davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
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: Resurgent Capital Services L.P. (TX)

To whom it may concern : I ( XXXX XXXX XXXX have reviewed my credit report and see that your company has listed an account XXXX XXXX XXXX bank card XXXX on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. I have never had an account with this company nor have I did any business with this company.

Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you.

Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC (AZ)

I agreed to settle the amount owed with XXXX with their collection agency. The amount I paid was supposed to reflect on my credit report as PAID IN FULL. I disputed this with XXXX and XXXX fails to acknowledge the settlement and update the status on all three credit bureaus : XXXX, XXXX, and XXXX. I want this to be removed from my credit report as agreed upon and will provide supporting documentation for this payment and agreement.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (PA)

I can not access my XXXX  credit report! It states theres a block for promotional purpose! 

I can not access my XXXX  report, its stating theres am open dispute. 

Experian has a bunch of inaccurate information on my report!
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thrivepoint Financial Holdings, Inc. (CA)

I have a HERO loan taken out with Renovate America on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, is the third party who prepares the calculations, at XXXX, option 2 then 1. 

The issue, I have made several prepayments. The first prepayment was on XX/XX/XXXX. In accordance with the contract, I was not charged any fees. 
The second ( XX/XX/XXXX ) and third payments ( XX/XX/XXXX ) I learned recently contained fees XXXX contract was not amended, fees were taken from the amount of the prepayment ). 

On XX/XX/XXXX, I made a fourth prepayment. I did not receive a receipt of payment and called today to ensure the funds were received and applied. I also want the current balance. I was told that I could not get a receipt with the updated amount that is owed. I would have to request and pay {$50.00} for another payoff statement. I stated that I did not want to make another payment at this time, I just want to know what is the balance of the loan. The representative stated they can not give me that information. He only had access to the balance as of XX/XX/XXXX. He acknowledged, the 4th prepayment was received. 

Should I not be able to receive my current loan amount without having to pay for it? 

Thanks.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Commencing on or about XXXX XXXX, I fell victim to a multi-layered scam operation run by Hackers which involved me making deposits for a total amount of XXXX EUR as unauthorized transactions from my Coinbase account to Hackers wallet.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

Citibank Financial services is claiming that I have serious delinquency on my XXXX  Credit Report, but I have no serious delinquency accounts or collections accounts. Citibank has and will not answer my phone calls. I have contacted XXXX and XXXX, and they have no information regarding my accounts being late or charged off. I spoke to XXXX at XXXX and they were incredibly rude and absolutely refused to give me the identification number for the call and continued to degrade and offend me. They had a serious attitude and would not help in anyway. They tried to connect me to the disputes department multiple times and I said I did not want to talk to them until I obtained the identification number.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a co-buyer for an account with XXXX XXXX ... XXXX continuously reports to the credit bureaus late pays that are incorrect ... I have had this problem for a year and a half and after several disputes that had them remove these improper reportings Im still fighting this..this seems to be an intentional issue and they seem to re-report the bad info a month or two later after they have been made to correct it ... I would like for them to no longer report to the credit bureaus based on the fact that I feel that Im being purposely targeted and harassed ...
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As of today being XX/XX/2020, a collection account is showing up once more on my personal credit bureau again on Transunion that was just disputed and removed. The collection being XXXX XXXX and the orginal credit being XXXX XXXX XXXX. I have never personally borrowed anything from these two enitites which is why when is showed up over 60 days ago on my Transunion cedit bureau, it was disputed and removed immediately becuase i have never personally put my personal credit bureau up with these two entities.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

As of XX/XX/2020 i have been in contact with Bank of America over an account they chose to close on a business decision unbeknownst to me which has caused a 50day hold on XXXX i can not pay my rent my credit and bills are all over due and i have to be out of my current location in 20days and have a XXXX old daughter with no place to go due to the lack of communication with Bank of America and there policies and procedures they do not follow! no answers and no contact from XXXX i had to contact them every week!
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX CT XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX OF XXXX XXXX Balance : {$500.00}, XXXX XXXX SER XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

1. XXXX XXXX is a service which reports an over viewof my personal credit. 2. XXXX XXXX is a service of XXXX XXXX ( cc ). 3. XXXX XXXX is provided/informed by Transunion who supplies the information. 4. There is a significant disparity between the percentage of payment history between XXXX XXXX and Transunion reports. The incorrect version is on XXXX XXXX. 5. XXXX XXXX is a service which also reports an overview of my personal credit. 6. XXXX XXXX reports both XXXX ( this is not germane to this issue ) and  Transunion information. 7. The Transunion section of XXXX XXXX and the Transunion credit history are in agreement and correctly reflect my credit payment history. 8. My correct payment history is 100 % perfect payments for seven accounts ( 600+ months ). I do have 6 late payments on my student loan in that period.
9. XXXX XXXX shows a payment history of 89 %. The others Transunion conduits reflect 97 %. 10. Clearly this is basic math and an 89 % payment history is incorrect/impossible. 11. Upon multiple contact neither XXXX XXXX nor Transunion would concede they are responsible for the XXXX XXXX content - and neither was able - or inclined to correct the incorrect information.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. 
after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

On XX/XX/2020 I reached out to Citizen One Consumer Loan Service for a 10 day payoff on my Truck loan to be faxed to XXXX XXXX XXXX I gave them a name and the fax number to who they needed to fax it to. I reached out to Citizen One Consumer Loan Service on 5 different times and they told me 5 times it will be faxed to XXXX XXXX XXXX within 24 hour but after reaching out to the Loan Officer she stated as of yesterday she has not received the 10 day payoff information.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

Prestige Financial Administration are in Retaliation and Discrimination against me as a XXXX US Military Veteran. 
I have filed many complaints with Federal Government and Company are in Retaliation because of file complaints. 
Prestige has violated my ADA Disability Ac
t under Department of Justice.and both Federal and State Laws. 
On a phone conversation of XXXX with Prestige Account Vice President XXXX XXXX she promise to remove all derogatory remarks on my credit report with XXXX , XXXX and XXXX and support as a US Military Veteran. 
Now she denies on promises and only spoke with XXXX on the phone and not with XXXXXXXX, Prestige Compliance Manager. 
XXXXXXXX just want to protect XXXXXXXX and the special interest of the company from any Federal Violations Law Sanctions. 

XXXX  credit Reporting Agency stated they receive the verification of Derogatory remarks removals of XXXX days of XXXX from Prestige credit department by electronic message or verbally.. 
XXXX XXXX XXXX receive also the derogatory removals from XXXX. on XXXX XXXX. 
It appears that Prestige has business partnerships with XXXX, XXXX?
Consumer complaint received 2018-02-23
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. (MD)

I have sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

I received a letter in XXXX from Phoneix Financial Services stating that they were attempting to collect {$1900.00} in debt owed to XXXX XXXX XXXX. I immediately filled in their form asking them for more information and letting them know that I was disputing the debt as not mine. On XX/XX/XXXX I received another letter from them with more information ( the address of the person who owed the debt ). That same day, I received an alert from XXXX that a disparaging debt note had been recorded on my credit report by Phoenix Financial Services. 

Had they taken any simple steps to ascertain if this was me ( it is a common name ), they would have found that 1 ) I have never lived anywhere in California much less in XXXX XXXX, 2 ) that I have lived at my current address for XXXX years, and XXXX ) that there are at least XXXX people named XXXX XXXX who do live in XXXX XXXX according to XXXX. 

Their action of reporting this to the credit agencies without cause has been harmful to my reputation and credit standing and is an unreasonable abuse of their ability to do report what they please. 

Thank you.
Consumer complaint received 2018-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have written several letters to Transunion about hard inquiries on my credit report that I didnt make and they are still there I have over 60 hard inquiries on my credit report that need to be remove in they have not been move yet
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (FL)

Starting in XXXX of XXXX  I have tried on multiple occasions to have my Upgrade account closed and as of this writing my card is still active. I have called Upgrade 's support line four different times and each time was told that my account has been noted but yet my card and account are still active. I emailed their Support center around XX/XX/2021 and was also told my account had been noted but still my card is active. I even submitted a complaint with the XXXX XXXX XXXX and was told someone would be contacting me but I never received a call or email.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX with Wells Fargo is deliberitly delaying the refinancing of our loan. She indicated to me that I would be put in touch with a loan supervisor two weeks ago and I never received a call. When I called her today she stated she forgot.
Consumer complaint received 2022-01-09
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: CITIBANK, N.A. (CA)

CITI credit card payment was made on XX/XX/XXXX. Payment was made in full and last four CC # was written on memo line of check. 
Company argued they never received the payment, yet our bank confirmed the credit card payment posted via XXXX On XX/XX/XXXX and provided me with a transaction detail report. 
Transaction detail was provided to the company. They were not able to locate the check for several months. Finally, after several phone calls and repeating my story several times, CITI miraculously found the check. I was assured the payment would be recorded, and applied to my account. They assured me that late fees would be removed. They assured me that it WOULD NOT negatively impact my credit. They LIED. 
I beyond frustrated. I made a payment, on time, in full and THEY LOST IT. I was told by two representatives very recently that CITI made the mistake and it would be corrected. BUT IT HAS NOT been done. I need it corrected ASAP.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

We are in process of refinancing our loan with a new lender. Our new lender requested the payoff quote from XXXX XXXX  several times via, email, fax and phone from XX/XX/XXXX - XX/XX/2020. On XX/XX/XXXX they enlisted my help due to non-response from our lender and I called twice trying to get payoff information. MUFG was uncooperative. They would not provide me with the payoff request, even though I am the borrower. 
After speaking with managers and supervisors the payoff request was finally send to the new lender. However, due to the delays on the part of MUFG, we came up on the deadline of our rate lock and the extension ended up costing us an additional {$720.00}. This was entirely on the blame of MUFG as they waiting nearly 2 weeks to get us the requesting information and we have everything else lined up and ready to go to underwriting.
Consumer complaint received 2017-05-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (TN)

X/X/17 U.S. CITIZEN LIVING IN THE U.S. - I PHONED IN A CROSS COUNTRY WIRE TRANSFER OF XXXX XXXX FROM MY TD AMERICA BANK ACCOUNT TO MY TD XXXX BANK ACCOUNT. THE AGENT DID NOT ASK MY XXXX ACCOUNT NUMBER, ONLY ASKED ME TO CONFIRM THE LAST 4 DIGITS. X/X/17 THE MONEY LEFT MY TD AMERICA ACCOUNT. X/XX/17 MONEY STILL HAD NOT ARRIVED. I CALLED CROSS COUNTRY WIRE AND WAS TOLD A TRACER WAS PLACED ON THE MONEY AND I WOULD RECEIVE A CALL FROM INVESTIGATOR IN 3-5 DAYS. GAVE ME A PHONE NUMBER TO CALL FOR " INVESTIGATION ''. X/XX/17 RECEIVED WRITTEN CONFIRMATION OF THE WIRE AND SAW THAT A NUMBER IN THE RECEIVING ACCOUNT HAD BEEN TRANSPOSED FROM 6 TO 8.
X/XX/17 CALLED THE " INVESTIGATION '' PHONE NUMBER - IT WAS FOR THE LOAN  DEPARTMENT. CALLED CROSS COUNTRY WIRE TRANSFER AND WAS TOLD IT WAS A XXXX TRACER NUMBER. CALLED MY XXXX BRANCH WHO SAID THEY WOULD LOOK INTO IT. X/XX/17 MY XXXX BRANCH CALLED BACK NEXT MORNING - SAID MONEY HIT THE NONEXISTANT XXXX ACCOUNT AND WAS BOUNCED BACK TO AMERICA.
CALLED AMERICAN SIDE AGAIN AND WAS TOLD TO CALL BACK LATER FOR SUPERVISOR " XXXX XXXX ''. CALLED BACK LATER - WAS TOLD HE WAS IN A MEETING. X/XX/17 - HAVE NEVER RECEIVED A CALL FROM TD AMERICA BANK. HAVE NOT RECEIVED THE MONEY INTO EITHER XXXX OR U.S. ACCOUNT. THIS WIRE TRANSFER REMAINED SOLELY WITHIN THE TD BANK FINANCIAL GROUP. THEY HAVE OUR FULL ACCOUNT INFORMATION ON BOTH SIDES OF THE BORDER.