davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (WA)

XX/XX/XXXX : On XX/XX/XXXX, my husband XXXX XXXX died. I am his wife/widow and was appointed as his Personal Representative. I quickly notified Citibank of his death and subsequently provided it with the documents issued by the Court. Citibank assigned it to XXXX XXXX XXXX Services ( XXXX  ). XXXX advised in several phone calls that once the account was assigned to it, that ALL late charges and interest fees were frozen and that the amount owed was the amount due on the date of XXXX XXXX ' death. I asked and their representative could not tell about repayment deadlines. XXXX 's letter dated XX/XX/XXXX shows the amount owed on that date as {$4500.00}. I made payments to Citibank : XX/XX/XXXX : {$180.00}, XX/XX/XXXX : {$750.00}, XX/XX/XXXX : {$350.00}, XX/XX/XXXX : {$500.00}, XX/XX/XXXX : {$350.00} TOTALING : {$2100.00}. On XX/XX/XXXX I called XXXX & asked for a balance. Their Representative said the account was returned to Citibank in XX/XX/XXXX & gave me a phone number to Citibank Probate Dept. On XX/XX/XXXX I received a 1099-C issued to XXXX which shows a date of XX/XX/XXXX for {$4300.00}. I called Citibank & spoke to Representative # XXXX and asked how Citibank got the amount in the 1099-C because the amount didn't reflect the payments I made and NO ONE told me that it was going to be " Cancelled '' or that a 1099-C would be issued. She told me she didn't have any information & to talk to my tax advisor. I told her that suggestion was ridiculous and that my tax advisor would have NO information. I asked for a Supervisor or Manager. She said none was available. I asked for the name of someone somewhere that I could ask my questions & was referred to the Presidential Dept of Citibank in XXXX XXXX, SD which she said had NO phone number, NO fax number and NO email address. I sent a letter to the address on XX/XX/XXXX. Today I received a letter from Citibank dated XX/XX/XXXX which said the debt in the 1099-C was accurate and gave me NO other options to address my concerns.
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I 'm in the process of trying to get financing for a home and TransUnion will not update my information correctly. They will not include accounts that I am a Authorized user on, on my credit file. They will not report correct balances on credit accounts on my credit file also. I have credit ( available credit ) that is n't being reported and that is causing my file to not show what my available credit is.
Consumer complaint received 2022-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (MN)

On XXXX I was notified by XXXX that a credit inquiry had been done on my account through XXXX by XXXX XXXX. Having not applied or any knowledge of new credit or AVANT I contacted Avant to obtain more information which they were not forthcoming with. After several calls I eventually made it through to a fraud area at Avant and filed and inquiry on XXXX indicating I had not applied or had knowledge of business with Avant. On XX/XX/XXXX I received an email from Avant indicating a credit card was approved and issued in my name while requesting completion of an affidavit. After completing their affidavit, police report, and IC3 report I submitted to them the requested information on the same day. On XX/XX/XXXX I received a similar email requesting similar information again which I again replied with the affidavit as they had asked. On XXXX XXXX notified my the credit card now had a balance and I again called Avant asking for them to stop the card. They do not seem interested in terminating the card in a timely manner given the seriousness of the issue. I am concerned they may be trying to collect fees or falsifying accounts similar to what XXXX XXXX did several years ago. Very frustrating and time consuming for a consumer who has worked hard to obtain excellent credit rating.
Consumer complaint received 2017-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection (PA)

I had service with   XXXX    XXXX  and I stopped paying because I wanted to cancel my service and they were not willing to cancel my service. So, before  XXXX  I stopped paying. I did not pay any service to  XXXX   XXXX  ; so, basically that would be called the delinquency date. I found out that I had a collection with a delinquency date of  XXXX ,  XXXX  which I dispute since that delinquency is not correct because I stopped paying before  XXXX .     Perfection Collection responded by "  XXXX , The delinquency date we were provided when we purchased the account is  XX/XX/XXXX . We are willing to settle this account for 50 % of the balance owed. Once settled, we will delete this account from the credit bureaus in it 's entirety. '' So basically they are saying that they purchased the account and the delinquency date is  XX/XX/XXXX . So they say they are not responsible for providing a false delinquency date. This is not acceptable
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NJ)

This acima credit company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem. bill. 
I need proof that this account is mine, they used my false documents to open that account for someone, damaging my credit report
Consumer complaint received 2019-03-22
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. (PA)

I dont know why XXXX is on my report as a negative item. I have XXXX service now. Its stating that i open this account back in XXXX. That the account went into collections for {$570.00} in XX/XX/XXXX. This is false i've tried fixing this and they say the have no record of it and they only see my account that is active now which is current.
Consumer complaint received 2022-05-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Loan servicing was transferred from XXXX to Carrington Mortgage on XX/XX/XXXX. Loan was boarded into Carrington Loan Servicing on XX/XX/XXXX - I setup an ACH for scheduled monthly mortgage payments, effective XX/XX/XXXX. I also made an online payment with Carrington for the XXXX payment also on XX/XX/XXXX. We have now received two Late Payment Notices from Carrington. Yesterday, my wife called Carrington to get the matter straightened out. They confirmed that I had provided the correct account number and routing number but claimed I did have enough money in my checking account to cover the cost of my mortgage payment. In fact, I have ten times the amount of my mortgage payment in my checking account. So not only are the 100 % wrong in their facts, but I shouldn't even be getting late notices to begin with as I am within the 60-day window from servicing transfer.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NM)

When I answered the questions about my personal info they said the info does n't match their records and I know I answered correctly, I went through this process three times and got the same response each time, so they have wrong info, I could not even get to a dispute form, someone is using my info because what I was disputing was XXXX hard inquiries that I did not make and a collections on a account I did not make. XXXX of the inquiries was just last month.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX account was created that i did not authorize and was un aware of until now.

over 92 credit cards have been applied for in my name that i never signed up for.
Consumer complaint received 2021-03-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Ditech XXXX Shellpoint XXXX To Whom It May Concern : Your assistance in resolving the following matter is needed, Our mortgage was serviced by Ditech until XXXX of XXXX. All payments were properly recorded and the account status was current. 

Ditech went into bankruptcy and was bought by New Rez ( dba ) Shellpoint. This is where the nightmare began. Neither Ditech nor Shellpoint sent any notification that the loan had been sold. I found the information by going to the Ditech website to make a payment XX/XX/XXXX. I then searched for the information on how to pay Shellpoint. 
Our account has been protected by bankruptcy which we filed in XXXX. All post petition payments were made directly to the Ditech website. However Shellpoint said they would not allow payments to be made directly on their site due to bankruptcy. I therefore made the first payment by debit, on the phone with Shellpoint on XX/XX/XXXX. All subsequent payments have been made via bill pay from my XXXX XXXX checking account. We completed our final bankruptcy payment on XX/XX/XXXX and the court sent out a document of final cure for which New Rez 's legal representation responded that the account was current with no arrearage. Immediately after final payment ( XXXX ) Shellpoint began calling claiming our account was two payments past due. This is incorrect and we have documents to support. I attempted to communicate with Shellpoint on multiple occasions but they refused to either acknowledge receipt of documents sent to them or correct the matter. 

I reported this activity to our Bankruptcy attorney who notified the court. 

While the matter has been corrected by Shellpoint as the court directed, this poor accounting and perhaps egregious attempt to create foreclosure circumstances has created great stress and anguish for us. We were repeated harassed by collection calls and erroneously reported as late to credit bureaus. Additionally, I suspect there have been errors in applying escrow payments as Ditech showed a positive balance and Shellpoint shows a negative. I therefore am seeking your assistance in getting this matter corrected and that all information is provided in written format. That all credit agencies are notified, and any fees, or charges related to this matter are refunded along with any penalties or fines applicable are assessed. 

Urgency in resolving this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On the evening of XX/XX/XXXX, I received a notification from XXXX XXXX that my credit score had dropped significantly. Since I knew of no reason this should have happened, I logged into the XXXX XXXX site to see why I was receiving this very confusing notification. I was stunned to see that Capitol One had reported my account delinquent. Not only that, it was specified that I was over 30 days late and had missed a payment. Since neither of these things is true, I called Capitol One the next day, XX/XX/XXXX to investigate the error. 
The first person I spoke with told me that Capitol One doesnt report an account late until 30 days after a payment is late. I told her that I was never 30 days late and that I was looking at my account on their own website during our call and this information proved I was correct. The payment in question was XX/XX/XXXX. My account history shows a payment made in XX/XX/XXXX. However, Capitol One had, indeed, reported me 30 days late with a missed payment. Again, their own website shows this to be false. I did make my XX/XX/XXXX payment 14 days late and do accept full responsibility for this. But I was NOT 30 days late and I DID NOT miss a payment. Capitol One received, accepted and posted my XX/XX/XXXX payment in XX/XX/XXXX. The representative couldnt understand why my account was reported in this false manner. She asked if I minded being put on hold while she checked into it for me. I agreed and was put on hold for more than 15 minutes. She never returned and I was subsequently hung up on. 
I called back. The next person couldnt help me either and the call went pretty much the same way so she put me through to a supervisor. This persons explanation was fairly ridiculous. Although I was NEVER 30 days late and certainly NEVER missed a payment, and Capitol One did receive, accept and post my XX/XX/XXXX payment in XX/XX/XXXX, because my payment had fallen into their next cycle it had been applied to the following month, XX/XX/XXXX, although, nowhere on their website is this indicated and I was not notified they had done this.. This, to me, seems like a Capitol One, internal bookkeeping issue, not an excuse to criminally file false credit information which dropped my credit score XXXX points over night. 
Even though their own site shows my XX/XX/XXXX payment paid in XX/XX/XXXX, they refused to accept responsibility for their actions and told me my only recourse was to file a dispute with their Disputes Department, which can only be done by snail mail. I am mailing my dispute letter today. All of this will remain damaging on my credit report unless they correct their error ... if they agree to correct it. A bad report that lowers a credit score takes a very long time to correct, even if the information is incorrect and later changed. The damage is done!
Consumer complaint received 2022-05-06
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. (IN)

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under -15 USC 1681 section 602 A. states I have the rights to privacy. -15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also the credit bureaus took more than 30 days to complete my investigation certified mail tracking # XXXX, XXXX # XXXX
Consumer complaint received 2019-04-24
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TCF NATIONAL BANK (FL)

I am currently 29 days overdue on my auto loan. The lender, XXXX XXXX, has my proper address and phone number. They call daily about the debt but I have been unable to catch up. They send letters to my address. I have responded to phone calls. I have not changed address or phone numbers since I first took on the debt. 

Today, XX/XX/2019, they contact my brother and left a message that I had to contact XXXX XXXX. They are not supposed to contact relatives when they have good contact information for me which I am reachable at. 

This same problem happened approximately 1 year ago and I contacted XXXX XXXX and asked them to remove my family members from their records. I explained that my contact information has not changed and I am reachable and receiving their calls. They agreed. Today they contacted my family again in an attempt to harass me. My contact information has been the same since I took the loan.
Consumer complaint received 2022-05-06
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXXXXXX XXXXt : XXXX XXXX, has violated my rights. 
XXXX 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 an account without any written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-06
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXX XXXX  : XXXX XXXX, has violated my rights. 
XXXX 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 an account without any written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-08
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. (AR)

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (KY)

We are XXXX citizens living in XXXX. Wells Fargo is closing our bank account with them in their DC branch because we do not have a XXXX address. This is due to the US Patriot Act. That Act does not stop any XXXX bank from having a non XXXX address. It is because of the extra cost of Patriot Act due diligence that Wells and increasingly other XXXX banks are denying bank access to XXXX citizens and taxpayers that live abroad.
Consumer complaint received 2022-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (OH)

On XX/XX/2022 I received notice from my mortgage company XXXX Primary Residential Mortgage that my payment was going to increase on XX/XX/2022 by {$440.00} a month. 
I have called several times and even submitted a formal complaint with no resolve. 

I was told they miscalculated my property taxes at close and are needing me to make up the difference ( backpay ). 

The previous owner was on homestead tax program and they went off of that. 

I received a 2 week notice and the company made it very clear there is nothing i could do. 

If I had this information I would not have gotten the house. I made it clear I needed to stay around {$1000.00} a month or less. My payment is now over {$1400.00} with this adjustment. I have been paying it so I do not have a mark on my credit report.
Consumer complaint received 2021-11-06
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. (CA)

I have reached out to XXXX, XXXX, and Equifax four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.