davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/2018, someone went into a Bank of America ( BOA ) branch in New Jersey and first withdrew {$1500.00} from my checking account then withdrew {$1400.00}, for a total of {$2900.00}. That afternoon I saw the activity, and called BOA immediately to stop the transaction ( at first it looked like they were two checks pending clearance ). I later learned that the person was given cash. BOA froze my account. They are in the process of investigating what happened and say it takes on average 60 business days. Meanwhile, I am out {$2900.00} and have had to operate without a debit card for over two months. 

My case number is XXXX I filed a police report with the District of Columbia Police. I sent the police report along with a letter from my supervisor confirming I was in Washington DC the entire week of XX/XX/XXXX to XXXX to support my case.
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

I thought the issue was on it's way to a resolution when I received from Ditech, a Mortgage Assistance Application. After getting what was needed to send out with said application, it was sent out. Yesterday a lady came by my home and stated she was a representative for XXXX XXXX. From what I can remember, the first mortgage note was through XXXX XXXX ; later I received notice that the mortgage note had been sold or bought to/by Green Tree. Later, I received notice that the note had been sought, sold or transferred over to Ditech. Since then any letters received have been under Ditech. To have that visit from the lady yesterday, bothered, confused and frightened me, because I believed I was dealing exclusively with Ditech and the name XXXX XXXX has never been mentioned in any manner. I informed the lady that my dealings have been solely with Ditech for many years then and to the present. 

Any information you can give me would be greatly appreciated. As mentioned, it was disconcerting to now have something new come up. Thank you for your assistance. 

XXXX XXXX XXXX
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

On XXXX, I sent a letter regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that they are not to report any inaccurate or invalidated information to the credit bureaus that could be detrimental, but they continued to which is a violation of my consumer rights. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand this account be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an anxiety this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.
Consumer complaint received 2023-02-02
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. (MO)

Equifax has violated my consumer rights multiple times. I have sent them identity affidavits, and I have asked them to stop reporting invalid information. I have asked them to abide by federal consumer laws and they have continued to intentionally violate my consumer rights.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax. 
- Sent Letter XX/XX/2022 It is over 90Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2021-03-01
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. (TX)

XXXX XXXX XXXX XXXX XXXX is reporting two accounts on my credit reports as charge-offs/writeoff ; however, this company is still reporting a balance due which has been sold to a third party company. I never received anything from this company advising me that they were transferring an old balance to a debt collection. Also, this account is identified as a student account which I NEVER had any type of " student account ''. I have attached proof of this inaccurate information. I contacted the bank in XX/XX/2021, I was advised they didn't see any accounts due.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (IN)

On XX/XX/XXXX I applied for an apartment complex and was denied due to a public record associated with my social security number. I was also able to obtain the courthouse name where the alleged judgment came from. The apartment complex also told me to contact CoreLogic about this matter. I immediately called the courthouse ( Justice of the Peace 42 located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) and asked them what credit bureaus they report to and what steps do they take to verify such information. The XXXX clerk told me that they do not and will never report public records to the credit bureau under any circumstances. Today, XX/XX/2020 I contacted CoreLogic Credo about my credit report. I spoke with a representative named XXXX. I told XXXX my concerns and that I needed to know where they obtained such information and what courthouse it came from. XXXX told me that they obtain this information from the court and I told her that is not true because they told me they never give public records information the credit reporting agencies. I told XXXX that I had been denied for an apartment by CoreLogic because of a judgment but my reports from XXXX  XXXX  and XXXX XXXX do not show a judgment. I have disputed this item and asked for validation and proof of this information attached to my social security number that CoreLogic is reporting. They have failed to provide me a copy of any viable evidence from the courthouse or the apartments in which the balance is allegedly owed named. I have previously requested their method of verification and they have not complied which is a violation of the Fair Credit Reporting act 611 ( a ) ( 7 ). Please validate this information Justice of the Peace 42 located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OR)

I had a $ XXXX XXXX newspaper subscription, that I ended in XXXX, drawing from my Barclaycard Rewards Mastercard. I had auto-pay set up, such that any bills to my credit card should have been automatically paid for from my debit card account at Oregon XXXX XXXX XXXX XXXX as had happened for over a year. This did not happen starting in XXXX, and the {$4.00} subscription cost snowballed into a {$90.00} credit card balance, due to late fees, which I only realized when I was sent a notice in XXXX that my account was being closed. A {$4.00} late fee was charged XX/XX/XXXX, {$12.00} late fee charged XX/XX/XXXX, {$25.00} late fee charged XX/XX/XXXX, and a {$40.00} late fee charged XX/XX/XXXX, in addition to {$0.00} " minimum charges '' each month starting in XXXX. I spoke to a Barclays customer service agent ( XX/XX/XXXX ). He told me that Barclays had made some kind of systems change, in XXXX I think, that resulted in a number of customers being taken off of auto-pay without their knowing, and with Barclays unable XXXX tell who had had auto-pay. He acknowledged that it was not my fault and thus removed all the late fees. I pressed him to remove the interest charged as well, which he said he did, such that I would have a XXXX balance after paying {$8.00} for the newspaper subscription ( now I'm not sure why I should have payed more that the {$4.00} for the XXXX newspaper subscription ). He told me he couldn't do anything about the lateness having already been reported to the credit bureau, but gave me their address for me to mail a complaint to. When I logged in Monday XX/XX/XXXX, it appeared I still owed {$90.00} due in XXXX, and also that I had a balance of {$2.00} due now. I called back and they said I know longer owed the {$90.00} but did owe {$2.00}, which they removed on account of that being from interest that shouldn't have been charged. They said they could NOT re-open my account without me reapplying. My complaint is on behalf of all the other auto-pay subscribers who were taken off auto-pay and charged late fees, and because I'm concerned about how this may continue to affect my credit.
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I am not liable for this debt with 12 XXXX and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. 

Account NoXXXX Amount Disputed : {$10000.00}
Consumer complaint received 2019-03-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MD)

I currently have an auto loan with Ally Auto Finance, a subsidiary of Ally Bank that I am trying to refinance, I had the refinance bank send a check over to an address that an agent at this Ally Auto provided and requested the check be mailed to. The check was received and signed for by an agent of the bank on XX/XX/2019 ( XXXX tracking # XXXX ). After a few days and increasing concern, I checked-in on the status because the amount had not reflected, after spending minutes over the phone, I discovered the check was just sitting there, no one had bothered to send it to the processing center. Ally Auto claimed it was the wrong address and would send the check over to the right address. They asked for XXXX days for the check to reflect, however, today is XX/XX/2019, and the bank has reverted to its old position of claiming they can not find the check ( {$17.00}, XXXX ), " give it a few more days ''. 
The bank has a call center located in the XXXX and it is extremely hard for them to comprehend simple requests that are made of them. The agents in the XXXX do not have access to much information and can not solve real issues. 
I had to refinance my car in order to get my mortgage loan approved, else, I start paying fines/fees come Wednesday XX/XX/2019. I stand to lose $ XXXX in downpayment money and applicable fines if I do not go to settlement by the agreed upon date. 
An alternate solution will be to have the refinancing company send another check to them and cancel out this one. However, that will take more days I do not have and can not afford. I have had to pay the full amount owed on the vehicle out of pocket. Ally Auto Finance misplaced the refinance check. They practice an inefficient system of receiving checks at one state then forwarding it to a different state for processing. There are two problems with that. The first is that it takes several days to move from point A to point B once they have received the check at point A. The second problem is that they don't track the checks from point A to B. As a result they were unable to tell me where the check was for 10 days and I ended up having to pay over {$16000.00} out of pocket.
Consumer complaint received 2021-03-01
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. (TX)

XXXX XXXX XXXX XXXX XXXX is reporting two accounts on my credit reports as charge-offs/writeoff ; however, this company is still reporting a balance due which has been sold to a third party company. I never received anything from this company advising me that they were transferring an old balance to a debt collection. Also, this account is identified as a student account which I NEVER had any type of " student account ''. I have attached proof of this inaccurate information. I contacted the bank in XX/XX/2021, I was advised they didn't see any accounts due.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XXXX saying I owe a bill of XXXX thats not even mine its at an address in XXXX Florida I live in XXXX Florida and have not had XXXX cable.i disputed this matter with XXXX and got no where I would like to get this resolved.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (OK)

My Citi Card credit card has trip delay insurance as part of its benefits ' package. On XX/XX/XXXX filed a claim, Case Number XXXX, Citi card ending in XXXX, in connection with an overnight delay in my trip caused by maintenance issues with XXXX XXXX. The trip date was XX/XX/XXXX. My claim was denied. I requested the credit card company re-evaluate and I made a phone call, and it was again denied. 
My flight from XXXX airport on Thursday, XX/XX/XXXX, was delayed over 12 hours until the following morning, Friday, XX/XX/XXXX. As a direct result of this delay, I was forced to spend the night with my family in XXXX, incurring meals, hotels, and other expenses. I submitted all the documenation of the expenses and the delay as required in my claim form. Prior to incurring any expenses for hotels, meals and other travel expenses. I contacted Citicard Benefits on the evening of XX/XX/2017, to ensure my trip and travel delay expenses would be covered. I pulled up the language from my benefits ' package before incurring any charges on XX/XX/2017. I am a lawyer, and I read through their benefits, and I believed my expenses would be covered. I called them to double-check that I was interpreting the language correctly. 
When I called, Citicard Benefit representative assured me that my trip was covered. I can provide you evidence from my cell phone records of this phone call, should you desire it. In reliance upon the assurances I received from Citicard 's Benefit Specialist, I proceeded to incur expenses in the amount of {$660.00}.
Consumer complaint received 2022-09-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

I called Bread Savings XXXX on XX/XX/22 to close my CD and open new CD at the current rate. I was told that they would have to transfer the funds to an external account. Then I would need to open a new account and transfer the funds back. On XX/XX/22, I again called Bread Savings because the funds had not been transferred. I was told it would be done that day. On XX/XX/22, I again called Bread Savings because the funds have still not been transferred. I was told that the funds were supposed to have been transferred on XX/XX/22. That is almost a week ago and still not done. The rep said he asked for someone to call me back regarding this issue. I asked him if there was anything else I could do to get my money and he had no suggestions.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-01-16
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. (FL)

NOTICE to TRANSUNION COMPLIANCE DEPARTMENT I am a Federally protected consumer and I have rights under the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act ( FCRA ) accuracy and fairness of credit reporting is a vital role in my wellbeing. TRANSUNION assumed this vital role and have failed to lawfully comply under the fair credit reporting act ( FCRA ). TARNSUNION have caused me harm and damages by failing to provide lawful authority or my consent to furnish inaccurate and FRAUDULENT accounts to my consumer report or consumer file. TRANSUNION is storing or maintaining or sharing my nonpublic personal information without lawful authority or without my express written consent which is a violation of my consumer right to privacy. TRANSUNION uses my credit information it has collected unlawfully in my consumer credit files to generate consumer reports, including credit reports, and makes such information available to non-affiliate 3rd parties such as commercial users, lenders, insurance companies and potential employers for monetary gains without lawful authority or my express written consent. As such TARNSUNION unfair, deceptive, unauthorized use and Fraudulent activities have caused me harm and damages to my livelihood. 
This is my written notice to you warning you to stop your unfair, deceptive, unlawful, and abusive activities. If you continue to cause harm to my livelihood, I will report you and file a federal complaint for defamation of character. Please note that any information or correspondence will be used if needed as evidence. 
I am demanding these fraudulent, inaccurate, and unauthorized accounts be removed or deleted from my consumer file or consumer report upon the receipt of this notice. 
DELETE OR REMOVE THESE UNAUTHORIZED ACCOUNTS FROM MY CONSUMER REPORT OR CONSUMER FILE IMMEDIATELY. 

1. ACCOUNT NAME : XXXX XXXX  2. ACCOUNT NAME : XXXX XXXX XXXX 3. ACCOUNT NAME : DEPT OF ED/XXXX  4. ACCOUNT NAME : XXXX 5. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (OK)

I am trying to understand the interest rate associated with my car loan. I purchased the car in XXXX, it's a " fee simple '' loan. The interest rate is something like 19 % - 21 % I can't remember off the top of my head. The purchase price was XXXX. I still owe over 15,000 on the car and it's been 6 years. I live in Oklahoma and purchased the car here. The car lot shortly went out of business after I bought it but they financed it with a company in California called CPS " Consumer Portfolio Services ''. This company was involved in a lawsuit in the past due to their loan and collection practices. 

I have done 3 extension agreements : - XX/XX/XXXX - XX/XX/XXXX ( included this one so you can see the verbiage ) - XX/XX/XXXX Also, I had gotten a couple payments behind with each extension. The documents state that the late charges for the payments included in the extension are supposed to be removed but they are still on the account. 

I included XX/XX/XXXX 's extension agreement as an attachment as I had the electronic copy saved to my PC.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I received 2 letters from Huntington Bank on XXXX stating I opened 2 Huntington 5 Interest checking accounts online on XXXX. The letter has my maiden name being used and not my married name. I called Huntington on XXXX at XXXX and placed a fraud alert on those accounts. The representative stated they can be opened online with no ID. She instructed me to contact FTC and file a police report. There were checks and a debit card ordered on these accounts.