davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

3 months ago I had my card issued by capital one shut off or fraudulent activity by XXXX and XXXX. When I activated the 2nd card it again was XXXX only charged by XXXX and XXXX and accepted by capital one as being valid so I shut it off again now the 3rd card I've never received interest charges have gone up late payments of been Charged to my account when there was no late fee payments made a been returned and then deducted again bank account numbers of changed when they shouldn't have, etc
Consumer complaint received 2020-09-25
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: Experian Information Solutions Inc. (FL)

I have been disputing incorrect information on my credit report, I sent a certified letter back in XXXX ( certified receipt included ) I have not received a status or result of the investigation and inaccurate and unverified accounts are still being reported, I would like verified proof of the accounts being reported.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted XXXX, transunion and XXXX  XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time thank you
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (GA)

I had a credit card from milestone for {$300.00}, which I wasn't using anymore. I checked my credit report and there was a collection for {$580.00} for the card. I called Trident Asset Management and advised them I was not using the card nor did I authorize anyone to use the card. They Told me to prove it. I offered to pay the Credit Limit, she said " we can not accept {$300.00}. I asked how can they keep a collection on money I never spent. She stated " ill place it in dispute '' and than hung up the phone on me. Now what?
Consumer complaint received 2019-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I owed XXXX money and when I found out I paid them. I have not once even spoken to convergent outsourcing about this yet they say I owe them money and then update it to I dont owe them money. I have never signed one contract with them. I have sent 100s of validation letters and they never respond! My issue has always been settled with the original person yet they fraudulently report it. They really need to read and understand the laws surrounding this. They are an illegal company preaching illegal tactics
Consumer complaint received 2019-06-20
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)

My personal information must have been compromised consider what I came across as I checked my credit file I am heartbroken to see what has become of my credit this feel like the last thing I can try to do to get this issue resolved
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (TN)

My home is set for property foreclosure XX/XX/2019. I recently faxed to my mortgage servicer request for mortgage assistance. I have attempted to acquire the mortgage company assistance several times for the last year and a half. They have been unwilling to assist me with saving my home. The notice I received from the foreclosure attorney was not received 30 prior to the sale date being set.

Tennessee Las state the property owner is to receive 30 business days notice prior to property foreclosure sale.

See Attachment Please Please Help
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXXXXXX XXXX XXXX  continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) HSBC credit cards ever. Both were charged off in XXXX and XXXX. XXXX continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although XXXX XXXX services admits that I only have ( 1 ) collection account, they continue to verify with XXXX  ( 2 ) collection accounts. I am asking XXXX to stop reporting the account # XXXX   They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute XXXX XXXX XXXX on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including HSBC into this complaint. Because XXXX continues to say these are different accounts. The account numbers do not match up because XXXX and HSBC use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. 
I need from HSBC : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with HSBC, the original creditor. I NEED HSBC IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. 
Thank you for your cooperation.
Consumer complaint received 2018-02-22
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. (CA)

Attention Equifax and if possible XXXX and XXXX Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct
Consumer complaint received 2019-06-20
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. (TX)

Macy's/Bloomingdales Had fraud happen on XX/XX/XXXX to my Macys account. 
After months of seeking resolution, finally Fraud was cleared but left {$6.00} finance charge and a 30 day delinquent notice on my credit report due to the fraud charges They should not have put the 30 day delinquent on my account due to fraud but did. 

Got the finance charge removed and when I went to get the 30 day delinquent notice they said they had sent it to the credit company. Since they told me that last month, this month I asked for a copy of the letter they sent to the credit company to make sure they had actually done it. After 45 minutes of being passed to different people, spoke to a " XXXX '' and when he checked with " his specialist '' he was told the 30 day delinquent had nothing to do with the fraud situtaion. Since my last actual purchase was in 2018, I found that hard to believe. Appartently all the staff that was saying a letter was sent to creditors was a lie. I want that removed from my credit rating
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Account name XXXX XXXX BANK, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This account was paid off XXXX XXXX XXXX  XXXX Credit Card {$0.00} Balance as ofXXXX Payment details Terms Revolving Payment status Paid, was past due 120 days Minimum monthly payment {$0.00}
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America Charge me overdraft back to back on transaction could be ovoid by declining payment by putting my interest first and not bank is greed to charge me {$35.00} overdraft each time. Because I was out of country and didnt have any way to deposit more money has transactions I didnt expect and thought was set to another count came through. And bank charged me {$12.00} and overdraft from the charge. 
Total I have 3 overdraft. I called and from customer services asked to talk a supervisor ( XXXX XXXX XXXX contact center ). XXXX refunded only the {$12.00} and overdraft from it XXXX stated that the bank will not refund any other overdraft. 

The bank didnt have to pay petty transaction such XXXX the charges could be rejected because the count was overdraft already for many days. ( I was out of country and unable to make deposit, {$12.00}, {$24.00}, and charge me each time {$35.00} overdraft. XXXX charges came through the wrong count he wasn't supposed to be bank of america. The charges were from another state which can show I was out of state. Bank refused any understanding or accept any reversal of XXXX charge. XXXX charge could be rejected, or overdraft charged next day after messages sent and courtesy wait time for deposit. Bank of America didnt do any. Bank of America just wants me to pay them {$130.00} overdraft they charged me. 
They said they will reverse only their monthly fee, and overdraft from the monthly fee, shouldnt be charge in first place. I requested XXXX charge/overdraft but they refused. 
I asked to talk to XXXX is supervisor, and got disconnected by accidently. 

When I called back XXXX ID XXXX customer services from Texas center was rude, aggressive. I repeatedly asked to talk with her supervisor she kept coming back in the line telling me that they dont have any supervisor available and I can wait if want. I kept telling her that I am, she kept trying to discuss the situation, telling me that theres nothing can be done and the bank will not reverse the fees. 
She was so rude and aggressive that I end up telling her that I really dont want to talk to her and been waiting for her supervisor, and that if she cant put me through her supervisor to transfer me back to XXXX XXXX. 
I waited for at 20mm before a supervisor finally came. 
XXXX XXXX supervisor, told me that there's none can be done and I have to pay the charges. Bank have right to charge this. 
That is not helping the customer, it to create hardship for the customer.
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

XX/XX/2019 received a call from XXXX XXXX while I was at work on my work phone. He was looking for a XXXX XXXX, possibly my sister who lives in another town. I politely told him he was violating the law by calling me at work to track down my sister who I have not lived with for 30+ years. he then used profanity cussed and slammed the phone in my ear. i called the company back to speak to a supervisor, was put on hold and then disconnected. I personally do not have any debts. Earlier in the day he called my son as well, who is XXXX yrs old and a XXXX  in college. 

The company is : XXXX ( XXXX XXXX XXXX ) in XXXX, FL XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( Office ) XXXX XXXX ( XXXX XXXX ) XXXX This was very abusive and both my son and I, completely unrelated to their matter, were subjected to abusive language. 

I asked XXXX for the address of his company and he told me not to get in his way and that I should learn the laws as he was not violating any and hung up. I was able to find the above on the internet which matched his number.
Consumer complaint received 2019-06-20
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some oft he names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-02-22
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: LEXISNEXIS (MI)

I contacted Lexis Nexis two months and disputed a Bankruptcy for XXXX Dollars. They never sent me any information nor did they remove the inaccurate reporting. I did another Dispute called and talked to a XXXX who stated that court give them the information. He stated they have court runners, and they also have a third party they go through, but he couldn't give me that information. I told him he was violation my rights without verification he refused to do it. I wrote the court a letter, and they responded. They refuse to send me validation or proof.
Consumer complaint received 2017-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

This is a new compl aint of bad faith and fraudulent banking activities by Wells Fargo Bank Home Mortgage relating to a Wells Fargo Mortgage Backed Security. Despite this circumstance I had tried to act in good faith to pursue a short sale resolution. I have been acting in good faith to complete a short sale with Wells Fargo bank and during that effort they scheduled a foreclosure sale date while we were making significant progress toward resolution. They are and have been acting in bad faith in response to my good faith efforts. I had fully engaged in the short sale process and had secured a qualified buyer of the property. We were in the process of negotiating a purchase, they responded by stalling the process, through an unnecessary three we ek delay in responding to our counter offer, and then saying sorry your house is being auctioned and now we have no time to process a new offer. They said you can try but we can not change the sale date from  XXXX   XXXX  at  XXXX . My question is if they are interested in changing their abusive, near predatory, internal policies WHY can they not extend the sale date for at least a few weeks to see if I can respond with an acceptable offer. At this point we are in full agreement that the price would need to {>= $1,000,000}.   Why ca n't they work with their customers and do the right thing instead of continuing their inappropriate business tactics. CHANGE THE SCHEDULED SALE DATE!!   This has been going on for over 10 years which began with my investigation and confirmation of fraudulent mortgage lending p ractices. ( T he report from  XXXX   XXXX   XXXX  has been submitted to them with full supportive detail ). I would resubmit that contention as part of this complaint and will be reaching back out to  XXXX   XXXX  to update that analysis.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

PennyMac services my loan and recently on the statement they have removed the PMI line item in the " transactions from last statement ''. I still pay for PMI and my full payment amount is the same. I just feel that they have changed the statement to hide the PMI charges. Why else would they remove the line item for " Mortgage Insurance Disbursement ''? I believe this to be unethical and misleading to customers. Thank you!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2016-07-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

Regarding : Citi Platinum Select Account ending XXXX, Citi Simplicity Account ending XXXX. 

I lost my job in XXXX and due to not being able to find a new job, I became XXXX. 

I was the XXXX in XXXX Pa. 
I was a XXXX accredited member with an A+ rating. 

I made a few late payments to Citibank, this put me on their automatic dialer Collections list, the phone calls never stopped even though I was making monthly payments. I sent them a Cease and Desist letter XXXX XXXX, XXXX but the phone calls never stopped. Citibank claims the letter was never received. 

I claim Citibank is guilty off unethical debt collection practices. 

In XXXX, XXXX, a XXXX. I was unable to do ANYTHING for the better part of a year. 
I have medical documentation of the injuries to prove that I did not make false claims regarding said injuries. 

During one of the many phone calls, Citibank was informed of the injuries, I said that I had every intention to pay my bill but am unable at the present time, I need time to recover, asked them to stop calling and reminded them of the cease and desist. Citi was calling me several times per day, to the point that I would answer the phone and say " I 'm sorry, but my situation has not improved since I spoke to you 2 hours ago ''. 

I reminded them of the Cease and Desist, and they said in a letter from the office of the president, dated XXXX XXXX, XXXX and signed by XXXX XXXX from the Executive Response Unit, that the Cease and Desist was never received, but the calls would stop for a 14-day period. I have documented proof that the calls still did not stop during the 14-day period, which can be backed up by Citibank 's own phone recordings. 

XXXX XXXX, XXXX I sent Citibank another Cease and Desist. The calls never stopped I have documented over 50 calls that were made during and after the 14-day period that was promised ( time, date, employee name, employee identification number ), and after the 2nd cease and desist letter. 

It is highly unlikely that using the same mail system that Citibank uses to send bills to their customers, neither of two letters sent to Citibank reached their destination. 

I filed a complaint with the XXXX, enclosed a copy of the Cease and Desist, which was forwarded to Citibank by the XXXX of New York. 

The phone calls stopped. 

I was satisfied. 

Then Citibank waited 1 year for the statute of limitations to expire on the Fair Debt Collections Act, Violated the terms of the Cease and Desist, transferred the accounts to an outside source ( Debt Collector ) and now this nightmare has started all over again. 

If an individual harassed another individual the way that Citibank harassed me and my family, the individual would get arrested, and have a criminal record that would prevent the individual from exercising one of our Constitutional rights