davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
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. (TX)

On XX/XX/2020 I notified XXXX XXXXXXXX XXXX and paid off a debt of {$980.00}. I was assured by XXXX XXXX XXXX that they would in fact reach out to the CRA to have this negative collections removed from my credit report. As of XX/XX/2020 this is still reporting on my Equifax credit report.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Recurring debit : XXXX XXXX XXXX XXXX Completely fraudulent. Bank of America wants me to call customer service ( XXXX ) XXXX to file a claim, close my account, and issue me a new debit card as a singular resolution to the issue. 

Unable to put a stop on the recurring erroneous transaction.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

I applied for the sba loan is was approved for the amount of XXXX. Setup my account for direct deposit. After I set up my direct deposit with the bank I have which was XXXX XXXX at the time. I received an email from my loan office that I could not use that account because they are having to many problems with fraud. So I open an account with td bank. My loan was deposit on XX/XX/2020. I had access to my money that morning. At XXXX XXXX  that day I went to an atm to withdraw cash to pay for thing that I need for my business the card declined and it said stolen on the Atm. That morning I withdrew XXXX. At td bank. So I call the 1800 number on the back of the card to speak with customer service I was advice I had to go to. Local branch with my Id and my paperwork for the loan. By the time I was able to talk to someone it was after XXXX so I went to the local branch on the next business day XX/XX/2020. I was told by the teller that the paperwork work that I had I couldnt which was my loan paperwork my ein number and my Florida Id and accountant information. She told my that I was not going to be able to get no money out of that account and I still will be responsible for that loan. If I responsible for that loan I need my money Im contacting my lawyer ASAP How can your complaint be satisfactorily addressed? 
Not satisfied
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (LA)

I have been trying to resolve this debt collection for about a year now. Finally someone picked up the phone today and I let them know that I wanted to settle my account but they said they had to transfer me. As soon as they transferred me, the next person gave me a number to call that is disconnected. There are many things I would like to do that I cant because of this being on my credit but they arent giving me a way to settle it or make a payment. I tried calling back the original number and now no one will answer.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX  should not be reporting a collection/chargeoff in the amount of {$3600.00} on the XXXX XXXX XXXX - partial account number XXXX ; and {$420.00} partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts were incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctors to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. ) I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-08-12
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: DISCOVER BANK (OH)

Checked my XXXX XXXX  and send a unauthorized hard inquiry and I never applied for any credit products for discover bank. Called and they still havent removed from my credit report.
Consumer complaint received 2020-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First Federal Credit Control, Inc. (FL)

SO THIS IS A GREAT XXXX, THE ISSUE IS I NEVER KNEW ABOUT THIS DEBT WAS SENT NO INFORMATION JSUT SHOWED UP ON MY CREDIT REPORT, I AM ASKING THAT THIS BILL BE SENT TO THE VETERANS AFFAIRS OFFICE AS I AM A VETERAN AND THE COVER ALL PRIVATE MEDICAL BILLS. THAT THEY REMOVE THIS AND ALL LATE REMARKS FROM MY CREDIT REPORT, AS THEY REPORT EACH MONTH I AM LATE.
Consumer complaint received 2022-10-31
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: ENCORE CAPITAL GROUP INC. (TX)

In 2019 I discovered a XXXX XXXX card, a XXXX XXXX XXXX, and a XXXX XXXX card had been taken out in my name and had been used for a long time under my name. It now has gone to collections and is damaging my credit score. I have a police report that shows my birth certificate and social and ID card were stolen in XXXX texas at the same time my motorcycle was stolen and other objects stolen from my XXXX. I then went to jail for a few months and was not able to resolve the issue and life happened things backed up so Im just now getting around to taking the proper steps to reporting fraud. They ran about 27 inquiries under my name within a month or 2 period of time all across texas and California. Those inquiries have since fallen off but I remember they tried opening multiple accounts in my name.
Consumer complaint received 2020-06-13
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)

I Sent Experian a dispute letter on XX/XX/2020 to verify, and validate a collection from XXXX XXXX XXXX.This is the second time I tried to dispute and didn't get a response. 
I personally contacted convergent outsourcing, and asked them to validate this debt, but they continue to sent snapshots of a XXXX  bill I have no knowledge of. 
I sent Experian a packet of responses from XXXX  to show that the debt is not valid.and I have not received a response.I also received several postcards explaining the dispute process, but nothing about my specific dispute case.
Consumer complaint received 2020-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

I have been trying for weeks to lower the credit limit on my HELOC. I want to lower it to {$42000.00}, as I have been trying to refinance my first loan, and lowering my credit limit is a requirement for a subordination agreement by my HELOC lender US Bank. 

Weeks ago I called and was told a form would be emailed to me in a few days. Nothing ever arrived. 

The next time I called I was told it would be lowered internally in 3 days. I waited weeks, but nothing ever happened. 

I then went to my branch and was told I had to call US Bank to get help lowering my credit limit, they could not help me at the branch. 

Recently, I was told again that it would be lowered internally if I waited a week. I waited more than a week, nothing has happened. 

I have been trying for over a month to get my credit limit lowered. It should not take weeks and weeks to lower a credit limit on this credit line.
Consumer complaint received 2020-08-12
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. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-08-12
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. (MS)

INFORMATION WAS STOLEN IN A DATA BREACH I HAVE NEVER LIVED IN XXXX, TN I LIVE IN XXXX, MS THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVED ASAP.
Consumer complaint received 2020-08-12
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: CAINE & WEINER COMPANY, INC. (CA)

I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ),  XXXX XXXX ( Original Creditor : XXXX  XXXX ), and CAINE WEINER ( Original Creditor : 01 XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ), and CAINE WEINER ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-12
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. (MS)

LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF ACCOUNTS WAS OPEN OUT OF THE CITY OF XXXX AND I STAY IN THE XXXX, MS SO IM NOT UNDERSTANDING HOW MY INFORMATION WAS STOLEN HAD TO BE A DATA BREACH CAUSE I HAVE NEVER SEEN OR OPEN THESE ACCOUNTS
Consumer complaint received 2020-06-18
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. (PA)

I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and Transunion are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  XXXX  nor Transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX/XXXX  XXXX XXXX Account # XXXX Amount {$7100.00} XXXX  Account # XXXX Amount {$230.00} XXXX XXXX XXXX  XXXX Account # XXXX Amount {$590.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
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. (VA)

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. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-06-18
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. (PA)

I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX   nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. An FTC/Police report has been previously filed and is attached to this complaint. 

XXXX XXXX Account # XXXX Amount {$21000.00} Department of Education Account # XXXX Amount {$81000.00} XXXX XXXX XXXX Account # XXXX Amount {$0.00} Inquiries : XXXX XXXX DC XXXX XXXX XXXX XXXX Department Of Education/XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On XXXX of XXXX citi bank closed my account, and I have {$20000.00} on my checking Account that they were refuse give back to me, they said I need provide the document to explain where is this ACH transaction from, so I went to the bank on XX/XX/XXXX, I summit all the document that the citi need to the banker, and the banker help me call and email the document to the citi bank fraud department, and they told me they will send a check with the amount {$20000.00} within two months, so I call citi bank today, they said they did not receive any document and refuse to give back my remaining amount. it been about 6 months from them closed my account, and I still not get back my money!
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/year>, I noticed that my checking account had 16 unauthorized reversals done on my account. I contacted Chase and they said that someone called in and said that they were me and that they requested these reversals on previous accounts I had paid. One of those accounts being my mortgage company. there were three months worth of reversals done on my mortgage and now I am facing foreclosure due to the mortgage company not having my payments. I asked Chase to put a stop to these pending reversal transactions and I was told that they could not stop it. Because of their actions, Im in the process of losing my house. 

Chase claims that I authorized these transactions and provided private information to another individual. Chase is aware that I, personally m, did not make the reversal requests that were done on my account. 

In order to make things right, chase would need to refund the money that was not authorized by me to the merchants that had been paid already. Chase did not see that 16 reversals in three days was a red flag and went ahead with the transactions.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (OH)

The XXXX XXXX XXXX Account on my Experian Account was paid in full and needs to be deleted off my credit report I paid XXXX XXXX XXXX XXXX in XX/XX/2020 and it hasnt been removed from my credit file and report after they told me it would
Consumer complaint received 2020-08-12
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: ARS National Services, Inc. (CA)

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and ARS ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and ARS ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

We sold our house, and close on XX/XX/XXXX. I contacted New Rez to request a payoff statement. After about a week and a half, a few emails and phone calls, I finally Had them fax it to me. Theres now an option to get it online that wasnt there before. 

The first two people I spoke with at the loan servicing dept. between the end of XXXX and about XX/XX/XXXX, when I finally got my payoff statement, both told me that there was a {$3600.00} debit added to the payoff statement because the first county tax was sent on XX/XX/XXXX. I questioned them over and over again about why that amount wasnt taken out of my escrow that has close to {$6000.00} in it, and neither could answer. Neither one could give me any kind of verification or receipt that the first county real estate tax was paid. 

Last Monday, I got a hold of the county tax assessors office to try and get a receipt for the tax payment, but they said they have g received anything yet. 

I called New Rez again. and asked for verification that the county tax was paid, and now this rep, and her supervisor told me it was never sent. I first asked him to send it out, but he said itd take 7-10 days or longer for receipt verification from the tax office, so then I asked him not to send the tax payment it since it was too close to our XX/XX/XXXX house closing date to verify receipt with the tax office. He said he could make a request not to send the delinquent tax ( not actually due here until XX/XX/XXXX ), but he couldnt remove it from the payoff statement. I tried to explain the whole thing, and asked him again why it didnt come out of escrow, but he couldnt answer. 

So now, at closing I have to pay title company the first county tax of roughly {$3600.00}, and I have to also pay New Rez fhe same {$3600.00}. Thats an additional roughly {$8000.00} I have to come up with at closing when I shouldnt have to pay either because my escrow balance should have covered that tax. 

So New Rez is getting the {$3600.00}, just to give it back to me instead of just removing it from the payoff statement. Sounds a little questionable to me. My last bank screwed up my escrow and if took me months after we refinanced to get some of it back. 

Could you please look into their payoff and escrow handling, and also why the first county tax wasnt made on XX/XX/XXXX like it was last year? Its hard for me to believe that they cant remove the county debit from the payoff statement. 

Sounds fishy to me. At least Im not in a situation where I need the extra {$8000.00} right away.
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched : XX/XX/XXXX usaa Collection Letter. usaa Closed CFPB XXXX XXXX. I MADE THEM AWARE I DID NOT OPEN THIS ACCOUNT & I requested the Dr 's License Original Signed Contract usaa DISMISSED. usaa CONTINUES HARRASSING COLLECTION ON ID THEFT. see attatched statement MC end ( XXXX opened XX/XX/XXXX ) WITHOUT VERIFICATION. Balance {$100.00} NOT MY ACCOUNT. see attatched XX/XX/XXXX VISA CARD OPENED WITHOUT VERIFICATION end ( XXXX **CREDIT CARD FRAUD CLAIM ** UNAUTHORIZED TRANSACTIONS. ** I DID NOT OPEN THIS ACCOUNT XX/XX/XXXX, XXXX ) See attatched 1099-C CANCELATION DEBT XX/XX/XXXX USAA USED MY PRIVATE DATA FROM THIS ACCOUNT TO OPEN THE OTHER TWO. USAA HELD ME LIABLE FOR THREE ACCOUNTS DURING SAME PERIOD.XX/XX/XXXX I call to stop collection attempts. CLEARLY USAA does Not verify this account belongs to me. Rep informed me they can not speak to me anymore without me sending my license. I refused. Rep says are you a member of usaa.? All members are being required to send in LICENSES to update old info. I DO NOT WANT TO BE A MEMBER ANYMORE. USAA OPENS FRAUDULENT ACCOUNTS THEN COLLECTS ON THEM DURING A COUNTRY VIRUS EMERGENCY.
Consumer complaint received 2020-06-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (TX)

A debt collection appeared on my credit. I traced it back to a school that I attended, but all my classes were under fed student loans. This amount of XXXX is false and XXXX is not working with me to remove this. XXXX has removed this from my credit. I do not owe this money and I am current on my student loans.