davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (GA)

Transunion Credit Bureau is reporting inaccurate inquires on my credit report. 
The below letter was sent certified mail XX/XX/XXXX. 
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : The following hard inquiries are FRAUDULENT.Please delete them. Since I have never given permission for them to inquire about my credit status, they are unauthorized by me.
Consumer complaint received 2022-04-02
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: CITIBANK, N.A. (OH)

XX/XX/XXXX I had two charges show on my Citi Card. One in the amount of XXXX. One for XXXX. The charges were XXXX XXXX charges based out of Texas. I do not live in Texas, I have never been to Texas, I do not know anyone in Texas. I still had possession of the card. I also have two finance charges related to the fraudulent charges, on XX/XX/XXXX, XXXX for XXXX and the second for XXXX. Citi caught additional charges and shut the card off noting fraud on the initial day of the XXXX  transfers. I called and disputed the charges and they sent me a new card. They never contacted me regarding the dispute so I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire about the fraudulent charges because they did not issue a conditional credit and the interest charges were running. I received a letter in the mail on XX/XX/XXXX regarding my dispute being closed due to lack of necessary information stating that I did not provide information they needed. Thats patently false and with having called 7 times previously it is absolutely absurd to think I was not available to provide necessary information. Now when I call the call center they basically tell me the dispute is re-opened but there is no record of it on my account, nor can anyone see the re-opened dispute when I call them.
Consumer complaint received 2021-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc. (CA)

I was taken a debt collection agency because XXXX  office that i went to said i owed them {$240.00} that i don't have i paid it anyways so i won't be harassed by e-mails etc. My wife recently passed away due to XXXX we have XXXX year old i am struggling for money right now
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (OH)

Notice for Proof of Claim Account : Apelles LLC XXXX ( XXXX ) To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2017-06-03
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. (KS)

My TransUnion credit bureau was pulled by  XXXX  on   XXXX    . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Consumer complaint received 2021-09-13
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. (CA)

Equifax credit report shows a 30 day past due on XX/XX/XXXX. I filed a dispute with Equifax and also contacted XXXX XXXX XXXX. XXXX XXXX XXXX replied to Equifax that the payment history/prior reporting is accurate. 

I called XXXX XXXXXXXX XXXX 3x to get an account history. They could not locate the account even with full account number because it was " archived ''. I finally was able to get a copy of the last statement on this account which is dated XX/XX/XXXX. The statement shows the account paid in full and closed. This is affecting my credit score. The account was paid off in XXXX of XXXX.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Due to Financial reasons as a single mother Ive had to file for chapter XXXX bankruptcy in XXXX and then again in XXXX. XXXX, Experian and XXXX all still currently have the bankruptcy from XXXX, all of my old addresses, old judgements and old inquiries still listed on my credit report even with me asking them to properly update this old information. I will never be able to move on to repair my credit with old lingering accounts post Chapter XXXX.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I have Opt-Out from XXXX XXXX XXXX XXXX and set a letter on XX/XX/year> which is attached to this complaint. See previous CFPB complaint # XXXX regarding this.
Consumer complaint received 2021-09-13
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: Southwest Credit Systems, L.P. (PA)

These accounts are erroneous. I do not recall said accounts and have made steps to try and get this issue repaired by all reporters. I have a right to fair credit reporting and to dispute anything that is incorrect.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

It all started on XX/XX/XXXX when I noticed that Coinbase inc. withdrew {$500.00} on XX/XX/XXXX out of my bank account without my authorization. The worst part is, they withdrew the money, but not deposited it into my coinbase account. So basically they took money out without my permission and deposited it somewhere else. I already opened a fraud case with my Bank so they can look into refunding my account. I contacted coinbase immediately on XX/XX/XXXX and opened a case, case # XXXX. I immediately received a response that my account was locked and to follow a few steps to unlock it. I followed the steps and sent them a follow up email saying it was completed. I do not understand why they locked my coinbase account when my bank account was withdrawn not my coinbase account. Anyways, that was the last I heard from them. I sent 3 emails on XX/XX/XXXX, 2 email on XX/XX/XXXX. I opened up another ticket with them on XX/XX/XXXX thinking I can get an answer. On XX/XX/XXXX I received an email saying my cases were consolidated to case # XXXX and an agent will reach out to me in 4 to 5 business days after review of the case. The 5 business days came and are now long gone and I am yet to hear back. As a courtesy before I filed this complaint, I emailed them one last time on XX/XX/XXXX asking for status. Still no response. Unfortunately this is the only way to communicate with them.
Consumer complaint received 2018-06-28
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Slovin & Associates Co., LPA (TN)

My name is XXXX XXXX and I am writing a complaint against the law firm of Slovin & Associates of XXXX, Ohio in regards to my student loan account which they purchased. 

I have repeatedly requested a written record of my account details including my remaining balance and the interest rate ( which I was told was 12 % ). 

I spoke with a woman named XXXX on several instances ( the last being XX/XX/2018 ) and was given verbal confirmation that my interest rate on a student loan was at 12 % .I expressed my concern at the absurdly high rate and she informed me that I could submit a letter for review requesting a lower rate. 

After a month had passed with no written letter containing the information I requested, I made another phone call on XX/XX/2018 and was connected to a man named XXXX. 
He told me that he was legally not allowed to send me any information on my account in writing. When I pressed him on this issue, he couldn't back up this statement with any fact and actually started to laugh at me the more questions I began to ask. 

When it comes time to pay this law firm every month ( which I have been ) they have no problem taking the money, but if I request information on the details of my account, they tell me it is illegal for them to do so. How is this legal? How is laughing at someone trying to get information acceptable? 

This is also the law firm that sued me and garnished my bank account of the only 2,200 plus dollars that I had to my name. I had no money to live on for months.
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (DE)

XXXX XXXX and XXXX XXXX ran hard inquiries into my credit for secured credit cards and on the site it explained they do n't run hard inquiries on such credit applications but there customer service representative utterered something different over the phone speaking to the contrary. I need these XXXX hard inquiries removed from my credit report. Also exqufax has the wrong social security number and does n't want to fix this I need these two issues resolved as soon as possible.
Consumer complaint received 2017-06-03
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: Experian Information Solutions Inc. (FL)

Have been doing this with Experian since last year - I have attached the previous disputes like requested. I have specifically asked that I be sent valid proof that these accounts belong to me. Not a piece of paper that states that it has been updated. I was verifiable proof that each account that I have been disputing is 100 % mine and accurate - If that can not be given in the time frame of the 30 days that are permitted, then each and every account that can not be verified needs to be deleted from my credit file immediately.
Consumer complaint received 2017-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

This is my last effort to resolve this matter before I pursue to taking legal action.   This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.     The company failed to satisfy validation requirements, and all the while kept on reporting the account on my credit report as though it was an accurate account with no disputes. This is a blatant violation of the Fair Debt Collection Practices Act
Consumer complaint received 2016-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

XXXX problems have occured 1. Chase received my XX/XX/XXXX mortagage about XX/XX/XXXX. There was an error in processessing my check and Chase stated that my check was NSF, in reality it had never been processed by my credit union. Chase was promptly notified of this error by me on XX/XX/XXXX. The error was not corrected until XX/XX/XXXX timeframe after I had submitted a copy of the issued check. Chase reported this to the credit bureaus even though I had nothing to do with the check processing error. 
2. This account was current after XX/XX/XXXX after my XX/XX/XXXX mortagage payment ( cleared XX/XX/XXXX ) and XX/XX/XXXX mortgage ( cleared XX/XX/XXXX ) I pulled my credit report on XX/XX/XXXX and the credit report stated that {$3400.00} was past due as of XX/XX/XXXX. 
Both items listed above were caused by Chase Mortagage and my credit it being negatively impacted by their processing errors. In addition Chase is reporting erroreous information to the credit bureaus since this account was brought current on XX/XX/XXXX. To this date XX/XX/XXXX, the credit bureaus continue to indicate a past due balance of {$3400.00} as a result of Chase 's errors.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I sent Experian a notarized dispute letter regarding inaccurate personal information back in XXXX and they failed to respond. So I filed a second dispute letter along with a copy of the notarized letter regarding the same issue in XXXX. I requested that one name, one address, and one phone number should be present on my report, and any other personal information than what I put on my notarized letter should be removed immediately. Experian responded by removing the last 4 digits of my postal code, and that was it. Simply put, they ignored my dispute all together and should be held accountable. They completely ignored my letter in XXXX, and chose to ignore my XXXX dispute as well.
Consumer complaint received 2019-06-02
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: Experian Information Solutions Inc. (TX)

On XX/XX/2019, I was alerted to possible identity theft by receiving a letter in the mail from XXXX XXXX for an account opened on XX/XX/19 with them. After reading the letter, I realized it was financing for a XXXX XXXX purchase. I contacted the XXXX XXXX on XX/XX/19 and informed them of the fraudulent purchase. They contacted XXXX XXXX and I spoke with them while they begin their investigation. This prompted me to freeze my credit report and place a fraud alert with XXXX, Experian, and XXXX which I did successfully. I then pulled my credit reports with them and noticed inquiries that I do not recognize on each of the reports. 

I called the numbers for each of them and they were unable to help me dispute an inquiry, only to dispute an account. I believe I am a victim of identity theft and need help removing these fraudulent inquiries from my report which are detailed in the resolution section of this request.
Consumer complaint received 2018-06-29
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 — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF OMAHA (ID)

Re : First National Bank of Omaha I was walking out of the post office and made the call from my phone in the car after a long trip for my job. I dont know where to turn. 


Im so upset! Can you give me some advice? 
Ive had a card with them for years, no bad reports or lates. I found myself in transition selling my home if 16 years to relocate and start a new job 4 hours north. Im divorced and a very capable single female. I travel for a part-time XXXX job all over XXXX and XXXX, XXXX a rental remotely that houses 4 professionals & I XXXX XXXX XXXX. I work hard very hard and many hours. I called to talk to a phone rep to pay off my credit cards. I paid {$5700.00} and change to ensure it would be paid off because I wanted the cards to go away during this very busy time. My daughter is also coming to visit with her husband from XXXX XXXX. Im also shopping for a house during my transition. Im actually still moving from my prior residence of 16 years. This is why I called to pay this card off. Im overwhelmed. I arrive back to my PO thinking all my bills were paid with the exception of my car and utilities. Come to find out I had a 30 day late that they reported without skipping a XXXX beat! No phone call warning, nothing! Ive talked and disputed this but they are standing by their pat disclaimer. One of their phone reps snickered as I was explaining. Another better one, a guy said that the fee was slapped on right after I made the payment!!! Obviously you dont pay a bill with that amount with any idea this would ever happen. I knew the time was just flying so I did my due diligence to pay it off. I was begging them to reverse the damage. Heartless people!!! NEVER DO BUSINESS WITH THIS BANK!!! 
My credit score WAS very good. Now I cant purchase my next home until this gets fixed. Please help!
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

American Express have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that American Express is reporting not them, but when ask American Express tell me my account is no longer with them and XXXX XXXX has it. So if that's the case why is American Express reporting late payments to the bureau and I have paid my balance with XXXX XXXX.
Consumer complaint received 2018-06-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (CA)

XXXX XXXX acquired my VA home loan from XXXX sometime in 2017. Due to their flawed business practices and poor accounting, they failed to reconcile my home insurance information and proper property address from XXXX. Consequently, they took out an unauthorized and unnecessary insurance policy on my home which already had insurance through XXXX. 

XXXX sent the insurance policy by fax numerous times, their automated fax system failed to reconcile my insurance policy as well. I eventually provided the insurance policy from XXXX through an online portal on the XXXX XXXX website, but they already had the policy open for at least a month, resulting in at charge to my account of over {$170.00}. 

XXXX XXXX and their collection company XXXX ( XXXX XXXX XXXX ) have been harassing me by phone and mail to pay this additional amount and I refuse, because the policy was unnecessary and I never authorized it. It's their policy, and they should pay for it. I shouldn't be punished because they have flawed business practices and poor account management. I never authorized them to purchase my loan from XXXX and I wish they never had as it's an incompetent company. 

Please step in and protect me as XXXX XXXX has been unwilling to pay for the mistakes they made and I shouldn't have to pay my hard earned money to a crooked company.
Consumer complaint received 2016-03-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XXXX/XXXX/2015, I closed my bank account in person at the XXXX, IL location for Fifth Third Bank. 5/3 re-opened this account and proceeded to charge me upwards of {$900.00} in NSF fees, although I had closed the account in person. Any transactions that had come through were unauthorized and/or fraud. 5/3 failed to notify me by letter, phone call, or provided me with any statements indicating the account was overdrawn. In fact, they had blocked my online banking user id, so I was never even able to look at the account again after it was closed.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

The Money Source is my Mortgage company. I filed a bankruptcy and my case was dismissed in XX/XX/2022. I have been sending in a {$100.00} extra dollars on my account to go towards interest. However, XXXX informed me that they were not applying the payments towards my interest payment instead they were applying it because there attorneys charge their services to the clients whenever a bankruptcy is filed. I have never heard of this before and I said so. At this point I said I have never agreed to this and there is no documentation saying the opposite. XXXX  then informed me that I did not need to file anything because this is done automatically. I want the money I have paid to go to paying my interest down this is the only resolution that I am seeking.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Instead of updating report to the correct amount and no late payments, they changed the amount of loan to XXXX XXXX dollars. Having me to re submit an additional dispute in regards to my XXXX XXXX bank account number : XXXX