davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (MS)

I was joint owner on certain loans with my ex wife going thru a divorce. I have court ordered documents, bank records, etc that clearly state I am to be cleared from the delinquent notices that appear on my portion of history because I had my money taken from me by my ex wife transferred to an account in which I could not be granted access to acquiring my portion to be able to pay the loans. And it was ordered by a judge in court my responsible portions. And the mortgage lender is not accepting anything I am sending them to clear me of the harm its caused.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

Inaccurate reportings of my payment history for my Citi XXXX XXXX Card. 1st it had XX/XX/XXXX showing a late payment, then it changed to XX/XX/XXXX and now it changed to XX/XX/XXXX. There is an inconsistent change happening here and I have the evidence to prove it. All 3 bureaus do not match and are reporting inaccurate information. Also not to mention I've made payments since XXXX of XXXX when my account was opened and wasn't being reported to the bureaus for the payments i've made. Yet again the reportings for all 3 bureaus are not matching.
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions (AL)

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. ( holloway collection services ) I do not recall giving permission to XXXX XXXX center for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof. There was no valid original documentation and no receipt from USPS of any correspondence. Therefore further measures will be enforced up to and including contacting the XXXX  and Attorney general to resolve this matter.
Consumer complaint received 2018-10-22
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: EQUIFAX, INC. (NY)

Submitted dispute to Equifax in regards to a XXXX credit card account which I never owned in my life to be investigated and removed in XX/XX/2018. They have never updated the status from reinvestigation in progress and have never given me any final determination of the status or results. Ive been waiting since XX/XX/2018.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

RE : XXXX XXXX XXXX XXXX Account XXXX XXXX Social Security Number : XXXX I believe the information on the consumer report is reporting inaccurately. 
Please verify this information is reporting accurately. Verify the date account was opened, balance, and my payment history.

Can you verify the date of first delinquency?

Im requesting the results of your reinvestigation in accordance with 15 U.S.Code 1681i ( a ) ( 1 ) ( A ) and a copy of my credit file. Please forward all correspondence regarding this matter to the address stated above.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a 609 letter to TransUnion asking for original documentation of verification of 4 items on my credit report. This letter was mailed via certified mail with tracking on XX/XX/2022. The letter was received on XX/XX/2022. ( Mail receipt tracking number through XXXX is XXXX ). 

On XX/XX/XXXX, I received a response from TransUnion, which they issued on XX/XX/2022 saying that their investigation results prove that all information is accurate for all four accounts I inquired. They did not include any original documentation, they did not include any description of procedure used to determine accuracy and completeness of investigation. They did not include any names, address or phone numbers of persons contacted regarding each account to verify information, and no other original forms, with or without signature, were presented to verify their investigation. 

On XX/XX/2022 I responded to TransUnion with another letter, asking for proof and method of investigation, asking for the documentation listed above. This letter was received by TransUnion on XX/XX/2022 via certified mail XXXX tracking number XXXX. I also asked that if they were not able to provide proof within 15 days, in compliance with my rights with the FCRA, that these 4 items be deleted off my account immediately. 

On XX/XX/XXXX I received a letter from TransUnion stating " Our records show that we previously completed an investigation of the below items, and the data furnishers verified the information on your credit file. '' There was no further documentation proving the method of investigation, or any original documentation to back their investigation findings. 

According to the FCRA, TransUnion is in negligent non-compliance with the FCRA, and are required to delete the four items which they were not able to show proper verification on. They are refusing to show proper verification, and are refusing to delete these items.
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (MI)

The car was repossessed after I spoke to someone in XXXX of XXXX after I lost my job. I was reassured that if I made a payment, I would be fine so I went ahead and made a payment and a few days later, my car was repossessed. They told me in order to get it back, I would have to pay the full {$23000.00} for the vehicle. They then sold it in an auction for {$11000.00} and now requesting that I pay the remaining balance of the vehicle. This is preventing me from getting another vehicle and ultimately am being denied everywhere for everything.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : XXXX XXXX XXXX XXXX Account XXXX XXXX Social Security Number : XXXX I believe the information on the consumer report is reporting inaccurately. 
Please verify this information is reporting accurately. Verify the date account was opened, balance, and my payment history. 

Can you verify the date of first delinquency? 
Im requesting the results of your reinvestigation in accordance with 15 U.S.Code 1681i ( a ) ( 1 ) ( A ) and a copy of my credit file. Please forward all correspondence regarding this matter to the address stated above.
Consumer complaint received 2022-03-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION (TX)

Check and Go XXXX XXXX XXXX, XXXX, TX XXXX Employee : XXXX XXXX Called and first thing he asked for was my DOB to verify identity. I asked him why and he did not give details, but insisted for the DOB and then I found out it was for a payday loan he was trying to get approved. I did not apply for a loan. I have a security freeze on my account. The caller said I do not have a security freeze listed on my social, but I know this is incorrect. 

I also checked my credit report and see this company pulled my credit without my consent. 

This could be a fraud scheme to get my identity in order to get a loan under my name without my consent. It was a very suspicious call.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lazega & Johanson LLC (GA)

XX/XX/XXXX - I accumulated a debt with my HOA. This Attorney firm negotiated a settlement and I paid it in full. The agreement was they would remove the liens that they placed on my home. They did not remove all of the liens until XX/XX/XXXX. This was after months and weeks of being ignored and my requests went on without action. This caused me stress and a higher interest rate on my refinance. 

XX/XX/XXXX - I found 4 unexplained charges on my account. I advised the HOA I would pay the account in full but not until these charges were fully corrected as they were for payment processing charges. I did not make any payments so therefore how am I being charged for a payment processing? I also advised them that I would not be making any payments until the liens were removed from my home for a debt that had been paid off well over a year prior. 

XX/XX/XXXX, XXXX XXXX and XXXX reached out to via letter. They back dated the letter and provided a certified mail number on the letter for XX/XX/XXXX. Stating that I had a balance of {$5000.00}. I disputed this amount as it is NOT accurate. according to my records I owe them {$4500.00}. 

Today XXXX XX/XX/XXXX They sent and email that they have forwarded to my mortgage company stating that I owe them {$7100.00}. They added additional attorney fees and worded the totals make it justifyable based on my HOA contract. It is also my understanding they have placed a LIEN on my home. 

This is a violation of my rights under the fair debt collection practices act. They did not provide me with 30 days to validate the debt. They did not send a letter or certified mail. I have a copy of the letter receipt notice from the USPS. I do not owe this amount. This group identified themselves as a collection agency. Therefore they must act according to the law and not dismiss my rights as a consumer. Additionally, when I paid the account off. They should have removed the liens off my property as they had no legal right to leave them on my property. Last, I have taken every measure that I can think of to have the correct balance paid in full. I have been ignored, gaslighted and toyed with over a serious matter. I am seeking help and any punitive damages possible to compensate for this unlawful group of collectors. It is not right to take advantage of consumers just because they can.
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof.
Consumer complaint received 2022-03-11
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. (DC)

I have made this complaint numerous times with no results. I have provided the necessary documents to have these accounts removed and yet they still persist. Please review all attached information and act accordingly as required by law. These accounts are hindering my ability to obtain new employment and a place to live.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

The 3 credit reporting agencies are still reporting a account that was opened in XXXX with XXXX XXXX and closed /discharged in XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XXXX and reporting it as opened in XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.
Consumer complaint received 2022-03-11
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. (DC)

I have made this complaint numerous times with no results. I have provided the necessary documents to have these accounts removed and yet they still persist. Please review all attached information and act accordingly as required by law. These accounts are hindering my ability to obtain new employment and a place to live.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

XXXX XXXX engaged in an act of consumer fraud, attempting to sell my wife and I services on the basis of information that was not factual. When I attempted to reconcile the issue with XXXX, I was repeatedly told the issue was resolved when in fact it was not. I informed them to cease all activity on my account. They suspended my ( the owner 's line ) and my wifes lines, but kept the bill going for 3 phones under my XXXX XXXX XXXX daughters name. How this is legal I have yet to understand. 

In the end, I submitted a complaint with the Delaware State Attorney General 's Office regarding the fraudulent business practices while deciding whether to pursue holding the company accountable in Arbitration or Small Claims. 

XXXX continued to send me bills of varied amounts. It then appeared that XXXX XXXX turned the account over to a collection entity. With so many different numbers being presented to me, the fact that the company repeatedly lied, and not knowing the details of their claim I submitted notification that I was disputing the debt and requested detailed information regarding it. 

The debt verification letter was written on XX/XX/XXXX and mailed on XX/XX/XXXX via USPS Priority Mail with Tracking. According to USPS the letter was Delivered, Individual Picked Up at Postal Facility  XXXX XXXX ( see attachment ). To date, over 2 months later, I have received no reply to my request for verification. 
XXXX XXXX failed to provide debt verification. I am taking this to small claims and continuing to pursue action with other regulatory agencies. I learned today that there has been an amount of {$1100.00} posted to a major credit bureau claiming this was a collections account. XXXX billed for services not rendered. XXXX engaged in deceptive business practice. XXXX FAILED TO RESPOND TO MY REQUEST FOR VERIFICATION.
Consumer complaint received 2019-05-07
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. (MO)

There's unknown accounts on my report inwhich is unknown to me. These accounts has to belong to someone with a similar name to mines, and the fact that I'm a XXXX this could be the possible reason for the mistake. Or although it has no association to me whatsoever. So with all respect I'm demanding that these frivolous fraudulently accounts be taking off my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 )  XXXX XXXX {$230.00}
Consumer complaint received 2018-10-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

As a preferred customer with Bank of America, my husband and I receive a lot of offers to do more business with Bank of America. One day when I was in the bank, one of the staff informed me of a special they were having on HELOC loans, so I sat down to discuss. Prior to applying, I told the bank rep that we had filed for bankruptcy 5 years ago, and asked if this was disqualifying. I was told it was not. I was asked what was the value of our home and how much we still owe. I said we owe {$860000.00} and the value was probably about $ XXXX. I was told that looks fine, so I went ahead and applied. I told the rep we were looking to get a HELOC for $ XXXX XXXX The initial application was a simply two page document. Afterwards, I was contacted by BOA and asked to supply every single piece of financial data on myself, my husband and his business - tax returns, W2s, pay stubs, acct statements, profit/loss statement, etc. Once they had all of my financial information, and had pulled and dinged my credit, I was told BOA only gives HELOCs up to 75 % of value for jumbo loans, meaning we would only be eligible for a loan of less than {$100000.00}, which didn't serve my needs. Next we were told that the loan was denied. When we spoke to a rep on the phone, he specifically requested to speak with my husband and said the loan was denied because of my lower credit score, but that BOA would be willing to approve a HELOC application only in my husband 's name. The formal denial letters sent separately to me and my husband also stated difference reasons for the denial. My letter stated the reason as " Bankruptcy on file ''. This is problematic because if bankruptcy were grounds for denying the loan, it should have applied to my husband as well. In addition, the BOA rep knew we had filed for bankruptcy before I applied for the loan and before BOA collected all of our financial data. 
In addition, on what grounds can BOA offer my husband a HELOC based on a secured property that we jointly own? He gets all the benefit of the HELOC and yet I share half the risk. Surely, this is against regulation, and it is discriminatory again women in a marital relationship. 
We filed for bankruptcy because of a failed investment debt of my husband 's. It was his debt that was XXXX, not our home nor our vehicles. I am required to share in his debt, however, financial institutions can consider us differently after the bankruptcy given his very high income and my average income. This is discriminatory and gender biased.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The 3 credit reporting agencies are still reporting a account that was opened in XX/XX/XXXX with XXXX XXXX and closed /discharged in XX/XX/XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XX/XX/XXXX and reporting it as opened in XX/XX/XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (MD)

On Monday XX/XX/2019 around XXXX XXXX I received a phone call from a debt collector. The representative identified herself as XXXX from the XXXX XXXX XXXX XXXX. She advised me that the call was being recorded and that this debt will be sent to an attorney. In which I was a bit confused but however I continued with the conversation. She went on to explain about my debt with Citibank/Home Depot of XXXX and some odd dollars. Ms. XXXX then asked what could be done to clear this debt. I explained to her that at this moment I couldnt contribute anything toward this debt. However I did reach out to Citibank about a month of some ago to settle out this debt but was told that it was already charged off and sold to another company. Therefore the money I had was place on another debt account. But I will start working on paying this debt off next month. I explained that my income was limited due to a injury I sustained in an accident last year. This representative then started to get personal with asking me questions concerning what purchases did I make with this credit card? Have I been clear by my doctor, why I stopped paying this bill and so on. I began to get a bit frustrated and asked her why are you asking me these personal questions. She then stated because she was asking to get to know a little more about myself. I then told her that the questions she was asking have nothing to do with collecting money for this debt. She then went on stating that she was going to reach out to her supervisor to see what options that would be available for me to settle this debt. So I agreed to hold the line to explore my options. I was placed on hold for several minutes and then a male identified himself as XXXX supervisor. He went to asks why did I stop making payments on this debt. How can I make payments with other creditors and not make a payment on this debt. This debt isnt a priority to be paid because he have my credit report in front of him. That he can seen Im paying on other account but not this Citibank account. I explained to him that thats none of his concerns about what Im doing with my money. He then wanted to know why I was upset with the line of questions that were asked. I explained to him why, and that I feel as though that I feel like a victim of harassment. Also acknowledge that I was very patient with these two individual that question me for over eighteen minutes about a debt that I explained to them both that I was going to pay. I was extremely upset and ended the conversation immediately. Unfortunately, at that point I didnt find the need to continue on with this conversation. Because this matter couldnt be financially address until next month as I explained from the beginning of the conversation. I am very disappointed and upset with how I was treated by the individual that represent this company. Especially during this critical time of experiencing this financial hardship.