davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (TX)

On XXXX and XX/XX/XXXX multiple letters were sent in to XXXX XXXX, Equifax and XXXX disputing the inaccurate bankruptcy that was obtained through a third party and or Pacer by violating my consumer rights under the FCRA U.S. 1681g and They also have gone against the Public Records Acts Violations and Privacy Act of 1974! also XXXX XXXX in whom they received information from and they have sent me a letter of full deletion from my file. But when I sent the letter into XXXX XXXX they continue to tell me it's been verified and refuse to remove. How is that possible when the Bankruptcy court doesn't give out this information and the person XXXX XXXX that furnish them with the information removed in inaccurate and unauthorized data from their file. It seems unfair to continue to keep inaccurate information on my credit report. XXXX XXXX was reporting wrong filing date on all 3 bureaus, inaccurate court name and location, inaccurate bankruptcy number. It's just all wrong and I feel violated by the credit system and something should be done about this company expeditiously!
Consumer complaint received 2021-11-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (GA)

I.C. System is illegally reporting my private information to an uninterested third party/public agency without my authorization, and attempting to illegally collect a debt. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA.

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me.

2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with I.C. System for any reason and revoke any alleged or implied agreements made on my behalf without my knowledge or consent.

4. The This is an official notice to cease and desist collection and communication attempts, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

Here is my record ( timeline of my case ) about what happening with citibank credit card of my unauthorized charge. 

XXXX XX/XX/2020 - Received alert of XXXX charge from my Citi app. 
- Called credit card to inform the unauthorized charge from XXXX - XXXX credit card was cancelled immediately by citibank. Citibank re-issued a new card XXXX. 
XXXX XX/XX/2020 - I received letter from Citibank about my dispute. 
- {$470.00} was charged back to my account. 
- Citibank attached a document from XXXX about the purchase that I did not make. 
XXXX XX/XX/2020 - Call XXXX XXXX XXXX to talk to Citi security department. 
- They requested me to submit them a prove. 
- I told them I can not provide evidence to prove that I did not purchase it because it never happened.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

MISLEADING AND FALSE INFORMATION. 

XXXX XXXX XXXX XXXX {$8700.00} 15 U.S. Code 1692 consumer im not obligated to pay any debt.
Consumer complaint received 2023-04-02
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: Experian Information Solutions Inc. (DC)

The consumer reporting agencies has fail to fulfill their vital role to ensure that my consumer report. is fair and accurate to me as the consumer. I have not given none of these furnishers or consumer reporting agencies MY WRITTEN CONSENT to furnish this information on my consumer report. I have a right to privacy in which are being deprived of at the moment.
Consumer complaint received 2022-01-11
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: DISCOVER BANK (MI)

I purchased some pots and pans for a friend for XXXX, they did not want them so I returned them for a return. XXXX kept telling me I needed to wait for it as it already shows that it was delivered to them. I returned the item XX/XX/XXXX on a Tuesday and they got the return on the XXXX of XXXX and it shows delivered. It even says return received on the website and I still havent received my refund. I have uploaded proof of tracking and all of this and it still says that the transactions was found valid. This was very expensive and Im extremely upset that this company doesnt look at the uploaded documents you provide for these disputes.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Closed Credit Account 's. Closed for reason that are against Terms and Regulations. Incorrectly reporting History and Changing Information between Disputes that is inaccurate and Fraudulent. 

XXXX ) XXXX XXXX XXXX XXXX - Account Paid In Full. 
- Account Never Paid Late.

- Balance, Credit Limit, Payment Dates and More Reported Incorrectly -Fraudulent Changes and Reporting of Credit Reports . Numerous Changes From Reporting Late Payments to Never Late/Closed between Disputes. 
- Closer Of account Went Against Terms and Conditions XXXX ) Capital One Platinum Card - Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed.

- No Notice Of Returned Payment - No Notice Given For Anything Regarding Terms I went Against - Balance is Reported Incorrectly - Account Never Late - Account Always paid on Time/ As Agreed 3 ) Capital One Rewards Card -Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed. 
-Closer Of account Went Against Terms and Conditions -Account Always paid on Time/ As Agreed -Fraudulent and Incorrect Reporting on Credit Reports For Credit Limit , Balance History, High Credit Balance, Payment Dates and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late Between Disputes. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account Always paid on Time/ As Agreed - Closer Of account Went Against Terms and Conditions -Fraudulent and Inaccurate Reporting of Credit Reports of Credit Limit , Payment Dates and Amounts, and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late - Credit Report Shows Past Due Balance of {$0.00} on Months Claimed as Late, but still Shows 2 Late Payments XXXX ) XXXX XXXX XXXX - Paid Off in Full and Closed. 
-Always Paid On Time.

- Account Was Closed By Me, Not Creditor.

- Fraudulent Changes and Reporting of Credit Reports. Numerous Changes From Saying Late Payments, to Never Late/Closed between Disputes. 

XXXX ) XXXX XXXX XXXX - Change of Late Payment Date - No Report of Credit Limit that Negatively Effects Credit Utilization
Consumer complaint received 2021-11-07
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Nationstar claimed my house was foreclosed last XXXX ( XXXX ) and sale date was recently set for XX/XX/XXXX. I never received any notice of either hearing or judgement based on non-appearance ( only mail required regardless of receipt ). I have numerous correspondence with Nationstar including CEO asking for help in resolution before this action and never given responses or options. Prior, Nationstar had erroneously foreclosed and had took title of house in XX/XX/XXXX. I had an XXXX XXXX  which was to avert disclosure and pay off most of the following year expenses for taxes and insurance. Foreclosure was vacated in XXXX but title not reversed until XX/XX/XXXX!!! after numerous appeals to company and lawyers. As a result of title issue, I could not buy insurance and taxes XXXX XXXX % due to loss of homestead appeal. In the meantime, Nationstar sold the loan first to XXXX around XX/XX/XXXX. I notified XXXX  that I wanted to get forbearance under CFPB regs for lenders to " double down '' on helping borrowers avoid foreclosure. XXXX denied any knowledge of CFPB. I sent request in writing and never got response. Apparently, same lawyer represents both Nationstar and XXXX. Recently, loan was again sold to PHH with my asking for forbearance and no knowledge of CFPB requirements. Last week, I discovered that another party bought " mortgage '' of $ XXXX that was to be forgiven after staying in house for 2 years, apparently hindered by the change in title. Lawyers for Nationstar have been very uncooperative. Not returning calls for 10 days, taking almost a month for getting payoff data full of mistakes, refusing to even respond to my attorney in a timely manner when I am facing eviction in less than a month. I had a buyer but the delays and title issues may jeopardize. I believe that the law firm colludes with Nationstar to drag out responses until time runs out. I have already written to Secretary of HUD regarding the failure to follow procedure during the foreclosure process last year. I am now seeking help with CFBP to help. I have further evidence that the foreclosure may be in retaliation for a prior complaint sent to CEO of Nationstar. Further, the total lack of acknowledgment of CFPB existence and " double down '' efforts by banks probably impacts many who didn't work for the Secretary of HUD at one point and read through the regs. The lawyers avoid answering questions and providing answers. I fear that many other foreclosures will be made regardless of CFPB rules. Help!
Consumer complaint received 2022-04-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.
Consumer complaint received 2022-04-29
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. (CA)

In accordance to the fair credit reporting act XXXX  Account number XXXX XXXX  XXXX Bankruptcy 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.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of Identity theft. My Identity was using to get credits and the theft tried to rent an apartment as well with my Identity I listed a couple accounts that was open fraudulently, I want them accounts removed off my credit profile it is affecting me real bad!
Consumer complaint received 2021-11-08
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. (VA)

My credit report contains inaccurate reporting by XXXX XXXX XXXX. They have incorrectly reported that my payment for XX/XX/2020 was not paid within 30 days of the date that it was due. 
I submitted documentation to the company that shows clearly that the payment was made and the mortgage subsequently sold in XXXX to a new company so XXXX was not to receive the XX/XX/2020 payment. So they should have no rating for the month of XX/XX/2020.
Consumer complaint received 2021-11-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to Transunion on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. 

( PLEASE SEE ATTACHED LETTERS SENT TO TRANSUNION, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )
Consumer complaint received 2024-03-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (OK)

Sometimes in XXXX, to the best of my memory, is when I closed a savings account that still had a monetary balance on it. 

Upon closing the account, I asked the banker to move the money into my checking account. He said he was. 

Eventually, I realized that the money was never moved into my checking account. 

I got in contact with Wells Fargo, and they claimed that they sent it in the mail. I emphasize that, if this was true, it was done without my permission and without my knowledge. 

Ever since then, I have been trying to recover the money, but they give me the runaround and avoid ever reimbursing it. 

They have told me multiple times that they were going to give me my money back, but they never have.
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank already knew that I was a victim of fraud, but a stranger opened a new checking account and saving account online every week, and negotiated with TD BANK many times to let them lock my work card and dont approve me. The work card opened a new account, but they said it could not be done. No results were obtained for two weeks. The new fraudulent account was opened every week. I went to the police. The police asked for a fraud investigation report issued by the TD department, but TD bank refused to give it to me.
Consumer complaint received 2020-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing (TN)

I contacted Volunteer Mortgage Loan Servicing the end of XXXX of this year to make sure that my mortgage insurance will decrease according to my principal and will reflect on escrow analysis. A supervisor assured me that this would happen and it didn't. It decreased by {$.00} as if I had paid the minimum monthly payments all year, but I had my principal down almost {$20000.00}. I emailed them months ago because they were not accepting calls, and I don't think they replied. I called them in XXXX, and they answered. The rep told that they get their numbers from HUD. I contacted HUD and they said to contact your agency. It just seems like I'm getting the runaround and no one wants to get the bottom of my concern/request. It's very frustrating that I have to go through for something that I feel like should already be happened. The amortization schedule that my closing attorney gave me shows that my mortgage insurance should have decreased by almost {$13.00}. I want to get this rectified because I am continuing to pay extra on my principal, and I don't want to have to go through this again next year.
Consumer complaint received 2018-02-05
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: AMCOL Systems, Inc. (TX)

I obtained a copy of my credit report in XX/XX/2017 and noticed that XXXX XXXX XXXX XXXX ( Reporting as Amcol ), Inc.was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to Amcol in XX/XX/2017. I requested that they provide me copies of any documents proving my indebtness. See attached. I have not received any documentation to date to support the inaccurate, unverifiable entry they are continuing to report on my credit report. This company has had almost 6 months to respond. I have no recollection of ever owing them nor ever doing business with them whereby I signed a contract. The reporting of this entry is violating my consumer rights and therefore, should be removed immediately. 

The company should provide proof of all HIPPA information whereby I gave the XXXX XXXX XXXX XXXX permission to allegedly share my information with them as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. 

Further, where are the copies of the letter XXXX XXXX XXXX should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, Amcol, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt. As stated above, I have not received anything from this company.
Consumer complaint received 2019-11-13
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: Early Warning Services, LLC (GA)

I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as XXXX  and Early Warning Services have a XXXX  XXXX XXXX checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (VA)

I purchased a vehicle from XXXX XXXX in XXXX VA. I had a XXXX XXXX XXXX which I leased from a XXXX Dealership in 2015. I went to XXXX XXXX to trade this vehicle in and purchase a new one. XXXX XXXX staff XXXX XXXX as well as XXXX, XXXX XXXX ( GM ) all made me believe that they would accept the XXXX as a trade in, asked me for my keys and kept the vehicle for almost 2 months. They advised me they would pay the XXXX vehicle off and add the charges/debt to the purchase of my new car loan. It wasnt until XXXX began harassing me for payments for the next 2 following months that I called XXXX XXXX and asked them for proof that they had paid the XXXX vehicle off. They then advised me that I needed to go to the dealership and pick up the XXXX ( without tags ) and take it myself to a XXXX Dealership and turn it in. About 2 days after I reached out to XXXX XXXX to ask if they had paid the vehicle off and they told me that they would only pay for the last 8 months that was left on my lease, but any mile overage along with any late fees, wear and tear usage charges would be my sole responsibility. Here I am now 2 months later due to my own investigation with a damaged credit for late payments since XXXX XXXX has not paid the XXXX off as well as a balance of over {$4000.00} for overage on miles, late fees, etc. I have asked to speak to management with the dealership but they never return my calls. I even reached out to XXXX XXXX in North Carolina via emails which I still have but they have not replied. I also reached out to a supervisor in the Corporate Offices who has also ignored my emails.
Consumer complaint received 2018-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

after over 30 years of having this Citibank checking account with no issue, the bank now holds deposited money for days with no explanation why. I discussed this issue with the bank manager with no resolution or information. I then was on hold for 26 minutes to talk to a phone rep who could  not help me then transferred me to a XXXX from XXXX when said he could not help me and had no information for me then when i asked to be transferred to someone who could answer my question he hung up on me. I need proper access to MY own money. Please help me. Thank you.