davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
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. (FL)

I have been trying to dispute a bankruptcy reported on my credit reports several times but it has yet to be removed. I spoke to the Clerk of Courts in XXXX County where the bankruptcy was filed and was told they did not report it to the bureaus but the bureaus keep stating this information is being verified by them. I also requested a my records from XXXX and was advised they have no record of a bankruptcy on file. Although I have disputed this inaccuracy several times they have yet to remove it.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX while writing out bills, I noticed that Home Depot was not applying any monies to the deferred interest accounts that we have with them. Since XX/XX/XXXX I have been making payments, assuming that the deferred accounts were being paid down. I now have over {$1500.00} that has never had one dollar applied to the account.

I called Home Depot on XX/XX/XXXX and spoke with a representative and a supervisor that told me they do n't have to do that and I would have to call them each month and tell them where to apply the monies I paid. I told them there is nothing that I could find on the bill that indicated I would have to do any such thing. I told them it was unethical and it was obvious that they offered the no-interest as a way to get more money from their customers.

I am an authorized user on the card and I then tried to re-direct the XX/XX/XXXX payment to pay part of the no-interest accounts, at that time they would not allow me to make the changes and would have to have my husband make those changes.

Unethical, lying cheats!!!
Consumer complaint received 2022-04-06
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)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2020-11-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I allegedly had A loan with A company by the name of XXXX XXXX in XX/XX/XXXX. I have submitted several disputes to all 3 credit bureaus to have this account removed as It was not my debt and I was A victim of identity theift. Aside from that it has been 7 years since the account was reported delinquent. According to Transunion they have the last activity date for the account as XX/XX/XXXX and XXXX  and Transunion has --. I reached out to XXXX at XXXX XXXX r and he provided the attached itemized statement below showing the account went into delinquent status on XX/XX/XXXX because their was no payment made. I spoke with XXXX at XXXX XXXX branch number XXXX at world finance who also informed me there was never A payment made on the account since it was open XX/XX/XXXX. He informed me the XX/XX/XXXX date that transunion has reported was the day the account was charged off as A bad debt. According to the three credit bureaus websites and law it states A charged off account should fall off after 7 years from the FIRST DATE OF MISSED OR LATE PAYMENT on the charged off account. According to XXXX XXXX the account went delinquent on XX/XX/XXXX which mean As of XX/XX/XXXX this account should be removed from all 3 reports. I have submitted several disputes and have been unsuccessful with getting A response. It is A violation of my rights to continue to report inaccurate information. If needed the 3 credit bureaus should contact world finance to confirm the information provided in the dispute for clarity that this account was fraud and it has now been 7 years and should be removed completely from my report effective XX/XX/XXXX or you will be in violation of FDCPA laws!
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

My account was credited with membership rewards points from purchases across 4 American Express charge cards ( Platinum, PRG, Business Gold, and Green ), however, American won't let me use it. On XX/XX/XXXX, I tried using my MR points by transferring XXXX points to XXXX which is a partner airline. The transaction was not successful and the message I got is that I am under spending review. I started a chat session with customer service and they informed that I just need to call the MR points customer service department to authorize the transfer. The MR customer service department was closed and have to wait the following day to call. 

On XX/XX/XXXX, I called the customer service number ( XXXX ) and spoke to a manager ( XXXX with employee ID XXXX ). He informed that I am under spending review and he is not capable of escalating or fixing the problem. I asked him why would MR points be credited to my account and won't let me use it? I don't understand the logic, I said. He said he does not know. At that point I asked him to transfer me to someone that has the authority to fix the problem on my account. He informed me that there's no way for him to transfer me to the proper authorities. 

All the purchases on the credit cards are all valid and eligible under American Express terms and agreement. I planned on using my points that I earned for my upcoming vacation.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

On XX/XX/20 I purchased my home in XXXX PA. On XX/XX/20 I lost that home and mostly everything I have ever owned in a tragic fire. Looking past that, on XX/XX/20 XXXX XXXX issued payment for this loss in the sum of XXXX. The check was made out to both myself and XXXX XXXX. It was subsequently cashed and held in escrow by XXXX XXXX per process. When reconstruction began XXXX XXXX made an initial distribution without issue. The requirement for further distributions would be progress inspections. Distribution amounts would be based on % completed until all funds were distributed. However before another distribution was needed the mortgage was sold to XXXX XXXX. It then took XXXX XXXX two months to get their paperwork in order, order and perform a progress inspection and make another distribution. In similar order, before the next distribution was needed the Mortgage was again sold, this time to Freedom Mortgage which brings us to the present. I have been working in excess of 3.5 months trying to get Freedom Mortgage to get their ducks in a row to no avail. After dozens of phone calls and dozens of emails they are now requiring documentation ( contractor bids and contracts specifically ) that do not exist. The previous two Mortgage companies did not require this structure and as such it was never established. The other Mortgage companies required progress inspections which successfully took place resulting in distributions. I simply can not provide Freedom Mortgage with this information/documentation as previously stated because it does not and never existed because it wasn't required from the beginning. Additionally there isn't one general contractor, there are dozens of individuals working on this project, none of which are from large firms. I have no way of going back in time to satisfy this need of theirs that was never previously required. They are the third company that has held this mortgage since the fire and I don't see what gives them the legal right to withhold my funds needed to finish rebuilding my home because they want to change the process 11+ months in. I need the remaining XXXX to not only finish construction on my home but to also pay back my savings that I have effectively drained floating this project along during these unacceptable delays. This is now bringing construction ( the final stages ) to a stop as I have exhausted my savings trying to keep construction moving along and keep everyone paid throughout these unacceptable delays caused by Freedom Mortgage.
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (IL)

Hello, The requirements for BMO Harris incentive were two deposits for {$300.00} within 90 days. 
Account opening : XX/XX/XXXX ( 90 days would be effective on XX/XX/XXXX ) XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX{$300.00} XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XX/XX/XXXX{$520.00} XXXX XXXX   XX/XX/XXXX{$670.00} The above fulfills the deposit requirements. 

Please have BMO deposit the {$200.00} offer.
Consumer complaint received 2021-07-20
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. (NC)

I have sent a certified letter to XXXXXXXX XXXX XXXX asking them to provide my documents bearing my signature of opening an account with them which they have not provided or responded.
Consumer complaint received 2021-07-20
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. (CA)

im filing this disputes because I have sent in a letter to verify the inquires on my credit report and have no been notified of the investigation. I sent In the letter on XX/XX/2021 and it has been well over 30 days of noncompliance. please help me resolve this matter as I refuse to wait any longer for further investigation. to my understanding the agencies have 30 days to investigate and the time is up, so please remove the unauthorized inquiries from my credit report promptly. as pursuant the fair credit reporting act 604 15 USC 1681b ( 3 ) information regarding inquiries, in section 609 ( a ) ( 5 ) 1681g a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer.
Consumer complaint received 2020-01-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ad Astra Recovery Services Inc (NV)

I received a credit alert of new collection debt on my credit report XX/XX/2020. I immediately attempted to dispute the item because I have never received any notices to pay or know how the balance is what it is. I requested a investigation with all 3 credit bureaus to get more information on this account through Ad Adstra Recovery XXXX XXXX XXXX. 
Instead of receiving information from the collection agency I was served with a lawsuit from XXXX XXXX directly without any type of response regarding verification of debt. They are threatening to garnish my wages in a civil judgement now because I asked about the validity of the balance owed. They have not given me any opportunity or notices prior to serving this notice. It has only appeared on my credit for 30 days prior to lawsuit.
Consumer complaint received 2021-01-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

When Covid started I was given the option to not pay the vehicle for 3 months due to lack on income. When i checked my credit report it showed I was late 30 days not once but twice in XXXX and XX/XX/2020.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

Experian breached my account and now my SSN is on the dark web. They are suppose to provide FREE monitoring of my credit accounts due to their fault of breaching my private information. I am a XXXX and don't have time to follow up on incompetent reporting-that should be your job. They decided to charge me for a membership and refuse to remove it or reimburse me. I called them XX/XX/2022 and notified them of this. They just hung up. Tired of their manipulation. Can you not take action to protect the citizens of their flagrant actions. I don't have time to babysit and enforce the perform their jobs. Again that is your job. They need to be fined for incidences like this. Please take care of this. Also XXXX continues to report decreases in my credit usage due to daily use of my credit cards but fails to report when my credit card usage increases, when the credit cards are paid off. For instance they say they update daily, which is false, because Experian reports the decreases a week prior. The CFPB needs to step up and take action to protect the citizens and start fining and penalizing these incorrect actions. These inaccurate reports affect my business. Do something rather than just send letters and cater to their incorrect reporting and misinformation.
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Network Inc (CA)

The collection agency has been reporting that I have an outstanding debt since 2017. However, they failed to advise the validity and rights of the debt. Specifically. Article 809 a - 1 through 5 and article 899 b and c. Please delete from the credit bureaus XXXX, XXXX, and XXXX  since you guys trampled my rights under the Fair Debt Collection Practices Act 15 U.S.C. 1692-1692p.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

i received repeatedly phone calls all with in the same day.from Bank of America XX/XX/XXXX  (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)   XXXX XXXXXX/XX/XXXX    (XXXX)   XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXXXX/XX/XXXX    (XXXX)    XXXX XXXXXX/XX/XXXX    (XXXX)    XXXX XXXXXX/XX/XXXX  (XXXX)     XXXX XXXXXX/XX/XXXX   (XXXX) XXXXXXXX XXXXXX/XX/XXXX  (XXXXXXXX)  7XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXXXX/XX/XXXX     (XXXX)  XXXX XXXXXX/XX/XXXX      (XXXX)    XXXX XXXXXX/XX/XXXX      (XXXX)    XXXX XXXXXX/XX/XXXX   (XXXX)    XXXX XXXXXX/XX/XXXX     (XXXX)  XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXXXX/XX/XXXX      (XXXX)   XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXX  XX/XX/XXXX    (-XXXX)   XXXX XXXXXX/XX/XXXX    (XXXX)   XXXX XXXX XX/XX/XXXX  (XXXX)  left phone message
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a consumer XXXX XXXX and my federally protected consumer rights continue to be violated by CAPITAL ONE. I've demanded that CAPITAL ONE validate alleged debt several times. I've requested the contract that was signed by both parties that proves that I owe this alleged debt. CAPITAL ONE has not sent terms and conditions and disclosures of contracts. CAPITAL ONE has sent statements in a coupon format and not a signed invoice for debt. CAPITAL ONE refuses to send a binding contract and refuses to adhere to my several cease and desist that was uploaded in prior complaints.
Consumer complaint received 2020-08-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2017-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo needs to answer these questions in full based on their last response to the same issue. Refer to CFPB # XXXX. 

XXXX. In their response to the above complaint is Wells Fargo denying ever sending me anything on XXXX XXXX, XXXX? 

XXXX. If not, are they only denying sending me a rejection letter on that date? 

XXXX. If yes to above, what do they claim they did send me on that date? And why did they send it and what records do they have in their possession to prove what they sent me? Please supply all documents to support the claim that something else was sent to me on that date. 

XXXX. Is Wells Fargo claiming they do n't have any records of sending me anything on that date? If so what records do they have to prove they sent me anything during the application process? 

XXXX. Wells Fargo either needs to admit they sent me something on that date via XXXX  or deny sending me anything on that date. Since there are records of that transmission having been sent to me they must either acknowledge or deny it.
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

My original debt was to XXXX XXXX bank. My credit report shows LVNV funding as the debt holder now. When I call I'm told the company is named resurgence collections. Resurgence will not tell me anything without me giving them my social security number. I refuse to give it to them and they will not allow me to get any info or pay off the debt.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Giact Systems, LLC (FL)

My checking account with XXXX XXXX XXXX ( now XXXX XXXX was hacked on XX/XX/XXXX & XXXX. On XX/XX/XXXX, we went to our branch and closed all old accounts ( checking, savings, XXXX, lines of credit and debit cards ) and RE-OPENED ALL NEW ACCOUNTS. As I do with all my credit cards, ( XXXX, XXXX, XXXX, etc ) I entered the new checking account information online so I could pay my bills including XXXX. I pay all my bills online. On XX/XX/XXXX I made a payment online to XXXX in the amount of {$85.00} and did the same again on XX/XX/XXXX for {$85.00}. On XX/XX/XXXX, I made another payment to XXXX for {$85.00}. On XX/XX/XXXX when I noticed none of these payments cleared my checking account, I wrote an email to XXXX Bank inquiring if there was a problem. XXXX/XXXX  is the only account I am having problems with. All my other payments to my bills have gone through without any issues. XXXX Bank answered me via email on XX/XX/XXXX telling me MY ACCOUNT WAS INVALIID due to INFORMATION they RECEIVED FROM GiACT SYSTEMS. This information is totally false and I definitely must dispute this. This has caused me more grief than the initial hacking into my former checking account did. I have an excellent credit rating. I'm honestly attempting to pay my bills and now I have to do it via telephone, which is going to accrue needless charges. I need this information rectified so I can re-enter my checking account number onto the XXXX XXXX  website. I want GiACT Systems to rectify my information since my NEW CHECKING ACCOUNT IS VALID, as is all my new accounts. Please inform XXXX XXXX that this is a proper, working checking account number. I have more than one credit card with XXXX XXXX. Therefore, this is truly a mess. Thank you, MsXXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (PA)

I have filed identity theft reports for XXXX collection accounts. These accounts are not mine and could be a result of prior identity theft and fraud. 

Account : EOS CCA Original Creditor : XXXX XXXX Balance {$180.00} Account : XXXX XXXX {$200.00}
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I had set-up an auto-debit payment for my mortgage with Ocwen, XXXX # XXXX. Ocwen received the payment XXXX XXXX, XXXX, but it send a second mortgage bill on XXXX XXXX, XXXX which was returned because of insufficient funds. XXXX charged me {$36.00} for returned item fee. 
On XXXX XXXX, XXXX Ocwen received my monthly mortgage payment, but again it send a second mortgage bill on XXXX XXXX, XXXX which was returned for insufficient funds. XXXX charged me {$36.00} for returned item fee. 
Ocwen received my monthly mortgage payment on time, but kept sending a second bill causing a return item fee for the second bill. I sent an inquiry to Ocwen but did not receive a satisfactory response. 
Double billing is illegal and causing problems with my checking account, my mortgage contract states that I will only pay once a month, this abusive double billing must stop.