davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$24000.00} XXXX XXXX $
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (FL)

In response to Complaint ID : XXXX via XXXX  under collections account # XXXX RGS Financial has not validated a claimed debt that I owed. Instead they sent an itemized bill ( attached ). I live in FL, never lived at the claimed address. I am requesting my signature for validation. If they don't continue to report, I will be sending a court summons for damages and they will have to attend my local venue here in FL over {$63.00}. I think they have the wrong person. By the way, on my XXXX report their address is reported as : RGS FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( SEE SCREENSHOT ) In their response they claimed their zip code is " XXXX '' which shows they are reporting inaccurately as well on the screenshot below. I can only image how many consumers are being taken advantage with their false address reporting.
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I established a custodianship account for my son at Citibank ( account # XXXX ) in connection with his travel to XXXX. Given the lack of resources at the branch in XXXX, it took XXXX visits to the bank and a 2.5 hour wait to establish the account. After receipt of a permanent ATM card, as requested, we contacted the bank to alert the bank of his travel to XXXX. The call took over an hour and my son, XXXX, was required to speak with them to address the matter. He is now in XXXX and unable to use his ATM card as the fraud department blocked use of the card. I have contacted Citibank. The Fraud department has not been able to assist. I must visit the branch again. There seem to be substantial system-based problems with Citibank 's operations...
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Continental Currency Services, Inc. (CA)

Continental currency services. XXXX XXXX XXXX XXXX c.a XXXX. XXXX XXXX transaction XXXX reload card. in this office it is already the 4 time that they try to steal money he gave him {$170.00} to recharge my card and I only deposited {$70.00} dollars XXXX ) on my XXXX  card he only gave me {$400.00} of {$800.00} always trying togive me less money same cashier its a women very young look XXXX o XXXX years old only
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

XXXX, PA, a law firm in XXXX XXXX, North Carolina, wrote a check from an escrow fund containing my money on XX/XX/XXXX. The check for {$8500.00} was sent to Barclays at the address shown on their website. This check was to pay down debt on a XXXX XXXX XXXX as part of a real estate closing. 

Barclays deposited the check on XX/XX/XXXX at a bank in XXXX, Maryland. XXXX has a copy of the canceled check. Yet Barclays has not applied the payment to my account and continues to charge me interest on the balance. 

In a three-way call today, an attorney from XXXX and I were told by a Barclays customer service representative that a case has been created ( # XXXX ) and Barclays is investigating. Apparently, they have no idea where the money is or why it hasn't been applied. I was told it will be another 30-60 days before the case is resolved. 

The Barclays representative says this is " a known problem. '' I don't know if he meant my lost money in particular, or if they have several cases where deposited money has vanished.

Either way, this is unacceptable. We asked if we could contact the Investigations Department directly and were told no. My attorney was very upset and suggested that I file a complaint with Consumer Protection, so this is it. 

I want my {$8500.00} -- which I know for a fact is in Barclays ' possession -- to be applied to my credit card account without delay, without any more vague promises for eventual resolution. I want the finance charges for this period to be rebated or forgiven.
Consumer complaint received 2023-03-29
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. (NJ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NY)

On or about XX/XX/XXXX, I sent my mortgage payment to Quicken Loans Inc in the amount of {$1000.00}. The due date is XX/XX/XXXX with a 15 day grace period.The due payment was {$780.00}, the balance to go to be applied to the principal. Quicken admits it was received on XX/XX/XXXX, but did not post it until XX/XX/XXXX claiming an unknown problem according to a Customer Service Rep. On XX/XX/XXXX, I received a statement dated XX/XX/XXXX. The statement said that I had not paid for XXXX and billed me {$1500.00}. On XX/XX/XXXX, I called as and spoke to the Customer Service Rep and was informed that they send out the statement on the XXXX as they have to give a " reasonable amount of time '' before the next due date. I pointed out that 1 ) my payment was not late as per the 15 day grace period and that the statement preceded the expiration of the grace period by 15 day. I was passed on to a Mr. XXXX XXXX, Client Executive Advocate. He repeated the same thing. 2 ) Mr XXXX claimed that this change in policy was due to a Regulation 1026.41. I pointed out that the regulation only required a " reasonable amount of time ''. 3 ) My point is that Quicken Loans Inc is sending out statements which are erroneous, and confuse the debtor, making him'her think they have not paid and will send in a double payment.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-03
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (MO)

I applied for and received a payday loan on XX/XX/XXXX for {$300.00}. I was then offered the opportunity to apply for an installment loan and did so on XX/XX/XXXX. The terms I was given for the installment loan seemed predatory so I did not accept and sign for it. 

I soon discovered that I was unable to refinance the payday loan when offered. I received two emails on Friday XXXX and a text message on Tuesday XXXX with offers to refinance online but there was no banner available on the website. I suspected this had something to do with the installment loan application. 

I called to reschedule the payment for the payday loan. It was due XX/XX/XXXX and while I could have paid on that date it was easier to reschedule for later. I also withdrew the installment application. Lo and behold, the refinance banner appeared when the installment loan application disappeared!

This may well be some website weirdness, but it does seem predatory.
Consumer complaint received 2023-01-09
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. (TX)

XXXX XXXX, XXXX, 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 2015 OPM data breach as well as Equifax 's XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-03
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. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2024-02-09
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

VERIFICATION OF PROOF OF CLAIM REQUEST LETTER OF DISPUTE Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent. 
Dear Legal Departments for : Specialized Loan Servicing, LLC AND XXXX XXXX XXXX XXXX., As per numerous Select Portfolio Servicing representatives, the LEGAL and ADDRESS that SLS uses for my property does NOT match up with the true legal according to the XXXX XXXX Assessors Office XXXX Therefore, until corrected and resolved, SLS has stipulated that they can not move forward with a modification, nor continue with acceptance of my financial documents due to the discrepancy of said property/loan. 

Until this legal discrepancy is corrected and resolved any sale dates, including the current XX/XX/2021, sale date, will be considered unlawful and illegal, even as stipulated by SLS representatives themselves. 

Until this legal discrepancy is legally resolved, and this incorrect information is legally corrected in order to move forward, I am formally, once again in writing, DISPUTING and commanding that SLS stop discriminating against my right to attain a modification, keeping me from receiving a lawful and fair modification that would maintain my true legal ownership once loan is paid and protect all payments being made as going to the correct property. 
As it stands, I have no Assignments, no proof of a true, wet-ink signed Deed and Note together, ( legally must be together or VOID ), and which state the correct legal on my property pertaining to this loan Thank you for your attention to this legal matter, as it is of utmost importance. Please let me also know in writing that the XX/XX/2021, sale date has been cancelled as well as any future sale dates until we can legally resolve this legal discrepancy.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Since XXXX  of this year my personal information has been stolen, and my card charged four times resulting in my accounts being closed and new cards being opened. This has hit my credit and negatively effected my score.

The company has done nothing to prevent this from reoccurring. I need help to make this stop.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

see attached Equifax was notified XX/XX/2022 of account ( s ) resulting from identity theft and have failed to block account 4 days after receipt.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX of the office of the CEO called customer regarding my previous complaint on XX/XX/22 and XX/XX/22. On both calls XXXX eluded to the customer being responsible for not completing transactions on the account. XXXX XXXX further refused to provide company policy or documentation to support her assertation that I was required to have an additional XXXX on file with the Bank. XXXX XXXX was unable to verbalize why the bank was not in possession of documentation completed when the account was opened in the branch in XXXX Texas, or any subsequent e-documents completed through their portal. XXXX XXXX was able to state that there was a known glitch with blocking access to the account but that it was not stopping transactions. She however failed to acknowledge that you must be able to access the account in order to perform transactions within it online or within the XXXX, which was blocked from access and therefor blocked from performing any transactions. XXXX XXXX was adamite about providing information that any debit cards continued to work no matter what was going on online. Had XXXX XXXX researched the customer 's account she would have know that the debit card and bank are not utilized with USAA in this manner. 

It is therefore asserted that XXXX XXXX intentionally blamed the consumer for all faults of the bank and intentionally attempted to mislead and deflect from the stated issues in order not to address them. When asked to speak to her XXXX XXXX XXXX told the customer that there was no one higher to speak with that would address her issues. 

XXXX XXXX has a XXXX named XXXX XXXX. 

XXXX XXXX ended her conversation on XX/XX/22 stating that the customer could read her report and conclusion from the CFPB. 

The CEO 's office was called and notified of the XXXX XXXX 's actions on XX/XX/22 representative XXXX XXXX took the information during the call.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CT)

last month I received notification that National Recovery Service put a derogatory remark on my credit report for {$600.00} relating to an unpaid gas bill with XXXX Gas and Electric from usage between XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX in XXXX, XXXX. I sold that property in XXXX and have lived in XXXX  since XXXX so it is not my bill. I have contacted XXXX Gas and Electric and they explained to me that I somehow set up an option where if noone 's name is attached to the gas bill the gas bill is forwarded to my name ( I don't remember doing this ). But I should not be responsible for a future owner 's gas bill and this is ruining my excellent credit. I have requested investigations from XXXX, National Recovery, and all credit bureaus but have not gotten anywhere.