davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (PA)

This company appears to be a debt collector and has 2 entries on my credit report with all XXXX credit agencies ( XXXX, XXXX and experian ). 
1 ) a contract does not exist between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
2 ) if the company disputes, they must provide a contract with my wet ink signature to prove a relationship exists. 
3 ) if no proven contract exist then both entries on my credit reports must be removed immediately. 
4 ) this is causing damage and constitutes identity theft because XXXX XXXX XXXX, Inc.has never been authorized to act on my behalf through any power of attorney. 
5 ) Attached is a formal legal/lawful notice that XXXX XXXX XXXX XXXX XXXX is in breach of copyright. Remove all data from the credit reporting agencies immediately.
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. (VA)

n accordance with the Fair Credit Reporting act 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 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

Opened the account 2 weeks ago. Two ach transfers from old bank to new. Funds frozen after transfer. Called and chatted numerous times with no resolution. Hung up on twice saying I'm not privy to my own account. Truly unprofessional behavior.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

I had a sopite open with CITIBANK XX/XX/XXXX for 4 transactions by the same person. {$110.00}, {$300.00}, {$280.00} and {$50.00}. 

I complained to CFPB about Citibank closing my case due to not having documents when I have transaction verification report proof I sent it. 

I closed my account at CITIBANK due to money being taken out constantly. 

On XX/XX/XXXX I received 3 checks from CITIBANK in the mail : {$110.00}, {$300.00} and {$280.00}. I called the response unit regarding this and they still until this day havent gotten back to me. I called Citibank DISPUTE center regarding this on XX/XX/XXXX to ask if this is PROVISIONAL or PERMNANET because I did not want to cash it if it was provisional. 

On a recorded line XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, it was safe to put it into my bank and that the case was closed. 

On XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, they got the money back from the merchant and the case is closed. I reiterated IS IT SAFE TO CASH OR WILL IT BE TAKEN AWAY? He said no, it is permanent and go ahead and cash. 

So I went ahead and cashed it. 

Today XX/XX/XXXX I received another {$300.00} check in the mail so I called CITIBANK to ask what this is for because I had already received my money and was this for something else ... they couldnt figure it out but told me that the money I got via check that i was told by multiple people that it was PERMANENT not PROVISIONAL ; that it was in fact provisional credit and not permanent ... that my case is still being investigated and the money can be reversed ... 


On recorded lines with CITIBANK DISPUTE, I was told this money was permanent and safe to spend/use and that my case was closed ... 

On a recorded line from MULTIPLE sources I was told the same thing and now its false information ... 

I am very upset and wanting to bring a lawyer into this as I was given misleading information on a recorded line and no one has done anything about it.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

In XXXX of XXXX Citizens Bank used our mortgage payment to purchase homeowners insurance. My agent and I both faxed proof of insurance to Citizens. By the time this was corrected by Citizens it was XXXX of XXXX. In the meantime I continued to make my monthly payment, we have NOT missed any payments. Citizens Bank still has us a month behind on our mortgage from the payment they used in XXXX for insurance. Because of this they are charging late fees and the collections department is calling us weekly. I have just now received another letter from them regarding lack of homeowners insurance. I have had my agent fax them proof of insurance and I have as well. I have called and spoken to a different person every week regarding this. Someone is always going to call me back, no one has ever called. I have left messages for a XXXX XXXX every week since XX/XX/XXXX and she has never returned my call. The only people I can actually talk to are in collections. Once they read the notes on my account they say someone is working on it and will get back to me, As of today no one has called me. There has been no money sent back to me and Citizens has over {$1000.00} sitting in a suspense account that I can see when I check my account on line. I received a letter from XXXX in XXXX stating they had refunded money to me but I have not received anything. THIS IS MY SECOND COMPLAINT! I can not speak to any one at Citizens and am in need of some help. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2021-04-13
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: Experian Information Solutions Inc. (MI)

Sent several certified letters to verify accounts that supposedly belong to them and they came back stating they investigated them but they couldnt have because none of these companies have not sent verification documentation to me. However, they did state they will not investigate anymore after I submitted certified proof. I feel like they have not done their job and violated my rights. The credit company nor the collection companies.
Consumer complaint received 2019-01-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

THIS COMPLAINT IS DIRECTED TO XXXX XXXX XXXX XXXX IT APPEARS ONCE AGAIN THAT A SECOND DEFAULT NOTICE WITH INTENT TO FORCLOSE WAS FILED AT THE COUNTY RECORDERS OFFICE IN VIOLATION OF CALIFORNIA PC 115 WICH STATES ITS FELONIOUS TO KNOWINGLY FILE FRAUDULENT OR FORGED DOCUMENTS AT ANY GOVERNMENT OFFICE. CHASE BANK FALSELY CLAIMS A DEFAULT AMOUNT OF {$27000.00} IS OWED THEM, WHEN IN FACT I DONT OWE THEM A DIME!!! THEY ARE ILLEGALLY ATTEMPTING TO COLLECT ON AN UNAUTHORIZED ACCOUNT, CHASE BANK TO DATE HAS NOT COME CLEAN ON THEIR INVESTIGATION IN VIOLATION OF 15 U S CODE 1692d WICH STATES HARASSMENT OR ABUSE SECTION 1 THE USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION, OR PROPERTY OF ANY PERSON IS A VIOLATION OF SUCH CODE IT ALSO APPLIES TO SECTION 4 THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT IS ALSO A VIOLATION OF SUCH CODE, THEREFORE CHASE BANK IS IN NON COMPLIANCE, THIS ALSO APPLIES TO XXXX XXXX XXXX XXXX. I RECIEVED A EMAIL FROM XXXX XXXX XXXX XXXX ON XX/XX/2018 WICH STATED THEIR FILE ON THE DEFAULT ACTION HAD BEEN CLOSED BECAUSE THE DEFAULT WAS CURED SO WHAT EXACTLY IS THE STATUS TO DATE? I HAVE RECIEVED NOTICE THAT MY HOME HAS A SALE DATE OF XXXX XXXX! IS THIS A SICK JOKE? IS MY HOME UP FOR SALE? BECAUSE IF IT IS I DEMAND YOUR AGENCY TO CEASE AND DESIST AND TO CANCEL THE ILLEGAL SALE OF MY HOME .CHASE BANK HAS NOT VALIDATED THE DEBT IN VIOLATION OF SECTION 809 VALIDATION OF DEBTS.CHASE BANK CAN NOT VALIDATE THE DEBT AS IT HAS ALREADY BEEN ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION, THAT A FORGERY OCCURED, A FRAUDULENT GRANT DEED WAS CREATED TO FACILITATE THE ISSUING OF THE ILLEGAL LOAN OBTAINED BY USE OF A FRAUDULENT TRUST DEED. WICH MEANS CHASE BANK IS ENGAGING IN A TRUST DEED SCAM ILLEGALLY USING MY HOME AS COLLATERAL WITH INTENT TO STEAL MY HOME OUTRIGHT A CRIMINAL ACT OF GRAND LARCENY BECAUSE OF THE VALUE OF MY HOME. ONE CRIMINAL ACT DOES NOT JUSTIFY ANOTHER SO I SUGGEST XXXX XXXX XXXX XXXX ASK CHASE BANK INVESTIGATORS WHY THEY REFUSE TO CONTACT LAW ENFORCEMENT OFFICIALS ON THIS MATTER AS THE REGULATIONS AND LAWS APPLY TO THEIR AGENCY AS WELL. AND THEY CAN ALSO ASK CHASE INVESTIGATORS WHY THEY REFUSE TO PURSUE THE 2 CRIMINALS WHO TOOK OUT THE ILLEGAL LOAN IN THE FIRST PLACE!
Consumer complaint received 2022-03-04
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. (DE)

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-08-19
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. (AL)

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Adjustment Company Incorporated (TX)

A debt collection company has reported inaccurate information to XXXX  and XXXX  has not removed it. -- A couple of months ago, I noticed my credit score suddenly took a big drop and I investigated and discovered a company called Consumer Adjustment Company ( CAC ) had filed a collection on me saying I had opened an account with them in XXXX of XXXX, which I had not. I filed a dispute with XXXX  to remove the inaccurate information and XXXX just closed the dispute ( # XXXX ) without any changes being made to my file.

Since the inaccurate information is still on my file, I contacted CAC directly and the representative acknowledged that in fact I had NOT  opened an account with them in XXXX of XXXX but that they had purchased an old debt on me in XXXX of XXXX. The debt they purchased was opened in XXXX of XXXX and the last activity on it was in XXXX of XXXX. ( Allegedly, I had taken out a {$500.00} payday loan and made one payment on it in XXXX. ) I reminded the CAC representative that even IF that was my debt, it has been over 7 years from the last activity and it should not be reported on my credit reports. The representative said no, that the debt was started with  them in XXXX of XXXX. 
I called XXXX  and asked them to remove the inaccurate information but they said there was nothing they could do about it since CAC says it is correct.
Consumer complaint received 2022-03-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One Auto Finance claims that I owe them money for a car loan that I never applied for. I have disputed this issue several times. I also asked them to send me verification of this debt. I have not received anything. The address they have on file is not my address. I have never lived at the address they claim to have.
Consumer complaint received 2019-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (CO)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CONNS CREDIT CO The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, TX XXXX I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was mailed out XX/XX/XXXX, and was not able to be delivered due to them reporting the wrong address on the reports, again, a violation of the FCRA and FDCPA. 

I have just had the envelope returned to me, as it says it is an invalid address. This IS the address that Conns Credit was reporting on the credit reports, which in itself, is a violation of the FCRA and the FDCPA as they are reporting inaccurate info on my reports, not to mention the debt itself. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. Since they are reporting inaccurate info on the reports, it has now made it impossible for me to use my rights under the FCRA and FDCPA to get validation on this account, and makes it impossible for them to validate it within those 30 days as I mailed it to the address that they inaccurately put on the reports. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Conns Credit Co have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
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: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

Got notice of added address from XXXX tried to dispute on line and message said to call I called on XX/XX/XXXX am and the woman said I had to contact portfolio recovery for them to remove it which if call them starts the clock on the account again so they are trapping me into calling them to remove the adress.The address belongs to a RV resort in port XXXX Florida. So this is a trap by portfolio recovery to call them for a debt I have been disputing since XXXX when I had XXXX XXXX XXXX. The continue to call few times a week even with different numbers how I know. They call with portfolio recovery number never leave a message and call back right away with a different number.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NC)

On XX/XX/XXXX I went to the teller to withdraw some funds and wasnt able to withdraw the funds. It state it wasnt enough funds to complete the request. I called cash app explained everything to them. I stated that I couldnt withdraw nor could I transfer the funds into my banking account. No one could tell me why. I never receive a notice stating anything about my cash app before or after I reported I could use my card. I have called everyday since XX/XX/XXXX. Today is XX/XX/XXXX and I still have no idea as to why they are holding my funds. I ask for a number to file a complaint with the company no one is willing to give me the number. They stated that they had to file the complaint for me. I ask to speak to a supervisor and they state a supervisor is not available or they just hang up on me. I am out of option and dont know where to turn to get help with this issue. If there was an issue with my cash app they continued to allow me to receive funds in my account. They allowed my account to get up to XXXX. Just yesterday XX/XX/XXXX they denied a deposit of XXXX from XXXX XXXX XXXX stating it being fraud.
Consumer complaint received 2024-03-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

I have XXXX fixed low interest loan and XXXX short term special no interest for XXXX months. I have twice made extra payments to the special purchase transaction so that they would be paid off before the 31.99 % interest kicks in. Both times they have applied my payment to the fixed low interest loan. I have called Lowes Synchrony many times to fix this and each time they tell me it will be fixed within XXXX hours. They have it in all their notes that they have made a mistake but it is still not fixed
Consumer complaint received 2023-01-26
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. (PA)

This company appears to be a debt collector and has 2 entries on my credit report with all 3 credit agencies ( transunion, XXXX and XXXX ). 
1 ) a contract does not exist between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
2 ) if the company disputes, they must provide a contract with my wet ink signature to prove a relationship exists. 
3 ) if no proven contract exist then both entries on my credit reports must be removed immediately. 
4 ) this is causing damage and constitutes identity theft because XXXX XXXX XXXX, Inc.has never been authorized to act on my behalf through any power of attorney. 
5 ) Attached is a formal legal/lawful notice that XXXX XXXX XXXX XXXX XXXX. is in breach of copyright. Remove all data from the credit reporting agencies immediately.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I requested credit bureau multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA.

They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. 

Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.
Consumer complaint received 2022-08-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have been requesting that all three credit bureaus fix inaccurate information across my credit reports for months since XXXX XXXX and they said that these accounts was verified as accurate how can this be if all the reports are difference in there reporting.I have given the the chance to do there job.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading 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 dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681 . I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.