davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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. (TN)

On XX/XX/XXXX, I requested an investigation into 7 accounts that are listed on my credit report ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX ) and on XX/XX/XXXX, TransUnion verified them as accurate ( see attachment ). On XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) and ( 7 ), I faxed a Method of Verification request letter ( see attachment ). I received a generic form letter response on XX/XX/XXXX, stating the procedure they follow ( see attachment ). There is no information pertaining to the accounts in question, nothing specific to me at all. On XX/XX/XXXX, I faxed TransUnion a 2nd Method of Verification request letter ( see attachment ). I received a letter containing the dispute results on XX/XX/XXXX, which states that the XXXX XXXX tradeline was deleted and all others were verified ( see attachment ). It is my belief that TransUnion did not contact the furnisher of information related to these accounts. It is also my belief that TransUnion has failed in their duty to maintain reasonable procedures that would assure complete accuracy of my credit report. I would like to note that matching account numbers and information that is recorded on a third-party database is NOT what is required or expected by law and if their method of verification was only to check a third-party database without verifying this information with the furnisher of information, then they have not done what is necessary.
Consumer complaint received 2017-06-21
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)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XX/XX/XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX all non-account holding inquires such as XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added XXXX XXXX # : XXXX
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Joseph M. Tobin, PC (CT)

On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. 

My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. 

Produce a Contract, Delegation of Authority, Regulatory Authority or  cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. 

In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

Calls being made repeatedly to my daughter and to an old ( and seriously ill ) family friend threatening to serve me with a complaint for a debt. The company calling us XXXX XXXX. I do not owe XXXX XXXX any money. They claim it is for money ( {$3200.00} ) owed to HSBC. I do not have any collection on any of my 3 credit reporting accounts ( XXXX XXXX or XXXX ) for a debt or past debt owed to HSBC.  XXXX XXXX 's phone number is XXXX and the woman who threatened me with being " served with a complaint '' is XXXX XXXX. I tell them I am going to file a complaint against them and they stop calling for a while, then start calling again. I checked with the Sheriff 's Dept., and with the process servers in NC, and none of them have any complaint to serve on me. I want these threatening calls stopped! The last calls started XXXX/XXXX/17. I checked my 3 credit reports today, and they all show " no collections ''.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I 'm trying to obtain my Escrow Refund for XXXX XXXX XXXX ). I refinanced XXXX XXXX now nobody associated with my refinance has no Loan Number of the refinanced transaction. I called XXXX XXXX and was told it was in some kind of evaluation, which the Escrow was evaluated in XXXX also.I was told in XXXX that I would receive it the end of XXXX now no one has heard of me or the refinanced transaction. I was never able to speak to a supervisor or manager. I 've tried to contact everyone involved with the refinance transaction even the Title Loan Office. I was contacted in XXXX XXXX for {$100.00} for tax increase then XXXX XXXX my mortgage was increased for {$580.00} to {$590.00} with no explanation for the increase. I 'm afraid next year they may say they 've not received my mortgage payments which is an automatic withdrawal. I need help in dealing with these companies. Thank You. SUPPORTING DOCUMENT IS FORTHCOMING.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NJ)

I received a letter from XXXX XXXX XXXX XXXX dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to Cavalry SPV I LLC and the original creditor is XXXX XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX XXXX, Cavalry SPV I LLC or XXXX XXXX XXXX XXXX. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?
Consumer complaint received 2017-06-21
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: EQUIFAX, INC. (GA)

The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX XXXX the above aforementioned accounts have been requested for removal
Consumer complaint received 2017-07-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (GA)

I faxed the mortgage company XXXX XXXX XXXX the 2011 Chapter XXXX discharge court case last week. XXXX XXXX XXXX continue to report the mortgage loan on my credit report, and I was called today about the mortgage payment for the month of XXXX. They informed me that they are attempting to collect a debt. This liability was never reaffirmed and was included in Chapter XXXX, which as discharged in 2011. The representative from XXXX XXXX XXXX informed me that they are aware of the Chapter XXXX discharge, but that I still owe the debt since they hold the lien to the property.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

XXXX XXXX XXXX XXXX XXXX
ACCOUNT NUMBER:XXXX

LOCATION INFORMATION: XXXXXXXX XXXX XXXX XXXX XXXX XXXX  

TO WHOM IT MAY CONCERN,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX XXXX XXXX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX  AND XXXX  ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX & XXXX  IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED;

LATE PAYMENTS:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY,
XXXX XXXX
Consumer complaint received 2022-01-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Please investigate these matters and look into my credit report it had been more then thirty days and these items are still on my report these items have not been validated on my account have not received proper validation as to why these items are on my account have not received any proof
Consumer complaint received 2022-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has sent me numerous letters saying they will close my credit card account because I disputed one charge that I did not make on the account. They closed that card number and never sent me a credit card replacement. They asked for a copy of my drivers license and social security card, which I provided to them on numerous occasions. They are now threatening to close my account which will affect my credit score. They are also unwilling to cash out any rewards that I have earned, which amounts to XXXX  dollars.
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

I have contacted American Adjustment Bureau on several occasions and told them I am disputing all charges from XXXX XXXX. I have asked for a statement of all dates and amounts owed which they have not provided me. I need originals from this company. They are trying to over collect money from me. Now I see it is on my credit reports. I want this removed off my credit reports. I told them I dispute the charges, and I am NOT paying.
Consumer complaint received 2021-09-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CNG FINANCIAL CORPORATION (MI)

Received letter from " XXXX XXXX XXXX '' of threatening they would access XXXX, XXXX for {$510.00} payment of a " Check N ' Go '' bill where i was told there was no account this caused me to think i had the wrong business. Followed up with " Check N ' Go '' to resolve issue. Called corporate given another 800 # a total 11 different contact numbers, on XXXX to XXXX kept getting transferred to 800 # 's all were refusing to resolve payment for {$310.00} where i was told there was no account. The Company Letter head is " XXXX XXXX XXXX '' XXXX but voicemail said " Competitive Contact Solutions ''. No payment was submitted to them because they used two different names and threatened SSI & SSDI. Called back the next day there voice mail said " XXXX XXXX XXXX ''. Want to resolve the bill but I don't want to send money to a fraudster.
Consumer complaint received 2018-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Society Business Services, Inc. (AZ)

This debt was being sent to a wrong address on file. It was updated at the time of visit but never entered into the system. I pulled my credit report and saw this on it. I immediately called and verified they had the wrong address and paid it right away and asked for it to be removed since this was not my fault. They said they would and it is still on my credit report
Consumer complaint received 2018-01-18
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: EQUIFAX, INC. (TX)

I sent XXXX XXXX Equifax, XXXX, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On Monday, XXXX XXXX, 2024, someone who XXXX Citibank 's securit, or a Citibank employee , called me from Citibank 's XXXX department , using the official phone line and Citibank 's official 2 step verification sms line apparently, broke into my business account and made three wires from my business checking totally nearly {$14000.00}. Despite that I have informed Citibank that I did not make any wires, and that someone had clearly broken in their system, and also had use of their phone lines, Citibank has as yet to return the money stolen from me due to their own security breach.The amounts and reference numbers for the illicit wire transfers are Wire # 1. {$4800.00} + {$17.00} wire fee totaling {$4800.00} ref # XXXX ; Wire # 2 {$4900.00} + {$17.00} wire fee totaling {$4900.00} ref # XXXX, and Wire # 3. {$4000.00} + {$17.00} wire fee totaling {$4000.00} ref # XXXX ). I filed claims with both the FBI Internet crime and XXXX State Police for the same theft. At first Citibank 's agents acknowledged it was a fraud/theft and told me that they would put the money back as provisional credit no later than XX/XX/XXXX. When the money did not go into my account, I called them, they then indicated it would not be going back to my account but would be pending an investigation, changing their story. I complained and explained to a supervisor and told them that I had not made any wires nor given anyone nor any third party my information. The supervisor then assured me it would go to the XXXX department as it was originally and I should be getting the provisional credit shortly. Then, week 's later, after calling repeatedly, I got a message from Citibank denying my claim, incorrectly stating that I somehow had a role in the wire transfers, which is not true at all. I complained again and the last supervisor said they would appeal the decision. In the meantime 2 months have already gone by and the costs and additional damages to me and my family, damage to our credit rating, financial hardship have been mounting. It is unacceptable. Citibank 's system was hacked/hijacked and they are not taking responsibility and instead forcing me to suffer a major loss that is the result of their own negligence/system failure. Worst is it was I who even caught this happening in the act and informed Citibank, doing their own fraud department 's work for them. When I did so, their agent XXXX they saw someone was in my account making wires as we spoke. I later found out that Citibank had already at that moment the names, bank and account numbers of the recipients AS the money was being transferred. This means that it would only have take a phone call to those banks at the same instant to stop or freeze the money. This, too, was Citibank 's failure alone.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (FL)

Was a victim of a job scam. I posted {$1200.00} I informed my bank of it but got rejected for receiving my money back and my account was closed for no reason. It officially closed on XX/XX/2021 but they blocked me from opening any other bank account with other banks. I shouldn't access my bank for over a month and went constantly to get the rest of my money out of the bank. Couldn't get any of my records because they shut down my account. 

I have a police report, fake check, fake job employment letter, and text messages. with all this information my bank still denied it was fraudulent.
Consumer complaint received 2017-06-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (WA)

I was given a check from a friend for {$85.00} drawn on her Chase checking account. I went to cash it at the JP Morgan Chase Bank ( Branch XXXX ) and used the drive through window at XXXX XXXX on XXXX XXXX, 2017. The transaction took far longer than I expected, and when I asked the teller, XXXX, what the delay was for, she said they were verifying the funds availability. I was then given a sealed envelope with my cash and ID and I opened the envelope about 1/2 hour later. To my dismay I found they had assessed an {$8.00} fee which is almost 10 % of the total amount of the check. Not once did the teller inform me that they were assessing any fee, much less {$8.00} for a check drawn on their bank. I returned to the bank the next morning, as they were closed by the time I discovered this fee. I spoke with XXXX XXXX XXXX at XXXX XXXX on XXXX XXXX, 2017, less than 16 hours  and less the 1 business hour from the time the transaction was completed. I was told that they could not do anything about it because it was completed the day before. They claim they had to charge the fee since I did not have an account with them. My complaint is twofold : They did not tell me they were charging a fee at all and the fee they charged was excessive. I would like a refund of {$8.00} since the check was drawn on that bank.
Consumer complaint received 2017-12-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America continues, to harass me & deny me any account w/ them. They said they banned me from any anything to do with them. Ive tried to solve this matter like 6 times. And they tell me nothing on why they banned me. Id really appreciate a investigation into this thank u. XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC (NY)

Social XXXX Follow up not dupulcate selene finance and XXXX  credit agency forgot to remove the late payment for XXXX their a letter on file during that time i have a pending appication to be filled out for assitance and they sent me out a letter regarding home assitane program my complaint is that by law a bank or servicer dont supposed to report the consumer late or take legal action or non credit repoeting while theirs a pensing appilcation for assitance.so im asking XXXX at selene finance credit reporting department is to remove the late payment for XXXX off of XXXX