davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

My wife and I received our US tax refund check, and deposited it into two of our accounts. The receipt for the deposit to my account is for more than was credited to my account, according to my account statement. No correction was made by the time of my next month 's statement, so I went into the bank for an explanation. They have no explanation, and say they are doing research to account for the difference. Meanwhile, they can give no date for the resolution of this problem, only to say that they are doing research and when the research is complete they 'll have an answer for me. I think that having to wait indefinitely is inappropriate but they refuse to give a date by which the problem will be settled.
Consumer complaint received 2022-01-13
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. (OK)

According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they have posted on my credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the inaccurate accounts. Plan on seeking legal counsel for your actions against me. 

Your failure to positively verify these accounts has hurt my ability to obtain credit, defamed my character, and caused damages. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. According to the Fair Credit Reporting Act, 611 ( b ) [ USC 15 1681i ( b ) ], I am entitled to enter a consumer statement in my credit report so that the information is complete and the credit reporting process is fair and equitable to me. I would like the following statement to be made a part of my permanent record so that potential future creditors will be aware of certain circumstances that caused negative credit information. 
Litigation is quite expensive and should be avoided at all costs. Should it be necessary, I would appear in propria persona [ pro per ] and file a court case in forma pauperis for free with the guidance from outside legal counsel on retainer ; however, my belief is you and your organization do not intend to pursue this matter as you have no valid legal claim or merits. The cost-to-benefit ratio is relatively low when XXXX XXXX ; therefore, this is a good-faith attempt to resolve this matter before litigation is necessary. I am willing to resolve this matter privately and civilly. Thank you for your time and attention to this matter. 
This is my third attempt to resolve this issue.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have submitted many claims over the past six months regarding an account that appears on my credit history from XXXX XXXX showing a balance of $ 700+ owed. I have contacted them on numerous occasions ( transunion, XXXX, and now today, XXXX ) to explain that I had never opened another account with XXXX XXXX after an issue I had with them back in 2010 where they had charged me XXXX for multiple cash advances and charges made to the card. I never would go back to XXXX XXXX again, this account that shows up is not mine. Recently XXXX called me to explain that the gentleman who 's ACTUAL account it is resides nowhere near me, and his name is nowhere near mine. They immediately removed it off of my account, and removed the hard inquiries during that year period that showed up, that I never made. In fact both XXXX and Transunion were supposed to have a Fraud Hold in place, I 'm not sure how there could be any inquiry or card opened during that period without explicitly contacting me. Either way, after XXXX took care of the incorrect information I reached out to Transunion to do the same, they keep saying they have validated that the account is mine. I have explained to them multiple times that I was not even in the state at this point in time and could not have opened an account, let alone the fact that I was trying to rebuild my credit from the past problem with XXXX XXXX. I just reached out to XXXX as well and still have not received a reply. The information on the XXXX XXXX account has my wrong phone number, my old address, and the purchases were made in a state I was not in during that time. Please help me, I own XXXX businesses since the beginning of the year and the lingering bad credit is hurting my chances of expanding. Thank You!
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They told it was verified and it could never be verified because I did not file bankruptcy XX/XX/XXXX I filed XX/XX/XXXX my ex finance we were not married filed XX/XX/XXXX and we had a lot of debt that together but that needs to be removed at once I finally re established my credit only to have this put on and it 's effecting me getting a mortgage or a home or car please help me all other request to credit agency 's went on deaf ears
Consumer complaint received 2015-10-28
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NY)

i made a payment 4 days before my car payment due date and rushcard has not sent my funds. I called to see whats going on and they stated no one can make online payment. I have more then enough funds and i asked to talk to a manager i was put on hold for XXXX min.
Consumer complaint received 2022-01-13
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. (LA)

Myself XXXX XXXX submittiing this complaint without any influence from no third party or agency at all. The attached documents with my I.D . contains my full complaint and requests
Consumer complaint received 2015-05-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NRA Group, LLC (MD)

Called XXXX medical center to make payment arrangements on a bill that I owed. Payments were set at {$25.00} a mnth. The last payment I paid was XXXX/XXXX/15. I got a letter in the mail on XXXX/XXXX/15 from National recovery agency stating that my account was forwarded to this office for collections. I got no notice of this and could n't understand why I was sent to collections when I pay on my bill. I owe XXXX on my bill and they want to divide it up into 3mnths. and also charge me XXXX fee. I told them I could make the {$25.00} payment but they cant accept that. Plus I 'm not paying a fee. XXXX should pay the fee since they sent my account there for no apparent reason.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

USAA who I have been with since 2016 reduced my limit from XXXX to XXXX. After I paid off the remaining balance. After an extensive conversation they said it was due to late payments which is impossible since payments were direct drafted. Essentially after further discussion it was because I had paid the card off. Thus reducing my available credit by XXXX. This will drastically affect my purchasing power thus lowering my credit limit harshly.
Consumer complaint received 2022-08-27
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: Credit Corp Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! 

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  Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), 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. 

Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.

Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 



Respectfully, XXXX XXXX
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

On XXXX XXXX, I received a notification that I had a new account in collections. The problem with this is that its an account that was already paid off & settled with ( XXXX ) another collection company! I submitted a dispute on XX/XX/XXXX with VALID proof of settlement yet XX/XX/XXXX& Credit Management LP ( suspicious debt collector ) have not removed nor come to a solid solution to this. I submitted a 2nd dispute on XX/XX/XXXX & currently waiting on results. Im Furious because I had this happen last year after settling that account & my dispute was successful, so what makes this any different?! theyre literally the same situation just different dates & companies!
Consumer complaint received 2019-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

Ref to case # XXXX this case still not fixed Citibank has sent me a letter on XX/XX/2019. On the letter had informed me " The accounts were closed on XX/XX/2019. We are the process of issuing an Official Check for the balance remaining in the account, which will be sent to you separately. Please allow 3 to 5 days to received the check '' As today is XX/XX/2019 I still not receive check from them. How many errors Citibank can be made since I had opened an accounts with them. Over a months they has been holding my money, then can't solve they own problems and just closed my account. However, if this happen to over a hundred or thousand clients how much money get involve. I heard many clients has been complaint Citibank, but the bank never be able to solve they problems and continue with the issues. 

Please see attached file for the letter that Citibank sent to me.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Rocket Mortgage, LLC (CA)

NOTE : This problem is actually related to a conventional mortgage application/transaction ( not to a credit report ) - but the system would not let me go forward because I did not have either loan or account numbers ( I terminated the process before that point ). So I have checked other boxes in order to submit this complaint as follows. ) I contacted Quicken Loans in XX/XX/XXXX to inquire about a conventional mortgage and determine current lending rates. " XXXX '' took some basic information from me and gave me preliminary interest rate information. Within a day or two and after two phone calls, I informed him by phone and email I did not want to proceed. From that point forward over a period of two weeks, he continued to phone and email despite my repeated and clear statements to STOP and finally explanation should he continue to harass me intent to complain to the regulators. He did not stop. I further asked him to remove my information from Quicken 's files and cease all further emails. He stated in an email that had been done ( it was not ). then on XX/XX/XXXX in the mail, I received an entire " Intent To Proceed '' loan package from Quicken. 
This constitutes harassment and predatory lending practices. It must be stopped.
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Coast to Coast Financial Solutions, Inc. (MN)

I have sent 2 letters in the past 60 days asking for validation, that is competent evidence bearing my signature, showing that I have a contractual obligation with Coast to Coast Financial. This is violation of the FDCPA 807 [ 15 USC 1962e ], I did not receive proper validation within thirty days of my first letter which was received by Coast To Coast Financial on XXXX/XXXX/2016. I am requesting they remove my item from my credit report immediately.
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (TX)

Ally Financial continues to call my cell phone. I have not business with Ally Financial at all. I have been receiving calls from Ally Financial on my cell phone for at least 6-12 months, but most recently the call volumes have increased to the point of being very disruptive and frustrating. Since the beginning of XXXX I have documented 16 calls and have called Ally Financial 3 separate times ( XXXX at XXXX CT, XX/XX/XXXX at XXXX CT, and XX/XX/XXXX at XXXX CT ) asking to remove my number, as I have not business relation with their firm. I informed them that the number they are calling is my cell phone number and they do not have permission to call. Here are the dates, times, and inbound call numbers identifications associated with the Ally Financial phone calls : XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX CT, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX CT, XXXX CT, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX XXXX CT, XXXX
Consumer complaint received 2024-03-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

I'm being contacted by mail by Transworld Systems Inc. and by another company via email I'm regards to a XXXX XXXX  account that does not belong to me. I have never had service with XXXX and must be a victim of identity fraud. I emailed the company trying to collect the debt because I don't have XXXX XXXX.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WY)

Equifax denies my wife and me the opportunity to get annual free credit reports. Their published phone contacts lead to a maze of voicemail options and inevitably an " ID verification. '' For some unstated reason I can not get verified and get disconnected. No explanation is given. The online chat function only provides phone numbers that lead to the same ID verification. Though given a 10 digit pin, which I have recorded, I am never permitted to use that number to manage a freeze in effect. I am being denied the opportunity to lift the freeze temporarily.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

On XX/XX/2019, I received a notification via US Mail from XXXX XXXX that they were transferring my home mortgage to SLS, Specialized Loan Servicing effective XX/XX/2019. On XX/XX/2019 SLS notified me that due to an escrow shortage, my monthly mortgage payments would be increasing from {$2400.00}, ( which I had been paying to XXXX XXXX ), to {$3100.00}.
Consumer complaint received 2019-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, THIS ACCOUNT IS AN UNAUTHORIZED ACCOUNT THAT IS CURRENTLY REPORTING ON MY CREDIT FILE. PLEASE LOOK INTO THIS MATTER TO HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE. THIS ACCOUNT DOES NOT BELONG TO ME AND IT HAS BEEN CAUSING A TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2022-05-03
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. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

XXXX XXXX 2017, an unknown hard inquiry pull was made on my credit report. To my knowledge I did not authorize this pull to be made. In requesting I 'm asking to see valid validation of my approval consent and signature stating I authoriz this hard inquiry.
Consumer complaint received 2019-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

I by mistakenly paid my US Bank credit card bill twice of amount {$620.00} each on XX/XX/2019 from my US Bank Check-in account. SO I called the bank on XX/XX/2019 and asked them to reverse one of the transaction. And the bank representative said it will be reversed in 7-8days. 
Then on XX/XX/2019 as I saw no progress was made so i called US Bank again on the same date and then the credit card department told me the amount will be reversed to my account in 24 hours. After that I could see the amount of {$620.00} is being reversed from the credit card but it didn't reach my US Bank Check-in account. 
So today XX/XX/2019 I called US Bank again to know why the amount of {$620.00} is not in my account yet, and now they are saying it can take up to 10 days from the day which credit card department reversed the amount, which was on XX/XX/2019. This means I will get my money on XX/XX/2019. 
And they are also claiming I never called US Bank on XX/XX/2019. Where as I have proof of call list stating I called them on XX/XX/2019 and talked to them for 23mins to get my money reversed. Its a harassment for me and claiming me to be a liar and not willing to help in reversing my money. 
I have attached the proof of my call history with US Bank. 
So after I raised my request for reversal on XX/XX/2019, I will get my money back on XX/XX/2019.