davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NY)

I have no knowledge of this account and the agency has been unable to send me the documents I have requested I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has acted in bad faith and has been unjustly enriched because of coercion and undue influence. 

They have failed to provide me any valid proof of indebtedness nor proof that they sent me ANY disclosures required by federal law. 

Your company is violating federal law by knowingly furnishing false credit information without clarifying the billing error. It is impossible to be late on an extension of credit. 

I DID NOT AND DO NOT consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and my Right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v Union of India 2017. 

The consumer credit transaction included a " finance charge '' which under federal law is the sum of all charges in a " credit sale ''. 

XXXX XXXX  on their " agreement '' specifically says, " You don't have to pay the finance charge or other amounts that are more than the law allows. This provision prevails over all other parts of this contract and all other acts ". COMPLY WITH YOUR OWN AGREEMENT PROVISIONS. I want to know what law XXXX XXXX XXXX is operating under to coerce $ XXXX from me to get my property back that they stole from me when they said I don't have to pay the finance charge? 

Your company stole my property because of your omission of known facts, false and misleading representations made to me, furnishing false credit information, failure to provide me proper disclosures under the Truth In Lending Act regarding the financed sale, and collections of an extension of credit by extortionate means, constituting a pattern of racketeering activity between XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, Experian, and any other Consumer Reporting Agency you do business with. 

This is my explicit notice that I DO NOT want to and DO NOT AGREE TO pay the finance charge or any other amounts. 

This is my official disaffirmation of the unconsciousable contract they coerced me into. 
I do not consent to your collection of my extension of credit by extortionate means. 

This is my official notice of " rescission '' of the contract of adhesion since XXXX XXXX XXXX deprived me of the opportunity to rescind earlier with proper rescission forms. 

This is my official " opt out '' of having negative information reported to my consumer reports since XXXX XXXX XXXX deprived me of proper " opt out '' forms ''. 

Refer to attachment of XXXX  's response to my first CFPB complaint against them where XXXX includes a copy of the " agreement '' and refer to XXXX XXXX of their agreement where it clearly states that provision prevails over all other parts.
Consumer complaint received 2021-07-21
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. (UT)

XXXX  as credit reporting agency did not investigate well when dispute was filed. The account was never late, the payment information the original creditor had on file never declined. The original creditor never contacted me for late or missed payment. The creditor stopped collecting the debt at its own will. And then sent it to collections. 
I contacted XXXX  to resolve this matter. They said they have verified the debt without fully investigating it.
Consumer complaint received 2024-03-05
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Ignorant applications of RESPA statutes to all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, Experian and XXXX by XXXX, XXXX and XXXX XXXX. ( ref to complaint XXXX, missing primary documentation submitted through CFPB XXXX XX/XX/2022 )
Consumer complaint received 2021-07-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX It has been brought to my attention that inaccurate and unverifiable information has been listed on my ChexSystems file To my knowledge, I have never had these items and am therefore writing to request full validation of this debt as is my right under the FCRA. 

Please provide the following Agreement with that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number on file. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are implemented. 
Please provide the name and address of the bonding agent for your collection agency in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of ALL requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

In the absence of such documentation, I request that these accounts be permanently removed from my ChexSystems report. 

The accounts are listed below : incorrect information and violation of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

This has been going on for years that I keep getting letters for a debt with XXXX. It first started on XX/XX/14 with XXXX XXXX XXXX. I filed a complain with CFPB on a debt I have never had and on XX/XX/14 XXXX sent CFPB a letter that I have never had an account with XXXX. Then on XX/XX/14 I received a letter from XXXX XXXX XXXX stating I owed this debt from XXXX. I filed a complaint here and XXXX XXXX XXXX killed the collection notice. Now yesterday I received a letter from Convergent Outsourcing XXXX Inc. saying I owe {$680.00} for a credit card I have never had. Attached you will see all my previous letters I have received and the letter from XXXX. I have also attached the new letter I received yesterday.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OK)

I closed my XXXX XXXX XXXX XXXX  account & received a letter confirming it on XX/XX/XXXX. I had a balance from a purchase the month before, in the amount of {$110.00}. I paid it in full & on time. 
I placed another order with XXXX XXXX online in XXXX expecting to get a 25 % off discount. When completing my order, it did not apply to my balance. I immediatly called XXXX XXXX to see if they would adjust my order so it would apply the discount. They said they couldn't do that. I then asked them to cancel my order all together & again they said they couldn't. 
When I received the package, I returned the full order in the amount of {$150.00} back to XXXX XXXX. This gave me a credit of {$130.00} plus a charge of {$10.00} for a return fee on my XXXX XXXX XXXX XXXX. This left me an unnecessary balance of {$33.00}. I contacted XXXX XXXX again to credit back those charges, since I tried canceling the order from the start. They only credited the {$10.00} for the return fee, which still left me a balance. 
During all this time, I was out of state and not able to keep up with my account as well as if I were home, so therefore, I had forgot to pay the final ( unnecessary ) payment of {$24.00}, which made it a day and a half late by calling to make the full payment of {$24.00} in XXXX. The XXXX statement showed a total balance of {$35.00} for a late fee. I called XXXX XXXX to request a credit of the late fee, so I would have a XXXX balance & be in good standing with them. I was told since I closed my account they couldn't do that. Again, I was still out of state and made the unnecessary {$35.00} payment by phone on the due date, but was again almost 2 hours being on time. The XXXX statement showed a late fee and balance of {$35.00} once again. Again I called XXXX XXXXe to credit this charge & again they said they couldn't since I closed my account. This really frustrated me since I had previously paid my full amount due, plus two late fees on top of that. With that, I decided to write a letter to Comenity Bank to see if they would resolve the late fees being charged each month with a paid in full balance from purchases. Meantime, I still did not pay anymore while waiting for a response back from them. 
I received a letter dated XX/XX/XXXX stating that they could charge me a late fee if the minimum amount was not paid by the due date and that I now owed an amount of {$110.00}. 
I have been an account holder with XXXX XXXX for several years now and each time I made a purchase, I paid the card in full & on time. Now they are billing me each month with a late fee and interest for late fee, except for the last statement I just received. It showed an interest charge on purchases ( my purchases are paid in full ) and a total balance of {$110.00} ( late fees & interest ). 
Please see if you can get the amount of {$110.00} off my account along with the bad credit report that was given to me for not paying late fees. 
Thank You
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2023-03-27
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX  XXXX Balance : {$5500.00}
Consumer complaint received 2019-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC (FL)

I received the final closing disclosure with a huge variance in the escrow account. 
On XX/XX/XXXX the escrow account is {$1000.00} On XX/XX/XXXX the escrow account is {$3300.00} ( This is the final closing disclosure before the closing date ).

Due to the construction delay of the house I purchase, my closing date has been changed at least 3 times. Now when the house in almost done, with the fact that the XXXX company urges me to close as soon as possible while there is a huge difference in my monthly payment and escrow account, I do not feel comfortable to close this house ; especially when they threatened me that I have to pay for the penalties. 
I completely feel disrespected and deceived by XXXX the home builder, Eagle Home Mortgage, and XXXX mortgage closing company.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Experian is reporting a bankruptcy on my credit report with the incorrect docket number that they have failed to verify. I sent a letter informing them to verify the bankruptcy not just stating that its " verified ''. I also enclosed a letter where the bankruptcy court stated they do not verify bankruptcies with the credit bureau. Experian violated my rights as a consumer.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need to get a balance sheet stating the payments made after account was closed. Also need current balance and status of account on company letterhead.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

The following fraudulent, in-person charges were made to my account by someone who somehow got a hold of my credit card number. The charges were made in XXXX, GA, a city that neither myself nor the other authorized user on my account have ever even visited. 

XX/XX/21 XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX {$38.00} XX/XX/21 XXXX XXXXXXXX {$11.00} XX/XX/XXXX XXXX XXXXXXXX {$28.00} XX/XX/21 XXXXXXXX XXXX XXXXXXXX {$6.00} XX/XX/21 XXXX XXXX {$72.00} XX/XX/21 XXXXXXXX XXXX  XXXX {$8.00} XX/XX/21 XXXX XXXX XXXX XXXXXXXX {$55.00} XX/XX/XXXX XXXX XXXX XXXX {$39.00} XX/XX/21 XXXX XXXX XXXX XXXX {$100.00} XX/XX/21 XXXX XXXX XXXX XXXX {$22.00} XX/XX/2XXXX XXXX XXXX XXXX XXXX {$91.00} XX/XX/21 XXXX XXXX XXXX {$34.00} XX/XX/21 XXXX XXXX XXXX {$24.00} XX/XX/21 XXXX XXXX XXXX {$57.00} XX/XX/XXXX XXXX XXXX {$62.00} XX/XX/21 XXXX XXXX XXXX XXXX {$72.00} I called Chase and disputed the charges. On XX/XX/21 Chase sent a letter stating that they were denying my fraud claim because I allegedly " received a benefit from '' the above charges. I again called Chase to complain and they re-opened the dispute. On XX/XX/21 Chase sent a follow-up letter again denying my fraud claim. I again called Chase on XX/XX/21 and they agreed to re-open their investigation. However, based on how things have been going thus far I am not optimistic that they will admit that these charges were in fact fraudulent.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also XXXX  is reporting inaccurate information going by the newest lawsuit against them I am considering seeking a legal attorney on this matter because I am being treated unfairly as a consumer.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I tried to apply for bi-weekly payments. I completed the form and returned it to the servicer XXXX Dovenmuhele ) and they did not process it. When I called them they said it was put in a " suspense '' folder but that there wasn't a reason for it to be in a suspense folder. Then she said I needed to submit the form a second time. This is very common with this servicer. They do not do what they are supposed to do the first time. They take no ownership of problems and then they want the customer to do something again because they can't do their job correctly the first XXXX second or third time ). Then they suggested that I email it to them using a method which is not secure which does not protect my non-public information. Because of their error, enrollment in this program will be delayed another month. I asked for some sort of expedited processing, however they refuse and say I just need to re-submit the form and it will sit at the bottom of the line until they decided to look at it.
Consumer complaint received 2016-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I applied for a CitiGold bank account with Citibank in XXXX XXXX under a promotion for XXXX XXXX XXXX miles. The miles were to be credited to my account as long as I met the requirements of the promotion. The requirements were {$1000.00} in debit transactions within 60 days as well as bill pay for consecutive months. I met the requirements at the beginning of XXXX, and received confirmation that I met the requirements on XXXX/XXXX/XXXX via Citi 's secure message system from XXXX XXXX. 

At this point, they explained that I needed to wait 90 days for the miles to be credited to my account. I waited the 90 days and secure messaged them again and received a response on XXXX/XXXX/XXXX from XXXX XXXX. She explained that they needed to open another research case to determine whether or not I was actually eligible for the promotion. Keep in mind, at this point, they have collected {$90.00} in monthly fees as the account needs to be open and in good standing prior to receiving the miles. 

On XXXX/XXXX/XXXX I received a message saying that I had met the promotion but they needed my XXXX XXXX account number in order to credit the account. I provided the account number several days later, and waited to see if the miles would be credited. After waiting two weeks, the miles were still not in my account. At this point, I called Citibank to see what the hold was. The customer service representative informed me that the miles usually credit and post to XXXX XXXX after my Citibank statement date closes. I took their word for it and waited until the beginning of XXXX to see if the miles would post. Still no miles. And I was charged another $ 30 monthly fee, making my total monthly fees paid to Citibank to be {$120.00}. 

I secure messaged Citibank again to see why the miles still had not credited to my account. On XXXX/XXXX/XXXX I received a response from XXXX XXXX stating that I was not actually targeted for the promotion so I am in violation of the terms of the agreement. This is in direct contrast to all of the previous emails and messages I have received, and Citibank has collected {$120.00} in fees from me. 

Fortunately, on XXXX/XXXX/XXXX I received a message from XXXX XXXX via secure message that said they would be honoring the terms of the original promotion and I would be receiving the XXXX XXXX miles within 60 days. They said they could not waive the 60 day waiting period. 

This is in direct contrast to the terms of the original promotion which stated that the miles would be credited to my account no greater than 90 days from when the promotion was met. By including this additional 60 day window, Citibank is collecting even more account fees from me. I am incredibly frustrated and insulted by the lack of customer service at Citibank.