davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX added a debt that does not belong to me to my credit reports. On XX/XX/2020, I contacted the company several times to rectify this matter, but I have found them uncooperative. The debt that they're attempting to collect is from an address in New Jersey which I have never lived. I asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened this fraudulent account in my name. They have Not provided any validation. They only sent me bills for service from an address I have never lived at. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One charged my account twice for an item I purchased through XXXX. Capital One closed the account and issue the a credit. However two months later Capital One charged the new account with the same charge. I called back and spoke to a rep by name XXXX. She told me Capital did NOT consider the charge fraud because I provided the account number to XXXX despite the fact that I was charged twice for the same item. XXXX from Capital One contacted XXXX employee/supervisor who promised to credit back the account. However that did not happen and it has been over one month.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

I have been pleading and sending letters to Rushmore to no avail. They just toss me around from their company to their investment company they represent. But the XXXX XXXX or XXXX XXXX tells me that I should be in touch with Rushmore. 
I have paid this company over 80K in the last 3 years that they took over my loan from XXXX, another crook of a company. I have paid every month to the various banks and lenders from the time I bought my house. I owe more today!!!! than I did 15 years ago. This is just preposterous. I am asking them to give me a lower balance or at least deduct the arrears. I am not even sure how these arrears have happened. Banks can not forever act to take people 's belongings. 

I need an answer sooner than later. Rushmore also gets terrible reviews.
Consumer complaint received 2019-10-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (MI)

The first loan was started with Movement Mortgage in XXXX, XXXX  in XXXX of XXXX we were told that we made enough money to afford the mortgage and that we qualified for a FHA loan. We work for a XXXX XXXX and are allowed to live else were than in the city of the XXXX  base. We were ask to provide written documents that we receive free XXXX benefits, and letters from HR and immediate supervisors that they were aware of this purchase. And had to write a statement as to where we would sleep if we were not in the house and how much time we would spend in the house we had to provide a work schedule, and we had to write a statement as to why we wanted to move from XXXX  to XXXX which is the city that I grew up in and my family is still living in as well as my XXXX year old mother with XXXX. and the loan officer asked if we could help get his adult son a position with the XXXX. We were denied the loan with Movement after 4 months. the representative for the seller took our loan to XXXXXXXX XXXX were we were asked for the same documents and after 2 months we were denied by XXXX XXXX underwriter that they did not think this was going to be a good loan.The real estate officer took our loan to another lender in XXXX that closed our deal XX/XX/2019. Using the same documents. we have been in our home since XX/XX/2019 and are still working our same jobs and making house payments on time for past 2 months and our home is completely furnished and lived in.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc. (CT)

GM is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ).

Ive been a customer at GM finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in XXXX of this year it expired. Usually its supposed to last for the whole lease term. So GM gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at GM and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from GM and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.
Consumer complaint received 2019-10-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Accounts & Advisers, Inc. (MN)

I disputed an account with American Accounts & Advisors, in writing on XX/XX/2019 and it was sent certified, return receipt requested. In the letter I explicitly stated that they were to contact me ONLY in writing. Since the time that letter was received by them, they have been harrassing me incessantly via my phone. Calls at all hourrs of day and night, repeated calling etc. This is harrassment and a violation of the FDCPA.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

When I open a checking account at Citi bank and replenish it. They immediately blocked it for me. Reporting that my personal information is incorrect or false. So if the information is incorrect, why did you then take the deposit at the opening? The money still remained on the blocked account and the Fraud Department promised to send a check to my home address. But more than a month has passed and I do not see the check. I was in brunch, they did not help me there.
Consumer complaint received 2015-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (TN)

I received a letter from First National Collection Bureau , Inc. ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to XXXX XXXX. I called FNCB, and a representative said it was a XXXX that I had opened in XX/XX/XXXX and closed in XX/XX/XXXX. I never opened a XXXX in XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted XXXX XXXX, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry XXXX, not XXXX, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with The Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-07-31
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-02-11
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. (GA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XX/XX/2019 {$24000.00}.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-12-02
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. (MD)

I submitted a dispute to all three credit reporting agency and the results are as follow XXXX- the dispute was open on XX/XX/XXXX they responded saying that they update the account to reflecting a new date of XX/XX/XXXX which is the reason I filed dispute in the first place they are re-aging the account XXXX XXXX the account as of XX/XX/XXXX which was original closed in XXXX of XXXX how could they reopen account that was reported closed and charged off by the original creditor. 

XXXX is also re-aging the account reflecting that the account is opened as of XX/XX/XXXX All three companies are violating my rights with re-aging this account in which I did get a response from the original creditor XXXX XXXX XXXX which does not show where they sent any info to these credit reporting companies to re-age accounts. 
I don't think that these companies did an accurate job in investigating this dispute they never sent me anything about how the investigated or what process they used to investigate.
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I want to file a complaint against Webster Bank. Without my consent or prior knowledge and without any checks written against my account by myself or others, on Friday night XX/XX/XXXX, webster bank processed a check against my checking account for {$990.00}. My account only had {$970.00} in it. So they set my balance to XXXX. I was notified on Saturday XX/XX/XXXX of the withdrawal from my account and I called their XXXX number on Saturday morning. I was told that it was their mistake and that the department responsible for the error could not be reached until Monday. I was also told that they would contact that department on Monday and that by the XXXX I should see the money back in my account. When I called on Monday XXXX, I was first told that they could not get in touch with that department but they would call me back once they did. I did get a call back later today, informing me that the funds would be put back in my account on Monday night after XXXX.

The funds that I just received on Friday morning from my paycheck were not available to me for 3 days, one a full business day. This is not an acceptable way to do business. How can they clear out someones checking account and not correct the error for 3 full days? How can this be acceptable. As of this writing I am still waiting for the error to be corrected tonight after XXXX.
Consumer complaint received 2022-12-02
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. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (CA)

Been disputing this account for over a year now and it has not been removed after taking the steps to clear with company and bureaus to remove accounting which is unknown to me. Experian has not made it accessible for me to talk to a rep/agent to update or dispute even though I have sent certified mail protesting this account as well ... .no changes have occurred. 

DISPUTE SUBMISSION FAILED after I tried again to dispute accounting. 

XXXX XXXX Not mine or No knowledge of account Looks like you've already filed a dispute for this item Under Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

Still have questions? 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX  : ( XXXX ) XXXX
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

On XX/XX/2019, I paid off and closed a secured credit card account with CitiBank. I was supposed to receive a refund for the secured funds within 7-10 days as stated by the representative in the phone. I never received said refund. I waited a while and called again in XXXX to request information about something else. No mention of my refund. 

I called back on XX/XX/2019 to see if it would be possible to have the refund that I never received applied to a new secured card. They let me know that this was not possible because I would have to reapply for a new credit card. However, my refund should be issued and received within 7-10 days. As of today XX/XX/2019, I have still not received my refund. I opened the app and found that a stop payment had been issued on XX/XX/2019 and a check had been re requested XX/XX/2019. Tomorrow, XX/XX/2019 would put me outside of the 7-10 day window for the refund I requested on XX/XX/2019. After spending an hour on the phone with management and other nonchalant representatives, I am concerned about the legitimacy of this company and the refund I should be receiving. Just as I would be responsible for interest after a 3 month delay in payment, I feel that I should be compensated for the delay and inconvenience. I have literally been waiting for my refund since XX/XX/2019.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Subject : Urgent Complaint Regarding Account Closure and Missing Funds Dear Citizens Bank Customer Service, I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the recent closure of my bank account and the unauthorized removal of my funds following a wire transfer in question is XXXX. 

I have been a loyal and satisfied customer of Citizens Bank, and it is disheartening to find myself in this unfortunate situation. I initiated the wire transfer on XX/XX/2023 to XXXX XXXX, and the amount transferred was {$9800.00}. The purpose of this wire transfer was an emergency. The transaction was carried out with utmost care and in accordance with the procedures provided by Citizens Bank. 

To my shock and dismay, I received a notification shortly after the wire transfer that my account had been closed due to a " security concern. '' This abrupt account closure has caused severe inconvenience and distress, as I rely on my account for various financial transactions and responsibilities. Moreover, the action was taken without any prior warning or communication, leaving me completely blindsided. 

What compounds my frustration further is the fact that the funds associated with the wire transfer seem to have disappeared from my account entirely. The reference number provided above is a crucial piece of evidence confirming the transaction 's legitimacy. I expected Citizens Bank to prioritize the security and prompt processing of transactions, especially those involving significant sums of money. The fact that my funds have seemingly vanished raises serious questions about the integrity and reliability of the bank 's systems. 

I implore you to treat this matter with the utmost urgency and provide me with a comprehensive explanation for the closure of my account and the disappearance of my funds. I demand a thorough investigation into this matter, as well as the immediate reinstatement of my account and the restitution of my funds. It is my sincere hope that this situation can be resolved promptly and amicably. 

If necessary, I am prepared to take this matter further by involving relevant regulatory authorities and seeking legal counsel to ensure that my rights as a customer are upheld. However, I sincerely hope that it does not come to that, as I believe that Citizens Bank values its customers and their trust. 

I kindly request that you acknowledge the receipt of this letter and provide me with a clear timeline for when I can expect a resolution to this distressing situation. You can reach me at XXXX XXXX. 

I appreciate your immediate attention to this matter and hope for a swift and satisfactory resolution. 

Sincerely, XXXX XXXX