davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2020-09-15
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. (MO)

EQUIFAX PLACED ACCOUNTS THAT HAS ALREADY BEEN DELETED BACK ON MY CREDIT REPORT.. THE FOLLOWING FRAUDULENT ACCOUNTS WERE ALREADY DELETED : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX OPENED : XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/XXXX
Consumer complaint received 2022-09-02
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

My husband and I have been Citibank customers for over 40 years. Over the years he has had a checking account where I have been a signer. About 5 years ago we completed paperwork ( which I do not have ) to turn this into a joint account. I have always had banking access to this account on and off line. 
My husband died on XX/XX/2018. I am his estate executor.I went to the bank branch on XXXX XXXX XXXX in XXXX with his death certificate to straighten out the account and report his death in XX/XX/XXXX. 
The bank stated that ( " according to their computer '' records ) not only did I not have any authority but I was not noted as a signer. I asked for the account paperwork and this was was something they could not/would not entertain. 
Unknown to me, the account then was closed down so that I no longer had access. 
All my financial statements, bill payment information and check copies and year end summaries for 2018 and prior were inaccessible. In other words my entire financial life was " erased '' could not be used. 
For estate settlement purposes, taxes and general record keeping this is an untenable position and creates a significant hardship in recreating valuable information. 

I contacted Citi 's phone customer service at least 6 times between XX/XX/XXXX and this writing requesting bank statements, bill payment information ( both payees, and histories which they said they could migrate to my account-this didn't happen ). I did get emailed bank statements for 2018. That is not enough. They said they could not restore access and have failed to provide me with the needed info. This practice is highly detrimental, and clearly the information imputed into the computer about this account is inaccurate. 
I would like to regain full access to this account so I can handle my financial life and husbands death. A closed account that is inaccessible like this is unexcusable in this type of situation. 
thank you
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I Mr.XXXX  XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX XXXX account # XXXX opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

I have removed someone from my checking account two weeks ago and they used a check to withdraw money from my account. We were both still on the checks and I didn't know they still had them. When removing them from the account I asked the banker if they would have any access to my account or the money in it and they said no. I called Chase and they told me it is up to me to get the money back because both of our names are on the checks even though she is not on the account.
Consumer complaint received 2019-01-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2018, I received a bank notice that unless real estate taxes were paid by XX/XX/XXXX, my home ould be put up for a tax sale. ( The notice was dated XX/XX/XXXXbut not received until XX/XX/XXXX. This is the same day the bank took action ). I usually pay my taxes late and have never had a problem before. 
On XX/XX/XXXX I went to the bank to get a cashiers check. The teller could not do it. The manger came out and said my home equity account was frozen as the bank paid my taxes. I went to my town tax collector and they said they did not receive my taxes and they did not send a notice to the bank. If I paid my taxes that day it would have been approx {$13.00} less. 
I went to the parking lot and called the bank. After speaking to more XXXX and then XXXX XXXX was pushed to a third party. A woman from the executive branch informed me they sent the payment on XX/XX/XXXX and my account was frozen. 
I have been at my same branch for over 35 years.. From XXXX XXXX to XXXX to Wells Fargo . I have 6 accounts with Wells Fargo and have NEVER had an issue before. My accounts were always paid. 
Now I find that besides my account being frozen, they have ruined my credit score I went from very good to poor. They also debited my account on XX/XX/XXXX while the check did not get to the town until XX/XX/XXXX.
Consumer complaint received 2023-01-26
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: CORELOGIC INC (FL)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. 

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2019-02-06
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. (NC)

We were the victims of a real estate scam that forced a bankruptcy filing. Bankruptcy ; Docket : XXXX XXXX The bankruptcy was vacated. Both XXXX and XXXX quickly removed the item, and we shared the removal letters with Experian, and they refuse to comply with the results of the investigation of the other two bureaus and are in violation of Section 623 of the FCRA, Section D, information to this effect is to be shared with your bureau.

( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.

Also we provided them copies of both removal letters and a follow up letter from XXXX citing that the item in question no longer appears. In conjunction we have contacted the courthouse where matter was disposed of and were told on more than one occasion that there was no way that Experian verified or validated a debt through them given that court dockets are not shared with credit bureaus. We have been asking since XX/XX/18 for proof of the method of validation and have been ignored.
Consumer complaint received 2022-09-02
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. (DE)

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 

-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

XXXX XXXX debt was paid in full to original creditor XX/XX/XXXX. I was told by original creditor debt would be removed within 30 days by TSI collection agency on two occasions by phone in XX/XX/XXXX and XX/XX/XXXX. Received collection notice debt paid in full with a XXXX  balance from TSI transworld systems XX/XX/XXXX. Account is still reporting on all three credit reports after being told it would be removed in XX/XX/XXXX it is now XX/XX/XXXX.
Consumer complaint received 2018-11-25
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Adler Wallach & Associates, Inc. (CA)

I pulled my credit report and I noticed that collection agency on there ill contact them and they ask me to verify my address the address they have never lived there XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (FL)

I've been a faithful customer of that agency since 2016 being this the second time I borrowed money from them. I was given the options of paying full amount lend in 3 months and I took it. I had made two payments of {$240.00} in XXXX and XXXX respectively. I asked to be called before XXXX payment due day in an attempt to make my payment, and I was not called. Even though we all have been affected by this unprecedented pandemic, I wanted to fulfill my debt and pay the remaining balance. 
I called the company, and I spoke with XXXX ( allegedly supervisor ) who confirmed my account is past due the 90 days grace period. I was also told I had to pay {$790.00} instead even though I had paid over 75 % already. I asked supervisor what benefits were they been given to the customers as a result of COVID 19? I declared I had sacrificed those {$240.00} out of my family budget to be in compliance and to avoid further credit issues, but no one listened. I was told those were the policies, and he could not do anything about it. 

Most companies have pop-up messages related COVID 19 information, assistance and resources for their clientele and customers. As of today, ACIMA DOES NOT. 
Most companies, even the government, mortgage lenders, credit bureaus have been given US citizens the opportunity to " financially recover '' from the pandemic. ACIMA DOES NOT.

Many private business have shown empathy to its customers during this unprecedented situation. ACIMA DOES NOT. 

As the institution that overseas ACIMA CREDIT, I'm reaching out to you to advocate not only for me, but for most of ACIMA customers that may be going through similar situations. Most of us that are committed to be in compliance even though we have been expansively affected, but we encounter senseless companies like this that only care about money not the public.
Consumer complaint received 2022-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Consumer complaint received 2023-12-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (NC)

Background : I have been a loyal customer of Cash App since XXXX. I have used the service for paying and receiving funds from family and friends. 
Early XX/XX/XXXX, I used the service to transfer crypto payments locally and internationally. 

The issues : 1- some of my XXXX payments in XXXX and XXXX were unknowingly and unfortunately to website scammers that resulted in loosing my funds 2- it seems that Cash App knows about those websites and didnt warn me to not pay 3- late XX/XX/XXXX Cash App suddenly closed my account without notifying me 4- on early XXXX, I tried to use the app and digitally was told that my account was closed 5- I contacted customer service 4 times to ask for a reason to close my account and was told that they will email me of the resolution 6- however I havent received a single email or an answer to my account closure
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC (AR)

Lloyd & McDaniel PLC attorney, XXXX XXXX XXXX filed a writ of garnishment on me for a XXXX  XXXX XXXX that was dismissed in XXXX. They failed to notify me by first class mail within 5 days of the filing. They did not attempt to have me served with the writ at all. They had XXXX $ taken from my check through my employer without even notifying me of a debt, receipt XXXX through XXXX XXXX XXXX XXXX. They failed to provide me or the court with a copy of the judgement they say they were awarded XX/XX/2018. They mailed a large envelope of another person 's legal matter to me by accident in XXXX. They are harassing me for a debt that was already dismissed and failed to follow the fair debt collection practice act. This was published on our courts website as a wage garnishment and it's not accurate. They're deceptive collection practices are unlawful and violate my rights. The bottom of the attached file states they would notify me by certified mail within 5 days and they failed to do so. An attempt was not made to notify me at all.
Consumer complaint received 2019-01-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Did Not validate any thing in there response just hearsay, NOT one documents shows there right to report to the CRA 's while in dispute and refuse to show legal documentation of any contract with myself XXXX  XXXX  and PRA, Nor a contract with PRA and myself NOTHING .FDCPA section 805 { b } states without prior consent of the CONSUMER { myself } given directly to the debt collector a debt collector may not communicate, in connection of any debt. also FCRA also does not allow 3rd party collectors to inquire on a consumer credit reports
Consumer complaint received 2022-09-02
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. (DE)

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 

-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer. 
-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2017-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX I moved to XXXX from XXXX I contacted Countrywide and told them that I had {$61000.00} and needed to buy a home. I had an appointment to meet a lady at the XXXX XXXX XXXX. I was on XXXX, and had just gotten a job as a XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX. I gave them my information in a week I got the home. In XX/XX/XXXX or XX/XX/XXXX I was given information on direction on where I was supposed to meet them also the bank information with a cashier 's check of more than 61,000. The first mortgage payment came in shock I contacted countrywide to let them know that the payment was too high for me that I do n't make that much, I was transferred from telephone lines to lines to avail. after two years of struggling borrowing money from family members and friends until I could n't get anymore. In XX/XX/XXXX I was served with foreclosure I was referred to many people for help including XXXX XXXX XXXX which I paid {$400.00} plus a month till XX/XX/XXXX They never helped, they always dismissed all of my request for help I never know who my lawyer was. In XX/XX/XXXX I filed for bankruptcy with another lawyer my home was included in it, after maybe a couple of month bank of America removed itself from the bankruptcy I asked for a modification during the hearing mediation, bank of America told me my lawyer and the mediator that I was not qualified, they do not participate in the Obama assistance program the only thing they can do for me is that they will sell me the home for {$190000.00} but I have to give them {$30000.00} down if I can not give the money they can not help me because I 'm qualify for the modification. I told them it was the same money that I am making now that I purchased the home I never got a raise. they said no and sold the home to itself. My last day to leave my home is XX/XX/XXXX I have no money to rent and they were not going to help me financially if I do n't moved the sheriff will put my stuff out on the street. I am left homeless because I trusted countrywide. Also Bank of America has my daughter 's name XXXX XXXX in all legal documents in which my daughter has nothing to do with the mortgage and the foreclosure that is not right when I purchase the home my daughter was a child I do n't think it 's fair to do that. Thank you
Consumer complaint received 2019-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (FL)

I notified the company CPS about my recent accident on XX/XX/XXXX. My car had pretty significant damages but I was currently taking the other driver to court and paying my loan and insurance and also notified CPS around XXXX XXXX. that I would need an extension until I go back to work XX/XX/XXXX. An extension was granted and to this day it states I don't have anything due until XX/XX/XXXX. I found out today XX/XX/2019. My vehicle was repo 'd while at the repair shop. I received no phone call/voicemail/letter stating this was going to happen. No notice stating that it was even an option. If it were, I would have done what was needed to prevent it. Especially while currently dealing with an auto injury/ prop damage case.
Consumer complaint received 2020-09-15
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. (CA)

A landlord fraudulently billed me for charges I did not owe. I sent all details and evidence to Experian and they did nothing. The landlord has never given any evidence.
Consumer complaint received 2022-09-02
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. (GA)

Asked credit companies to do verification. They did and I found inaccuracies on my end. 

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX has violated my rights. 

15U.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 INSTRUCTION
Consumer complaint received 2022-09-01
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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