davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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: 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 XXXX and Equifax 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

In XX/XX/2020, I contacted my loan company based on letter I received regarding forbearance or loan modification from covid related issues. I filled out the application and was contacted my the home preservation representative. She would tell me what was needed and I would send. The last time I heard from her was end of XXXX requesting documents which I sent. That was the last time I ever talked to her. My calls and emails were not returned, I was sent letters requesting documentation that I needed her to clarify. I sent her copies of correspondence and asked her to clarify but no response. After weekly calls and emails, I received a letter denying me a modification because I didnt provide subsequent documentation. I believe my loan is owned by the bank and rather than talk to me, they just ignored me and my requests. The client representative would not return my calls and emails and I believe they just let the clock run until they could deny me.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

The reason for my CFPB complaint is I met the Citibank promotion requirements for their Basic Checking Accounts for two separate accounts, one for me and one for my wife as described below, and Citibank should deposit {$200.00} each into our accounts. Here are the details : On XX/XX/2020 I responded to Citibanks public offer for new checking account promotions. I opened a Citi Basic Checking account # ending in XXXX for myself with the promo terms of {$200.00} with a {$5000.00} deposit maintained in the ckg acct for 60 days. 

On XX/XX/2020 I spoke with the Citi Customer Service Representative to ask what address I should send my {$5000.00} deposit check to, and he responded : XXXX XXXX XXXX, XXXX, KY XXXX. I arranged for online payment of this check for {$5000.00} from my XXXX XXXX ckg acct on the XX/XX/XXXX. XXXX XXXX # XXXX was confirmed received by Citi on XX/XX/XXXX via a letter from Citi Cards - Payment Investigations. I received a copy of the cancelled check. 

Separately, my wife XXXX XXXX XXXX also opened a Citi Basic Checking account with the promo terms of {$200.00} with a {$5000.00} deposit maintained in the ckg acct XXXX for 60 days. I arranged for online payment of this check for {$5000.00} from my XXXX XXXX ckg acct on the following day, XX/XX/XXXX. XXXX XXXX # XXXX was confirmed received by Citi on XX/XX/XXXX via a letter from Citi Cards - Payment Investigations. I received a copy of the cancelled check. 

Therefore these two checks were confirmed received by Citibank, but never deposited in the newly-opened Basic Checking Accounts. I contacted Citi numerous times by telephone and in writing instructing them to deposit the two checks in the respective accounts for myself and my wife, and they never did this. 

Citi returned the $ XXXX funds to us separately on XX/XX/XXXX for my wife and XX/XX/XXXX for me. 

In separate emails sent to my wife and myself on XX/XX/XXXX, Citi states weve determined you havent fulfilled the Offers eligibility requirements for the following reason : The required deposit balances were not met during the offer period. 

My position is that both my wife and I met the promotion requirements since Citi held our $ XXXX funds for well over 60 days, and therefore should deposit the promo reward of {$200.00} each in our Citi ckg accts immediately.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Johnson Mark LLC (UT)

The physical description of the person they delivered the summons to for XXXX XXXX and XXXX XXXX doesn't even match mine. These guys are collecting on straw man accounts. They haven't been able to provide a single signature on the accounts in question. To me, the copies of the bills are fake, the letter stating I was being informed that my information was being sold to XXXX XXXX and XXXX is made up, nobody can provide me with delivery confirmation receipts or certified mail receipt. Aren't even able to provide copies of payments they claim were made to the account. Where are copies of canceled checks or bank account numbers associated with payment? These guys steal money from people without any proof. I was able to create/duplicate these bills very easily with software. I think that's all they did and now they're just hoping people fall for their scam. 

Why does your website look like a XXXX XXXX XXXX put it together? You guys steal enough money that you should try hiring a decent web designer so, maybe people don't question your legitimacy. These guys are nothing buy thieves. 

I don't know who the blonde with perfect eye sight was that you gave the summons ' to but, it most definitely wasn't me. 

XXXX also is now illegally reporting my address to someplace in New Jersey and XXXX XXXX and Johnson Mark are now sending collection notices to my attorney 's personal residence. They don't even have my address because I'm afraid they will continue harassing me on these bogus debts. 

I have had to move as a result of their clients illegally sharing my address with people. 

XXXX XXXX  actually just freely handed out my attorneys address before I even mentioned anything about an address. This is why nobody has my actual physical address and nobody will. This is also how identity theft happens. These are accounts are all a result of identity theft and after dealing with these scam companies, I now understand why identity theft is so rampant. They just freely give out PII without any verification.
Consumer complaint received 2022-07-27
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: ENCORE CAPITAL GROUP INC. (CT)

I asked the credit Beauru to do a verification of everything on my report. they did they stated everything was ok I did a thorough research and found improper inaccuraties on my account. 
In accordance with the fair credit reporting act 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 2017-02-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I have tried calling - never get to speak with an actual person. Everything to order the Free Credit Report based upon Credit Denial is very confusing. When I tried today, I had to enter everything either by responding verbally or by phone keypad, received my confirmation number but it then just kept repeating. THERE IS NO MEANS WHEN YOU CALL " To speak with a representative ''. What 's even more disturbing Equifax appears to make the requestor think they have to pay for the credit report - no mechanism to decline - then you have to hang up and start the phone call all over again. I believe Equifax is attempting to mislead someone like myself into paying for what I am legally entitled to for free. As a XXXX it is particularly disturbing and it is my request that the Consumers Finance Protection Bureau take action against Equifax for making is tremendously difficult for people to obtain their free credit reports.
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delivery Financial Services, LLC ()

This company double dips. They bill the insurance and the customer for the same thing. If the customer doesn't pay, they instantly send them to collections regardless of any proof provided. There is a clear history of this. Look at their XXXX reviews. PLEASE investigate them.
Consumer complaint received 2022-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Municipal Collections Services, Inc. (IL)

I have recently received a letter from Municipal Collection Services LLC in reference to an alleged amount due to ( XXXX  ) for {$200.00}. To my knowledge, I have never agreed to do any business with ( XXXX  ). As of my right, please provide written validation of any business agreement with your agency ( XXXX  ) per FCRA regulations.
Consumer complaint received 2019-01-15
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. (MI)

on XX/XX/2016, this account was opened by XXXX XXXX XXXX XXXX for a debt in the amount of {$140.00} for medical equipment ( XXXX  ) that was covered by my medical insurance. I have XXXX children as dependents listed on my medical insurance. XXXX child received a XXXX  less than a year before this was prescribed. i was billed when the XXXX child was prescribed a XXXX, in contacted my medical insurance provider whom sent me a explanation of benefits confirming this equipment was covered for one piece of equipment, per person, per year and that the coding on XXXX 's records could have been incorrect. I contact XXXX 's regarding this whom directed me to XXXX XXXX XXXX collection agency whom informed me all they could do was collect a payment. this has been reporting to all credit bureaus, with no resolution after filing a dispute.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2021 I opened a XXXX account and after adding my Hilton honors card to my paypal account, XXXX permanently XXXX my account for suspicious activity. Why this happened? What's wrong with my card? What's suspicious about my Amex card? 

On XX/XX/2021 I updated my phone number in Amex profile. After getting XXXX by XXXX, everytime I try to login to my Amex account, its asking for re-authentication key that is being sent to my old phone number ending in XXXX. Why? Whats going on? 

On XX/XX/2021 I called Amex and asked to speak to the security team. The operator said the fraud team deals with all security issues and transferred the call to the fraud department. This lady from your security team said my Amex profile has my new number updated but however these issues doesn't fall under her work responsibilities. She said she will transfer the call to the customer service and she will stay on the call until the call reaches the customer service. But then the call went to your usual recorded voice prompts? Why? This shows you people deliberately did something to my card/account and now trying to run away from your responsibilities.
Consumer complaint received 2019-01-15
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. (MI)

I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION (AZ)

My debit card along with my wallet and cellphone was lost in an XXXX after an evening out. Someone used my card over 2 days and the charges totaled an astronomical amount. I had to get a replacement cellphone but was able to call the bank from my home phone. I reported the theft and I was told that my card was used and several unauthorized charges had gone through. I was assured that the bank would fight on my behalf and follow the Federal Regulation E that protects consumers. What is upsetting about all of this outside of my money being stolen, is the bank not sending any emails or calling my secondary number to confirm the identity of the person they spoke with. I was told that robocalls were made, and since someone had access to my cell phone they clearly spoke with the imposter, and instead of taking responsibility for their poor customer service and mistake they are blaming me and forcing me to lose out on thousands, but to also be responsible for theft of my funds when they had the power to stop it or prevent it. FDIC protects them and the CFPD and The Federal Reserve protects me The bank then, within days refused to provide promised provisional credit and to do an actual investigation on the dispute/ fraud claim. The bank did not reach out to any merchants to dispute these charges. Instead, they decided to just cancel my account and block my business and personal accounts. Despite the risk or anything else that has happened in my account The Federal Reserve and more specifically Federal Regulation E protects me and consumers like me from banks making discriminatory decisions without actual evidence. As a consumer, I am unbothered by anything you may have come across because I am a victim in this matter/case and I'm being treated like a guilty party!

By Law, I am allowed to request all documents used to help you find any decision your bank has made. In my case, I'm formally requesting those documents be mailed to me as soon as possible. I'm sure the bank doesn't have such documents because they did not dispute the charges, they harshly decided to put me at fault and close the account.

This has only added to my XXXX XXXX  XXXX, XXXX, and XXXX and has caused me much financial stress and hardship. I will be put out of my apt because my rent money was apart of the funds taken out of my account via unauthorized charge. NBAZ 's lack of compassion and empathy have really crossed the line. The tellers in the actual banks in Central XXXX  and XXXX are nice and very on top of things, but disputes and fraud and the call center couldn't care less about customers. I am willing to escalate that to the highest level because this entire situation is unacceptable. I forgot to add that throughout the entire situation the call center refused to speak to me, even now they refuse and I've gone to the bank and had tellers call, only to be given NO information. THe lack of communication is an issue too.
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Ygrene Energy Fund Inc. (FL)

My husband and I were interested in having solar panels added to our home. I contacted Ygrene three times and spoke with three different people about getting funding for this project. All three people told me the amount we qualify for is dependent on the equity in our home ( which is currently about {$40000.00} ). We were advised three times to have an appraisal conducted. We had the appraisal conducted, which cost {$280.00}. 

When I made the fourth call to find out how to send them a copy of the appraisal and a copy of the written solar installation proposal, I spoke to yet another person. She told me funding is based on the amount of equity UP TO A LIMIT OF 10 % OF THE HOME VALUE. For us, this is only {$12000.00}, which is not enough to complete the project. Had I been told this previously, I would not have spent the money to get the appraisal done as I would have known it would not be enough funding. 

Additionally, Ygrene 's website states, " Approval based on home equity and ability to pay, '' and " Approval based on home equity. '' Nowhere in the website is a limit of 10 % of home value discussed. 

Ygrene 's advertising and even their agents are deceptive.
Consumer complaint received 2019-09-09
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: Paypal Holdings, Inc (NY)

Hello I keep getting harassed by XXXX XXXX XXXX about money I owed to paypal which was the creditor which was fraud and never authorized by me which paypal knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on XXXX, XXXX, XXXX and any other companies.

Last year I had spoke to paypal a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my paypal I had closed to avoid this from growing. Paypal was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with paypal. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe paypal XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.
Consumer complaint received 2019-09-09
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. (FL)

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.
Consumer complaint received 2021-11-05
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. (CA)

Please, I need your help. I am asking for help from the Consumer Financial Protection Bureau to protect me from TransUnion LLC Credit Bureau Company. I need a Consumer Financial Protection Bureau counselor to investigate the following problem with the TransUnion LLC Credit Bureau Company.

The existing false problem is making me sick and worried, and it is causing me lots of XXXX that I am on medication right now because of what is happening to my credit scores and report. 

On XX/XX/2021, TransUnion LLC Credit Bureau Company severely lowered my scores for reasons, not in my credit history or personal financial history.

All the factors that the TransUnion LLC Credit Bureau Company built its decision on are entirely false. 

Factor 1, The balances on my accounts are not too high. All the balances in my accounts are less than half of my credit limits.

Factor 2, I do not have any delinquent or derogatory accounts. I do not.

Factor 3, Real Estate balances are paid on time.

Factor 4, The date that I opened my oldest account is not too recent.
Consumer complaint received 2022-02-17
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. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

My loan servicing was transferred from XXXX  to XXXX XXXX. It was supposed to be effective XX/XX/2019. There is a regular payment and two additional principal payments I made to XXXX that were not reflected in the balance XXXX XXXX stated I owed. Specifically, the balance XXXX  says was transferred was {$460000.00} and the balance XXXX XXXX said I owed in the first statement received from them was {$470000.00}. The balance of {$470000.00} was the principal balance of my loan with XXXX   after I made the regular payment to XXXX on XX/XX/2019. I made an additional principal payment on XX/XX/2019 of {$310.00} to XXXX. I also made another regular payment to XXXX of {$2200.00} along with an additional principal payment to XXXX of {$310.00} on XX/XX/2019. The amount of {$2900.00} is essentially missing. I have sent a detailed letter to both companies and had numerous phone calls with both companies. Both companies deny any error. This entire issue appears to possibly be caused by XXXX XXXX 's records reflecting my loan was transferred to XXXX XXXX on XX/XX/2019 instead of XX/XX/2019.
Consumer complaint received 2019-01-14
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)

The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX  {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}