davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (NY)

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

This company Midland Credit ManagementXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and Midland Credit Management Inc Address : XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Calls my phone numbers every few hours daily. They have called family members and neighbors. They have sent a mail regarding an alleged debt to a family member 's home address. 
They call from Arizona, via the phone numbers XXXX XXXX constantly. 
I have no signed contracts or dealings with this company at all. I never have had financial dealings with this company. I am not indebted to this company. 
I want an immediate to cease and desist. Do not call or send any letters to me or anyone they assume I know.
Consumer complaint received 2024-03-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

The debt collection agency leaves the same recorded message every day, at different times : " Calling regarding your XXXX  account. To speak with a live representative. Please press XXXX or call XXXX. Again to speak to a live representative, please press XXXX or call XXXX. Thank you. '' I called that number XXXX, and each time they disconnected me after a short wait to talk to a representative. 
I had canceled my XXXX acct in XX/XX/2023. 
I called XXXX and they confirmed that I was paid in full, no outstanding balance. And yes, they were aware of their name ( XXXX  ) being used by fraudulent debt XXXX.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are incorrect, and it's causing me some unease.
Consumer complaint received 2022-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington continues consistently make Fraudulent Activities on this loan. They had someone put a letter in our mailbox after XXXX pm last night. It was dated XX/XX/XXXX. I got the mail at XXXX o'clock that evening and that wasn't there. My husband check the box after work which was XXXX last night and it was there. It was dated XX/XX/XXXX. The letter had new payment due dates. It is NOW XX/XX/XXXX thru XX/XX/XXXX with a total now of {$15000.00}. The payment went sent on XX/XX/XXXX, they took {$140.00} out for the Property Inspection. So it was not enough for the payment. It was put in unapplied funds. The new letter now shows the property inspection fee as {$20.00}. The unapplied fund amt stayed the same. We tried to make XXXX and XXXX payments. The Account was LOCKED It would not allow us to make those months ' payments. 
On XX/XX/XXXX they said we were PAST DUE for XX/XX/XXXX thru XX/XX/XXXX We sent copies of the CHECKS to show the payments were made. At that time the amount was {$14000.00}. I ask CFPB to have Bank XXXX XXXX send our PAYMENT HISTORY from Years XXXX through XXXX. They sent XXXX through XXXX. XXXX  XXXX XXXX had this loan from XXXX through XXXX. There needs to be a FORENSIC AUDIT on this LOAN. We did not miss a payment. We are been harassed and we FEAR FOR OUR LIVES. This Is called BANK FRAUD. Help us SAVE OUR HOME. XXXX  XXXX XXXX and Carrington SHARE RESPONSIBILITY!! XXXX  XXXX XXXX Transferred the Loan To Carrington. Will Someone, Please put A STOP TO THIS HARASSMENT DO A FORENSIC AUDIT TO THE LOAN!! THIS IS DANGEROUS
Consumer complaint received 2020-06-15
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. (PA)

Citi Platinum Select MasterCard has left me responsible to collect on a dispute for {$1800.00} with XXXX XXXX XXXX Im XXXX, NY who is fraudulent in practices and never completed contracted work that was paid on Citi card. After back in forth since XXXX I contacted XXXX to help in resolving issue with company since Citi decided that I had to take personal action in obtaining refund from company who is non-responsive even before the COVID-19 pandemic. I spoke to Citi a couple times about my issue with how they handled the dispute even making me pay for an additional company to to do and estimate on the work that was not done at my own expense. I have asked Citi to suspend/freeze or place a hold on my account because the only amount I owe is the disputed {$1800.00} to avoid paying interest on disputed charge until the issue is resolved which during the pandemic businesses are closed and I am still responsible to keep my account current by paying interest to avoid default. Citi customer representatives act as if they are taking my information to reopen my dispute which they have not and place me on long holds only to disconnect me which is terrible business practice and abuse of power. I am totally disappointed at their tactics for me to submit to their will to shut me down and not be active in the fight for what is right, just and to protect my financial status. Citi as company behavior is in handling dispute is very low down and foul.
Consumer complaint received 2022-12-19
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. ()

In accordance with the Fair Credit Reporting Act XXXX Account # 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 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

This afternoon at XXXX, I received a call from a phone number ( XXXX ). After I hung up, they called several times back to back. When I finally asked what they wanted, a woman responded that she needed to know where I was at so she can file papers to me, as I had a court order. I was stunned! I didn't know what I could have done for me to have a order against me. 

I was then told that I needed to call the number XXXX, and that my case number is XXXX. When I called, a man told me that he was from XXXX XXXX or something of that nature ( he went so fast I couldn't get the actual name, hence the phone numbers ), and he told me that I was going to be charged for fraud, and that I needed to either negotiate something with them or fight it in court. Obviously I was frustrated, and scared, so I said that I would take care of it with them. 

At first, my debt was around {$840.00} dollars, but then they said since I didn't get any paperwork it would be around {$660.00}. I told them I would do half on the XXXX of this month and the other half on the XXXX of next month. The process was weird ; first off I was misgendered SEVERAL times. I told the other individual that I was a woman and he kept referring to me as " sir '' even AFTER they recorded, which they said they needed to record since that was something they had to do. 

After I gave them my debit card information, and the conversation was done, I did a little research and I found out what they did was against the law! Not only that, but I also gave them my card number which is the main thing I'm worried about, as I am concerned this might be a product of fraud. 

I want them to delete all of my information, not process my card, and if I can get the same amount that they are pursuing, which they threatened to charge me with fraud, I would appreciate it. 

I am filing a complaint to my bank as well.
Consumer complaint received 2020-06-15
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: SYNCHRONY FINANCIAL (OH)

Looks like a SYNCB/Ashley card was opened, I tried to dispute with XXXX, but the dispute results got no where. Do not recall account because the date it was opened I was in confinement in 2016. Documents will further prove I was as well
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$660.00} ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-06-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2020 I set up the AutoPay feature through Bank of America 's eBill platform to pay my XXXX Bank of America XXXX XXXX in full each month using a checking account at another bank. 

I use electronic autopayment for many bills and do not log in regularly to check accounts. I do ; however, set up alerts so that I will be made aware of any unusual activity on the account. 

Bank of America 's autopay failed to pay XXXX bill for {$34.00} by the due date of XX/XX/2020 and on the next bill I was assessed a minimum interest charge of {$1.00}. I was never alerted by the bank that this bill was unpaid or that interest was charged. The autopay again failed to pay this bill by the due date of XX/XX/2020 and I was again charged a minimum interest charge of {$1.00}. Once again, the bank did not alert me to any issue with this payment. 

I was only alerted to the issue by a credit monitoring service on XX/XX/2020, as this account was marked as having a late payment on my credit report. When I logged in to the Bank of America website, I could see no trace of the autopay that I had set up months before. I was never told by the bank that there was any problem with my autopay. 

I called the bank and they were helpful about removing the mark from my credit report. I have spoken to XXXX Bank of America representatives on the phone XXXX XXXX on XX/XX/2020 and subsequently on XX/XX/2020 ), both of which acknowledge that there was an error on the part of Bank of America. They have told me that there is no way that they can refund the interest charges and that there is no one that I can speak to with the power to refund the interest charges. 

I acknowledge that it is a small amount of money in this case : {$3.00} ; however, I find it very disturbing that the bank is refusing to pay back fees that they have collected when they acknowledge that they should not have charged those fees in the first place. Furthermore I was told that there is not even a mechanism in place to refund these fees in the event of an error. This points to a systemic problem with Bank of America. I worry that this bank may be wrongfully withholding fees from many consumers.
Consumer complaint received 2021-07-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have sent certified letters to all three bureaus about one item to be verified and received no feedback or results. The item is : XXXX XXXX XXXX # XXXX. I have NOT had this account.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MI)

On XX/XX/2020 we contacted our mortgage company ( PHH Mortgage Corporation ) to inquire about re-financing our existing mortgage. We have been paying on the existing 30 year mortgage for 19 years and wanted to get out some of the equity to pay off some credit cards. The remaining balance on the mortgage was {$120000.00} and we wanted to get {$25000.00} out after re-financing. Also to get a lower interest rate, since we have been paying 5.75 % for 19 years. After providing all of the requested information over the phone the representative submitted the information for preliminary underwriting. She indicated that it did not pass but could not provide the reason. Initially she thought it was related to the debt to income ratio. But after eliminating debt to income as the reason she re-submitted it, and it still did not pass. She could not give the reason. 

I asked if we would receive something in writing explaining why it was denied. She indicated that we would receive a letter through their secure portal with the explanation. On XX/XX/2020 the Statement of Denial appeared in the portal with only one check mark checked under the category " Other '' it said " Credit application incomplete ''. We provided all the information that was asked of us. We allowed her to pull our credit files and do verification of employment. We have never made a late payment on the existing mortgage. In the absence of any other explanation, I'm left suspecting that we were denied because we indicated that we were of XXXX XXXX  descent. We hope this is not the case, and that your agency can get a reasonable explanation for us.
Consumer complaint received 2022-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have tried several times to REMOVE my fraud alert and REMOVE all personal statements with XXXX, Transunion and XXXX. I need the ALL PERSONAL STATEMENTS AND FRAUD ALERTS REMOVED.
Consumer complaint received 2023-05-27
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/2023 around XXXX hours, we attempted to deposit {$3000.00} in {$50.00} bills. 
Upon doing so, the ATM crashed and gave us a printout stating XXXX XXXX XXXX. 
We contacted the bank, Webster Bank who are stating they only retrieved XXXX {$50.00} bills and there is nothing they can do.
Consumer complaint received 2020-06-15
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: EQUIFAX, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX  XXXX  XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc (OR)

Hello, My name is XXXX XXXX XXXX, I have received a letter from Synergetic Communication Inc, about a dent with XXXX XXXX XXXX, which i have never request a loan to this ban, i have sent a dispute via mail ( I am including Documentation to you as attachment ) Also in the letter, my name is wrongly with them they have XXXX XXXX XXXX, which i don't have middle name on my legal name! Who ever stole my identity did't know my real legal name! Please help me with this scam collecting company to explain this is not my debt and have never get money from this bank!! 
also on Credit report with the 3 credit bureaus this collection DON'T SHOW! So its something weird on this collection as scam! 

Thank you so much! 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, USDOE/XXXX, Dep ED/XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  XXXX XXXX, XXXX  XXXX, XXXX  XXXX  reported that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers and names corrected on my report this is a violation of my consumer protection rights.
Consumer complaint received 2020-04-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (MI)

They are sending my information to credit bureau XXXX and XXXX it is not a loan they are saying trying to collect debt and when i called my health care provider they told me all my hospital expenses where paid and when i called the hospital nothing is showing that i owe anything,, i have not received any statements but now they are putting a collection notice on my credit bureau ... as of this were a loan ... this is not legal ... and i do not know how they can do this ... i do not owe any debt to LJ ROSS AND ASSOC XXXX MI ... XXXX XXXX XXXX ... please help thank you
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Betterment LLC (MA)

On XX/XX/2024, XXXX EST, XXXX, Senior Operations Associate ( Betterment ) sent me the following email, " After reviewing your account, we have determined that our platform and services are not a good fit for your needs, and have terminated your client agreement. '' Betterment closed my account and should returned the money back to me automatically. 
However, that's not the case. After that day, XXXX asked me to provided some documents and I sent the documents to betterment via the link they provided. I sent many email to track the progress and everytime I got the response like " we are waiting for our bank partner XXXX to process ''. XXXX days later, I did not get the funds back from betterment.