davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

This comaplaint is for Citi for the VISA Best Buy credit card. My credit card was used without my consent on XXXX XXXX 2017. There were two charges made. One charge was was at XXXX XXXX XXXX  for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XX/XX/XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that Citi closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that Citi needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one Best Buy account showing a balance of {$940.00} and another one of {$47.00}.
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COOLEY ENTERPRISES INC (TX)

I have made 4 requests to XXXX XXXX ( XXXX ) in regards to canceling the service plan for R.O.A.D IN TIRE in the amount of {$1400.00}. I have also requested this to XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) who directed me to XXXX XXXX and CC 'D his supervisor XXXX XXXX ( XXXX ) who has also not responded to this request. 



I noticed they have been receiving my e-mails based on the read-receipts that I requested. I specifically asked that they communicate with me via e-mail as it is my preferred method and will avoid future misunderstandings..
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (MA)

I repeatedly receive a Report of Available Funds letter from Homeside Financial LLC. These letters are deceptive and are essentially an unsolicited ad to refinance my mortgage while camouflaged to look like unclaimed funds in an escrow or similar type of account. 

The latest incident is XX/XX/2021. The letter explicitly states {$2700.00} Estimated available funds from my current FHA loan without explanation.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (MO)

I sent proof of these unauthorized inquires to Equifax and XXXX XX/XX/2021 and I have not gotten a response from neither company yet. I have proof in the FTC Identity Theft Report and attachment labeled as Exhibit A-B that all of the companies are in Violation of 15 USC 1681 N. The companys willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1681. They are now civilly and criminally liable for those Violations.
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (IL)

XXXX XXXX is saying I owe {$430.00} but the paper they sent me as their proof clearly say the individual was a female on the paper and the address said somewhere I never lived and I will attach the proof and my ID showing and saying Im a male with my proper address I been living for the last 11 years.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (MI)

Ive asked on several occasions to receive verifiable proof that this debt belongs to me with my original signature with this company based on fair practices according to the FCRA. They have not sent me any verifiable proof but have damaged my credit.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union (MA)

First Tech doesn't not care about it members or customers even though that what it claims on it website that " Our credit union always puts people first. '' I initiated a transfer from my external bank for {$350.00} on Tuesday XX/XX/21 at XXXX EST because that's what my current and available balance said I had in my account. Unbeknownst to me at the time, my actual balance was actually {$350.00} because they still had not updated my account to reflect the withdraw of the trial deposits from the bank I was transferring to. On my end, I already saw the withdraw line for the {$0.00} of trial deposits when I logged into my First Tech account so I assumed {$350.00} was my correct and accurate balance given that {$350.00} showed as my current and available balance. The next day I saw that my transfer had failed and they charged me {$33.00} for the failed transfer that was caused by the information on their online banking not reflecting the accurate balance. I called them severals times to see if they could reverse this fee, and they refused to reverse it, giving me fake empathy saying they understood how I felt but couldn't do anything. You can't do anything? You literally are the one setting the fee, not me. You understand how I feel? Are you a student struggling to just eat food everyday because of this pandemic? That {$33.00} represents a weeks worth of groceries for me, I bet you're not a starving student, are you? I bet you never been poor and food insecure yet First Tech claims to help their community and donates to all of these charities when they can't even help their members. First Tech sets these fees, and then try to claim that they charge these fees because their account don't charge a monthly fee, why do other banks and XXXX also not charge fees on their accounts but waive overdraft fees for the pandemic for struggling members and customers? First Tech only cares about profits, they wouldn't care if one of their members that suppose to be considered part of their community starves this week because of this {$33.00} fee, they only care about you if you're profitable to them. I'm not surprised, like the big banks, they see their customers as dollar signs and not real people that suffer. All I'm asking for is the {$33.00} reversed and they can't even do that even though this is the first time it's happening. I had to ask them to close my account as a result of this.
Consumer complaint received 2022-07-07
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: Bread Financial Holdings, Inc. (CA)

Issues with CRA and Furnisher lack of cooperation in the production requested in support of the verified and ACCURATE reporting to the XXXX. Dispute my efforts of disputing directly with furnisher and failed attempts to obtain accurate reporting in trade line seeking your assistance with the enforcement of the violations committed against my consumer rights to accurate, complete, errors free reporting in my credit report. 
I have exhausted all ways of communications with furnisher, no response, giving me the run around. Most recently, exhibits attached spent over an hour on the phone with a representative from Comenity, who forced to provide my full social security # after providing the full account #. Moreover, limited and untrained, unqualified points of contacts located in XXXX and limited information from employees working from home, useless escaltions of my issue with no results. The last written correspondence sent via cert mail, was signed by an employee who is no where under the directory of the company. Last week, contacted XXXX directly and was advised that if the furnisher does not the information then they put X because they can not verified. 
Lack of cooperation from both parties. Both companies operating in concert violating my consumers rights to fair reporting.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (SC)

1. Completed a police report on XX/XX/XXXX 2. Sent a letter certified mail to IC system XX/XX/XXXX for validation of the debit and got no response 3. Active fraud alert is on file with all 3 bureau 's
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

BB & T/Truist sold my mortgage to SunTrust/Truist ( moving money around on their books ) and early in XX/XX/XXXX I was contacted about being in default. I spoke to someone at SunTrust on XX/XX/XXXX. My mortgage is in COVID forbearance. 

On XX/XX/XXXX SunTrust sent me 64 copies of the exact same letter stating I was in default since XX/XX/XXXX. 64 copies seems like harassment so I called them. They couldn't give me a good reason for why 64 copies of the exact same letter were sent on the exact same day. 

Since then, I've continued to get certified letters stating if I did not bring my account current they would begin foreclosure proceedings. 

I'm stressed out by all this garbage ; 64 letters seems excessive but to switch to certified mail threatening foreclosure after I had contacted them and confirmed my mortgage was, in fact, in forbearance has caused mental breakdowns due to stress created by the thought that I may be homeless before the end of XX/XX/XXXX.
Consumer complaint received 2019-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-08-02
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. (MO)

XXXX XXXX equifax XXXX all have failed to do a proper investigation about a bankruptcy on my credit report. Ive tried several attempts and yet no changes have been made. Ive went as far as contacting a bankruptcy court and they said they do not give out information to third party vendors such as credit bureaus.
Consumer complaint received 2022-07-07
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
Consumer complaint received 2022-03-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-03-22
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. (FL)

XXXX XXXX XXXX XXXX Violated my rights on XX/XX/2021. 

They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (AZ)

I have been working with Intercontinental Capital Group ( ICG ) since XX/XX/2021. My family is trying to refinance our home that has an FHA loan. ICG was initially very aggressive with their communication with us, trying to get us locked in with their company before we shopped around. After some discussion, we decided to go with ICG. We were very prompt with them whenever they asked us to return/sign documents ( always returned within a matter of days and/or updated if we needed more time before submitting a document ). 
We have already paid money for this refinance with ICG. 
We were promised an initial closing cost of a couple hundred dollars. In XX/XX/XXXX an ICG rep called us saying we owed {$5000.00}. I told them we did not have that money and that is not what we initially discussed. The rep said that they would call back after discussing with their team. 
We have received no communication since then. We have attempted calls and emails each week with no response. Today when I tried to email, I got an automated message saying that both reps at ICG have blocked incoming emails from my address. 

NMLS : XXXX NMLS : XXXX We just want to refinance our home and be done with this. Please help.
Consumer complaint received 2021-06-15
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: Onity Group Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

My credit score was damaged because of a missed payment and high was caused by a faulty system by Chases ACH debit block. I. Three separate occasions I attempted to add XXXX XXXX XXXX as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, Chase blocked the debit resulting in a missed payment. This missed payment also caused XXXXXXXX XXXX  to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.
Consumer complaint received 2022-07-07
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old XXXX XXXXLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AP)

A new account showed up on my credit report as being opened XX/XX/2019, and placed in collections for the amount of {$170.00}. Says it's XXXX XXXX XXXX, I might have had an account with XXXX XXXX XXXX like over 30 years ago but have been stationed overseas for the last 2 years and have not opened any new account ( s ) with XXXX XXXX XXXX, in fact I don't even know if XXXX XXXX XXXX would even work overseas.