davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BV XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4300.00}, Medical XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$770.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (WI)

The credit companies are not complying with their own policies in a timely manner. 
Account XXXX. XXXX XXXX XXXX {$850.00} Account XXXX. Capital One {$800.00} Account XXXX. XXXX  XXXX {$700.00} Account XXXX. XXXX XXXX Ive sent Several dispute demanding proof of investigation, and these credit companies have broken tons of laws!
Consumer complaint received 2019-12-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (PA)

On or around XXXX I was alerted by XXXX XXXX that I had a change to my credit. When I checked the change I was informed that Ability Recovery Service had added a collection to my credit report. I immediately contacted them about this collection. I explained to them that I spoke with XXXX a few months earlier and was denied the right to try and fix the issues. I was informed by one of the reps that because of the delinquency there was nothing they could do. I was not allowed to get on a payment plan or dispute it, or anything. So I submitted a disputed through XXXX XXXX and requested that they showed me evidence of them informing me of this debt. According, to the rep that was assigned my collection. XXXX did not submit supporting evidence to prove I owed them any money. In winter of XX/XX/XXXX I attended XXXX University, maybe two weeks into my program I emailed the academic advisor and informed her that the program was not for me. Instead of her dropping me immediately from the class because I was still within my grace period. She waited two weeks which caused my loans to have to be returned to lenders, and balances I was quoted when I called are totally different than the ones reported. XXXX XXXX the rep that is working on my collection contacted me directly and informed me that XXXX did not submit verification and the collection would be removed. However, now when I spoke with him hes trying to convince me that paying a debt that I do not owe is the best thing.
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (SC)

I am submitting this complaint because of the issues I have had time and time again contacting my lender throughout my loan modification process and I need help getting in contact with them not for the status of my appeal. 
I submitted an application for loan modification on XX/XX/XXXX and called several times throughout the process for updaters and was constantly told my loan was being handled by a different person in a different department and that they couldnt give me information about it. For example, I called on XX/XX/XXXX for a status update and was transferred around until I left a voicemail for XXXX XXXX requesting a callback. I did not receive a callback and couldnt reach any representatives at the lender until XX/XX/XXXX when I finally spoke with XXXX in the legal department who told me they denied my application because of the Percent of income needed to put into the home, and basically told me I cant afford my home and needed more income. They told me they made the decision on the account XX/XX/XXXX and that I only had until XX/XX/XXXX to submit an appeal. 
I ended up going out of my way to get the extra income needed to boost my overall income to help me fit into modification terms and I submitted an appeal letter to them on XX/XX/XXXX. Since then I have reached out nearly five times between XX/XX/XXXX and now and have not received any calls back or any contact from the lender about the status of my appeal. It is the most important time to get updates because once the appeal period ends then my home goes into active foreclosure and I am very afraid of losing my home.
Consumer complaint received 2019-12-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (PA)

On or around XXXX I was alerted by XXXX XXXX that I had a change to my credit. When I checked the change I was informed that Ability Recovery Service had added a collection to my credit report. I immediately contacted them about this collection. I explained to them that I spoke with XXXX a few months earlier and was denied the right to try and fix the issues. I was informed by one of the reps that because of the delinquency there was nothing they could do. I was not allowed to get on a payment plan or dispute it, or anything. So I submitted a disputed through XXXX XXXX and requested that they showed me evidence of them informing me of this debt. According, to the rep that was assigned my collection. XXXX did not submit supporting evidence to prove I owed them any money. In winter of 2018 I attended XXXX University, maybe two weeks into my program I emailed the academic advisor and informed her that the program was not for me. Instead of her dropping me immediately from the class because I was still within my grace period. She waited two weeks which caused my loans to have to be returned to lenders, and balances I was quoted when I called are totally different than the ones reported. XXXX XXXX the rep that is working on my collection contacted me directly and informed me that XXXX did not submit verification and the collection would be removed. However, now when I spoke with him hes trying to convince me that paying a debt that I do not owe is the best thing.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NJ)

I have contacted my credit card company Chase bank and notified them back in XXXX that I had lost my job due to the coronavirus and am out of work and have not recieved any unemployment yet from the state. The told me they can defer my payment for 3months and now I am getting my statements with interest accrued onto my cards for not paying them?? How can one pay the cards is no income what so ever is comming in due to financial hardship?? This should not be allowed especially since my credit history has been very good and I have always paid on time and also paid more then the minimum required amount. 
I have called XX/XX/2020 and called XX/XX/2020 and XX/XX/2020. I get told they can add interest if not paid even thou despite the fact that I am out of work due to the coronavirus.
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (CA)

I INFORMED THE LENDER THAT MY MONTHLY STATEMENT WAS INCORRECT. 
FCI LENDER P.O. BOX XXXX XXXX, CA XXXX. THE LENDER HAS FAILED TO RESPOND TO MY NUMEROUS REQUESTS. I CONTACTED MR. XXXX XXXX AT FCI LENDER. MY LOAN NUMBER IS ( UPON REQUEST ) MY MORTGAGE IS PAID CURRENT BUT IT IS NOT REFLECTED THAT WAY ON MY MONTHLY STATEMENT. PLEASE ASSIST ME. MR. XXXX IS REFUSING TO TALK TO ME.
Consumer complaint received 2019-12-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTECH DIVERSIFIED, INC. (TX)

The company responded to my complaint misspelling my name claiming to have contacted me stating the debt has nothing to do with the hospital. I never received letters nor have I spoken to anyone on the phone. I believe they have placed someone elses debt considering they referred to me as XXXX not XXXX, the proper way to spell my name. I will be contacting an attorney if this is not resolved as I have not received letters to my physical address in XXXX or XXXX nor have I received calls to my XXXX area code phone number. My only phone number. I believe its not me that is confused but the company attempting to charge me for someone elses debt.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My Husband is traveling in XXXX. I went to log in on our laptop to make a payment at my Grandmas home. CapitalOnes server must have noticed that the I.P. Address was different from our homes and asked for verification via one of three options. Each of the options, however, required a smart phones texting feature. Unfortunately, he was not able to perform any of the options due to very limited service. There is a tollfree number for this situation posted on the bottom of the webpages verification page. 
When I called the tollfree number, they asked for him to send a photo of the front and back of a government issued I.D . However, they also placed a hold on the card making it unusable. So, he is stuck traveling in XXXX with no Credit Card for two weeks. 
This is horribly upsetting as we informed CapitalOne prior to his departure that he would be traveling to XXXX and made certain that the account was noted for travel outside the US. We provided verification via the telephone that it was indeed him traveling to release the hold with no success. 
I fail to understand why they would place a hold on the card, making unusable after all of the precautions have been made and after all of the verifications have been performed. This is not only a major inconvenience, but a safety concern. CapitalOne is negligent in jeopardizing the wellbeing of an American traveling overseas who was depending on their services. 
Monies will now have to be sent via a service at additional costs and hopefully will be accepted at locations to provide him a safe return. 
There are so many other credit card options that offer better interest rates and rewards and would never consciously jeopardize the safety and wellbeing of their users. Be warned, stay far away from CapitalOne!
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

On XX/XX/2019 I submitted a complete financial application for assistance with my mortgage. I had fallen behind after my mortgage payment ballooned from {$1000.00} per month to over {$3000.00} per month. My application contained all of the required documentation that was up to date including my bank statements from closing dates XX/XX/2019, XX/XX/2019 and XX/XX/2019. Those three bank statements showed my rental income deposits. Since that submission PHH is stating the bank statements I submitted are too old ( over 90 days ). They are saying this after stalling on making a decision on my application since that submission date. Most recently they sent out a letter stating the bank statements are over 90 days old. I hired an attorney to assist me and the attorney keeps telling PHH they are required by RESPA Regulation 1024.41 to review application and make a decision. They are not allowed to continue to let paperwork expire and ask for it over and over again. That was the purpose of RESPA Regulation X. PHH continues to do this and evade reviewing my application. Under duress I have sent in an additional bank statement as of today.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This company XXXX XXXX XXXX put incorrect information on my credit report in regards to an account they claim I owe. I sent a certified letter with a return receipt to this company on XX/XX/2019 requesting that they send me debt validation that I owe this debt. By XX/XX/2019 I still had not received anything. I then requested Experian to remove this debt off my account by sending them a certified letter on XX/XX/2019 and they stated that the company provided them with documentation that the debt is valid. I called Experian on XX/XX/2019 and spoke with a rep named XXXX and asked him to mail the valid documents that the company provided to you but not to me. He stated that they don't know what information the company sent and the dept that processes that information does not have a phone line or email and he can't remove the account.
Consumer complaint received 2022-11-11
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. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-09
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. (NY)

company is reporting a fraudulent account on my report account was reported twice now its only reported once on credit report this is a fraudulent account that still remains i have been a victim of identity theft and would like this removed
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

The events of the night of XX/XX/XXXX and morning of XX/XX/XXXX in XXXX XXXX, XXXX. 

At the establishment called XXXX XXXX, we entered and ordered three beers ( one for each of us ). After approximately 10 minutes, we decided to leave and I asked for the bill. After a profound delay to receive the bill, I was afraid of what was happening behind the scenes. Presented with a receipt that was not accurate, I argued with the merchant to provide a correct receipt. The merchant quoted over XXXX XXXX pesos for three drinks. They took my Citibank card once again to force me to sign, taking my ID and making a photocopy, and stealing the receipt so that I could not take it with me as proof. My friends and I had no recourse with multiple bouncers aggressively standing over us, but to sign the bill. I still refused and drew a simple line to show that this was an inaccurate receipt. They grabbed my hand and forced me to sign multiple times. Afraid for our safety, we left the establishment as quickly as possible. I did absolutely everything in my power without being beaten up in a foreign country to stop this transaction from going through. 

Upon returning to the U.S., I filed a fraud claim and multiple dispute claims. Citibank has provided no assistance as I was under duress. I have never initiated a transaction of this size in the history of being a customer of Citibank, especially while abroad. Citibank was asleep at the wheel in monitoring fraud.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (MO)

XXXX This is your final notice Wilfully ignoring consumer law without providing information that says this reporting is accurate and under the guidelines of my consent. 

Note that your company gave false information to refuse doing a proper investigation and now your claims is that you don't have a relationship with the source that stole my identity. 

I'm putting Equifax on notice that you haven't provided any information with my request. This will now be turned over to legal representation. 

If you followed the law how it's written and not how you feel I wouldn't be seeking legal damages. You did this to yourself. 

EQUIFAX IF YOU REVIEW ALL THIS INFORMATION AND STILL BELIEVE ITS ACCEPTABLE TO REPORT THIS INQUIRY YOU'LL BE COUNTED AS LIABLE ALSO
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (AL)

I overpaid when paying off my Home Equity Line of Credit. Regions Bank held my money for 2.5 months and when I paid my personal line of credit payment they applied that payment to my Home Equity line that had negative balance and then they report me as past due on my personal line of credit and then send me back a check for {$770.00} for overpayment. They admitted that it was their fault but no one will fix it I have spent 1.5 hours in the branch and they told me that they fixed it and it has reduced my credit score from XXXX to XXXX. The told me since the branch didnt fix it that they will not accept my dispute and will show that it is past due. No one from Regions Bank will fix it. If they were fined about {$100000.00} or more maybe they would do their job. Do I need to hire an attorney to sue them or can you fine or penalize them for their unethical and illegal activities.
Consumer complaint received 2019-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MD)

Requested collection removed from credit reports ( XXXX, XXXX and XXXX ) was not aware of outstanding balance to the medical providers ( XXXX XXXX ). Medical fees were paid in full to XXXX XXXX in the amount of XXXX on XXXX XX/XX/2019 via XXXX XXXX  online payment site. Request to have reported collection removed from all credit reporting agencies.
Consumer complaint received 2023-01-15
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, account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.
Consumer complaint received 2019-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/19 I noticed that I had an email from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX ) telling me that I was scheduled to see cars at a car dealership in XXXX on XX/XX/19 using an old address of mine. I do not currently live in XXXX, GA nor have I lived there for the last 3 years so I was suspicious that this was fraudulent behavior. I replied to the car dealership immediately informing them that I had not requested any information from them and that no credit inquiries should be processed. On XX/XX/19 I noticed at least one fraudulent credit inquiry on my credit report. I proceeded to place a fraud alert with XXXX, Transunion and XXXX on XX/XX/19. Later when I was able to access a computer I submitted a formal identity theft report to Transunion disputing the credit inquiry that came from : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I am submitting this as a formal complaint against XXXX, as well as against XXXX XXXX and Transunion for improperly verifying my identity when the fraudulent report was requested.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I recently tried to gather my credit reports to identify debt and get a handle on my fincnail situation. XXXX and XXXX were both easily acquired. The problem is with Equifax. The XXXX XXXX XXXX   site said the report was not available. So I logged into my Equifax account and tried to obtain a copy from the source, but was still not able to do this. I thought that I may have a freeze or hold on my account, but my profile states there are no issues on either end. So what are my options?
Consumer complaint received 2023-01-15
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. (CA)

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.