davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This problem all started by my account having a temporary suspension of transferring money because of a reversal. When I called to get everything sorted out, they stated that I needed to verify my license through a link and everything should be settled. They stated in the call that I had a reversal and if I had another then my account would be closed and I stated I understood. However there was an error when sending the picture of the license and they can only send one link a phone call as the representative stated. She told me to call back to receive another link and process my account suspension being lifted. When I called back I received another link and the new representative stated the same thing about my account having a reversal and to be cautious. I stated I understood and she sent me the link. However, the website was under maintenance at the time I called so once again we were unable to process uplifting the suspension on my account. She told me just to call back in and hour or two so I could finally receive the link and process what I had been trying to do for six hours at this point. When I called back for the third time, and tried to receive my link, the third representative told me they were closing my account. He also told me I didnt have one, but three total reversals on my account! This was the complete opposite of what I was told by two prior representatives! And besides the facts, the reversal happened because I was moving money around in my primary XXXX XXXX XXXX XXXX account and didnt realize I requested the transfer before I started moving funds! Ive always had a great standing with my primary account and Capital One closing this checking account is extremely unfortunate! Please help me get it reopened.
Consumer complaint received 2022-04-26
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: SF VAGO, LLC (TX)

In accordance with the fair credit reporting act State Farm Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I t also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I transferred {$2500.00} to a service provider in exchange for a specific service. Despite the payment, the service was never rendered. Consequently, I initiated a chargeback through my bank, which initially refunded the amount and opened a case for investigation. However, to my dismay, the bank ultimately concluded that the transaction did not constitute fraud and is taking back my charge, despite evidence suggesting otherwise. This decision has left me in a state of frustration and financial loss, as I firmly believe that I was deceived and defrauded in this situation.
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

XXXX XXXX XXXX sold my loan to SP Servicing in XX/XX/XXXX of this year. I received a loan modification in 2016 from XXXX XXXX XXXX due to a bad loan from XXXX XXXX XXXX. XXXX XXXX XXXX never FLAGGED MY ACCOUNT on none the Credit Bureaus as Modified Loan. But I NOTICED today once SPS finally began to report on my credit after waiting 3 months MY MORTGAGE ACCOUNT HAS BEEN FLAGGED AS A LOAN MODIFICATION. SPS did not do the modification they brought the loan. Further more without me or my husband even knowing now to report that way and bring down our Credit Score FLAGGING our Mortgage Account as a Modified Loan is totally unfair. We went thru that already years ago. To go thru it again with this company is totally unfair!
Consumer complaint received 2019-09-13
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)

I am a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/XXXX.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police report.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

The original debtor cleared the debt in XX/XX/XXXX. They removed the accounts from my medical record and did not further communicate with me outside of sending a letter confirmation that I owed a XXXX balance. 

On XXXX XXXX, XXXX, I received email notification that 12 accounts were added to my credit as derogatory marks. When I contacted the original debtor they could not help and that they did not clear the accounts ( again, I have documentation ). The collection company is lying and saying they made contact with me about this and that these items have been in collections for years - I have screen shots that these accounts were added on XX/XX/XXXX.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My name is XXXX XXXX XXXX. It is showing again as XXXX XXXX XXXX. I have sent in copies of my ID and SS card several times and they did correct it however, it is showing again.
Consumer complaint received 2019-09-13
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. (IN)

While serving oversees my Idenity was compromised. The item below have been fraudulently opened and placed on my credit report. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX 9.  XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX
Consumer complaint received 2023-08-01
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. (NV)

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

has violated my rights. Or list of inquiries 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 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.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My personal information that I need on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX any other names or addresses are not accurate and need them removed
Consumer complaint received 2019-09-16
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: Resurgent Capital Services L.P. (UT)

LVNV Funding LLC on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.
Consumer complaint received 2023-03-29
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. (MO)

I have negative remarks that have been disputed with said companies and 30 days has passed and no updates to the request to remove the accounts that violate FCRA guidelines, and this is my second request for removal of these incorrectly listed items, the items are not reporting accurately to the credit bureaus. I have requested these entities remove these inaccurate ratings against my credit report causing severe hardship against my credit score that is in direct violation of FCRA guidelines.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (NY)

I received copy of my credit report and i saw incorrect information. 
I have never apply for this company, i have no idea who is creditor, how is appear on my credit, i have never sign any contracts or agreements with this company.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

On XX/XX/2018 i was offered a settlement offer in exchange for a pay for deletion. The debt was paid. Fair collection & outsourcing was removed from my XXXX   report. Yet it is still showing on my XXXX and XXXX as i owe them.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Bank froze my account due to inactivity even though I have a monthly deposit into the account. I found out about this from a letter received from them with ways to re-activate the account. The 1st one on the list after 3 phone calls and being disconnected once and hung up on a 2nd time was told was unavailable in NY for some unknown reason? The second option was to move money out of my inactive account to my savings account which for some reason has different rules. I did not understand how I can move money into or out of a account that was inactive, but low and behold I was able to. At this point being totally unnerved dealing with people that have no clue on how to provide service I decided I want to move my money out of my accounts to another bank but once again Wells Fargo proves that a simple transaction can be impossible to complete with them. They will allow me to move money into my Wells Fargo accounts bur not out and was told well basically everything looks okay but we don't know why. Then when asked rep who to file a complaint with she would not provide info. Wells Fargo should be shutdown they are a embarrassement to the banking industry.
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: RFNA, LP (SC)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Republic Finance regarding a series of issues related to a loan experience, credit reporting discrepancies, and potential violations of consumer protection laws. I believe these matters require immediate attention and intervention by the Consumer Financial Protection Bureau. 

Lack of Loan Disclosure : Despite never filling out an application, I received a check in the mail from Republic Finance, which I later discovered was associated with a loan. There was no accompanying information explaining the terms of the loan. This lack of disclosure has left me with a limited understanding of the financial obligations associated with the loan. 

Exorbitant Interest Rates : I am deeply concerned about the interest rate applied to the loan, which appears to be exorbitant. The interest charges accrued have reached nearly three to four times the initial loan amount, creating a substantial financial burden that was not adequately disclosed or anticipated. 

1099-C Issuance and Credit Reporting Discrepancies : I received a 1099-C Cancellation of Debt form from Republic Finance, indicating the discharge of the debt associated with the loan. However, my credit report still reflects negative information from Republic Finance, contradicting the debt cancellation indicated by the 1099-C. This inconsistency is causing confusion and adversely affecting my creditworthiness.
Consumer complaint received 2023-03-29
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. (IL)

I did not authorize any of the hard inquires listed I notice these on my credit report XX/XX/XXXX, I have file a police report and a identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (UT)

Opened accounts with Citibank. There was a {$400.00} account opening bonus if I met certain criteria after the accounts were opened. 

Into a savings account I put over {$15000.00}. Into a checking account, I caused direct deposit payments from my work to be sent. 

I met the account opening bonus criteria. 

Citibank has yet to issue to me the {$400.00} credit, even though I've make many, many, many phone calls to them about the matter, and also sent to them mailed letters - all to no avail. 

I've also emailed the " executive escalations '' group at Citibank, and that didn't help either. 

Proof of my compliance with the requirements for the bonus is attached for where a Citibank agent states in a chat session that I have met the requirements for the bonus.
Consumer complaint received 2024-02-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to address a critical issue concerning a fraudulent account that has been inaccurately listed on my credit report. Specifically, I am deeply concerned about the inclusion of the account linked to XXXX XXXX XXXX with the reference number XXXX.
Consumer complaint received 2023-03-29
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. (MI)

In accordance with the FAIR CREDIT REPORTING ACT ... XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written permission 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 reason
Consumer complaint received 2019-09-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (CA)

Midwest Recovery Systems representing XXXX XXXX ' XXXX has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2019 XXXX XXXX ' XXXX {$310.00}
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2017-12-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (FL)

I was sued by XXXX XXXX XXXX allegedly representing Citibank NA on a credit card debt XXXX case # XXXX XXXX XXXX XXXX XXXX . I answered ( pro-se ) alleging they had no standing as they did not appear to have been actually authorized by Citibank to represent them. Subsequently they filed an affidavit ( 149 pages ) containing my complete account records for over 2 years including the unredacted account # s and ID of various medical and other accounts. After losing my case and my counterclaim I was told by the Court that I could file to have this data redacted. This was not the case as I do not qualify for that and I am not permitted to have this filing made private as that is something only the plaintiff is allowed to do. I had notified XXXX on XXXX in my answer that I am a widow on a fixed income from SS and a small pension and exempt from any possible garnishment or attachment as I have no assailable assets. XXXX proceeded to obtain some sort of authorization in XXXX XXXX to actually represent Citibank and proceeded to obtain and record a judgment against me, as well as proceeding to file judgments in several other cases that were in the same Court that were still open and had no activity for 3-6 Months prior. It is my contention that XXXX had used the Court as a collection agent in many cases without actually at the time of filing being authorized to do so. In addition the publication of my account records including the names and account # s of various medical payees is a violation of my privacy rights under HIPAA.
Consumer complaint received 2022-09-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation (CA)

I obtained a car title loan with Onemain Financial. A few months ago the car was struck by a hit and run driver. It was deemed inoperable. I decided to keep and fix my car. The car insurance company paid {$7000.00}, and Onemain Financial is the lienholder. I had a balance and it went to them. I fixed the car with my own money, and paid for inspections, paid the DMV all the fees to obtain a salvage title, but OneMain will not electronically release the title to the DMV until I pay my loan balance of approximately {$800.00}. Now I'm not asking for the title I'm asking for them to give the title to the California DMV because this is a new car it will get a new title. It's preventing me from registering the vehicle. I paid {$490.00} for the registration, and ca n't drive my car because of OneMain. When I call they claim to have no clue about what they should do on their end. I leave messages, no one calls me back. I have sent emails with screens shots of the appropriate paper to fill out and send to the DMV but they absolutely refuse. This isn't their first rodeo. They know exactly what needs to be done. They also should have paid this registration like the XXXX XXXX, CA Branch paid when I initially got the loan. Can you please help me?? They keep adding late fees on top of late fees, and won't help me with my account or return my calls.
Consumer complaint received 2022-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (OR)

Morgage company XXXX has now misplaced three cashiers checks. A second payment was made in XXXX for XXXX and one in XXXX for XXXX. We also sent a replacement money order from our bank in the amount of XXXX with and other monthly of XXXX sent certified mail. They applied the XXXX and lost the replacement for the originals they lost. We have provided them a notorized letter from bank saying they cashed the original payment. They have sent letters admitting fault and refuse to correct the account or my credit score. I will attach documents.
Consumer complaint received 2019-09-13
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. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-29
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. (OR)

I filed an identity theft report on XXXX XXXX XXXX account additionally XXXX and XXXX followed the law and deleted the accounts, This is clearly fraudulent information that Transunion is still reporting so it needs to be removed immediately per the FCRA 15 U.S.C. 1681 and 15 U.S.C. 1681c-2 ( a ). I have attached evidence of Transunion reporting this inaccurate fraudulent information. Furthermore, Transunion and XXXX are reporting XXXX XXXX XXXX inaccurately, and non congruent when XXXX had removed the fraudulent account, this also needs to be reporting accurately per the 15 U.S.C. 1681.