davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX, the following accounts/creditors : Accounts : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries : 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX have 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 2019-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (GA)

this account was closed due to a major discrepincey with the provider after i lost my phone i was not allowed to file an insurance claim and was told to pay for a completely new device the ceo was contacted and the account was closed now a third party has the account and ive made arrangements directly with XXXX to have this discharged the third party when dealt with can not provide proper debt validation and therefore is in violation of policy of the fcra
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

What a joke, CFPB does not help consumer at all. This is the 3rd time i have opened complaint about this issue and nothing is getting resolved. They allow the company to just close it with XXXX  documentation this is false. 

Dispute Details *Closed a case without it being resolved & charged me the incorrect $ amount *CC is not re-charging me for $ I already paid, Dispute Date XXXX  Dispute Amount {$9800.00} Dispute ID XXXX Related- They just keep closing this without resolving the issue. so this is the 3rd ticket for the same issue. They don't even to bother calling me once or reaching out. Just sticking with a {$9000.00} bill. I can't wait to i switch CC providers this is the worse experiences of my life. 

XXXX CITIBANK , N.A . CITIBANK INTERNATIONAL BANKING FACI XX/XX/XXXX Closed XXXX CITIBANK , N.A . CITIBANK INTERNATIONAL BANKING FACI XX/XX/XXXX Closed
Consumer complaint received 2019-04-11
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. (AL)

I noticed a few issues with the bankruptcy on my credit report. I contacted the bankruptcy court that was listed on my credit reports by mail. 
The bankruptcy court ( letter attached ) responded they did not furnish the data or verify bankruptcy with the credit bureaus. 

I asked the XXXX, XXXX and Transunion to please provide the documentation and a description of the procedure used to determine the accuracy and completeness of the information. This must include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher. 

Please note, a third party furnisher of information, such as PACER, XXXX XXXX or an alleged creditor does not meet the standards set by the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ). Only the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third party proof according to the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ) The credit bureaus all responded that the debt was verified, although the bankruptcy court replied they did not verify anything.
Consumer complaint received 2023-08-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (ID)

We closed on our house at XXXX XXXX XXXX in XXXX, Idaho, XXXX. We finally got our settlement statement. We moved to our property at XXXX XXXX XXXX, XXXX XXXX, Idaho XXXX. They sent it to our document dated XX/XX/XXXX, that we received today ( XX/XX/XXXX ). The loan was through XXXX XXXX XXXX XXXX. The loan was serviced by Dovenmuehle Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ill. XXXX. Phone XXXX. We paid off the XXXX XXXX XXXX   property XX/XX/XXXX ( when we mailed the check ) that is serviced through XXXX XXXX XXXX XXXX, serviced by Dovenmuehle Mortgage ( same as above ). We have yet to receive that payoff statement. I am sure it will be sent to the XXXX XXXX address. We have called, sent in forms to get the address updated, etc. To no avail. This is important sensitive documents that I need to be finalized and in my possession. There is no reason that this huge time delay pushes me around.
Consumer complaint received 2019-09-19
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: EQUIFAX, INC. (IL)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX. The credit agency XXXX, XXXX   and Equifax have not verified my dispute and refused to remove the Bnackruptcy from my report.
Consumer complaint received 2019-04-11
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. (CA)

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. For yet another time, My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX XXXX, Account Number XXXXXXXXXXXXX, Date Opened XX/XX/XXXX XXXX   XXXX, Account Number XXXXXXXXXXXXXX, Balance {$10000.00}, Date Opened XX/XX/XXXX XXXX XXXX, Account Number XXXXXXXXXXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX, Account Number XXXXXXXXXXX, Date OpenedXX/XX/XXXX I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Consumer complaint received 2019-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

On Friday, XX/XX/XXXX a payment of {$840.00} was removed from my escrow for a Hazard House Insurance Policy for annual coverage from XX/XX/XXXX through XX/XX/XXXX. On Thursday, XX/XX/XXXX, a payment of {$1300.00} was removed from my escrow account for an annual Flood Insurance Policy for coverage from XX/XX/XXXX through XX/XX/XXXX. On Thursday, XX/XX/XXXX a payment of {$1900.00} was paid to the same flood company for a second flood payment that I was not informed about. I went to the bank on Wednesday, XX/XX/XXXX to inquire and was told that another bank, which I had an Equity Line of Credit ( {$16000.00} ), requested this additional insurance. I requested to cancel it because Double coverage is illegal, although I was forced to pay it for the last 5 years and was told because they had no fax number for the bank that implemented this flood insurance, they couldn't cancel it. However, they stated if I payed {$4000.00}  my account would be back in good standing. I have paid into this house for 25 years on a 30 year mortgage and the game playing between the two banks and the Insurance Company is a bit too obvious that they are intentionally depleting my escrow, forcing astronomical flood pricing to bully me to refinance or have me removed from my home.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

XXXX XXXX XXXX is the current Servicer of my mortgage. I purchased my home in XXXX for {$350000.00}. I put {$270000.00} down with a mortgage of {$80000.00}. 

I have refinanced it to meet my divorce obligations. 

The last refinance was with XXXX. It was given to Bank XXXX XXXX I learned last week in XXXX. 

I was on a Trial Period of XXXX with Bank XXXX XXXX They refused to modify the mortgage and added {$200000.00} to my principle while XXXX had added approximately {$50000.00} to the principal balance. 
I received a package from XXXX stating that they were Servicing my loan. They ignored my 18 months of mortgage payments and added another {$360000.00} to my principal balance as a balloon mortgage that would become payable in 30years. 

XXXX told me in XXXX that if I didn't sign their mortgage modification that they would foreclose on my home. 

I believed them because there were many Foreclosures going on. 

I was unable to pay my mortgage in XX/XX/XXXX and just recently started a new job. 

Approximately 3 weeks ago I learned that I was being foreclosed upon. I was terribly perplexed because on XX/XX/XXXX, the date on the letter, stated that I should contact them. 

I contacted them to find out my options. Surely I was afraid to modify my loan again because they might have added a couple more hundred thousands to my principal balance. I asked for a reinstatement balance I just received it yesterday. 
Meanwhile, they are trying to foreclose on my home and trying to lie about owing interest in land that I purchased besides my home. 
They have no interest in it at all. My Title states that they don't. 
The Mortgage doesn't even State the metes and bounds. 

Quite frankly, this mortgage has kept me uneasy for years. A quiet killer. I could not obtain credit to maintain my home or even get a parent plus loan for my daughters college tuition. It has caused us great harm and embarrassment. How can Banks and Mortgage Companies continue to be allowed to take tremendous advantage of their customers like this. This is extreme predatory lending practices. Also, for them to try to foreclose on property that they have no legal interest adds to the injury. I have to retain an Attorney to try to stop the madness. To have a Bank enter a Judgement of default when they didn't even properly service me is a travesty. I need your help. The people of this Country deserve better. I could be homeless and actually should be nearly finished paying for my home. 
The legal proceedings in XXXX XXXX, New Jersey should be halted. I shouldn't have to incur legal fees for their abusive behavior.
Consumer complaint received 2019-04-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F&M Capital LLC (NC)

Received a from a blocked number on XX/XX/2019 at XXXX XXXX caller left a message on my voicemail. Transcription of the message : Good morning this message is intended to reach out to XXXX XXXX XXXX my name is XXXX contact you on behalf of FM capital reaching out to you today in regards to a pending complaint in your name and Social Security number before any decisions or recommendations are rendered we do proceed forward we're looking to get in touch with either you directly or your legal counsel a statement can be provided by contacting XXXX we will be notifying the appropriate parties as to whether not he's contacted and cooperating on a voluntary basis this call has been documented and recorded thank you and have a good day My mother XXXX XXXX received a call immediately after this message was left on my voicemail. The person identified herself as XXXX with FM Capital My mother asked what this was pertaining to and XXXX responded " Bad Checks across state lines '' This is a clear violation of the FDCPA Section XXXX. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 )  identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; and 805 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the  express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

This complaint is against XXXX XXXX. I have multiple accounts with them and they have lowered all of my credit limits. 
I havent had any 30 Day lates with them and they have done this.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP, LLC (KY)

On XX/XX/XXXX I requested payment to be made to my XXXX XXXX via the Bill Pay feature with Global Cash Card. XXXX XXXX stated they've never received the payment, thus causing overdraft and past due fees to be charged to my XXXX XXXX. 

I have made four phone calls to Global Cash Card asking for a copy of the paper check they stated they issued to XXXX XXXX so I can show proof it was received and cashed. Each time the representative fails to understand what is needed. Requests to escalate to a manager is ignored. I have been hung up on, placed on hold and no one returned and my last call I was told they can not provide me with any proof the payment has cleared. 

XXXX XXXX can not locate the payment. GCC refuses to provide me proof. My hands are tied and I have a sinking feeling GCC did not issue the payment, yet took the funds from my account, with in my opinion is theft. 

Payment was {$200.00} requested on XX/XX/XXXX, GCC 's confirmation # is XXXX, status reporting as cleared. 

I am at a brick wall and need assistance because I can not afford to lose {$200.00}
Consumer complaint received 2019-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC (GA)

I took out two personal loans from XXXX XXXX to help my small business in XX/XX/XXXX. We were paying on time every payment, but my company had a big down turn in last 90 days that we are unable to recover from. We are currently meeting with bankruptcy lawyers and they have advised us to ask the company to stop calling us. They have been calling 4-10 times per day. I requested that they stop calling on XX/XX/XXXX on multiple occasions and they still call, text and email many times per day. We are trying to figure out our options and told them that when they called. They still continue to harass us.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I had attempted to purchase a XXXX XXXX XXXX   from a web site. I provided the merchant with my Capital One credit card and the charge appeared as a XXXX charge XXXX for {$99.00} After the item did not arrive for two weeks, I decided to track the package using the link provided by the merchant. I found out that the merchant had requested the package back, after it bounced to multiple destinations for 2 weeks. None of the destinations was my address, and I never received the package I e-mailed the merchant about this and notified that I never received the item. The merchant promised to reimburse me in full for the item in writing. I did some research on this merchant, and I found a web-site dedicated to scammer on the internet where I found people writing about purchasing from the same merchant and never receiving the item, and merchant just charging the credit card.

I never got reimbursed, so when I called Capital One in XX/XX/XXXXand spoke with a representative, I was transferred to the fraud department to tell whole story. Capital One had opened a fraud claim about this.

As a result, I got a reimbursement by Capital One for {$99.00}.

After few weeks, Capital One charged me {$99.00} again for this item. I called the fraud department again. The representative explained that the merchant provided them with an on-line confirmation about the purchase. They had advised to access the claim online and upload all correspondence between the merchant and myself, including the e-mail confirming the merchant promising to return the money.

I followed all the instructions and uploaded all documents Capital One went ahead and reimbursed me {$99.00} in XX/XX/XXXX.

In 2 weeks, however, Capital One placed {$99.00} charge again.

I called again ( around XX/XX/XXXX ), and spoke with a customer representative regarding this. He had explained to me that he will create another claim. He informed me that the previous claim was incorrectly created as a fraud claim, and that the fraud department concluded that it was not fraud in the end.

He had explained to me that the new {$99.00} charge does not need to be paid and new documents would be sent to my mailing address to dispute the latest {$99.00} charge.

After 6 months of going back and forth, I learned that the charge is still there, with a an additional interest charges and a {$25.00} fee for a late payment. I never received any documents to be filled out about the new claim.
Consumer complaint received 2019-04-11
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. (CA)

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$6700.00} XXXX XXXX Opened Date XX/XX/XXXX, Balance {$65.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (MD)

Monterey Collection is handling an account that I had with XXXX. I do have a balance with XXXX but not the balance they are reporting. Also, they are reporting the wrong account open date. I have disputed this information with the three major credit bureaus and with Monterey Collection and they have not fixed it to this day. I would like for them to show correct documents of when I open this account or remove it from my report. When I open the account it was in XXXX. They are saying I open it in XXXX. They are reporting incorrect information.
Consumer complaint received 2023-08-17
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. (IA)

I have sent them several letters stating that my information was reported to the bureaus and under federal laws they didn't have written permission to use my personal information on the reports. They were handwritten letters and i received a letter back stating that it wasn't from me and was from a firm that fixes credit, which wasn't true.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have checking account with XXXX XXXX XXXX, in XX/XX/XXXX & XX/XX/2017 there were few ACH debit transactions which I disputed because I did not authorize those transactions. Those banks which did debit I dont have account with them & when I contacted them they told me that they dont see any account under my name, so they recommended me that I need to file dispute with my XXXX XXXX XXXX which I did.

Capital One refunded money on my account but its been more than 3 months they put a hold my account & I cant access my funds.