davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Upgrade, Inc. (FL)

I am currently in complete shock with the lack of professional support at Upgrade. 

According to Upgrade they received a letter from XXXX stating that I disputed the account. 

This is not correct! I never disputed the two lines of credit. I sent documents that you verified and opened the account. 

I was able to use the account for 3 weeks and then they blocked it from anymore purchases temporarily until I could verify that I did open up. 

I have called Upgrade over XXXX times left XXXX on their voicemail & Filed several CFPB complaints reports. I have spoken to countless representatives at Upgrade and they advised me that I would have to contact this specific department who would remove the block. They have never called me back or reply to email.
Consumer complaint received 2021-09-24
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)

On XX/XX/2021, XXXX XXXX : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred to XXXX XXXX : Not Available and I am no longer responsible for the account as I have never dealt with any creditor not available. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name and Credit Reporting Agency has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2020-02-11
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. (WA)

I have contacted XXXX and XXXX XXXX XXXX. They have informed me that they have reported the accounts as closed and the accounts should be deleted month ago. I have called the credit reporting agencies. The only thing that has occurred is extension of investigation, despite additional information not being received. They have also granted me letters stating that they have deleted the accounts, however the accounts are still showing up on reports as unpaid collections. 

Additionally, I have submitted online documents showing that XXXX XXXX is reporting innacurately reporting a lease break. I provided documents showing the Contemplated Lease signed as part of the application process. I provided Lease Disclosure on Page 52. that states that this Contemplated Lease is not approved until the Manager signs it. The manager has not approved or signed it. I withdrew my application prior to approval. The manager ignored my withdrawal and charged me with a lease break. 

I provided 1 ) Contemplated Lease ( mandatory-part of application for apartment XX/XX/2018 2 ) Email- The email withdrawing application XX/XX/2018 3 ) Invalid Lease ( See time stamp on last page-Manager signed online XX/XX/2018
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IN)

The above three accounts ( XXXX, XXXX XXXX, and Citi-Shell ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old.

These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (FL)

I received notice from a credit bureau reporting system that my credit report was changed. When I investigated the I found a collection notice from a company called Security Credit Services for a rental/leasing loan that I did not take out. It was for {$1800.00}. I called them to ask to have it removed and they told me they could n't. I never receive any notification from anyone that this loan was owed which is n't surprising since the address, birth date, email address etc related to their account are not mine. Furthermore, the loan was opened in my maiden name which has n't been used in over 22 years. They are supposed to be sending me an affidavit to be returned with a police report, but they would n't tell me who the loan was actually with originally and that 's required for the police report.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX Account, 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
Consumer complaint received 2022-10-07
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. (IL)

I was a victim of identity theft. There are many accounts and inquiries on my credit report that I have disputed, as well as names and addresses that have not been removed after I disputed them. I have mailed countless letters to this credit bureau & still are on my credit report.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting 30 and 60 days late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please Investigate and report the payment status positive and update all late from reporting on this account.
Consumer complaint received 2022-11-30
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. (FL)

In accordance with the fair credit Reporting Act XXXX XXXX XXXXXXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX XXXX Account number XXXX
Consumer complaint received 2021-09-24
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. (MA)

On XX/XX/2021, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred to Creditor Contact : Not Available and I am no longer responsible for the account as I have never dealt with any creditor not available. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name and Credit Reporting Agency has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2021-09-24
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)

American Express XXXX includes XXXX XXXX. This allows lounge access and is one of the main selling points of this expensive charge card. The only way to enroll in XXXX XXXX is by calling American Express. However American Express customer service consistently has wait times over 30 minutes throughout the work week. Requesting call backs does not work, as i never got called back on separate occasions. It feels as if American Express is gatekeeping one of the main advertised selling points of the product i purchased. How can I receive my purchase without having to go through unreasonable steps to do so?
Consumer complaint received 2022-11-30
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. (KY)

I would like this illegal and misleading information deleted from my credit report from credit acceptance corp. this account was closed then reopened the missed payment days are incorrect which is illegal. I have reached out to credit acceptance with 2 certified letters and got no response within 60 days
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax continues to report Inacutae information that I continue to dispute. They have violated me in a number of ways. I just want this resolved immediately so my credit can stop being affected by their lack of responsibility to do their job properly. I want to be clear and state I am not looking for them to reinvestigate anything. I disputed XXXX XXXX  XXXX back in XXXX to the CFPB. I disputed XXXX XXXX XXXX, XXXX XXXX in XXXX as well. Nothing was done to correct these accounts, and they never provided proof of how they verified the information. 

Neither account has been properly investigated and to this day Equifax has failed to add a notice of the dispute to my credit report ( violation # 1 ). Equifax also never completed its own independent investigation on these accounts ( violation # 2 ). They have failed to remove disputed inaccurate information ( violation # 3 ). 

Due to these violations, I want these accounts removed immediately!
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc. (NV)

When we got our first bill it said we owed {$900.00} for XXXX XXXX now this came from a debt collector saying we owe {$2800.00}! We already paid the {$900.00} amount months ago for the only bill I received so I believe there is a mistake.
Consumer complaint received 2015-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Horizon Lending services, LLC (CA)

We are working with a Mortgage Broker, Horizon Lending Services LLC NMLs # XXXX, that has changed the terms of our loan the business day before we were to close. I will attach later the email chain in which we are told that we are locked as well as the GFE that shows an increase in the points they want us to pay. Because this is so last minute, we stand to lose a deposit of {$21000.00}. I asked several times for a GFE, and now realize the reason she sent the information in a different format was just so she could change it at the last minute and expect us to pay.
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: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CA)

I had an escrow account with Stearns Lending. They failed to pay my property taxes on time, then sold my loan to XXXX XXXX. I still have a delinquent tax notice, I still had to pay out of pocket, and my escrow account still has plenty of money for all of this.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (SC)

I received a credit card statement for my Ethan Allen XXXX card ( Synchrony Financial ) for an amount of {$44.00}. This bill was generated after I made a full balance payment to Ethan Allen. I contacted them after a XXXX minute wait and was advised that it was a billing error/system glitch.
Consumer complaint received 2022-08-29
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)

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 Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened XX/XX/2017 Balance {$100.00}
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (FL)

I was part of the XXXX " XXXX to Barclays '' transition. I had an XXXX branded XXXX credit card for years with no problems. XXXX recently decided they would transition everyone over from a XXXX XXXX to a Barclays Mastercard. I never gave anyone express permission or signed anything permitting a Barclays account to be opened in my name. I tried to call Barclays to prevent the account from opening, but since I did not have an activated card yet there wasn't really a way to get a Barclays customer service representative. I recieved the XXXX Barclays Mastercard in the mail, and I thought if I activated it at least I could contact Barclays to close the account. In the past week I have attempted numerous times to reach a customer representative on the phone ( the only way I can cancel ) with no success. Wait times typically run over an hour before I disconnect. These are not isolated incidents. Numerous complaints on social media indicate wait times up to 4 hours before people give up. Barclays is making it impossible to close this account. I do not want to do business with them, and there apparently is no realistic way for me as a consumer to terminate this relationship.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (AZ)

I was a Victim of the U.S. Bank $ XXXX Overdraft Fee Class Action Settlement!!! I had a checking account and a business account with US Bank from XXXX - XXXX in XXXX XXXX XXXX and XXXX XXXX. I was Scammed many times by US Bank with overdraft fees. I didn't have a account with the bank or lived in previous address when the Settlements were paid out.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I noticed some fraudulent activity and contacted Citibank about several XXXX transfers that were made from my checking account and savings account. An unknown perpetrator had gained access to my email account, changed my Citi online password ( attached : password change email screenshot ), and transferred approximately {$33000.00} out of my account to unknown parties. I also believe that the person or persons had cloned my phone and had access to information on it. 

Today I was informed that Citi reached a decision on XX/XX/XXXX and claimed that since these transactions were made using my online account that they will not be reimbursing me for the stolen money for the disputes ( reference numbers : XXXX, XXXX and XXXX ) Today XX/XX/XXXX I called Citi and spoke with a fraud representative that also confirmed the activity was fraud and that I should have been given my money back. I faxed a letter to Citi appealing their decision and providing more information to support my case. I also reopened the fraud dispute cases ( new reference numbers : XXXX, XXXX, XXXX ) I have had an extremely poor experience with Citibank 's handling of this whole matter. I have been a loyal customer for XXXX XXXX and when I need Citi 's protection from fraud, they are siding with the perpetrator and letting them have my hard-earned money. I have spoken to over 10 representatives at Citi, been transferred around numerous times with most of the reps having little to no information, and they simply pass me off to the next person. They will not let me speak with the person that actually investigated the case so I can provide information to them directly. It seems like I have no recourse, my money has been stolen and Citibank doesn't seem to care at all about its customers. If it was a small amount, I would just forget it but this is literally my entire checking and savings balance. I will be in an extremely difficult financial position without this money. Furthermore, it is easy to see that I would not, myself, XXXX away over {$30000.00} in one day on a whim. This is a clear case of fraud and Citibank is not doing anything to make it right when it is evident that a mistake was made in deciding this case. Please help.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (VA)

I being original creditor, consumer and natural person recently sent a debt validation letter to OneMain Financial Group, LLC pursuant to 15 USC 1692g requesting validation not verification, those are two different things. I also requested OneMain Financial Group, LLC to provide copies of their 1096 tax form, their 1099-OID, their INC, and their PRC in reference to the account. I being the federally protected consumer, natural person and original creditor, sent along with the debt validation letter, a cease and desist letter and a consumer enforcement settlement containing my statement of damages ( violations in accordance with civil liability ) for the debt collectors transgressions against me as a consumer under 15 USC 1692 and Identity Theft. Please review attachments.
Consumer complaint received 2018-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I filed documents with ocwen showin evidence of a Equity trust they have me in which is a Pooling service. 

Ocwen states there are several mortgage in the PSA and Equity is just a name. The issue I have with this is my loan is a conventional Loan the word Equity should not be associated with the PSA. It clearly states EQUITY TRUST. My Deed Clearly states it is not and EQUITY DEED. 

Next XXXX XXXX  is not even in my loan documents and they show them in the trust SEC as my Beneficary/ They show XXXX as a Beneficary which is not in my orginal deed. My orginal deed Beneficary Trust is XXXX as listed in the deed Next The cut off date as in the SEC Report shows From XX/XX/XXXX-XX/XX/XXXXI would like to know how my loan was put in this PSA. I closed on my loan XX/XX/XXXX. The trustee at the time was Mortgageit not XXXX XXXX please explain? 

The law states no new instruments can be added to a trust once close please explain how it is possible for Ocwen transfers that are past the trust date XX/XX/XXXX-XX/XX/XXXX. Ocwne do not know about the orginator of the loan per to you the CFPB that means a broken chain of command in title.Please explain? 

Explain how Ocwen is doing a Non-Judicial forecloser when it clearly shows they accelerated the loan in XX/XX/XXXX which is pass texas law for non-judicial foreclosure document attached showing Ocwen is now duel tracking I sent a modification pack within the seven days per law they are to stop the foreclosure while in review. Ocwen is reviewing and has the sale date still on the property. This is illegal. 

I also want to know why Ocwen lied to the CFPB and sent fake documents showing the loan was accelerated in XX/XX/XXXX when in fact as the document I provided shows XX/XX/XXXX