davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX, XXXX BANK Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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 2019-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (MD)

I always paid my card on time and my credit limit was decreased. I was never late on payments. I received a letter stating that my credit limit was decreased from {$4000.00} to {$2500.00}. This also severely impacted my credit score. 

This was with Barclay ( XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-04-02
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. (NY)

To whom it may consern : I have been victim of identity theft, an account is showing in my credit report that does not belong to me, I'm taking the steps available to me to remove this account from my credit .An FTC report had been filed, ID, SS card and a bank statement are attached to this complaint. 
Please remove this fraudulent account from my credit report. 
Thank you.
Consumer complaint received 2019-04-02
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: EQUIFAX, INC. (NY)

To whom it may consern : I have been victim of identity theft, an account is showing in my credit report that does not belong to me, I'm taking the steps available to me to remove this account from my credit .An FTC report had been filed, ID, SS card and a bank statement are attached to this complaint. 
Please remove this fraudulent account from my credit report. 
Thank you.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

Chase Bank closed my account on XX/XX/XXXX, but did not notify me. I only found out on XX/XX/XXXX when I went to use my card. I also tried to retrieve my money from my account as I, like many Americans, have bills to pay. Chase denied me access from getting my money even though the representative AND the teller in the bank informed me that I could have my money and they would not withhold it.
Consumer complaint received 2019-04-02
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: Experian Information Solutions Inc. (NY)

To whom it may consern : I have been victim of identity theft, an account is showing in my credit report that does not belong to me, I'm taking the steps available to me to remove this account from my credit .An FTC report had been filed, ID, SS card and a bank statement are attached to this complaint. 
Please remove this fraudulent account from my credit report. 
Thank you.
Consumer complaint received 2018-03-28
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: TD BANK US HOLDING COMPANY (CA)

XXXX 's client XXXX XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. While those applications were not successful the inquires from the applications were made into his credit reports. A formal dispute of those applications and inquiries were submitted however no confirmation of deletion of those inquiries has been received from one bank. TD Bank has failed to comply with FCRA law and has not replied to the victim with regard to removing the inquiry from the credit reports.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with EXPERIAN. Upon reviewing my credit report dated XX/XX/2024, I discovered a derogatory entry that I was previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Consumer complaint received 2019-04-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recover, LLC (GA)

In 2012 I moved away from a property called XXXX at XXXX XXXX locates in XXXX XXXX Ga. I was asked to give them a 30 day notice in which I submitted. The complex was very dangerous and my children and I feared for our lives. I explained this to them. There were break-ins, robberies and mugging. Definitely shooting every night. This was not and environment thats I wanted to raise my children in. So we moved away. When I saw my credit report I noticed they had charged me XXXX for what reason I do not know. However I do not owe them anything. Please erase this from my credit. I have tried several times to do so.
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IN)

I received a notice to answer interrogatories sent by employer. Midland Funding LLC placed a default judgement against me for failing to appear. I never got any notice of this action or it would have been disputed immediately. I went directly to the court house and copied every page in my file. It appears that they have illegally filed default judgements that I was not notified about. I researched this company and the assignees. All of them are defendants to the 42 state law suits filed by FDIC. Reference {$6.00} Million dollar settlement agreement Encore capital group, Midland Funding LLC, Midland Credit Management, XXXX XXXX XXXX XXXX. Improper service, lack of service, affidavit robo signing and much more. I have proof of robo signing in my file. Unsigned affidavits with exact duplicate hand writing that says White House. My neighbors also have white houses. 2 of the affidavits each from different years have White House boldly hand written across the affidavit. My house as addressed was brown This is a provable fact. My husband and I bought the house in XXXX and it had green asphalt siding on it. We installed new brown siding on the house in XXXX and I have pictures of us installing it. It is still the same siding today. The files have absolutely no validating information to verify these debts belong to me, no justification of amounts owed, no original documents pertaining to me, no documentation stating I have any obligations to Midland or anyone else, no timetable of defaults time barring or otherwise. I researched several years of law suits for the exact under handed activities I see happening in my case. I want these fraudulent judgements and impending garnishment vacated and them to cease and desist any further illegal actions against me. The law suits identify several violations including : Encore Capital Group , Inc and its subsidiaries, Midland Funding LLC, Midland Credit Management , Inc were charged for using illegal tactics to collect unverified debts. The settlement resolves a multistate investigation into debt-buying companys collection and litigation practices, including claims that Midland robo-signed and filed affidavits containing unverified and potentially inaccurate information to support debt collection lawsuits against consumers.. The settlement provides debt relief to hundreds of consumers and requires Midland to reform its practices. The lawsuits state Midland violated federal and state laws, including the federal Fair Debt Collections Act. A copy of the settlement agreement is available at : XXXX : XXXX
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (CA)

Received letter ( attached ) marked " XXXX - XXXX '' on XX/XX/23. Called to complain. Waited a lot. Told me they can not connect me to someone who can help. They had no record of the letter. Noted last letter was mailed on XX/XX/23. I yelled a lot and apologized to the poor woman you irresponsibly put on the phone. But you need to do an actual investigation. No one I've spoken to even knows what XXXX is. They have literally investigated whether or not someone stole my card. I indicated many times to reps that no one had stole my card, and they needed to do a non-standard fraud investigation.
Consumer complaint received 2019-04-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (TX)

I leased a vehicle in XXXX  and recently moved to XXXX. I returned the vehicle early to a dealership in XXXX. I was advised by a XXXX dealership that I could return the car and pay the remainder of the loan off and the disposition fee. I then received a bill for the entire buy out of the vehicle. I called and XXXX  XXXX told me I broke my lease and that they sold my vehicle at auction. I satisfied my lease payments and the are still trying to charge me $ XXXX for the vehicle. I should be protected by the state of XXXX because thats where my contract was signed. XXXX XXXX called me 2 weeks ago and said it was resolved and they where pending processing on their ends. They then called back and said no they decided its not resolved and that will not overturn it and that I will still owe the money. They refuse to give me any documentation and when I asked they told me I need a subpoena. I have paid all the lease payments, they have my vehicle, and they are now going back on their decision to resolve it. Since the contract was bound in XXXX I should only be responsible for the disposition fee as I have satisfied my contract. According to the XXXX Attorney General website I should only have to pay the disposition fee.
Consumer complaint received 2023-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (MD)

BEWARE OF SYNCHRONY BANK On XX/XX/XXXX, I invested {$100000.00} at 4.6 % interest with Synchrony. This transaction was verified with my bank. The agent told me the transaction was complete. Weeks later I received a letter dated XXXX XXXX that indicated I had to complete the process. On XXXX XXXX, I spoke with XXXX. She told me that Synchrony was in error since the transaction had been verified. She asked if I still wanted the investment. I told her yes, if it would be backdated to XX/XX/XXXX. I told her I would also increase the amount to {$200000.00}. She said she would call me personally within three days to confirm. She did not. Instead, I received an email stating that the money had been withdrawn from my bank and invested in Synchrony. On XX/XX/XXXX I spent about 70 minutes either speaking with an agent that could or would do nothing, and then on hold for a so-called supervisor. Finally, an agent told me that XXXX had to return my call in 3 days. I told her it had been 7 days, She used all kinds of excuses explaining how 7 days does not equal three business days. She said XXXX was still waiting for an answer before calling me. Of course, I never heard from her or anyone else from Synchrony again. Then she tells me that the investment was denied. 

What kind of a company makes a mistake on an investment, and instead of correcting their errors and apologizing, they just cancel the entire transaction? 
I have never received an email or letter indicating my {$200000.00} had been transferred or cancelled from my bank.
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MD)

Company acquired our mortgage from original lender last summer. At the time, we were told that all practices with previous lender would be assumed by the new company. One of these was the annual payment of our county taxes. As we had not any issues with original lender, I did not worry about any issues with the new bank. However, the check writing company used by the new bank improperly coded the annual payment made in XX/XX/XXXX such that half of it was sent back. I was never notified of this error. Rather, I became aware of it later in the fall ( early XX/XX/XXXX ) when I received an invoice from our county tax office indicating that I owed the second payment. When I called the tax office to inquire as to why, I was told of the check writing company 's mistake ( again, I never received any notice from the new bank as to this error ). Moreover, I was told that the company had realized their error in the previous month and were working to make sure it was not repeated going forward. However, the company made no effort to correct the past error. I called the new bank to inquire and confirm that they would be making the 2nd payment. I was told that they were working the issue and would pay the taxes in time. Trusting them, I wrongly assumed that everything would be properly taken care of. Thus, i was very disappointed to see that my taxes had been paid after the deadline ofXX/XX/XXXX and that I was therefore charged a 1 % late fee. When I called the bank to complain in mid XX/XX/XXXX, I was given the run around and only recently told ( after multiple follow up calls ) that it was my fault that the bank was late in paying my taxes - and that they therefore would not be reimbursing my account the 1 % late fee incurred. The exact reason for this reasoning is still unclear as I thought that was why I paid into an escrow account.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

There is a misspelled last name showing up on my Experian credit report.. My correct last name is XXXX not ( XXXX ) I NEVER us this last name for anything and would like for it to be remove from my Experian Report.
Consumer complaint received 2019-04-01
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)

FTC attached shows few fraud account opened under my name and used and misused. 
i have disputed these irrelevancies with XXXX and experiqn, some have been deleted but these three account are screwing my credit and are inaccurate, please have these account removed from my credit reports, i have never lived under these addresses these creditors have, and few personal information were inaccurate, these do not belong to me please help me. 

thank you
Consumer complaint received 2019-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MS)

Account was opened in XX/XX/2011 supposedly in my name. I have contacted this company several times informing them of this matter ... ... .I have had harassing phone calls from them in the past and it has started back. This is an fraudulent account opened in my name without my permission. I have requested documentation from the company as far as anything linking me to this account like a copy of my identification or an application signed by me and by law I have the right to request this documentation. They have failed several times with providing me with this documentation. They are reporting this incorrect information to the credit bureaus and it is detrimental to my credit worthiness.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX, a credit card company, which operates as XXXX presented and sold to me a ticket labeled as " business class. '' I bought this ticket on XX/XX/XXXX for my honeymoon to XXXX in XXXX, XXXX. I soon found out that part of the trip was actually an economy trip, and was not a business class trip, as originally presented to me. I would not have bought this ticket if I had known that. I escalated this complaint and asked for them to fix that leg of the trip, compensate me with points, or compensate me with cash. After weeks of escalating this with customer service, I was told that I should have opened a separate box to see the hidden details that a " business class '' ticket would actually include an economy flight, and that XXXX would not be able to remedy the situation. This was deceptive and misleading.
Consumer complaint received 2019-04-01
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. (CA)

FTC attached shows few fraud account opened under my name and used and misused. 
i have disputed these irrelevancies with Equifax and XXXX, some have been deleted but these three account are XXXX  my credit and are inaccurate, please have these account removed from my credit reports, i have never lived under these addresses these creditors have, and few personal information were inaccurate, these do not belong to me please help me. 

thank you
Consumer complaint received 2019-04-01
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. (CO)

Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with XXXX in particular and to lesser extent by XXXX and even lesser with Experian. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly  evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to you.
Consumer complaint received 2019-04-01
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. (TN)

I have disputed information on my credit report and Equifax is not investigating properly. XXXX XXXX found the information to be inaccurate and removed it from my report. Equifax refuses to remove it even though i have mailed the paperwork and provided any information they needed. They said the information is correct. The call center is full of rude employees who do not want to help you solve the problem.
Consumer complaint received 2019-09-18
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. (NJ)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ACCOUNTS ATTACHED TO THIS COMPLAINT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS FOR I HAVE HOLD AN EXCELLENT MEMBERSHIP STATUS.
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I closed on my new home with XXXX XXXX on XXXX XXXX, 2019. My first payment wasn't due until XX/XX/XXXX but I made 3 separate principal payments totally {$7300.00} along with a full mortgage payment during the month of XXXX. I was then notified that my loan would be ( and was ) sold to Wells Fargo as of XXXX XXXX, 2019. According to Wells Fargo, I still owe the full loan balance. They have no record of the payments I made in XXXX. I have spent numerous hours ( mostly on hold ) trying to fix the problem.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

This is still regarding the previous case with XXXX XXXX XXXX with CASE # XXXX-XXXX. 
They called and promised they will correct the wrong information placed on my Experian credit profile, and correct the late payments, and the " paid, closed, {$1800.00} written off " placed on my credit Profile. Since this was not part of the loan, but erroneous insurance charges of {$1100.00} that caused the problems and overcharges by them, as a way of delaying the loan. 
I have all the insurance at that time and provided to them, while they promised to resolved it and credit me. They are supposed to refund my credit as they promised earlier, but they refused crediting me, and insisted they will correct their mistake on the credit report placed on my account but will not pay credit me.I refused to accept their offer. I have not heard from them since XX/XX/2019. my credit profile has not been corrected, my credit for insurance has not been paid. I need this issue resolved or will file for damages against them. 
This was fully paid with XXXX balance.Needing my credit from them.