davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (OH)

I terminated service XXXX XXXX XXXX XXXX ( internet service ) and paid my final bill on XX/XX/2021. I have their email confirmation. However, they kept sending me past due notices. I tried calling. I could only talk to a representative about new services, or a service issue, but I had to have an established account. I didn't. I had closed mine. It was one of their so common " catch 22s. '' So, I ignored the notices. This company made numerous and repeated errors throughout the time I was using their services, this was just another. 

Then in XXXX I received a notice from XXXX XXXX XXXX trying to collect this erroneous debt. I spoke with them and then through email forwarded them a copy of my XXXX payment confirmation email. I thought I was finally rid of them. 

Then yesterday, almost six months later (! ), I receive a letter from Collection Bureau of the Hudson Valley trying again to collect on behalf of XXXX. This time I'm sending written correspondence to them, copying XXXX, and insisting they stop this harassment. And... I'm also reaching out to you!
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Hello yes, my name came up in CheckSystems again for a amount that I have sent the required fee to have this former account closed as stated. It's with XXXX  XXXX XXXX a older checking account dated XXXX. I have paid their collections department before being notified by Check systems and it appears they never removed or updated the systems that I took care of my balance that was paid already. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX It's incorrect information that's coming up, the {$750.00} has been paid off already, it's showing in CheckSystems report as upaid but I know I paid it off already, positive, because it's what's holding me from my business affairs also. 

Thank You
Consumer complaint received 2022-04-16
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. (NY)

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. PLEASE SEE ATTACHEMENTS
Consumer complaint received 2016-05-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mid-Michigan Collection Bureau (MI)

They placed a collection on my credit report of XXXX office copay. 
My ex wife paid the copay when she got the bill. 
My ex wife took my daughter to hospital. 
I had no idea about the copay. BUT they placed a delinquency on my credit report without verifying the debt. They placed a XXXX collection. My wife paid it directly to the hospital after she got the bill. 
But they are harassing me the collection company and refused to remove the collection from credit report XXXX.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. ()

I am writing as requested to provide you with the details of my, and my mother 's experience in dealing with Citi Bank since XX/XX/XXXX in regards to the Citi XXXX account my grandmother had with them. 

I have attached a copy of the complaint letter sent to their compliance department in XX/XX/XXXX, which fully explains the circumstances of the challenges we faced up until that date. We have provided a multitude of documentation, including my mother 's birth certificate, the original copy of the power of attorney ( which has still not been returned to us ) and legally notarized documentation to prove my mothers identity. 

I have also attached a copy of the full transcript of all messages sent to their customer services team via their company XXXX account, and copies ( with the account number removed ) of two subsequent letters ( XX/XX/XXXX and XX/XX/XXXX ) sent to the XXXX XXXX office, along with a response received from them recently. 

In XX/XX/XXXX, we also received a letter ( copy attached ) from my grandmother 's cousin ( XXXX XXXX XXXX who, along with my mother ( XXXX XXXX ) was named as 'ITF ' on my grandmother 's account. She informed us that she had gone to the bank with the documentation requested by the XXXX office and it had been copied and filed on the account. 

She also informed me that I needed to CALL the office in XXXX XXXX to get the funds released to me. I was not able to call and speak directly to anyone in XXXX XXXX, so again, I had to write another letter, to which I recently received a response requesting even more documentation and needing to go to the US Consulate in XXXX for attestation. 

For me not to receive a response to a recorded delivery letter ( sent via XXXX ) directly to their compliance department 6 months ago is surely against regulations? I have not even received a response from their compliance department to say that it is being investigated. 

I am happy to provide any other details requested, but this should NEVER have even got to this point. My mother was entitled to receive the money in trust to her in my grandmother 's account. 

To say we are beyond disappointed in why this has taken so long and caused so much distress to us as a family is inexcusable. We have done everything possible to try to follow through on my grandmother 's wishes and have been blocked in one way or another at every point by Citi Bank. 

My grandmother wrote a letter to your bank in XXXX saying that she wanted to come and sort the account out in person but was unable to do so due to her declining health. She also noted that she hoped she could do so in the summer of XXXX but it turned out that she was not able to do this either.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am a court appointed conservator with a certified and stamped court order of Conservatorship from the XXXX XXXX XXXX XXXX. Issued XX/XX/2022. ( Certificate enclosed ) My ward is non-compos mentis. As conservator, I must get him approved for Title XIX entitlement in order to place him in the care of a facility. 
In the pursuit of getting 5 years of Wards bank statements from the BANK OF AMERICA as required by Title XIX, I waited a week to get an appoint with BANK OF AMERICA 'S local XXXX XXXX Branch and went to the appointment. They refused to give the statements to me. BANK OF AMERICA does not provide for a mechanism to allow me to get my Wards bank statements. They must close the account, open another account before they can give me statements. They sent me away with a few months statements but not 5 years which makes absolutely no sense at all. They told me to call the customer service number, which was futile. 
As appointed conservator to a non-compos mentis person I do not have his pin number. I was unable to do anything other than become very frustrated on BANK OF AMERICA 's phone system that required a pin number which I of course do not have and can not obtain because of my Ward 's condition. All I have is an account number, ( above ) a social security number ( I will give you if someone calls ). 
All other banks in my neighborhood look at this Court Sealed Certification and hand over the bank statements. Your banks will not cooperate. I have been to another branch of BANK OF AMERICA in XXXX XXXX Branch and received the same very pathetic service. I need the statements sent to me, immediately. I fear my Ward will be thrown out of his place in the rehabilitation home without getting on Title XIX now. 
Attorney xxx, xxxx, ,xxxxx, xxxx XXXX XXXX, CT XXXX
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have new information pertaining to my complaints I submitted to Equifax. I sent a direct complaint to Equifax on XX/XX/2022 and I sent another complaint this same day to Equifax, but they were attached to the complaint. That complaint was mainly for XXXX XXXX. They responded to both complaints on XX/XX/2022. They did not give me the proper response because they said they need more time to investigate, up to 60 days. This is a violation of the FCRA. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), they have 30 days to response.
Consumer complaint received 2023-07-26
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)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 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 2022-02-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NM)

Working with rocket Mortgage for a FHA loan. We have been trying to buy a new home for a while now and we believed that rocket mortgage was able to facilitate on the matter. We had submitted everything that was requested since the beginning of the application process and was eventually awarded a verified approval letter, which according to Rocket Mortgage is " as good has having cash on hand. '' The first verified approval letter had an expiration of XX/XX/2022. An extension was requested before that date to be able to go through changes at work now with this new mandate. Rocket mortgage representative said they will work on that request. Having trusted their word, apparently that was never done. The file was lost eventually an everything needed to be resubmitted, and which was all resubmitted. Credit history was pulled and everything was restarted. For days I had not heard anything from Rocket Mortgage and called them. That is when I became aware the file was lost as it was transferred to many different people which failed to have anyone correctly follow through. Having an argument with Rocket Mortgage the file was coincidentally found, and things got worse from there. According to the underwriting they wanted to see more things like child support documents in which I believed were too personal. I am current and not in arrears at all with the payments, and did submit the proper documents that show Child support being deducted from my payroll. This was not something that was advised to submit since the very first time I reached out to them and many mistakes were done on behalf of Rocket mortgage. NOt only have I had anxiety and depression from them, I feel now discriminated as a Human for not having an opportunity to own a home. I feel I have been wronged throughout this process and tricked that I had a VERIFIED APPROVAL LETTER from them.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

To who it may concern, I have the same account with citi bank for almost 40 years.I asked for a new banking card because my other one was lost.They sent me a business card which had my private account on it .They took care of the mistake and sent me a card for my personal account.The problem then was they didnt have my payees online with the new card.So after being tortured by them for 4 days they finally sent the payees and they were available on line.The problem then was there were zero records of any payments that were made going back years.I then was tortured by them for days on the phone and in person before they told me they have the records but you cant have them because we cant make them available for you for some weird reason which they didnt know.So now I am filling out my taxes and other bills and have zero records.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$650.00}.
Consumer complaint received 2022-02-01
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: DriveTime (PA)

It has come to my attention that DT credit has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT credit an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that DT Credit takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2022-02-01
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. (PA)

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT credit an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.

It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OR)

The initial complaint ID is XXXX. 

From the complaint ID above, I can see in the initial resolution Chase agrees to a payment of {$2500.00}. 

I have been following the process outlined by Chase to call in at the end of the month and manually pay this amount. I called in on XX/XX/22 and paid the agree to amount. As of this morning Chase has also withdrawn {$3000.00} from our checking account because auto payment was re-enabled even after repeated calls. 

As of XX/XX/22, we have paid {$5500.00} in mortgage payments this month from out checking account and Chase has over drawn our account. 

After over one hour on the phone with customer service being bounced from their mortgage section to executive section, I was told the only resolution is to call our bank that holds our checking account, XXXX XXXX, and stop payment. This will incur more fees because of XXXX mistakes. 

Chase has not followed the prior complaint resolution agreement and has caused us to have more hardship and financial issues.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had my Capital One card for about 6 months I always pay on time and more than the minimum required. They closed my account and when I contacted them they told me it was because of past, present, or pending adverse legal action. I do not have present or pending legal action. Many years in the past I did, but thats been a very long time and nothing has changed since I got the card. I asked what kind of legal action they told me I could contact the county clerk and find out, and I might need to check any where I ever lived.
Consumer complaint received 2022-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

I have student loans dating back to my years in college XXXX. The loans have been sold across XXXX different services in that time and my direct withdrawal gets canceled and I end up paying app kinda of late fees etc until it got set up again. The latest servicer. American education services, has taken received over {$12000.00} in payments and yet my loan amounts each went up over {$4000.00} not down
Consumer complaint received 2022-02-01
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)

It has come to my attention that XXXX XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.

It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system