/XX/2021 and an additional principal payment to Freedom Mortgage on XXXX XX/XX/2021, which Freedom Mortgage originally applied to my loan balance but since reversed and now refuses to apply to my loan balance. Instead, Freedom Mortgage has reallocated some of my prior principal-only payments to future mortgage payments without my authorization. I have called Freedom Mortgage more than twelve times dating back to XXXX XX/XX/2021, spoken to numerous supervisors and agents, and my loan detail remains incorrect. The last conversation I had with a Freedom Mortgage representative ( XXXX XXXX XXXX on XXXX XXXX 2021 involved Mr. XXXX telling me that I should not worry about the accuracy of the payment history as long as my credit score is not being negatively impacted by all of Freedom Mortgage 's errors relating to my account. I wholeheartedly disagree and know that I should not be paying interest on principal that I paid off dating back to XX/XX/2021.
Consumer complaint received 2015-04-13
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

I closed all my accounts over a year ago.  Recently the bank sends a collection notice regarding XXXX of these accounts with a warning that they are going to close them.  These accounts were custodian accounts that was closed over a year ago, that had both my name and my daughters name on it.  Apparently, they must have left them open and continued to withdraw fees from it.  the amount they stated owed were XXXX and XXXX.  It appears that they can control anyone's account even after it is supposed to be closed.
Consumer complaint received 2022-10-31
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. (CT)

I am a natural person, I am a living human being, and I have right under 15 USC 1681. 

XXXX is governed by USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX, TransUnion, and XXXX written permission to furnish these accounts. I reached out about my accounts and wrote letters that have not been deleted. I sent a letter to XXXX, TransUnion, and XXXX here is my tracking number... However, the credit bureaus said they completed an investigation and everything is 100 % accurate. 

I also have received removals from one credit agency but not the other agencies. In accordance with the Fair Credit Act, everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The grounds for removal they also violated my rights under 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 an account without my written instruction XXXX  ( both accts ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accts ) XXXX
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (NY)

I tried to call Spruce few times and I was never able to speak to their representative. I emailed them shown below. 

I am a former XXXX XXXX customer and my account has been acquired to your company few years ago. My lease number was # # # # from XXXX then I was assigned to agreement number # # # # upon Spruce acquisition. There are few issues on the recent invoice XXXX and other general issues as below. 

1. Starting this month, I received the invoice with a new Agreement number which is XXXX. I was aware of the change thanks to a letter sent to me last month. Now, the problem is you are billing me {$170.00} instead of {$160.00} which was agreed on the original lease. I see that Spruce began adding State , County and District Tax for the first time. However, the lease agreement states on 2.2. ( b ) Based on current tax rates as of the date you are signing this Lease, the estimated personal property, sales and use taxes you will pay on the monthly Lease Payments during the Term are {$0.00}. I was wondering if this additional charge incurred while updating all your account with the new agreement number. Please, rectify this issue and send me the confirmation. 

2. Your data of the lease solar panel production is bogus because it shows the system continued its production during XXXX and XXXX. However, I renovated my home and the system was uninstalled on XXXX. It was out of service until XX/XX/XXXX when it was reinstalled after the construction was completed. How can the system generate the energy when it was off the grid and was on the ground by pieces. 

3. I tried to sign on the newly designed website and clicked the billing button. It did not work. To be honest, I was never a fan of your web portal because it was poorly designed and maintained from the beginning. When your letter with the new Agreement number mentioned about newly designed web portal and promised Call-back Functionality, I was hoping that would make your customer service experience better because it was never the case in the past. But then again, I tried to resolve the issues by calling and leaving my call back number. No one has called back after a day. I am very disappointed. I created another account with a different email address and a new Agreement number. It did not work either. 

4. I received the text from XXXX saying there was a service appointment to confirm. First, I ignored because the caller area code was from XXXX, CA and thought it was a scam phone call. Later, another text sent had mentioned that the work order was assigned by Spruce Finance. I'd wish if Spruce can do a better job communicating with their customers. 

Please, get back to me with the proper follow-up in timely manner. Should you have any questions, feel free to contact me.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AR)

Date XX/XX/23 at XXXX I went to a local chase bank outside there a atm I go to the atm to deposit XXXX dollars which was XXXX XXXX XXXX dollars it took the money In printed out a receipt to call a number saying make sure your deposit was processed i then check my account it wasnt there I go into the bank told them what happened a rep said another customer it happened to I then say why wasnt it a notice on the atm they said it still works but only taking people deposit with processing it so the rep gets my information in does a claim in tells me its gone be 10 business days I said it wasnt 10 days when I deposited my funds I wanted my money now to pay my bills now Im late this is unacceptable in this bank is know for there atm taking customers money which I found out often this happened to me
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

XXXX XXXX discriminate against people with XXXX income they denied my loan because my sister is listed as payee on benefits. This made me feel less fortunate and hopeless. They told me I need to remove my sister name from benefits to be approved.
Consumer complaint received 2021-04-05
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. (AR)

I sent off letters to Equifax back on XX/XX/XXXX, XX/XX/XXXX & most recent on XX/XX/XXXX. I included within my letter to investigate several accounts that were reporting inaccurate. Equifax failed to comply by their company policy to provide me with verification of accounts that has and is still continue to report. I just recently received an updated credit report date stamped as XX/XX/XXXX that still has those accounts on there. It read that the accounts were verified, however I never received any information on that information. Their investigation was not proper handled. I specifically asked to provide me with the furnished documentation that show proof that I own the allege debt. Equifax failed by not providing any information. My creditability to others is tarnishing my reputation and defamation of my character. The accounts that are currently reporting are the following ; XXXX XXXX XXXX XXXX ( Acct # XXXX ) in the amount of {$230.00} dates are XX/XX/XXXX and XX/XX/XXXX ( Acct # XXXX ) in the same amount of {$230.00}. The other account is XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) Date XX/XX/XXXX in the amount of {$190.00}. I have continue to send letter to validate the allege debt that I am accused of owing. I have not received any resolutions to the mentioned accounts.
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

On XX/XX/XXXX, I submitted the following complaint to Merchants & Medical Credit via the CFPB : " On my XXXX  credit report, there is an amount of {$470.00} owed to Merchants & Medical Credit. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion. '' On XX/XX/XXXX, the company responded with : " This debt is for a class in the fall of XXXX. The consumer attended class and received a passing grade. He made an echeck payment of {$300.00} on XX/XX/XXXX. The school says he still owes {$470.00} He has given us no information confirming he was out of the country at the time of this class. We see no reason to remove this from the consumer 's credit report. It makes no sense that someone would make a payment for a class he didn't attend. Nor, would another person take a class that would give credit to someone other than himself. '' For clarification, I have never made any payment towards this account. Secondly, I have never attended the school mentioned. Thirdly, I graduated from university in spring of XXXX from a school I attended from XXXX, and my transcripts show no record of this alleged class being taken. Fourthly, the company states a credit was given for this class, but as I just mentioned, this class is not shown on my final transcripts from the school I graduated from, therefore I never received any credit for it. Fifthly, the company has repeatedly been advised that this debt is not personally mine. This account remaining on my credit report continues to be in violation of FCRA 623 ( a ) ( 1 ) ( B ).
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (TX)

No clue who tis company is. According to my credit report their phn number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX XXXX va XXXX I have NEVER received a letter or a phone call and I have been at he same address for YEARS
Consumer complaint received 2023-02-20
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts that are unverifiable in my credit file. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

Here are the aforementioned accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal limit my access temporarily account for no reason and will not help me with getting it back up and going. I have provided them my identification as well. They are asking me to provide credit card statement even though I havent linked any credit card on my account. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is : XXXX XXXX
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : 1. XXXX Card- Date of Inquiry XX/XX/XXXX 2. XXXX XXXX XXXX- Date of Inquiry XX/XX/XXXX 3. XXXX XXXX XXXX- Date of Inquiry XX/XX/XXXX 4. XXXX XXXX- Date of Inquiry XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (NM)

I recently discovered a credit inquiry from XXXX XXXX XXXX on my Equifax credit report. I did not authorize this inquiry and so I sent a dispute to them on XX/XX/2021 demanding it to be removed from my credit report. I also sent a dispute to Equifax. Both came back verified with no proof. I called XXXX XXXX XXXX  on XX/XX/2021 to dispute the inquiry and a representative stated they had no record of an account with my name or social security number attached. Based on what has happened, XXXX XXXX XXXX and Equifax are in violation of the following laws : FCRA 15 USC 1681b ; FCRA 15 USC 1693a ( 2 ) This is very frustrating and I demand resolution to this matter.