davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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. (AZ)

I am verry concerned I have been following my credit report for the last 3 months vigorously to improve my consumer report. Today I receive a notice that a collection has been added to my account. One that I have never heard or seen about. The original company is 12 XXXX XXXX now sold to XXXX XXXX. 

Please investigate this account as it says it was oppened XX/XX/2023. My Transunion has a fraud alert and so does my XXXX no one should be able to open this types of accounts without calling me. 

Theres is no account number listed on my credit report.
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (CA)

I cancelled a home improvement contract with XXXX XXXX in writing before they began work on my property. The contract was signed on XX/XX/XXXX. I wrote to cancel on XX/XX/XXXX and after receiving no response, again on XX/XX/XXXX. I stated in the terms of cancellation notice that they could keep the {$1000.00} deposit I paid, but that I no longer wanted to proceed with the project. They called me over the phone and said that I owed them more than {$10000.00} for cancelling the contract. Later, on XX/XX/XXXX, I was contacted by mail by FCR Services requesting {$10000.00} on behalf of XXXX XXXX. I responded to FCR services by mail on XX/XX/XXXX to dispute the debt. I told them that because XXXX XXXX never attempted to collect this debt via mail and never sent me an invoice that this debt was not valid. They never responded to my letter, but now, on XX/XX/XXXX, I received multiple voice mails from different people at FCR services attempting once again to collect this debt.
Consumer complaint received 2023-03-07
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: Self Financial Inc. (TX)

I have an open account with your company Self Financial that was opened a few years back. Unfortunately, in XXXX of 2022 I was 30 days late. I have tried to ask for a goodwill letter based on the long-standing relationship I've had with Self and the fact that I was in a tight financial situation, but I was not very successful with this request. I am hoping that by reaching out to someone of higher authority that you would be able to assist me with getting the late payment removed from my credit report as it is causing me extreme hardship. I do believe that customer service is limited as far as customer requests are concerned, and I know that they are only doing their job. I want to insert that paying late was not intentional and I have been current ever since and my credit report will show that. We are all human and sometimes have misfortune, and I am asking to be forgiven for this mishap. I have really enjoyed my relationship with Self and would love to continue doing business. I hope that you can forgive my shortcomings and help me with this late payment removal. I really hope to hear a favorable outcome from Self Financial. Thank you for your time.
Consumer complaint received 2023-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

Hello I am submitting this complaint as it regards to refund of student loan payments made during the payment pause. I have submitted a refund request through Aidvantage on XX/XX/XXXX for the refund amount of {$8300.00} that was made during the payment pause. Initially I was met with a very helpful lady ( XXXX ) that sent in an expediated request and was told that it would take 4-6 weeks to receive a refund. She was doing this for me as I had already submitted a refund request with my previous servicer XXXX XXXX on XX/XX/XXXX but that was not completed prior to being transferred to Aidvantage. After the 4-6 week time frame had passed I contacted Aidvantage again for an update and was told it would take 6-8 weeks from the time the refund was approved through Aidvantage to receive a check from the Treasury Dept. I was given the date of XX/XX/XXXX as the date it was approved. It has since been over the 6-8 week timeframe yet again and I would like to get clear clarification on where my refund is. I have remained patient throughout this process but have now waited 6 months ( 3 with XXXX servicing/ 3 with Aidvantage ) I need an update immediately thank you.
Consumer complaint received 2023-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (TN)

XXXX - initial complaint This is an additional complaint regarding an illegal repo from XXXX XXXX XXXX XXXX XXXX XXXX after a billing error complaint to XXXX. Repo occurred after XX/XX/22 statement included approximately 2 payments labeled past due but month before statement showed 0 balance past due. Error was brought to XXXX attention and verbally escalated to intent to sending in writing and repo happened after consumer being told that error was fixed and before 60 days were given to submit it writing on XX/XX/22. Illegal repo along with personal belongings being held. Absolute refusal to access to personal belongings. XXXX repoed vehicle and sold vehicle and send demand letter for {$29000.00}. Complaint was filed with Consumer finance. I have now received a demand letter from {$29000.00} From GC Services Limited Partnership identifying themselves as a debt collector. Stating they are trying to collect a debt that I am being accused of owing XXXX XXXX XXXX XXXX XXXX. Information regarding this harassment letter is as follows : GC Services Limited Partnership XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX GC NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Account- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is practicing Rackteering committing extortion and coercion violating RICO act. This is a clearly a repetitive behavior that has already been addressed by the consumer financial protection agency that identified XXXX guilty of hundreds of illegal repossessions as well as other things. This is a true example of this criminal organization engaging in a repeated illegal behavior. This should be investigated by those who have not accepted bribery from these criminals who have some reason to believe that they can violate the RICO act, not adhere to Consumer Protection Law, and expect no consequences when continuing criminal behaviors.
Consumer complaint received 2023-03-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (DE)

Trying to sell our home- we have a VA loan with Loan Depot. According to our closing documents, the loan can be assumed by the new buyer. Called and spoke to Loan Depot and were told that the process can take up to 180 day ( 6 months ) due to all the paperwork involved and the communication back and forth with the VA. 

I spoke to the VA and what Loan Depot is doing is wrong- they are purposely DELAYING the process due to the fact that they only get {$300.00} in origination fees and we have a low interest rate at 2.25 %. All the paperwork for the VA 's concern is done POST CLOSING! 

Loan Depot would rather the new buyer take a conventional loan because they will not make their money on this assumption of our mortgage. 

I called to ask for an expedited process for the assumption, but was told - " that is the way it is. '' As a result, we will lose the sale of our home as well as lose the home we are building because they delay this process for their convenience. Why? Because they CAN! And we will be homeless - that is NOT something the VA wants. All because Loan Depot CAN! 

Current mortgage rates are high and the process for a conventional loan would take LESS that 45 days to complete AND CLOSE! Yet, if you are assuming a loan- all you have to do is qualify- like you would for a conventional loan. Absolutely NO REASON for this time delay. 

I have names of folks I spoke to both at Loan Depot as well as the VA. I logged all the converstaions.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MN)

On XX/XX/2023, a complaint was filed with CFPB, with complaint ID XXXX. In this complaint, a Citi Accelerate High Yield Savings Account was opened under the " Leveled Bonus Offer '' promotion, where {$450.00} was supposed to be awarded for depositing $ XXXX in funds, over a defined period of time. 

Citi responded on XX/XX/2023 saying that I was not " targeted '' for this promotion, and so am not entitled to the {$450.00} bonus. I now attach to this complaint, the screen captures I obtained from using the Citi App on my mobile phone, after logging in ( I have a Citi Credit Card - that is why I had the app and was able to log in ), that show I was solicited to apply to this offer. I also attached the confirmation email I received from the offer, and the detailed terms and conditions. 

To my knowledge I have fulfilled all of the requirements of the offer and was " targeted ''. I look forward to getting a positive resolution to this situation.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

It will be a year in two months this account has been frozen. No one has reached out or return phone calls. 


On XXXX I spoke with a unknown woman from Citizens Bank. She stated that my Business checking account with " XXXX XXXX XXXX XXXX XXXXXXXX XXXX " was on hold because my business address didn't match, she also stated that my license number didn't go to anyone, she questioned me about why i get my license in XXXX of XXXX. She also stated my ssn wasn't registered to a person. This unknown woman stated once I went to the bank to fix errors she would release my funds. Once i went to the bank I filled out a w-9 form, I gave the banker a copy of my drivers license and ssc. The banker brought to my attention that the first 3 numbers were different in the system than what was showing on my ssc ( updated ) Human error. Also he ran my drivers license number and it came back valid. I don't understand why this unknown woman lied and said my license weren't valid. I contacted the unknown woman back. The text messages are attached. Please look at attchments. This woman lied to me she did'nt release my funds like she told me she would. I've been trying to reach out to unknown woman she will not return my phone calls or text messages now. I sent this person personal information via text message I'm not even sure if this is legit at this point. All I want to know is wny my account on hold and why am i being investigated. I feel this is XXXX profile for the fact this unknown person stated she doesnt understand my bank activity. ( This is my bank account therefore my banking activity has nothing to do with anyone as long as i'm not commiting fraud. ) My company did a background check on the iphone cell phone XXXX. The background check shows a XXXX XXXX or XXXX XXXX as the owner. Email address XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
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)

I am a victim of identity theft. I have identified account transactions that do not relate to any transactions made by me. It is evident that my personal financial information has been compromised and used without my consent or knowledge. Under federal law it is considered identity theft to use a persons identifying information without their consent. I am notifying all agencies who is reporting this account information to remove it from my name and any records pertaining to me. 

I have competed an identity theft report, with instructions, and identification which is attached to this complaint.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PayActiv, Inc. (MN)

Call XXXX time end my card was stolen and they were unauthorized charges I filed a police report and I was told that I would be given a provisional credit while I waited the 10 days by law they had 10 days to credit my account it's been 15 days and I have not provided me my provisional credit while they continue their investigation I done everything the basket investigation and they are breaking the la
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MI)

Received a XXXX XXXX card with a XXXX credit line. I did not apply for this card. I called Chase and closed the card and reported it was fraud with the Credit card company. I also did a credit lock at XXXX.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

The creditors and credit bureaus are getting away with XXXX  people. The problem is and has always been with the reporting they do. During the 2020 pandemic the creditors and bureaus should have had a freeze on how they report. Take my situation for instance. Creditors started closing credit cards that were in good standing and causing my score to drop. This should not be the case if my cards are in good standing. If they are going to close a card that is paid off or in good standing for none use it should not affect my credit scores. Someone has to put a stop to this madness. How can the government make them change their policies that are hurting hard working American 's? In short, if an account is closed due to not paying etc. this should affect the individual, but if a person pays their bills and the account is good then a company 's option to close the account should not affect the individual. This double edge sword has to be stopped. Protect the little credit people are holding on too. I am so stressed because I'm doing my part and paying my bills and still my score is getting hammered. I will be the working homeless because no mortgage company will ever give me a loan with a pitiful score. Thank you for reading my struggling pain.
Consumer complaint received 2023-02-28
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: Nelnet, Inc. (GA)

I recently checked my credit report and notice that XXXX, XXXX XXXX  XXXX are listing a student loan listed on my credit report from the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Account number XXXXXXXX XXXX  XX/XX/XXXX  The two accounts listed are not my accounts under the Fair Credit Reporting Act the Accounts listed needs to be validated and the proof of promissory note and issuer signature. you have 30 days to present the items listed ; I demand that both accounts needs to be permanently removed from all three credit reports.
Consumer complaint received 2023-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

I filed a dispute with XXXX, but I am not convinced they proved it was my debt. My ex-husband was a current XXXX customer when we divorced 20 years ago. I used XXXX and still have the same number XXXX. The debt is attached to a different phone. I was never shown the original contract with my signature on it. This debt is not mine. Further, I am a current XXXX customer and have been for several years. I am current on my payments. How can this be my debt. 
XXXX ref # XXXX.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

Citibank did not send monthly statement. I did not know credit card had a balance. Because I was not sent a statement and did not make a payment Citibank charged me interest on the balance and a late fee for not making a payment on time. This is clearly a scam to charge interest and late fees.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2022, a XXXX transfer of {$220.00} was made to my account without my authorization. I reported this fraudulent transaction in person at my local TD Bank branch and filed a claim for reimbursement. After a delay of several weeks, I received correspondence from TD Bank denying my claim without much detail. At the time I reluctantly accepted that decision assuming I had no recourse. However, I recently discovered an article in the XX/XX/2022 edition of XXXX XXXX XXXX XXXX ( copy enclosed ) that reported the following : Banks are not repaying customers who contest unauthorized XXXX payments. This practice potentially violates federal law and XXXX XXXX XXXX XXXX ( CFPB ) rules. 
XXXX claims to have a XXXX-liability policy for cases in which a bad actor gains access to a consumers XXXX account and uses it to make unauthorized payments. 
The Electronic Funds Transfer Act ( EFTA ) and the CFPBs Regulation E require that banks repay customers when funds are illegally taken out of their account without authorization.
Consumer complaint received 2023-03-07
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. (GA)

XXXX XXXX XXXX Acct : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Acct : XXXX, XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX XXXX Acct : XXXX, XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX  Acct:XXXX, XXXX XXXX XXXXXXXX Acct : 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 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.
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

This is the 5th collection agency that was contracted by XXXX to attempt to collect.Please see attached letter from AFNI, all 4 of the previous collection agencies were never able to verify the debt. Please refer to my original complaint XXXX XXXX That was the 1st three, than the 4th, XXXX XXXX see complaint number XXXX.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Agreement Number : XXXX Per FCRA as a federally protected consumer I am now opting out any and all authorization, that I the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6802.

Furthermore, review attached documents
Consumer complaint received 2023-02-04
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. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX XXXX said he was going to buy 2 cars for us in an auction, he received the money and never gave us the cars, now he does not answer our calls. He has 13 open cases in MD court. He is a professional scammer.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and delete them from my file right away 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (AL)

Medical Data Systems is reporting a collection account on my reports that I have disputed for some time now. I never received any notice of this debt or that it would be reporting on my credit reports. I have contacted Medical Data Systems regarding this account and have never heard anything back. Per the FCRA, the consumer must be notified of any accounts that will report on their credit reports and it is the responsibility of the consumer reporting agency to report accurate information. I am demanding that this account is deleted from my reports as they are in violation of my rights as a consumer.