davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WINN LAW GROUP, APC (CA)

I have been attempting to ask The Winn Law Group for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. 

My representative contacted The Winn Law Group for help and offered on my behalf {$800.00} dollars to settle in full, but they simply demanded I hand over {$1100.00} to settle this account. Unfortunately, I dont have {$1100.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} ( please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt XXXX XXXX XXXX and that the regulators see what The Winn Law Group is doing to consumers, even low-income student. 

Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/ I sent a factual dispute to all 3 consumer bureaus XXXX XXXX XXXXXXXX is reporting date last active is XXXXXXXX XXXX is reporting date last active is XXXX transunion is reporting date last active is XXXX this is inaccurate reporting which is violation to the FCRA
Consumer complaint received 2022-02-24
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: LEXISNEXIS (AZ)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2020-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello On XX/XX/2020 had a purchase at XXXX XXXX, They supposed to wrap my car, after short time I have decided to do it, because the car was leased The Merchant has returned the full amount ( XXXX ), The credit card company didnt resolve the issue yet .I have uploaded sale receipt and return receipt
Consumer complaint received 2020-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (MO)

I had this account with XXXX XXXX that was being collected by Account Resolution Corporation. I had sent this collection agency an electronic message via their online portal offering a settlement to delete their reporting and received no response, Afterwards I contacted XXXX XXXX and paid them in full and they would recall it from the collection agency as it was paid directly and would be removed. I also sent Account Resolution Corporation another electronic message via their online portal and also no reply. Instead Account Resolution Corporation has updated all 3 credit bureaus that I paid them directly and it remains on the credit reporting causing harm. I did previously have a cease and desist contact to the company but in my electronic communication I specifically stated they could respond to that request only.
Consumer complaint received 2022-02-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (MI)

I was called by a debt collection company, they didnt say the company name not could I be told what the original debt that I supposedly owed. The company wanted me to give them my information so they could verify why they were calling me because the representative didnt know. I never received written notice about the debt I supposedly owe and a original debt holder is not listed on the account that was put on my credit report.
Consumer complaint received 2022-02-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

Hello, I have been a customer with U.S. Bank for over 10 years. Yesterday I tried to send money using the XXXX portion of their app when I found out that I was unable to send any money out. At first I thought it may have been a send limit issue, but I didnt send too much money out during this timeframe to trigger such action. After calling a few representatives and even going into a branch to see what the issue was, I thought there was nothing wrong. I call the accounts review this morning to find out that my account is in process of being terminated without any reason given whatsoever. I was contacted by someone in the company a few months back to ask me about my banking and spending habits for security and money laundering purposes. I told them about every single thing I do with my bank and had no problem going into detail about every transaction I have made. I either send money to my spouse to cover bills or rent, sometimes just to send money, or I send it to another bank that I OWN because maybe my account balance is low, or I pay bills from that particular account. Maybe I just want to send money to that account. Just like I send money to this account. There are three people who get money sent to them from this account, my spouse, my mother in law, and myself. My account is being closed all because someone suspects me of doing something illegal which I am not. My account information isnt even updated in the system to reflect that I have a full time job with a company that I have held over 4 years with enough salary to have the type of money I have, to make these transactions. Their system still shows I work with a previous employer although I mentioned this was outdated with your staff who asked me all about my life and habits. I am extremely frustrated with the way usbank has treated me in regards to this situation because there are people with way more money than me and Im sure you dont go into depth with them about their information. I almost feel like there is some type of discrimination because of my class and that because I dont make enough money like wealthy people do I dont deserve to use my money how I like. I have been with you for over 10 years and to just be swept to the side like this says a lot of negative things about how you really value the average customer. I used XXXX quite a lot but I have never sent money for no fraudulent or illicit purposes. I would like to demand my account be restored to its original condition and be treated like the customer I am. Fairly and honestly. I have never received any issues like this from the other banks I use and I appreciate them despite me being with your bank the longest and still being treated unfairly. To live in a state thats very expensive and costs of living is high, am I not supposed to have a lot of money?
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

On XX/XX/2012, Ocwen, as loan servicer for XXXX Bank, committed fraud on the court and on XXXX XXXX and XXXX XXXX, when they filed a fraudulent foreclosure action against the XXXX. 

Ocwen knew, or should have known, that they had, in response to a CFPB Complaint filed by XXXX XXXX, that XXXX Bank, through a letter sent in response to XXXX XXXX CFPB Complaint, had admitted that neither XXXX Bank nor Ocwen had ever owned the XXXX XXXX Mortgage and Note.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX -- Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in XXXX  days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " XXXX  years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within XXXX  days or delete the trade-lines.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Today, on XX/XX/2020, I received an alert from XXXX that Best Buy Citicard reported  late payments. I closed my account on XX/XX/XXXX and at the time, I was not aware of any pending payments. My account is on autopay, so I didn't think twice about it. My last statement from the bank was on XX/XX/XXXX, so I didn't realize there was pending payments. The bank never sent me statements after closing the account and I was current with all my payments at the time of closing. I called the bank and rep could not tell me what was the pending charges. Kept insisting if I make the payments on the phone, she will waive last month 's fee. But I wanted to know what the charge was for as I didn't know there were pending payments and she kept saying it's for late payments. 

Initially I was unable to log in to my account as I could not log into my account. So I really needed the rep to help me with that. Finally I was able to access my account after finding my credit card still in my drawer and reset password. If I had received statements as it was sent regularly or if the bank had used autopay option set on my account, I would not have incurred lat payment. I am looking to refinance and it's really important that I don't have any new negative remarks especially when I have tried to keep up with all payments.
Consumer complaint received 2020-04-09
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. (CA)

I bought a travel package from XXXX on XX/XX/2020. On XX/XX/XXXX after I tried to contact the XXXX XXXX XXXX  ( with no avail ) because they did not send me the locations of the hotels that they promised, I contacted Citi Cards and via XXXX message ) to reserve the charges as I did not believe that this was a legit company. On their website it indicated " if the charge was still pending authorization, it will be credited back. That did not happen. The XXXX} was charged on my credit card. I opened a dispute with Citi Cards and sent them all necessary documents. Then on XX/XX/XXXX they send me a letter with attachments from the merchant, with the signed agreement ( which was never signed by me ( THEY FRAUDULENTLY SIGNED MY NAME ) and they sent a copy of a FRAUDULENT Drivers license all the information redacted including the picture of the drivers license with my name at the bottom ( handwritten, not signed ). I quickly responded to Citi Cards telling them that this is not my signature or a copy of my drivers license and sent them a copy of my drivers license for verification. I indicated to them that this is fraud and they need to do the right thing. Finally, after 3 months of back and forth with Citi Cards I received a letter from them today, basically saying that they will not reopen the case again and that the charges stand on my credit card. I contacted them by phone and was told to file a complaint with the Federal trade commission. Citi Cards did not do the right thing investigating this fraudulent charge and they don't want to deal with it. I have been a loyal customer of Citi Cards for 30 years. I have all documents to support my case if you would like to look at them. Thank you in advance for your help in this matter.
Consumer complaint received 2023-06-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XX/XX/XXXX, I used Bank of America XXXX XXXX credit card to purchase hotel stays on lastminute.com. The total amount was EUR XXXX. 

However, the posted transaction on my credit card with an amount of USD XXXX is an erroneous charge to my credit card. Here is why : XXXX  XX/XX/XXXX, XXXX XXXX rate for XXXX XXXX is around XXXX, please verify it by looking up historical public currency exchange rate. That means, the amount of this transaction is supposed to be USD XXXX instead of USD XXXX ; I was overcharged USD XXXX. 

I initiated the dispute with Bank of America XXXX XXXX Bank of America didn't investigate but closed the issue quietly. 

Additional reference for XXXX exchange rate : https : XXXX
Consumer complaint received 2020-04-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

LoanCare is not offerning deferments on customers mortgage loans. Instead they are offering forbearance on loans for 60 days. And will double the amount of payments to place customers in a position to be foreclosed on their homes. They're practices is illegal and needs attention too. I have called them several times on this matter from XX/XX/20 to XX/XX/20 to tell me they are too busy to accept calls at this time form their mitigation department. This company is not following the federal guidelines for this emergency situation that's going on with Covid19 pandemic. This will hurt people lives, families that are going to become homeless with this companies cruel practices.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX, KY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX OF XXXX XXXX XXXX : {$5100.00} ; 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 2020-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have a credit card on my trans union and XXXX  credit reports from XXXX. I believe this is a XXXX credit card however I do not have a XXXX credit card so this does not belong to me and it is showing a balance. 

The account says it was opened in 2015 but I hadnt noticed it until now, the report balance on the card is XXXX. I dont want this account open in my name or to be associated with the balance, it is not mine.
Consumer complaint received 2022-02-23
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)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian I asked Experian to verify collection account reported by XXXX XXXX Account # XXXX. Experian responded with account has been verified by the XXXX XXXX I contacted XXXX and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ) .When, XXXX XXXX responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that XXXX XXXX had purchased the debt, but did not provide any additional information spelled out in under " Spears v Brennan '' I forwarded this information to Experian and requested a re-investigation under 15 USC 1681 along with response from original creditor and XXXX XXXX ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX ''. My recent credit report from Experian still shows the " Unverified '' account on my report. 

15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023, I sent letters to XXXX, XXXX, and Experian to correct errors currently on my credit reporting. I was advised they have looked into it, however, it's still showing on my credit reporting.
Consumer complaint received 2020-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I was victim XXXX XXXX and was take to hospital all expenses were part of a claim with NJ victim comp fund claim # XXXX this company did not submit bill in a timely fashion and claim is now closed I am not responsible for this bill