davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (MS)

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 a account without my written instructions. 

XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (TX)

In XX/XX/XXXX I lost my XXXX XXXX credit card & I have contacted the credit card company. When I called them to report that credit card is lost figured out that there is a purchase of {$850.00} on my card for a Camera. I filed a dispute & they sent me a new card with a new number then in XX/XX/XXXX found a letter from credit card company say that dispute was declined & they will charge me the amount of the Camera. When Contacted them again in the beginning had a very rude representative who refused to help me & hanged up the phone & when I called again another agent was so helpful and opened another dispute claim then now in XX/XX/XXXX they delcined the dispute again sending me in mail that I have to pay this amount without even showing any evidence why the declined the dispute.
Consumer complaint received 2018-03-07
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. (FL)

I am a XXXX XXXX XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/2013. 

During the administrative work with SSA and US Dept. of Education and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. 

I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus.
Consumer complaint received 2018-10-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

Its hard to believe that after 19 long months fighting these masters of technicality, they are still causing me problems. You have on file some of the problems I presented many months ago but they never quit! They are corrupt and I have proof! Even to the point of the final signing with my ex-spouse, they fought. Signatures on XX/XX/2018 were initially rejected, after they were rejected a week before and forced us back before a notary. Yet, when I called no one could spot anything wrong with the signatures!! They insulted the integrity of the bank notary, myself and my former spouse. A XXXX, in their Ombudsman dept. did ask for a " Why '' on the second notary signing and it was overturned. One person in 19 months that actually helped me, ONE. Now, after all this, Ocwen received my XX/XX/XXXX payment on XX/XX/2018 and that's when they actually accepted the signatures. That's right! I was told by including XXXX my payment history would not be updated until the first week of XX/XX/XXXX. Lies. Now they tell me they are not going to update my payment history until the end of XX/XX/XXXX.!!!! Its a shame. Its hurting me, really bad. The new reduced payment amount of the mortgage is showing at the credit bureau, that is {$1100.00} but I am still showing 120 days PAST DUE!!!! IT isn't fair. They are constantly on a witch hunt, a fishing expedition and change the rules just anytime, whenever, wherever .I cant begin to express the humiliation, daily pressure, the ungodly days and nights I've spent with this, and again, had I known just how wicked they were, and that they were facing a cease and desist order I would not have fell into their mod trap. I expect them to correct my payment history at the credit bureau immediately to show current and paid to XX/XX/2018 Ocwen also needs to immediately stop sending my former spouse 's mail to my address. They apologized for this a year ago but started right back months later. She was patient and cooperative during the signing process and I am thankful and wish her sincere blessings. I am paid to XX/XX/2018!! 
Thank you CFPB XXXX XXXX XXXX XXXX XXXX. # XXXX
Consumer complaint received 2024-02-27
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been charged for a card and I havent received a card for the company and someone else used the card with my information so and they sold my information to a debit collector where is tho I feel like I dont owe it to them because they only reached out while I was at work when I called to discuss the matter they still did not help fix the situation. Capital one year of card was XXXX the amount they are trying to charge me is almost {$590.00}
Consumer complaint received 2018-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

The last time, I have responded to this debt collector was on XX/XX/2018 n response to their letter on XX/XX/2018. 
I have responded to this debt collector asking them to show proof of the original debt in the amount of {$380.00} and the second one {$890.00} for services rendered by XXXX XXXX XXXX of XXXX and that it belongs to me. They have not done so, yet they keep reporting it to the credit bureaus. It's been affecting my credit score and my overall credit health. I have asked them multiple times, kindly, in writing to supply proof, but they have not.

I have no knowledge of this medical bill and would gladly pay it if I was fully aware of its original existence. The next step will be to file a complaint with the Pennsylvania Attorney General 's office to make them aware of the unfair business practices of this company, followed by filing civil charges against Ability Recovery for violating my credit history without solid proof.
Consumer complaint received 2018-03-07
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. (FL)

I am a 100 % XXXX XXXX. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/2013. 

During the administrative work with SSA and US Dept. of Education and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. 

I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus.
Consumer complaint received 2018-03-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (IL)

Chase is engaging in the practice of double deducting payments and double crediting deposits. I just tried to fix my last issue with them since they reverse a payment they were not supposed to causing my account to go negative. 

They gave me a credit on the double deduction, and a later realize that they double credit my account. Messing up my recordkeeping. 
This has happened at least 3 times in the last 6 months
Consumer complaint received 2021-03-03
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. (SC)

To whom it may concern, I contacted the credit bureau about this issue and ask that this item please be removed off my account on XX/XX/2021 and nothing was every done I ask that this item be removed as quickly as possible this is causing my family and I great XX/XX/XXXX
Consumer complaint received 2018-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

I have accounts with TD Bank. My account online access was locked at the end of XXXX due to some suspicious activity -- I attempted to transfer money to my self at some IP address in Massachusetts. My complaint is why this issue can not be resolved even near the end of XXXX. 

The online access was locked by Fraud Department. I have contacted the department and TD customer services many times. Here is a list of details that I can remember : * TD customer service provided me the phone number of the fraud department. I contacted the department well over a dozen times. I could never reach any person there. I always left a message to get call back. Initially I did get call back. But recently, I don't even get call back. Sometimes the answering machine was full I could not even leave a message. 

* I got callbacks from Fraud Dept several times. Here is the list of instructions and results : 1 ) First she ( the person in Fraud Dept ) asked me to go to local branch and from the local branch to contact her ( not sure why it must be this complicated ). So I went to local branch ( in XXXX ). But the local branch could not reach the person. I came back and left message to Fraud Dept, who called me back saying she was in office at that time. She suggested the local branch may not use the right method to find her. As a customer, I have no idea how TD Bank contact each other. Why is it my responsibility to connect your guys internally? 
2 ) Later, I got her call back again ( after I left many messages ). I was told I could go to local branch and start a new TD account and transfer all existing accounts over. So I did that. However, the local branch said the lock was placed on my name and SSN. Unless I change my name, I could not open a new account. So that trip resulted no solutions. 
3 ) Since then, I attempted to contact Fraud Dept but never got any call-backs. I have spent many hours with Fraud Dept ( each branch visit required me to take work hours off since Fraud Dept only works from 9-4? weekdays ). 

* My contacts with customer support : I have called many times ( 20? ) The good news is that I could always speak to someone. The bad news is that they can not do anything about it. They said Fraud Dept is above them. 

* My contacts with local branches : As mentioned above, they could not do anything either. 

In summary, the Fraud Dept at TD Bank is a self kingdom nobody can touch. And they simply don't respond to customers. What options do I have? After nearly five months, my account online access is still locked. I have no choices but to go outside TD Bank to seek a solution.
Consumer complaint received 2022-09-15
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)

I sent copyright infringement notice and it was received on XXXX. I gave the company 10 business days to comply with my notice. I received notice that I put in a dispute but I put in a demand to comply with notice. The credit reporting agency doesnt have my written consent nor have a permissible purpose according to : 15 USC 1681 Section 602, 15 USC 1681 Section a section 2 and 15 USC 1666b
Consumer complaint received 2023-01-18
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: WELLS FARGO & COMPANY (TX)

Wells Fargo. 

In XXXX Wells Fargo told us that when we pay our card down they will give us a XXXX percent APR. We paid the card down and they raised the APR. 

In XXXX XXXX started charging our credit card {$300.00} a month. We could not figure out why or where it was coming from. We called Wells Fargo once we discovered the charges and asked them to block/dispute the charges so we could figure out what was happening. They agreed to not close the card and we didnt hear back from them. They cancelled my credit card without authorization and issued a new card which kicked us out of all of our bill pay, my childrens school, and every other auto payment that was established on our card. They then re-established the charges with XXXX and stopped blocking their charges to the tune of over {$6000.00}. We have spent the past 9 months trying to resolve this issue. Wells Fargo continues to promise to help yet they do not and continue to charge 26 % interest on charges that are fraudulent. XXXX does not respond to us yet they have responded to Wells Fargo saying that they are going to continue to charge us. 

They have wiped out every bit of revenue from my small business, caused us months of stress and anxiety, and they refuse to settle the fraud from XXXX.
Consumer complaint received 2021-09-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (MS)

on XXXX XXXX, i sent CAINE WEINER a letter about validation of the alleged debt of XXXX that i don't owe.It was sent usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was delivered on Delivered : Tue, XX/XX/XXXX, XXXX XXXXCAINE WEINER sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$490.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, CAINE WEINER has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am concerned that the credit bureau is not correctly sharing my credit information. My credit score is excellent yet I am being offered exorbitant interests on loans, credit cards, and credit card offers. I recently again checked my credit report and one of my accounts transferred from XXXX XXXX  to XXXX XXXX XXXX  continues to show as closed on my credit report and not removed from my credit report. The credit bureaus can not explain to me why I am being offered such high interest rates with my excellent credit. 

Also, I have filed for reimbursement for my XXXX XXXX credit information being hacked and after several months of waiting, I have not yet received a response nor reimbursement as required by law.
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

Pulled my credit report on XX/XX/XXXX, and saw that Midland Credit Management placed a collection account on my credit report. I have not received any communication from this company regarding this debt or any opportunities to dispute it. I do believe that the law states that I have the right to be notified of a debt prior to it being placed on my report and given the option to dispute within 30 days of receiving that communication. Midland Credit Management has not attempted to provide me any written communication regarding this debt. The practice of placing collections on accounts without any notice is illegal and this company should be held responsible for its actions. This collection claims to have been opened in XX/XX/XXXX, yet, this is the only time I have been made aware of this. I also placed a call to XXXX XXXX, the so-called original creditor, to see what this debt is and they were unable to find any account of mine that has not been paid off already.
Consumer complaint received 2021-03-02
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: MARINER FINANCE, LLC (KY)

I have been battling identity theft since 2015. I have contacted XXXX more times that I can count over the past several years. I have sent in police reports and divorce paperwork and identify theft paperwork over and over and over and over again. Out of all 3 credit reporting places XXXX refuses to remove the identify theft from my report, even though every other agency has removed it. They are still reporting Mariner Finance LLC on my credit report even though I have proven time after time after time that account DOES NOT BELONG TO ME!!!
Consumer complaint received 2022-05-02
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. (VA)

The following company never proved their methods of verification through several stages of written credit disputes : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

the credit bureaus all failed to respond within the proper timeframe and also failed to prove their method of verifications on how they " verified the information as accurate '' according to my most recent credit report that I obtained through myfico. 

No response from any of the credit bureaus within the given timeframe nor the companies. the companies have also tried to contact me illegally during this timeframe which is illegal to do in accordance with FCRA guidelines when disputes are underway.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XX/XX/2018 - There is an incorrect address listed on my Experian credit report. I have never lived in Massachusetts.

Experian will not handle the dispute online.

When I call to have the dispute handled, the wait time is 2 hours. This is unacceptable.

I can not help but feel that Experian is a scam website. My first credit report came out without this fraudulent information - granted, it had *other* fraudulent information - but the most recent one includes two pieces of *new* fraudulent information. Are they trying to scare me into buying their product? How did my credit report get so much worse in the 2 weeks that I have been using Experian?

Thanks.
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (TX)

I accidentally made a payment online twice via ACH though my checking account. I immediately called them to cancel the second one that still showed pending on my transaction history screen. They told they would not cancel the ACH and that I would have to issue a stop payment through my bank. Which would have caused the payment to be returned with them resulting in additional fee 's from Compass. My bank would have also charged me a stop payment fee on the ACH transaction as well. The rep I spoke with was XXXX. I finally told him to post it as a principle only transaction since they refused to cancel it.
Consumer complaint received 2018-10-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Heavner, Beyers & Mihlar LLC (IL)

I ask the Debt Collectors to prove that I owed them the debt when they filed a lawsuit against me, but it is pass the Statue of Limitations to collect on this debt, however, they were still granted a Summary Judgment and I would like to report this business to seek relief from this crime or unfair consumer practices of XXXX as Trustee, XXXX XXXX, XXXX XXXX XXXX, XXXX and Heavner, Beyers & Mihlar, LLC.