davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (FL)

I have a fraud alert on all 3 credit bureaus. Also credit freeze. XXXX XXXX experian shows 5 inquiries XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  / XXXX, XXXX XXXX. I never made these inquiries tsk tsk them off.
Consumer complaint received 2018-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

DITECH ATTEMPTED TO ESCROW MY MORTGAGE..I PAID MY FIRST HALF TAXES..THEY ALSO SENT MONEY IN..MY TOWN SENT THE MONEY BACK TO THEM..THEY RAISED MY MONTHLY MORTGAGE FROM {$490.00} TO {$1400.00} A MONTH..I SENT IN LUMP SUMS TO COVER MY SECOND HALF TAXES AND MY HOMEOWNERS INSURANCE ..BECAUSE I ONLY SENT {$490.00} /MONTH THEY SAY I HAVEN'T MADE A MORTGAGE PAYMENT IN 233 DAYS..SO I'M GOING INTO FORECLOSURE ... I JUST SENT ALL THE COPIES OF CHECKS THAT THEY CASHED ASKING WHERE IS MY MONEY..I CAN NEVER TALK TO THE SAME PERSON AGAIN AND EVERY PERSON I TALK TO HAS A DIFFERENT STORY..WHERE IS MY MONEY..TODAY IN THE MAIL I RECEIVED A NOTICE THAT THEY ARE LOOKING INTO THE PROBLEM ... BUT THAT'S THE SAME LETTERS I GOT LAST MONTH,,,,, PLUS,,, IN MY ENVELOPE WAS THREE OTHER PEOPLES MAIL,,, WITH THEIR ACCOUNT NUMBERS,,, THIS IS ONE SHADY COMPANY..IS THIS HOW THEY TAKE PEOPLES HOMES??
Consumer complaint received 2022-06-12
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: I.C. System, Inc. (AZ)

in accordance with the fair credit report act XXXX  account # XXXX has violated my rights company XXXX XXXX XXXX in accordance with the fair credit report act XXXX  account # XXXX has violated my rights company IC system  15 u.s.c 1681 section 602A. 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 writing instructions
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: EQUIFAX, INC. (NY)

In 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 an account without my written instructions. 

XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXXXXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$2400.00}
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. (NY)

In 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 an account without my written instructions. 

XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$2400.00}
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I contacted Capital One requesting they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter that states " my last payment amount '' and the " date the account was open, '' which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted and the debt to be ceased.
Consumer complaint received 2018-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN XXXX = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON XXXX AND NOW 3 ON TRANSUNION. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT XXXX XXXX REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
TRANSUNION                                                 XXXX                        
1. XXXX XXXX XXXX                                   1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX XXXX
3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS XXXX XXXX ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX  vs. Transunion,LLC    and XXXX, et al v. XXXX XXXX

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

XXXX
Consumer complaint received 2020-07-24
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. (NJ)

Upon checking my Equifax report there are multiple unfamiliar inquiries ( XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX ) reporting on my account. Ive already sent in documents disputing these inquiries, and I received a response saying the inquiries were factual. In my defense, I responded with documents asking Equifax to immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry, in accordance with the Fair Credit Reporting Act. I also asked Equifax to provide me with a detailed review of the investigation that lead to the results of the inquires being deemed factual. They have failed to do so.
Consumer complaint received 2019-09-10
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. (NY)

My ex spouse took a lease and i had nothingTo do with and XXXX already deleted the loan from their report and my TransUnion and XXXX to follow suit.  I need this deleted rom all reports.
Consumer complaint received 2019-09-10
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. (NY)

My ex spouse took a lease and i had nothingTo do with and XXXX already deleted the loan from their report and my XXXX   and Experian to follow suit.  I need this deleted rom all reports.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

My XXXX account alerted me that CBNA open new account. 
The date stated the account was opened XX/XX/18 but I just received the alert today XX/XX/18 I havent contacted the company because Ive read a lot of the reviews that they make a lot of mistakes an errors on there behalf so I came straight to CFPB to handle the issue.
Consumer complaint received 2018-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

In the first week of XX/XX/2018 I received a note that my bank, BankUnited in XXXX, Florida, transferred ownership of my mortgage loan to a different service provider. In the letter I received, I was told that I had 30 days by federal law ( from day of notice of transfer ) during which I could send the original payment to the original bank and they would be obligated to forward it to the new loan holder and without incurring any late fees. BankUnited, however, refused to accept the payment in violation of federal law. I then called their helpline and both the person who answered the phone and supervising manager told me that they were under no federal obligation to receive the check and could also not tell me where to send the payment to. After the call, I researched the aforementioned law and found that BankUnited has in fact ran afoul of the law by refusing to accept my payment during the statutory allowed period. Today is only XX/XX/XXXX, meaning I am still within my rights.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was Racially profiled by Bank of America and they closed my account. I deposited a check into my bank of america bank account on XX/XX/2022 via the ATM the amount of the check was XXXX after placing several holds on the XXXX Bank of America closed my account citing that the Check was Counterfeit after several attempts to resolve the issue with bank XXXX by going into the branch and presented Check Stub and XXXX form Bank of America still insisted that the Check was Fraudulent and closed my account. Which inccured injury to me because my insurance, Car payment and bills were do to come out of that account and Also a XXXX check of {$700.00} for XXXX XXXX was also suppose to go into that account. Because the Check was Valid there is no other reason for them to not clear the check and close my account other than the fact that I'm a XXXX XXXX
Consumer complaint received 2018-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Citibank charged me an annual fee XX/XX/2018. I am calling today to cancel my card XX/XX/2018. They are informing me Citibanks new policy only allows pro rated refunds if canceled within 60 days?? This is preposterous. How can they do this?? First I don't recall ever seeing a change to my user agreement. But how is the CFPB allowing this? The fee is an annual fee - if i'm not receiving all the benefits of the card for the entire year then how can they be charging me an " annual fee ''?? 

I should be getting a pro-rata refund for the months that I am not a holder of the card. This sounds very deceptive and highly illegal. Please advise. 

Thank you.
Consumer complaint received 2020-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Skrill USA, Inc. (GA)

XXXX XXXX and XXXX, 2020. 
XXXX USD money transferred into a Skrill account ( XXXX ) Skrill confirmed the money transfer via email, but is not allowing me to verify my account, even though Ive sent them 3 separate images, of myself, my drivers license, and the current date ( XXXX ). 
The documents they want are not something I have, any bills I pay are paid online without my address linked, and I dont own a bank account, I was transferring money to my girlfriends account. My drivers license should be more than enough to confirm my address.
Consumer complaint received 2019-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

Notice an open account on my credit report, that doesn't belong to me. Contacted the company over the phone, Receivables Performance Management LLC, and they wouldn't tell me where the supposed money owed originated. Says I owe {$270.00}. Account opened XX/XX/2018 according to the report. My credit score has dropped due to this and this company keeps calling. How do I remedy this situation fairly?
Consumer complaint received 2018-04-17
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 (TX)

XXXX XXXX XXXX said car was overheating water is leaking because it needs a water pump. They replaced it and I paid XXXX. The car started overheating next day called them XXXX. I took car to XXXX XXXX XXXX and they spoke with XXXX. The car was overheating and water leaking in the back possibly the new water pump is defective.

Its under warranty so XXXX   came got it and said they replaced water pump, I got car back on Friday evening and drove it Saturday and it starting over heating. Monday called XXXX and told them it isn't fixed. They never called me back and still to this day haven't. I have phone records to prove I tried to get this resolved and called many times. I then took it to XXXX XXXX XXXX and after they told me its leaking water and the problem is the engine not the water pump. I called and disputed charge with capital one.

and capital one rebilled me in XX/XX/XXXX. XXXX  got car inXX/XX/XXXX and I got it back XX/XX/XXXX for couple days and they took it back returned it XX/XX/XXXX and XX/XX/XXXXwent to XXXX XXXX. Disputed charges and waited. When I was rebilled I contacted capital one and the asked me to send letters, receipts etc.. I did and then I was told sorry you're out of time, I was in XXXX  for month of XX/XX/XXXXand returnedXX/XX/XXXX. Capital one sent a letterXX/XX/XXXX I didn't know untilXX/XX/XXXX. They said I was out of time.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

OnXX/XX/XXXX, I made a payment to my Capital One Quicksilver Visa Account on the due date.  At the time, I made the payment online I wasn't aware I missed the cutoff time, which is not posted as you click to submit the payment. I discovered the next day that I was charged a past due fee of $XXXX on XX/XX/XXXX.  I called the Customer Service Center and they were kind to reverse the fee.  At the time, I didn't realize I would also be charged interest, because finance charges  did not post on XX/XX/XXXX, they posted on XX/XX/XXXX.  I paid the full balance off on XX/XX/XXXX, which I almost always do, specifically to avoid paying interest, so I was shocked to see I had been charged interest. I called the Customer Service Center on XX/XX/XXXX to see if I can get the interest reversed, as I had made the complete balance payment due. I spoke with the Account Manager, XXXX  in Virginia (ID:XXXX) and he would accommodate my request.  I asked to speak to his manager or to escalate it and he blatantly advised me he was the highest level I could escalate to. I don't ask for much and I have had this card since XX/XX/XXXX. I felt that I was not treated fairly and without respect.  I don't understand if a previous representative understood and reversed the past due for the same situation, why not be consistent and reverse the finance charge?  Is it fair to not provide a customer options to appeal a decision?  I  am not happy with the service Capital One provided me and hope the Voice of the Customer has value.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ERC (CA)

MY REPORT SHOWS TWO UNKNOWN ADDRESS THAT ARE LISTED AS MY PREVIOUS LEGAL RESIDENCE, ALSO A LIST OF MANY DIFFERENT LAST NAMES ARE ASSOCIATED NEXT TO MY NAME INCLUDING SOME ACCOUNTS WITH MY NAME MISSPELLED AND THREE COLLECTIONS I DONT RECALL HAVING ANY OPEN ACCOUNTS. PLEASE HELP CLEARING THE WRONG INFORMATION THAT IS AFFECTING MY CREDIT.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (UT)

I received an offer from Chase Slate for a zero percent balance transfer on XX/XX/XXXX. I submitted a request for balance transfer to go to two of my XXXX XXXX accounts on that same day. One in the amount of {$9000.00} and one in the amount of {$6000.00}. With a balance transfer fee totaling {$750.00}. 
I called to check on the status on XX/XX/XXXX as XXXX XXXX had no record of the transfers. Chase representative advised to call back on Friday, XX/XX/XXXX, if they still had not been processed. The Chase representative indicated that the payments were electronic transfer, and should be cleared by then. 
I called back on XX/XX/XXXX to again check the status. I was advised at that time that they were not electronic, but cashiers checks that had been mailed on XX/XX/XXXX. At that time, it was indicated that it could take up to 21 business days for the checks to process, and there was nothing that could be done until that time. Upon requesting to speak with a supervisor, I was told the same thing, that I could call back on XX/XX/XXXX to request that an investigation be started on these checks. The supervisor specifically said XX/XX/XXXX. I also expressed my concern that there was a payment coming due on XX/XX/XXXX.  The representative would not validate this concern, stating that it for sure would be resolved by that date. 
XX/XX/XXXX, called back, as the balances are still showing on XXXX XXXX and are now showing on my credit report as balances for both Chase and XXXX. The representative manually counted the dates and indicated that an inquiry and escalation could not be technically filed until XX/XX/XXXX, as that was really the 21 business days, due to a holiday. I became insistent and told her that the escalation needed to happen on that original date given to me by the supervisor. She did begin the inquiry escalation process, which I was told could take up to 30 additional days to complete. She also indicated that it may be rejected due to the time frame not being met. But that I would hear something regardless within 3 to 7 calendar days. Today being XX/XX/XXXX, calendar day 6 and I have not heard from them. Nor have the checks been received or processed by XXXX XXXX.
Consumer complaint received 2018-04-17
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. (NY)

This is a continued ongoing complaint. Again XXXX has responded with allegations that they were in their right to pull my credit and perform a hard inquiry, but again and again have failed to provide documentation that supports their right under the Fair Credit Reporting Act ( FCRA ). I never gave my consent for XXXX XXXX to pull my credit history, I never submitted a loan application, I never showed or implied interest in any of their loan products and I never suggested that I was in the market for a loan of any sorts, yet TransUnion continues to side with XXXX XXXX without requesting that they produce material that would support their right under the FCRA claim.. I called XXXX XXXX just to talk to a loan " specialist '' for information regarding how much time from the date of a foreclosure would it take before being once again eligible for a mortgage loan? I was told that they would need some basic information and after giving said info I was then told that I was not eligible for a loan mortgage at this time ... Huh ... I already knew that? Then was told it would take 5 to 7 years before being eligible for any of the loan products that XXXX XXXX offers, with that I said Okay thanks for your time and hung up. Many months later I came to find out that without my permission or knowledge my credit was pulled for asking a mortgage question only ... This is violation to my rights as a consumer and rights under the FCRA. Furthermore XXXX XXXX   response that I had interest in a loan product because I asked a question and therefore they were in their right to pull my credit is total XXXX and preys on unsuspecting consumers.. So I ask again for XXXX XXXX to provide proof of my interest in being approved for one of their loan products other than a letter that states I called and had a conversation with a XXXX XXXX rep and was denied a loan ... Please be advised that I will continue to use ant ans every platform available in resolving this matter ...
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (TX)

Between the dates of XXXX - XXXX & XXXX - XXXX it has my credit report saying that i was late. I called them to have it fixed but they said they would not change it on my credit report even though i am up to date and have not been late since XXXX of XXXX  because of the downturn of the economy in the oil and gas sector.
Consumer complaint received 2019-08-28
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. (NJ)

PLEASE LOOK INTO THE FOLLOWING NEGATIVE ACCOUNT : XXXX XXXX XXXX  IS DISPLAYING AN UNPAID CHARGE OFF AMOUNT OF XXXX AND DOES NOT SEEM TO COME OFF OF MY CREDIT REPORTS. THIS WOULD BE MY SECOND TIME AROUND DISPUTING THIS. AND IT IS UNFAIR. PLEASE REMOVE THE ACCOUNT BECAUSE IT IS RUINING MY CREDIT 'S REPUTATION.