davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MA)

DEAR XXXX XXXX XXXX ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (AR)

COLLECTOR ONCE AGAIN VIOLATED FCRA-FDCPA AND TCPA BY CALLING MY MOMS CELL 11 TIMES. THEY PURCHASED SAID DEBT THAT WAS PARTIALLY PAID LAST WEEK.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX  XXXX XXXX, XXXX put a Wage Garnishment on my account. the date was XX/XX/XXXX18. I contacted them and did a Payment In Full over the phone. They are continuing to report to all of the credit burrows as delinquent not once but 5 times for one account. i want this to be corrected back to the date of XX/XX/2018 as paid in full and corrected to current date and going forward. I have contacted them and they state that my debt in question has been sold. How can they sell a debt has has been paid in full? I have the authorization number of the one time payment, also the statement from my bank that it was paid. i just want this to be rectified.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

XXXX  XXXX XXXX, XXXX put a Wage Garnishment on my account. the date was XX/XX/XXXX-18. I  contacted them and did a Payment In Full over the phone. They are continuing to report to all of the credit burrows as delinquent not once but 5 times for one account. i want this to be corrected back to the date of XX/XX/2018 as paid in full and corrected to current date and going forward. I have contacted them and they state that my debt in question has been sold. How can they sell a debt has has been paid in full? I have the authorization number of the one time payment, also the statement from my bank that it was paid. i just want this to be rectified.
Consumer complaint received 2019-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2018 I sent a certify letter to the credit bureaus regarding the account on my credit report asking for verfiication, as a result I was sent a letter from Midland Credit and statement for verfication, which is not valid I'm requesting a contract with my signature.
Consumer complaint received 2018-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lowcountry Credit Inc. (SC)

Lowcountry Credit ( Owned XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX I cosigner for my son on a used XXXX XXXX in XX/XX/XXXX. 3 weeks after we had the car it left him stranded radiator system was rigged per XXXX XXXX   mechanics. Two weeks tires started looking air took it to XXXX XXXX, told all four tires were dry rotted. Notified the the XXXX XXXX used car place notified the bank every time. Over 3 months time my son had a car he had missed work, towing fees mechanic fees because this car was sold and it was a dangerous car. Dealership offered to pit 2 new front tires on so they did. Again 2 more dry rotted tires. By XX/XX/XXXX the car was undrivable my son and I made NUMEROIS calls to the dealership and Lowcountry Credit for help getting him a different safer car bc they sold a lemon and they knew it. They absolutely would not budge. We voluntarily turned the car in. XXXX XXXX Lowcountry Credit had to come tow the car bc it was undriveable. Today XXXX I am trying to buy myself a car and I looked at my credit and this bank still had us on as owing XXXX dollars and we were in good standing per XXXX Problem is they never reported the repo so it looks like I owe XXXX dollars. They wrote a letter today stating they didn't repo it until XX/XX/XXXX which is a lie. We never made another payment as of XX/XX/XXXX and turned it in so why would they wait 5 months to " come tow the car : they didn't. Now they want to say it was only sold for {$2400.00} which is also them changing numbers in their co.puter to make it look the way they want so I supposedly owe {$9300.00}. Now they want to report it to the agency. Problem is they are lieing fraudulent numbers and IF it had been reported 2 years ago I would have it off my credit within the next year. This company is an old XXXX SC family owned business that has been defrauding the public for years and then they cover it up at MY expense. Please help. Their a bunch of dishonest crooks. They fix their books and records. 
Thank you
Consumer complaint received 2018-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have several times have requested Capital One and XXXX to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.
Consumer complaint received 2022-07-12
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. (PA)

In accordance with the Fair Credit Reporting act 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 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: AMERICAN EXPRESS COMPANY (NJ)

I have a loan with XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and AMEX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: The CMI Group, Inc. (CA)

I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that Charter DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
Consumer complaint received 2019-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CA)

Selene Finance and XXXX XXXX XXXX conducted an illegal non judicial foreclosure violating my bankruptcy stay. The have ignored correspondence and have no standing on alleged Deed of Trust they have based their predatory practices. ( Exhibit 1 ) Timeline : Foreclosure Sale date scheduled XX/XX/XXXX. Filed by new trustee without notice and based on invalid Notice of Default dated XX/XX/XXXX identified with different TS # XXXX. And illegally filed as California Declaration of Compliance was dated XX/XX/XXXX ( Attached ) which was during an active Bankruptcy. ( Exhibit 2 ). They filed for foreclosure sale again on XX/XX/XXXX, XX/XX/XXXX and illegally foreclosed on XX/XX/XXXX. Alleged loan shows current as of XXXX. ( Attached ) Attached : 1. Fraudulent Substitution of Trustee which was recorded by Beneficiary that was assigned after the Substitution of Trustee who assigned it. 

2. Debt Validation by former alleged Trustee stating over {$640000.00} dated XX/XX/XXXX conflicting with attorney for former alleged servicer XXXX dated XX/XX/XXXX as default being {$340000.00}. This was under oath in Bankruptcy Court which was discharged XX/XX/XXXX. 

XXXX. Notice to Quit posted to my door by XXXX XXXX XXXX XXXX on XX/XX/XXXX. Continued violating Bankruptcy Stay and constant visits by Realtor hired by Selene Finance.
Consumer complaint received 2023-08-03
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2019-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My mother had a capital one 360 account. She passed away in XX/XX/XXXX. I started the process of trying to liquidate her account and get it transferred to her estate account in the beginning of XXXX. there have been various back and fourth. of them wanting more or different paper work but I believe the bank had all of the required forms and instruction as of Tuesday a week ago. XX/XX/XXXX. I called and confirmed and they stated that it would take 5-7 days to process. I called today XX/XX/XXXX and they confirmed they had all the right paper work but it would take 40-50 days to process.the manger also refused to let me talk to her boss and stated that he doesn't take calls. XXXX employee number XXXX
Consumer complaint received 2019-01-19
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. (IN)

In light of new documentation received by XXXX regarding disbarment date for the entire life of these student loans Acct # Remove Late Payments & Correct Complete Payment history for these accounts ( Open to close ). Please make sure these are update to show ( NR ) as paid on time and ( ANY LATES ) to paid on time for each and every month. Thanks For each and every one of these loans, this payment dates look pretty much like it does below I know its a lot and I apologize you had to be the one to get this, but thanks in advance for doing this correctly.

( Accounts with late payments ranging for ( XX/XX/XXXX-XX/XX/XXXX ), which were covered, under either a deferment, forbearance or grace period. As proven via XXXX XXXX XXXX disbursements )
Consumer complaint received 2023-08-03
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}
Consumer complaint received 2019-01-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a Citi Priority Account Package on line on XX/XX/2018 during Citibank had a promotional opening bonus between XXXX. ( see attachment 1 ) Citibank sent me a message states my application of Citi Priority Account Package with Regular Checking and Citi Savings is being processed. ( see attachment 2 ) Per their promotion requirement, I deposited {$50000.00} bank fund into my City Priority account around XX/XX/18 and maintained the same balance until XX/XX/18. 

Since I have not received {$600.00} cash bonus, I questioned Citibank and ask for the promotion on XX/XX/2018. 

XX/XX/18, Citibank denied my request and provided a reason that I did not opened a saving account during their promotion period. ( See attachment # 3 ) Here is my complaint : 1. I opened Citi Priority Account Package with Regular checking and SAVINGS at same time. Citi 's application confirmation shows so. 

2. If I am NOT eligible to open the Savings account, should Citi send me any notice on this issue once their process is done? Why I have nerve receive any notification from Citibank since I applied to open a Citi Savings?? 

Perhaps Citibank had a mistake on their process and not open a savings account for me. Then they have to honor this promotion bonus to me. If they continually blame customer do not meet their requirement, that could be a cheating and misleading!
Consumer complaint received 2023-08-08
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: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX XXXX I was associated with apparently opened an American Express Card account using my information and credit. ThaXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to use that account and to make payments on it until the death of my spouse of 49 years, XXXX XXXX XXXX. who passed away on XX/XX/2021. Within months of her passing, I received notice from American Express National bank that I was the named XXXX for the account in question. I informed them that I had never opened or maintained that account, and that it was opened by someone within the named XXXX XXXX without my permission, and that I was not the responsible party. I later learned that my wife had apparently opened the acoount without my permission, and I filed an Identity Theft claim with the FTC. American Express National Bank contends that since the card agreement was mailed to my address and the account was used, that I continue to be the responsible party for payment, now that the XXXX XXXX has closed. I continue to contend that I never agreed to open said account, never knew that I had been named the responsible party, and that I never benefited from the account.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MO)

Square customer service maliciously treats customers, issues account XXXX instructions at will, and abuses the terms of service. The frozen funds will not be released after the account is deactivated for two years, and the email content will not be released in the first place. Contacted them, refused to respond to customer messages, and maliciously withdrew funds from my savings account.
Consumer complaint received 2020-06-05
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I reported three unauthorized transactions made with my XXXX XXXX Credit Card for purchases at two grocery stores. My credit card was stolen that same day at one of the grocery stores where the charges were made. After I called the company to report it, the three transactions were removed from my statement. 

On XX/XX/2020 I received a notice from the credit card company ( Chase ) stating that I am responsible for two of the unauthorized transactions because apparently I " received benefit from the transaction '' The two unauthorized transactions are : - XXXX XXXX # XXXX - {$330.00} - XXXX  XXXX # XXXX - {$56.00} These charges have been now added to my account statement and the credit card company has not provided responded to my request.
Consumer complaint received 2019-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Results Unlimited, Inc. (NJ)

In XXXX, I was never served with court documentation of court date. Due diligence was not afforded to me. A judgment was placed and a lien on my account surfaced in XXXX as well as a wage garnishment. This wage garnishment caused me to become homeless with a dependent as well as other funds in my accounts. The agency purposely had the Notice of Lien forwarded to a random address in XXXX XXXX with my personal information in it. I had to drive to XXXX XXXX to get the resident to agree to sign a notarized letter indicating I never resided there or received mail there. After investigation and a documentation trail, it was discovered this debt was paid. In XX/XX/XXXX, I showed proof to the judge I was not served properly and that the agency and its attorney purposely denied me due diligence to deceive the court. The judgment was vacated in XX/XX/XXXX. The court was notified with their required form with my new address. The funds were returned. In XX/XX/XXXX, we went back to court where I had already began the process of filing for bankruptcy. The case was non suited.. In XXXX, XXXX I received a message via social media by a former neighbor in XXXX that I was served at her address in XXXX with a court date in XX/XX/XXXX. The court date was continued until XX/XX/XXXX where the bankruptcy was already in place. Documentation was supplied to the court. Each court visit caused me to travel from XXXX XXXX to XXXX, I was charged {$100.00} by each bank for the lien fees. I had to stay in a hotel for 6 months until the judgment was vacated. This debt was satisfied back in XX/XX/XXXX. Each time the agency and their attorney filed in court, they purposely had me served at my former address in XXXX, knowing I lived out of state and were aware of my current address.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2019-01-07
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: EQUIFAX, INC. (TX)

I've called and mailed the bureaus and asked to have the info corrected. The problem is still here. I can not pull up or see my credit report nor my credit scores.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (NY)

On my credit reports there is a closed account with huge amount of missed payments. SANTANDER CONSUMER U Opened XXXX XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SANTANDER CONSUMER U has violated my rights as a consumer and I requesting legal action to remove this account immediately.