davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
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)

This issue is an existing problem which XXXX and Transunion weren't able to resolve..They provided an itemized printout of what they claim is my billing statement..An itemized printout does not represent verification.. CFPB please fix the account and remove the bankruptcy reported on the accounts XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX   XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Texas Guaranteed (NY)

Trellis, formerly known as Texas Guaranteed sued me in the wrong jurisdiction, I live in New York and they sued me in the state of Texas. I have never been to Texas. They also added on thousands of dollars in fees to my loan. they also started illegally garnishing my wages and forced me into a settlement over the telephone in exchange for them to no longer garnish my wages. They took over {$300.00} from each paycheck and forced me into poverty. I was forced into paying them {$130.00} a month in exchange for them to no longer garnish my wages. this is adding on to case XXXX here is the proof they sued me in the wrong jurisdiction
Consumer complaint received 2015-09-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

I went to XXXX XXXX to get an XXXX inspection for a XX/XX/XXXX Mercury Grand XXXX and a computer reset. State law requires the car to be driven before inspection w and the fact that it takes up to 100 mile for the computer to reset and give a reading on passing or failing inspection. I had already had a diagnostic from XXXX XXXX saying that my egr valve and spark plugs needed to be replaced which I had repaired in XXXX and XX/XX/XXXX. Also, I bought a battery since it had a dead cell in it. XXXX XXXX said that they had a dealer tag and would drive the 100 miles needed to reset the computer which I was glad to pay for. Unfortunately, they did not drive the car because the odometer was the same XX/XX/XXXX as previous inspections XX/XX/XXXX. What they did do was damage my car so that they could use body parts from a Lincoln continental for repairs on my car and make {$680.00} I told them that I would pick my car up, but I was 10 minutes late and XXXX threatened to leave. I quickly paid for the ticket {$190.00} without seeing the actual paper work because I was rushing to prevent the tow truck driver from leaving. I thought that they had driven the car, but when I went back the next day to get the repair ticket they had charged me for other services including the inspection but had not driven the car as I had requested. I told this to Wells Fargo who credited my visa debit card and a few months later charged it back. The told me that I needed a second opinion about repairs even though I gave them evidence of the previous inspection and the one done by XXXX. showing the exact same odometer readings the same on XXXX and a brochure from XXXX XXXX stating state law. I gave them a letter from XXXX a car repair shop stating that driving the car had to be done in accordance to state law before inspection and they charged {$110.00} to reset automobile computers on their machine. Now my checking account is in collection with Wells Fargo who says I need a XXXX opinion to dispute a charge of not getting the services that I paid for which is a violation of the visa rules regarding purchases. I notified them the next day after I saw what I paid for on XXXX XXXX and paid for it XX/XX/XXXX.
Consumer complaint received 2019-10-09
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: SYNCHRONY FINANCIAL (IL)

I recently obtained a copy of my credit report from XXXX that indicated that a credit inquiry was made by your company Lowes on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I have contacte both XXXX and Lowes several times by phone, and certified mail. this issue was ignored
Consumer complaint received 2019-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I have contacted citi through the number XXXX four times regarding a {$1000.00} XXXX transfer from citi acct. I entered the right recipient 's email address and name for a transaction on XX/XX/XXXX. I received a confirmation email after the transfer. The confirmation email shows the right recipient 's email that begins with 'XXXX ', but the recipient 's name is not my friend 's name. At first I thought that's unauthorized. So I contacted the bank right away. On the second day after discussion with my friend, i believe it may be a system glitch. So I contacted the citi again on XX/XX/XXXX to get it confirmed. I asked citi representative during the call what email she saw on her end. She told me an email that began with 's '. This confirmed my guess that there was a system glitch involved. I told her I entered the email beginning with 'XXXX ' and my confirmation email could support my saying. so she added the notes for the investigation. However, the citi declined my dispute on XX/XX/XXXX without looking into the notes ( declined by reason 'transaction authorized by user ' ). So I contacted the citi the 3rd time on XX/XX/XXXX. The representative opened another dispute for me. I asked him how i could submit my evidence showing I put the right info. He told me they don't have a way to receive it but suggested I could try to go to citi branch to fax. I faxed my evidence on XX/XX/XXXX. Yesterday ( XX/XX/XXXX ), I received a mail from citi which declined my dispute again by the reason 'typo may be made by user '. As I have the proof showing that I didn't make the typo when entering the recipient 's email, I contacted the citi the 4th time today on XX/XX/XXXX. A lady took my call and through the conversation, she ignored me many times without replying me. She was even not clear or trying to get clear about what happened. When I asked her what we could do, she hang up my call. I never thought the citi bank could treat the clients like this. They don't care about the evidence, and even treat the client 's call rude. 
To summarize the above, I entered the right recipients email XXXX and I have the confirmation from citi to support this. However, the citi database shows the transaction was going to another email XXXX. Citi ignored my faxed evidence and passed the buck to me saying the user might make the typo which I didn't. To make the situation worse, Citis representative refused to communicate and hang up my call when I called in to dispute.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2019 Old Navy Visa/SYNCB notified me via text of possible Fraud Charges from XXXX XXXX XXXX. Old Navy took the necessary step in stopping that transaction. Kudos to them for bringing this to my attention. Now I am seeking a refund of a charge from the same company on XX/XX/2019 in the amount of {$93.00}. This company used Deceptive Billing Tactics in charging me. To which I am enclosing a Cancellation Email from that company for the charge in question. I am seeking a prompt refund of the money I have already paid Old Navy Visa/SYNCB
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX shows a inquiry on my credit report Inquiry XX/XX/2020 that should have been removed XXXX
Consumer complaint received 2019-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently obtained a copy of my credit report from Transunion that indicated that a credit inquiry was made by your company on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I requested validation by certified mail several times and it was removed from all credit reporting agencies except Transunion.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

Iam contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : JPMCB- CARD SERVICE {$3800.00}
Consumer complaint received 2019-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GreenSky, LLC (AK)

Starting XX/XX/XXXX 2 days after my payment is due Myself and spouse continue to receive 3 calls a day each Monday through friday. I also received 1 call on each Saturday since. My spouse explained we would pay as soon as he got paid in 2 weeks. They have continued to call myself and spouse 6 times each weekday since.
Consumer complaint received 2019-05-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On the XXXX of XX/XX/2019 my car was repossessed in New York XXXX XXXX the next day I called Toyota Financial Services Collections to know what my options where to get the car back I was told I have reinstate policy and I have to pay that amount for me to get my car back, on the day of the repossession my girlfriend was the one driving the car and she parked on the side of the road while she was in the car and a tow track guy was towing the car she wouldn't let go of the car so the tow guy called the police XXXX not sure what happened but my girlfriend came home and I ask her where my car was she said they took it.So the next day was when I called Toyota Financial services with my options on the car they told me I had reinstate police which I had to pay XXXX to get the car back I did by paying XXXX XXXX so I called them to give them the control number for XXXX they told me I no longer have reinstate police but I have to pay the car loan in full. I have the reinstate police documents they sent me in my mail I would like to know why they said I no longer have the reinstate police.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MO)

I had XXXX come out to hook up internet late XX/XX/2018 and they couldn't provide the service that they agreed to provide. So after three days of nothing being fixed I had them come take their equipment and cancel all of it. It was written in their contract and I was told personally by their staff that they had a grace period and that I wouldn't be charged for any of it since I didn't use the service and it was withing the grace period. I ended up getting a bill after being told I owed nothing. So I got a hold of their support team on XX/XX/2018 and was told yet again I owed nothing and I still have this conversation backed up on my email from that day. Recieved yet another bill in the mail about a month later so infuriated, I called them and tried to figure out why im still being mailed bills for a service that I don't have and obviously was assured I owed nothing on. So they apologized and said they would fix it. So I never got another letter or bill. That was 9 months ago. I now see I have an outstanding collection from XXXX for XXXX. XXXX  will not do anything about it now that it's in collections, and the Collector wouldn't do anything over the phone and said I needed to file a complaint on their website. So I did. And nothing has happened. That was last week. I would consider this Fraud. I don't even understand how companies get away with this.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019 I filed a dispute with XXXX, Experian, and XXXX. XXXX was able to delete an account from my report, which led to a dramatic increase in my credit score. XXXX completed their investigation on XX/XX/2019 and found that the account in dispute is in fact mine. It obviously is not. Experian also provided results that coincide with XXXX. I have contacted XXXX XXXX XXXXXXXX and they say they are backlogged for 60 days.
Consumer complaint received 2019-10-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have contacted Bank of America regarding fraudulent accounts opened in my name. I have never opened a credit card with them. XXXX was able to remove one of the credit cards from Bank of America from my credit report. When contacting Bank of America they tell me they are backlogged for 60 days. When contacting XXXX they tell me that they get their information from the creditor. Conflicting/confusing information. 100 % fraud.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allgate Financial, LLC (OH)

XXXX XXXX DEBT EQUITIES # XXXXTo Whom It May Concern, The reason for my dispute is XXXX XXXX  XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) JH PORTFOLIO DEBT EQUITIES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation JH PORTFOLIO DEBT EQUITIES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where JH PORTFOLIO DEBT EQUITIES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2023-08-20
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. (PA)

In accordance with Law 15 USC 1681b ( a ) ( 2 ), my rights have been violated. Under this law, it says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give Equifax written instructions or permission to furnish the late payment on my credit report. 
Account : XXXX If the credit reporting agency is not able to show an affidavit with my written permission to furnish this late payment, then I exercise my consumer rights to have this immediately removed from my report according to the law.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Steel River Systems, LLC (FL)

I had an account with XXXX XXXX XXXX years ago and was in the market to add another job cause i wanted to make more money long story short I myself and handfuls of others were hired by a company who ended up writing bad checks. the user terms at that time was the check had to clear for XXXX business days etc because it was a new check etc. 
i didnt touch the money for over XXXX full business days it sat in my account so once i started to use the money all this info about the company came to light and XXXX  then well after their policy time frames removed all the money form everyones account and went after everyone because they didnt want to take the loss. 
my money and everyone member in XXXX was covered by FDIC at that time and that should have covered it but instead those froze anyones account who wouldnt pay and took every cent they had. they took over XXXX $ from me and locked my account the remaining amount was XXXX. they knew they couldnt really do anything so i said XXXX XXXX  i followed your policy, yall screwed up not my problem and just went back to my XXXX XXXX. fast forward years later heard nothing about nothing was going on well after XXXX eyars went by i started getting threatening letters saying i was going to be sued etc for the amount if i didnt pay it blah blah blah. they call while im at work ive told them long ago to stop and they just change the number they use etc
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Account Number XXXX I have an agreement with Midland Collection in the approximate amount {$4400.00}, with an original balance of approximately {$8200.00}. 

I have been asking them to send me something in writing to secure this arrangement for this amount and they refuse to so. I do not feel comfortable paying such a large amount of money over the phone with nothing to secure my settlement or protect the integrity of this negotiation. I have asked them on several occasions for there cooperation and they are just so difficult to work with.
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

This is in relation of the case which was just closed with Bank of America. I believe that Bank of America has submitted fabricated information to the CFPB and has taken advantage of the death of XXXX XXXX to take money out of my checking account. They never told me that I needed to set up more payments after a specific date. Furthermore, when the payments stopped, I assumed the debt was payed off, as would anyone else. In the attached screenshot from the information Bank of America submitted, the underlined text shows the information that Bank of America has fabricated. This is not the first time they did this. Bank of America has been caught in deceptive marketing tactics, https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ and this action has forced Bank of America to pay out over {$720.00} XXXX in relief to affected clients. Bank of America is back to its old practices again. I feel I need to be compensated with damages. I plan pursue this further. I am in contact with my congressman and I am also planning to contact media and attorneys who were involved in suites against Bank of America. I am not letting this issue go until Bank of America either compensates me in damages, returns the funds or is forced to close its doors. On top of that, I find it shameful that a bank would take advantage of the hardship of its clients. When I noticed there were insufficient funds, I had called Bank of America and went out of my way to deposit money in the account and that the could redebit my account. They never did. I also explained that my mother ( XXXX XXXX ) was ill and I was caring for her so I could not work as before. Then the nerve of Bank of America to default on XX/XX/2019, the day I was burying XXXX XXXX, who passed away on XX/XX/2019. This is a terrible and cowardly thing Bank of America has done, considering they " claim '' to have records of our conversations. In those records they should have brought up the fact that there were hardships involved. Bank of America is shameful and I don't know how its employees can sleep at night knowing that they are working for a cold-hearted institution.
Consumer complaint received 2019-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (UT)

SN Mortgage Servicing ( SN ) claims that we owe a second mortgage with a balance of {$47000.00} ( see attached ). I have advised that we never owed money direct to SN servicing and asked them to prove up the validity of the debt via QWR ( see attached ). SN has refused to respond to the QWR, even after we have made two separate requests. This fraudulent mortgage claim was previously serviced by XXXX   XXXX XXXX ( XXXX ). XXXX refused to verify to validate the debt, which led the case into litigation. XXXX transferred the alleged debt to SN to avoid he consequences of litigation. Since all of my debts have been discharged through a XXXX XXXX XXXX case, XXXX is trying to elude problems with the BK court as well. SN is in violation of the FDCPA, RESPA and HUD law, so I am seeking your assistance on this matter.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter to transunion requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.