davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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: Account Management Resources (OK)

I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hillcrest Davidson & Associates (TX)

On XX/XX/XXXX I contacted collection agency Hillcrest Davidson & Ass that has reported on my credit report something I owe that I have never received a bill or statement for, nor received any phone calls. They said they had a signed copy of the agreement and would mail a copy to me or have the company that sold the account ( XXXX ) send me the agreement today on XX/XX/2021 I still have received nothing by mail or phone calls. I also called the " original '' debtor and they said they have no record of me having an account and I called twice to verify on XX/XX/2021. Then I called Hillcrest Davidson & Ass collection agency back and left a message on XX/XX/2021 and three days later still have not received a call. So I still have no proof that I signed any contract for this debt nor is anyone assisting to resolve this issue.
Consumer complaint received 2022-03-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

With my life-savings, I purchased an HOA-Lien investment property from an public auction without any transparency on existing mortgage on the property. Once I received notification there is an existing mortgage, I personally & through my attorney attempted to contact the mortgage company ( XXXX XXXX XXXX ) on several occasions to pay-off or refinance which mortgage company refused to provide me any information on the mortgage regardless of being the legal owner of the property being financed. The mortgage interest has been accumulating and no payment has been made as I have no account number to send the funds. I believe the lender is thinking that it is easier to foreclose the property as the foreclosed property value vs mortgage balance would easily be retained plus all interest & their attorney fees but I would lose my life-savings. 

My attornery XXXX XXXX XXXX sent out the payoff letter dated on XX/XX/2021, there has no any response or reply, as the owner, I have attempted to contact the lender mult-times during one year of time, due to the confidential policy, they insisted to not provide any payment information unitl I have complainted to the XXXX XXXX XXXXXXXX , they informed me that the mortgage has been transferred to Shellpoint Mortgage Servicing, I have to contact them instead.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I need my credit report corrected XXXX XXXX XXXX  account still showing i owe them. XXXX on Experian and XXXX XXXX i got a report from XXXX its been removed but now they took aall my credit report XXXX XXXX XXXX is giving me mental breakdown i cant get approved for anything because of them im ready to get a lawyer and sue
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

A fraudulent charge was made on my account on XX/XX/2021. I contacted XXXX, who was the merchant, and had them cancel the order, but could not refund me my money because it was a fraudulent charge and told me to go through my bank. When I did I submitted all my paperwork, allowed them a month to investigate, and have had to continuously follow up with them. Their agents would have me go over my case all over from beginning to end and would not provide me with an update, much less a resolution. It is now almost the 90 days and they have not resolved my case and when I called yesterday, XX/XX/2021, they told me the case and appeal has closed. There has never been any communication from them and I have had to follow up with them to never get an answer. I ask to speak to supervisors and after asking them what the reason for them closing the case is, they never give me an answer and leave me on hold which then leads to them never coming back on the line. I am really frustrated that so much time has gone by and I still do not have a resolution, much less my funds back. I have been a Citibank customer since I first opened my first account in my teen years and never thought they would be this disloyal and uncaring for me.
Consumer complaint received 2022-03-28
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. (MI)

In accordance with the Fair Credit Reporting Act the accounts have violated my rights : Dept. of EDXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXy XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-21
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. (TN)

Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I have filed numerous FTC reports about the issue. I have disputes these account with the credit bureaus. They have not removed them, and have not proven that they are mine. A signature or contract can not be produced with any of these accounts.
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (FL)

I am a victim of identity theft. I have filed numerous FTC reports about the issue. I have disputes these account with the credit bureaus. They have not removed them, and have not proven that they are mine. A signature or contract can not be produced with any of these accounts.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (CT)

Nothing! I had a card with Elan financial but defaulted because of my XXXX treatments. I told them this would happen in advance, they just didnt care. 
So I went to autopay. 
Upon default it went to their collection department where they decided that I owed almost XXXX when I had less than {$1200.00}. I sent a letter and proof of payments indicating that I had {$1200.00} left on the debt maybe slightly more depending on interest, and that I would pay up to {$1400.00} when I am back at work to account for any interest. 
they said they accounted for my payments but I still owe {$3700.00} ( as if I had sent no payments since XXXX ). 
I paid with autopay but had some ( not all ) of the confirmation numbers.. for ever payment up to XX/XX/XXXX when I was unable to work due to my XXXX treatments. 
I asked them for proof of the extra debt, and have since only sent payment demand letters, and one page of paper with the amount of money {$3700.00} printed on it, oh and until XX/XX/XXXX would call every 3 days to demand money. Recently I received 2 letters saying they will settle the debt for {$1500.00} if I paid in a lump sum, which is still more than what I owe and I cant afford anyway This has to be illegal the way they are treating me,
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my account, I did not receive notice and they only mailed a letter instead of having something I could see online as well. 

Then they told me they would mail a check and I could not go and get my funds from the account. 

If they did not mail the letter, how am I supposed to believe that I will get mu funds in the mail. I want to go to the bank and get my money out.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This debt is old and I have already paid it off, it should no longer be reporting to my credit.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc. (CA)

I filed a dispute with Paysafe/SKRILL on XX/XX/XXXX for {$300.00} arising from an error with my SKRILL Visa. I submitted all required paperwork and on XX/XX/XXXX I received an email from PaySafe Disputes stating they had issued a temporary/provisional credit to my account. Upon checking I noticed that NO FUNDS were in my SKRILL ACCOUNT. This was the first time I reached out to Skrill to inquire where my money was. I spoke to customer service and was advised they would escalate the issue to the appropriate department. I assumed they would address and correct the problem and have the funds credited to my account by the following Monday afternoon- NOTHING, so I called SKRILL support again to inquire and got the same answer, my issue would be forwarded/escalated to the appropriate department. Then came Wednesday, and Thursday, and Friday... each day contacted support, each day received the same answer. This has been going with the same outcome each time, ESCALATION, NO CREDIT..ANGRY! And now as of the XXXX XXXX XXXXXXXX I received another email from the disputes DEPARTMENT stating they determined that AN ERROR DID OCCUR and the previous credit ( I never got ) would be considered permanent. And guess what? Still NO CREDIT ... .I HAVE BEEN IN CONTACT EVERY SINGLE DAY SINCE THE XXXX XXXX XXXX XXXXXXXX TRYING TO GET MY MONEY, WHY HAVENT THEY GIVEN MY MONEY? They keep saying a 'technical ISSUE ' is preventing the credit to my account! A multi billion dollar company with locations all over the world, that handles and makes financial transactions and they cant handle a small consumer account like mine and have not even sent me one proactive message to let me know what is going on. I'm angry and want my money. They are keeping it from me.
Consumer complaint received 2021-08-27
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. (GA)

I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

1.XXXX  XX/XX/2021 2XXXX XX/XX/2021
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX  XXXX XXXX XXXX # 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 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (CT)

As a costumer from Home Depot and doing monthly payments I was charged on XXXX XXXX  a amount of {$20000.00} from one promotion that Home Depot has sent to me on XXXX if I purchase from then. 
I never did any purchase because I am paying of my balance with Home Depot. and that valor was add to my account incising my balance with the Store Home Depot. 
I called the 1800 Home Depot and spoke with the agent XXXX about those interest charges and Mr. XXXX told me that if I'm not satisfy to call CFPB and look for my rights.
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MD)

I requested a loan payoff amount to payoff my loan. I sent a cashier 's check to payoff my loan and the check was confirmed delivered on XX/XX/XXXX - the delivery was signed for by a XXXX XXXX at BSI. I've been calling and emailing them since that date ( 6 weeks ago ) asking about the status of my check and payment. I've gotten no answers and have been bounced around to different people with no results and now I have another payment due even though I've already sent a check for the full payoff. This is completely ridiculous and a mortgage company should not be allowed to operate in this manner.
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

I have contacted Rushmore Loan Management for approximately two years now, in writing, via phone and email. I have filed a XXXX   complaint. 

While they are polite and keep responding to me in kind, they have not addressed the issue. 

There is an amount showing on my monthly bill as " short interest '' in the amount of {$7800.00}. I have requested that they detail how this amount was derived - yet they keep sending me some arbitrary documents ( for example, the loan documents I signed, and some financial pages of transactions - none of which correlate or add up to a short interest amount of {$7800.00}. ) They have written to me again, denying my request to remove this amount from my billing statement, indicating they have " providing the payment history for the life of the loan '' - however - none of the documents they have provided show me specifically when and how I accrued a short interest amount due of {$7800.00}. 

I am very worried and frustrated, and seriously do not know what to do or where to turn. Please help me resolve this matter!
Consumer complaint received 2021-04-19
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 — Their investigation did not fix an error on your report
Company: Collection Consultants of California (CA)

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for the amount of {$260.00} now {$310.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), under further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, therefore, is twofold per validation of debt and HIPPA authorization.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-27
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: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

COMPANY ( HSBC ) HAS HAD THIS COMPLAINT FOR MORE THEN 15 DAYS AND NOTHING IS BEING DONE ABOUT IT. THEY WILL PUT CHARGES ON CLOSED ACCOUNTS AND DO NOTHING ABOUT IT. ONE ACCOUN T XXXX HAS {$240.00} ON IT. THIS ACCOUNT SHOULD NOT HAVE ANY BALANCE. IT HAS BEEN CLOSED. AGAING THEY HAVE HAD THIS ISSUE FOR MORE THEN 15 DAYS AND NOTHING IS BEING DONE. ANOTHER ACCOUNT IS XXXX IS A CLOSED ACCOUNT AND HAS {$70.00} ON IT. AGAIN BOTH OF THESE ACCOUNTS SHOULD HAVE A XXXX BALANCE. I HAVE CALLED AND LEFT MESSAGES. THEY HAVE HAD THIS ISSUE FOR CLOSE TO A MONTH. PLEASE HELP
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC (PA)

According with those criminals and looter organizer is a crime to make public there criminal activity done illegal and fraudulent inside your property in a top secret close door act If this is no enough evidence that destroying the credibility of ownership in USA is consider what? Those criminal ca lie until we meet in criminal court After it we close the door and put those criminals in prison for looting property where a owner has no financial obligation. I will never stop looters count on it until I drain your filthy face of looting and criminal activity in USA, How long those criminals continue to lie We will meet in criminal court and federal court soon count in it XXXX  and Phelan Hallinan pettifogger lawyers including this assistant ( or a clerical cover-up artist ) XXXX XXXX XXXX organize the theft, looting, vandalism, burglary and criminal activity inside a property when the case is in Courts NOW and again in a criminal top secret close door act. It is very hard to understand how come only now document appear presented by this pettifogger assistant XXXX XXXX XXXX. How convenient to send documents after looting, vandalism criminal trespassing and complete destruction of the property. Only a criminal organization that even lie to their own clients by triple charging them abusing their trust can loot property in this top secret close door criminal act of fraud. Those pettifogger lawyers knew that is a close in community and I will have no access inside until I get back my property. Also they been informed by XXXX that I will be in XXXX to prove the fraud was done with forge documents and immediately organized their criminal activity to loot and stole everything from inside my house for this reason I will ask again looter I XXXX to put back inside my property all stolen items before we meet in criminal courts.????
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (FL)

i just got of the phone after i sent letters asking for my account to be updated but I got the runaround, they have not updated my info to the correct status if been months I have disputed with them to no avail, and late payments on my report they refuse to remove! I need the cfpb to help them comply with the Law! XXXX XXXX and XXXX