davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The company XXXX XXXX is inaccurately reporting late payments on a closed account I had with them. Per the US Law Late payments are transactions between the creditor and I. Reporting these transactions is a violation of the law below and I would like the inaccurate information reversed. 

XXXX XXXX XXXX XXXX ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; Please reverse or set to paid as agreed the below accounts : -XXXX XXXX you reported that my transaction was 30 days late. 
XXXXXXXX XXXX you reported that my transaction was 30 days late. 
XXXXXXXX XXXX you reported my transaction was 60 days late. 
XXXXXXXX XXXX you reported my transaction was 90 days late. 
XXXXXXXX XXXX you reported my transaction was 120 days late. 
XXXXXXXX XXXX you reported my transaction was 150 days late. 
XX/XX/2020 you reported my transaction was 180 days late.
Consumer complaint received 2022-08-16
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 (CA)

I applied for a Capital One credit card- 'XXXX XXXX I read all the disclosures ; since I didn't want a cc with any fees. The disclosure didn't mention a 'membership fee '. I was Approved. Once I received the first payment ; there was a 'Membership Fee ' of {$95.00}. 
I called Capital One and they wouldn't waive the fee. They also said that they have the option to charge some customers the Fee and not charge others. I spoke to a Manager ; and he ignored my request.
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

XXXX XXXX removed this credit file and keeps reinserting it. They have NOT sent me 5 day as required by Federal Law and in violation of fdcpa 805. communication in connection with debt collection. I do not owe them anything as I have never done any business with this company period nor have received any documents to confirm I owe XXXX XXXX. They are continually violating my consumer rights. As well as the state of TN requires they be licensed and bonded in state in order to attempt to collect any debts. They are neither licensed or bonded.
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

Company violated my rights under the FDCPA by continuing to attempt to collect the debt after I requested a debt validation and before they sent the validation to me.

The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer a consumer request is received.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: StellarFinance, Inc. (VA)

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and Stellarfinance Inc has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish my rights account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-05-25
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. (GA)

I am disturbed that XXXX, XXXX and EXPERIAN to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.
Consumer complaint received 2016-12-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (FL)

Untimely direct deposit. Received pay statement XXXX XXXX. XXXX was XXXX XXXX. Have called many times. No getting answers. Payroll deposit still has not posted. My job has sent a test payment and checked the numbers twice. Falling behind on bills, coming in Dept and other prproblems such as rent and XXXX. Would like to no what legal actions can I take n the state od Florida.
Consumer complaint received 2016-01-11
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (FL)

I was unaware that I am being Charged an inactive fee from BB & T bank in the amount of $ XXXX/month.I have it just as a little savings and my safety deposit box is also with them.These " fees '' should be deemed criminal, just because I do n't use the account once a month I am punished.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of the collection accounts, which have no company name listed and no information has been provided. Here are the accounts : XXXX {$130.00} XXXX {$110.00} XXXX {$180.00} XXXX {$120.00} They always say they verified information and do not ... Please VALIDATE this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.
Consumer complaint received 2016-01-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Delray Capital, LLC (UT)

They called about an year ago leaving a voicemail threatening that i would go to jail if i did n't make a payment to them that day. They left the same voicemail on my parents and siblings phones. in fear of there threat i began paying them the claimed i owed XXXX on a payday loan. since then they have taken over XXXX from my account and have n't returned any of my phone calls. Finding this very suspicious far too late in the game i did research on them to find out that the XXXX has an alert on them and multiple fraud complaints. I thought i was paying off a debt but now feel i have flushed XXXX down the toilet please help.
Consumer complaint received 2019-05-25
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: Experian Information Solutions Inc. (CA)

EXperian, I want to show fraudulent consumer reporting taking place credit manipulation by you in your own omission, your statments enclosed, I contacted you through the CFPB many time about this and other case where you refuse to remove account when told by furnisher who can get contract back and by debt collector who states remove account you keep stating validated and not removing account. in casr XXXX you state furnisher can not remove account only debt collector your omission, caseCFPB XXXX from debt collector remove account { you refuse } letter from furnisher stating I do not own this account that you fradultly claimed over the years as mine state remove account .consumer credit manipulation is against the law you can explain to me and CFPB why you refuse to remove account, CFPB please look in to there business practices of fraudulent reporting, Enclosed is proof of just that remove the 2 pertaining fradulent reporting account related to there dispute numbers
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

Selene finance refuses to remove my pmi Insurance witch is XXXX a month despite my property value increasing tremendously. 

They say i dont have a good payment history and i was delinquent on my payments. 

My load was recently sold and there was a change in investor and servicer so i dont know how they can say i was delinquent if my investor is no longer XXXX XXXXXXXX XXXX Please have pmi removed asap
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MD)

I got a Discover secure card for {$1000.00} they never upgraded me or helped me fix an issue I had so it closed. I think it was very unfair and never explained they sent me a letter saying apply again and send deposit to reopen- they never reopened my secured card account nor explained why but my past- I was never late, never used it barley and was always current.
Consumer complaint received 2016-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC (FL)

Repeated phone calls from XXXX, XXXX, XXXX. All from the same organization. Calls are coming in before XXXX. When I asked that what ever this is regarding that they send a written correspondence, I was told they do n't have to and hung up on me.
Consumer complaint received 2022-08-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX, 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 a account without my written instructions
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My account has been froze by Bank of America I have money in account they will not give me Im about to be evicted and disconnected power notice I have {$1700.00} in this account that they will not release Im at my breaking point I have a three year old and I dont wan na be homeless
Consumer complaint received 2022-02-02
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. (IL)

I have several issues with Equifax XXXX. I submitted a disputes for some closed accounts that appeared on my credit report that doesn't belong to me, please look below : XXXX XXXX  XXXX XXXX XXXX XXXX In XXXX and XXXX, I paid all these accounts off to XXXX because I was buying a home and this was causing me to get a higher rate and lower approval amount. Before paying them off I did dispute with both the creditor and the credit bureaus and I was still stuck with these accounts. 

I want these accounts removed as these aren't my accounts, I never authorized no one to open them, and I have received any items off any of the purchases for the charges. 

Today I received my results on confirmation # XXXX that states on each one of these accounts, " The information you disputed has been verified as accurate, and We verified that this item belongs to you ''. 

Crazy thing is I've asked how was this verified, I also asked for documents barring my signature the credit has failed to provide me this, please send me anything that I can give to law enforcement as I've filed a police report and a Federal Trade Identity Theft Report ( attached ) XXXX. Equifax want share my information with other XXXX bureaus credit services this is so I can check my credit reports often without going to each individual sight, please also look at the attachments. 

XXXX. I gotten married recently I sent Equifax my ID with my married name on it, they have yet to update my name as XXXX XXXX they are being disrespectful and XXXX about making the request in this complaint as I know caucasian don't go through this.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

To whom it may concern, I have been banking with Citi Bank for the last past seven years in XXXX California. In XXXX of XXXXXXXX I started to notice fraudulent activity with my account. It was reported to my customer service immediately and was temporarily resolved.After days I found myself locked out of my account password and user name changed. I immediately reported this activity once again, I went through numerous steps to prove my identity in person to secure my account. About a week later I was locked out once again. I was once again told to walk into a branch. On XXXX XXXX I walked in my home branch in XXXX California, I was assisted by the branch manager in which she informed me that customer service advised me to close my old account and open a new account. On and around this time I was also locked out of both my emails in which I informed the bank I think something was wrong. An Appointment was set for XXXX XXXX to open the new account and transfer funds, the opening of the new account was successful. On or around XX/XX/XXXX XXXX I was blocked from using my debit card, I then contacted my bank and to my surprised my new account was scheduled to be closed and I no reason was given, just that i should receive whatever funds in about 60days from closure of the account, and that I was not able to walk into my branch and withdraw my funds. After weeks of investigating I found out that I was a victim of identity theft. I filed a police report with the XXXX XXXX police department as well as an identity theft report with the FTC. I informed my bank of the identity theft in which they asked me to please provide the police report. I was advised to walk the report into a branch. On XX/XX/2022 I walked into my home branch in XXXX California with my Police and FTC report and submitted it. After submitting the report like requested I then called to check the status. I was given a number to Account Takeover in which I was then assigned to an investigator. Upon speaking to this investigator he was very rude, screaming and yelling as if I was at fault. I was under the impression that this issue was close to being resolved after documents were submitted. The investigator was asking me for the exact same documents that I had already submitted on XX/XX/2022. This has been by far the worst experience of my banking life. This has caused a family hardship. Citi bank has yet to resolve this issue.
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WI)

I signed up for a bank account with Well Fargo. There was an introductory offer that if I made 3 consecutive direct deposits of {$500.00} or more for 3 months, then a {$200.00} sign up bonus would be applied. I met those requirements but did not see the bonus by the time if was supposed to show up.

I then contacted Wells Fargo the service rep stated I met the requirements but the service rep said they would not pay it. To quote the service rep precisely : Mr. ________, I reviewed your account and our records show that the requirement of the campaign were met and we are therefore not able to issue the promotional credit.
Consumer complaint received 2022-08-16
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. (MA)

The account in dispute is # : XXXX being reported by XXXX XXXX XXXX XXXX reporting to XXXX and transunion Date opened was : XX/XX/XXXX Account closed on : XX/XX/XXXX Showing multiple late payments from XX/XX/XXXX - XX/XX/XXXX High balance of {$10000.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 a account without my written instructions
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am disturbed that EQUIFAX, XXXX and XXXX to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

The collection letter I got from National Credit Systems contained no information about how I can dispute this illegitimate debt. National Credit Systems only Instructed information on how to pay but nothing on how to dispute this debt. I was originally let out of an apartment lease due to severe medical conditions and provided a letter from my Doctor to the apartment Manager who advised me there was no problem. Once I got a collection letter from National Credit Systems I was confused. I tried calling this collection agency to advise of my dispute and requested to speak to a manager. I was immediately advised by the lady who answered the phone that I could not speak to a manager and was instead transferred to a collector named XXXX XXXX. I explained in great detail about my medical condition, the Doctor 's letter I provided to the apartment manager and why I disputed this illegitimate debt. In the middle of my explanation and without warning he placed me on a very long hold. when XXXX XXXX finally returned to the line, he talked over me and interrupted me with loud and rude demands for payment. I again advised of me dispute and then he rudely hung up on me. The phone conversation I just described took place on XX/XX/2022. I fully expected that I would receive some sort of an attempt at validating this debt and maybe even a call from a manager apologizing that I was denied ever even speaking to in the first place. I called National Credit Systems again on XX/XX/2022. This time I was again denied my request to speak to a manager and got same XXXX XXXX on the line. this time I hung up on him due to my previous treatment by him. National Credit Systems never validated the illegitimate debt and only threatened me with ruining my credit report. Please do something about this as I am suffering from much XXXX which is only aggravating my medical condition. Thank you who
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MD)

This is complaining CITI BANK 'S ridiculous charges of {$25.00} against my CITI AAdvantage credit card. Informed by their representative onXX/XX/2019 : CITI BANK changed XXXX XXXX billing from mail bill ( paper bill ) to electronic bill ( paperless ). I have no knowledge whatsoever about my unreceived bills. I know nothing about bill format changes pertaining to XXXX XXXX. As a credit card client, I receive bills and then, I pay it off. ACTUALLY, I NEVER RECEIVE THEIR BILLS FOR TWO MONTHS ( XX/XX/XXXX thru XX/XX/XXXX ) in any format ( paper bills or paperless ). I had found myself that I have not received bills for a while ( XX/XX/XXXX thru XX/XX/XXXX ). On XX/XX/2019, I had to phone them to inquire about my bills. OnXX/XX/2019, I paid the monies I spent which is {$46.00}. 

XX/XX/2019The representative have informed me that the charged fees ( penalty ) and interest of {$25.00} will be adjusted and dropped. 

XX/XX/2019 The representative informed me the adjustment ( {$25.00} ) is not yet adjusted. But will be adjusted ( dropped ) on XX/XX/2019. 

XX/XX/2019 The debit of {$25.00} remained. Actually, all {$25.00} is never adjusted, even as today ( XX/XX/2019 ). It actually may be growing due to interest. 

CITI BANK is dishonest and is cheating customers.