davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (CA)

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-03-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

After our home was fully remodeled after the XXXX XXXX in North Carolina, we listed our home for sale. We could not afford the second mortgage, we're a military family and we were renting the home until the hurricane hit. When we tried to sell the home, we realized we would need more than $ 11k at closing so we proceeded with a short sale. During that time Freedom Mortgage sent a preservation company to the home to mow the lawn. While mowing the lawn they busted the water spigot on the back side of the house which caused water to leak inside the home for almost XXXX weeks before the appraiser from Freedom Mortgage arrived and alerted my real estate agent. The home was under contract with a short sale and during this time the home was vacant as we were waiting on the appraisal to move forward with the sale. This happened in XX/XX/XXXX and as of today, XX/XX/XXXX the damage has not been repaired. We can not rent, sell or live in the home due to the excessive damage and mold. We had another cash offer on the home after the buyer backed out and the VA denied the cash offer because as they stated, Freedom Mortgage is responsible for the damages and filing a claim to have the home repaired and back to the condition it was in prior to the water damage. We are being forced into foreclosure as we have no other option at this point. We have gone around and around with Freedom Mortgage, and the VA. My last conversation with the VA I was told to walk away. I do not think it is fair to us as the home owners to be forced into this situation when it was not our fault. We are taking the hit financially and even harder on our credit.
Consumer complaint received 2023-02-17
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. (SC)

To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX UNVERIFIED ACCOUNT
Consumer complaint received 2021-03-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX from Midland credit continuiously calls my job even after I have asked him not to call my job. He is now XXXX family member calling them several times a day. They have had to turn their ringers off on their phones while at work because of the calls.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-02-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

XXXX XXXX wrongfully placed me into collections. They claim I have an outstanding bill of over {$600.00}, yet they have failed to supply me with proof of the debt via mail. I have not lived at that address since XXXX of XXXX and they are claiming I had service in XXXX of XXXX. At that time I had a tenant living in that house. This is regards to XXXX XXXX XXXX XXXXXXXX XXXX I moved to XXXX  in XXXX and we do not have XXXX XXXX out hear.
Consumer complaint received 2023-02-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, 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 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted TransUnion multiple times about this company XXXX XXXX XXXX putting a fraudulent account that is not mine on my credit report. XXXX and XXXX have removed this item of my credit reports over a year ago because it was clear this was fraudulent. 
I wrote XXXXXXXX XXXX XXXXXXXX for the XXXX time on XX/XX/2022 to remove this account from my TransUnion report. I sent this letter by certified signature request. USPS tracking number XXXX. Which shows the letter being delivered on XX/XX/2022. It has been months and the company has not responded, they never respond back. I suspect they are not in business anymore. But for some reason TransUnion keeps on saying this account is valid. TransUnion is not doing a real investigation. I wrote TransUnion XX/XX/2022 about this matter and still have not got a response.
Consumer complaint received 2023-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I contacted Equifax disputing an unauthorized inquiry on my report due to fraudlent activity. This call was placed XX/XX/XXXX. 

I was instructed to contact the FTC to file a report which I did and forwarded to Equifax I complted that task XX/XX/XXXX. 

I sent a copy of the letter with a copy of my CDL and copy of my social security card.

I contacted Equifax when I discovered that 2 of the inquiries were removed but not the third. XX/XX/XXXX I made that call. 
I called to times after and was told that I would take up to 30 days. 

My most recent call on XX/XX/XXXX I was told that the inquiry would not be removed because I didnt send a copy of my cdl and social security card which was false. 

I then decided to mail a cover letter, copy of the FTC report, copy of CDL and social security card again on XX/XX/XXXX and I sent this overnight and was received XX/XX/XXXX at XXXXXXXX XXXX 

Also included the FCRA requirements for the removal of this inquiry within the 4 business days outlined in : Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Today is XX/XX/XXXX and the report has not been updated and I have not received a new copy of my credit report
Consumer complaint received 2023-02-21
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. (AL)

On XX/XX/XXXX I used my Citibank credit card to rent a truck from XXXX in the amount of {$2300.00}. XXXX contacted me a couple of days later to inform me that my card had been declined multiple times due to an authorization issue ; so I decided to use my debit card to make the purchase instead. In XXXX, Citibank informed me that they closed my account, so naturally I thought nothing about the charge that never went through. On XX/XX/XXXX, I received an email from Citibank informing me that they authorized the purchase with XXXX for the amount of {$2300.00}. 

I then call Citibank immediately and told them I paid that amount using my debit card because it had been declined by them so many times and then closed my account. I then proceeded to forward my bank statement to them to show proof that I used other means to pay XXXX. 

Since XXXX, Citibank has been telling me that the charges would be reversed, and will reflect on the following months statement, and each month it isn't being resolved. When I receive my statement each month, that amount I'm disputing is still reflected on my account. I've been transferred from person to person for 3 months, with no resolution. 

I even called to find out what my true balance was so I could make my balance XXXX and be done with this. I was told to just subtract {$2300.00} from the current balance, and that's what I owe them ; not taking into account that I'm being charged interest on money I never used. They keep giving me the run around and keep telling me they can't give me more information about my account because it's now closed. 

I received my new statement on XXXX XX/XX/XXXX and the amount is still on my account. Prior to receiving this statement, I spoke to a dispute specialist, who then transferred me to another department and provided me with a direct number to that department. At that time he said, they can't do anything with my account at that level it needed to be handle by someone higher then that department. 

When I called Citibank today ( XXXX XXXX ), I called the direct number given to me a week ago, since the specialist told me this was the department who has the authorization to resolve this issue. This person ( the person I spoke to with the elevated status ) told me the correction will be on my XXXX 's statement. When it wasn't I called the direct number again today ( XXXX XXXX ), I was once again transferred back to the dispute specialist, this is the same sector that from what they told me, could not fix this at that level and my case had to be elevated. 

Now I'm at the point where the two sectors keep taking my back and forth between the two, with nothing being resolved. 
Citibank has admitted to me a number of times that the balance is incorrect, but no one seems to be able or willing to right the wrong.
Consumer complaint received 2023-02-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, 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 2023-02-10
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. (NJ)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2023-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Spoke to XXXX # XXXX stated the application request for forbearance was being reviewed for a modification. I advised her I wanted a covid-19 forbearance and I emailed the required application. Submitted request for covid-19 forbearance to customer service and 2 times to loss mitigation dept XX/XX/2023 and XX/XX/2023. Spoke with customer service and they still had not process my request. I have been affected by covid-19 and my income has been reduced because of the pandemic and my employer cutting my work hours.
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX acquired two debts ; one from Capital One and another from XXXX XXXX XXXX   XXXX XXXX admitted to me that the origination of the debt was XXXX. However, they acquired the debt and they were threatening me that they will continue to report it because they purchased the debt. They were trying to force me to submit a dispute with them on the phone so that they had additional means in which to report and collect on debt that should not be reported.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

On Friday, XX/XX/2020, I was in the process of entering my landlords information on XXXX . A feature that is on my Chase app and approved by their company. I did not save my landlords information in error and the funds in the amount of {$1100.00} went to the wrong recipient. As soon as this happened, I called Chase immediately. They told me that if the recipient would contact them, she also has a XXXX account, they would be able to file a claim and have the funds transferred back to my account. The recipient called and explained she received this money in error and authorized them to withdraw the amount from her account. Then the representative told her they wouldnt because she had insufficient funds. I found this to be incredible because this money that belongs to me, now Chase is keeping to cover someone elses overdraft. I asked to speak to a supervisor with the recipient on the line. The supervisor, XXXX got on the line. She told me another story. She told me that although both accounts are Chase accounts that she couldnt do anything about it because it was done through the XXXX app. So the recipient and I were floored by this. We asked her that if the bank in error would deposit a XXXX dollars into an account, that whoever receives that money would be able to keep it? And her answer was YES. I am in shock that this is their policy and maybe this needs to be investigated. I have been a loyal customer for about five years and have never had an issue with the bank. I do not understand why they have refused to return my money. I am disputing this and would like my funds back in my account as soon as possible.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (GA)

XXXX actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business SYNCB/PAYPAL CREDIT CARD is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between SYNCB/PAYPAL CREDIT CARD and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.
Consumer complaint received 2023-02-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (FL)

In XXXX of XXXX Santander Consumer USA sent me a 1099C for debt cancellation on the residual balance owed on a camper that my ex-husband allowed to be repossessed. I amended my XXXX income tax filing to include the amount of the canceled amount as a part of my income. The identifiable date on the 1099C was XX/XX/XXXX. On Friday XX/XX/XXXX I received another 1099C for the exact same amount with and Identifiable date of cancellation for XX/XX/XXXX. I immediately contacted Santander Consumer USA that evening, and after speaking to several associates one of whom was a manager, I was told to speak to my tax preparer and they could explain to the IRS that I had already paid the taxes on that amount. They also advised me they were limited as to what they could see because the account was inactive. I asked for the matter to be escalated and for someone to call me back who could speak to the matter. No one called me back and I reached back out to the company and was connected to someone who handled escalated calls and I sent him both of the 1099C documents for his review. He said he would research and call back, which he did on XX/XX/XXXX. He advised he had the account reactivated so I could see my payment history, but yet again provided the same messaging to contact my tax preparer and maintained they had no record of the XXXX debt cancellation. My tax preparer has no solution for not claiming this as income. I was also told at one point by Santander to ignore the 1099C, which i know is in accurate. The payment history they have provided me access to has gaps in the history. I have to claim this as income once again as to not delay my income tax return be held up. Santander has no explanation for how this has happened, or how a debt can be cancelled more than once. I feel this a very deceptive on their part, and how many other people are impacted by this action. Furthermore, if the loan was just being cancelled in XXXX, why is it not being reported negatively on my credit report.