davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Credit & Collection Corporation (CA)

This company has been calling me at least 3 times a day and when I ignore the call they keep calling for the past two months. They are now calling all my family members and telling them they have a warrant to serve me and they need them to contact me. They are calling them multiple times a day and ruining my name. They give them a phone ( XXXX ) XXXX Claim Number and scare them into calling me. The ladies name that keeps calling me is XXXX and she says she works for a firm called Global. I have never heard from them nor do I owe them money. They have called my sick mother and made her believe I was in big trouble and I would be arrested if I did not comply.
Consumer complaint received 2021-02-28
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$340.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

My name is XXXX XXXX. I am a cardmember with CareCredit since XXXX. I have a already made a complaint to them with CFPB a few months ago because of discrimination, I had asked for a credit limit increase since I have been with them for so long and it had been the same and they denied. Yet, I know 2 people who are XXXX who have been with them for less time and they increased their credit limit when they asked. CareCredit contacted me and said they were going to look into it and never did. Now, they waited till this pandemic and in bad faith they decreased my credit limit in retaliation for the complaint that I previously filed against them. That is what they do. It is surprising to me hoe other bank institutions and big corporations are helping their consumers during this difficult time with disaster relief help in place and CareCredit awaits this hard time to lower my credit limit with no reason at all. I called them and the supervisor was extremely rude to me saying '' I Could not pay the month of XXXX '' I explained that I had called them before and explained I was directly economically affected by this pandemic and they removed the payments for XXXX and XXXX and the interest '', he also said I had missed payments when between the months of XXXX, XXXX or XX/XX/XXXX ( dont remember the exact time frame ''. I told him that I had called complaining that I had not received the bill neither any email alert and when I called about that they had fixed it. I told him that why they decided to decrease the credit limit now and if it was really my fault they would have decreased the limit around that time. In that moment I realized that they did that in a form of retaliation, specially in this time.
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NY)

About 6 months ago wellsfargo said I was deceased and closed my account with about $ XXXX, after having the account since XXXX. After providing them all the info to show in was infact living, they opened my account but left me with no access because if a 2factor issue and they claiming the issue needed time. After about 4 days recieved notification that all my accounts were closed and in 30 days or so i would recieve what ever funding that was mine and the rest would be returned to clients. As of yesterday i checked my accounts, and all the funds are still in my accounts and they are just holding life savings, clients and my unemployment and with out anyway to recieve them. i have been XXXX  XXXX, and at this rate ill be XXXX before the money that might save me or at least keep this going becomes available. 
make matters worse i cant open a new bank because j cant get verified anywhere.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

On XX/XX/2020, I attempted to obtain my credit report from TransUnion, as I am the victim of identity fraud and required more in-depth information about the specific incidents involved. The Trans Union website linked me to the website : XXXX. On the website, the offer made in bold typing is to " CHECK YOUR CREDIT SCORE FOR {$1.00} ''. I used the service and viewed my credit report. 

A week later, on XX/XX/2020, I received notification that I had been charged {$25.00} USD for a membership with XXXX XXXX. Upon looking at the website more closely, I saw that there is an asterisk beside the Bold Statement, and at the bottom of the page in very small writing, it states that customers using the service will be automatically signed up for a monthly subscription. Furthermore, in order to cancel the subscription I didn't even know I signed up for, I could not even cancel online, but had to call a XXXX number, wasting hours of my time. 

I don't know if what they did is illegal, as technically they wrote the conditions of the agreement, but surely there must be some measures to protect customers from deceitful, intentionally misleading contracts like this.The fact that they are targeting people who require assistance with their credit, who are most likely financially vulnerable as it is, is in my opinion, abhorrent predatory behavior. 

I went to this website, under the advise of law enforcement, in an attempt to correct a crime commited in my name, and instead of offering assistance, TransUnion further took advantage of me. I have lost all confidence in the credit, banking, and financial institutions. Who do I turn to for help when the company that is supposedly responsible for helping me, robs me?
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that XXXX, Equifax, and XXXX  are reporting. These negative items must be removed immediately.
Consumer complaint received 2021-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MD)

I have sent this company over 1000 emails asking for written documentation regarding this debt. How it is owed, who it is from, how it is linked to me and my options to remedy the situation. They have promised me they will send me something in the mail immediately and then never do so. I have also phoned them dozens of times and written them via US MAIL requesting this information. They have lied to me and threatened me
Consumer complaint received 2020-04-29
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: SYNCHRONY FINANCIAL (FL)

Original case from 2019 is XXXX I am not making any progress with this bank and its still on my credit report. 

This is a nightmare, and this bank is putting the burdon on me for a mustake they made. 

In a nutshell, Paypal / Synchrony Financial pulled an inquiry on my report though I did not authorize it nor request any lines of credit with them. This was on XX/XX/2019. It was apparanetly fraud and they were supposed to congact the credit reporting agency to get it removed. 

After mulitple calls, they said thry would remove and here we are 7 months later and I am still waiting and noone is replying to me anymore. 

Please help me XXXX XXXX
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Credit Management, Inc (AR)

I have two collection accounts on my XXXX Credit Report that is being reported by a collection agency names Professional Credit Management in XXXX Arkansas that is reporting negatively on my credit report. I have attempted to clarify to the agency that I have never signed a contract with them to pay them any money in reference to this medical debt. I sent them a debt validation letter by certified mail requesting they validate such debt and they responded without the complete paperwork requested to validate the debt at which time I requested the remove these items from my credit file. I was met by the manager of the collection agency XXXX in a very rude and explict way informing me she and the agency would not follow the FCRA guildlines that she didnt give a XXXX about the FCRA and it will remain on my file. XXXX XXXX XXXX claims they sold the debt to them for collection and could not help so i am reaching out to you at FTC for help. This is not only showing a balance which is inaccurate information on my credit report because by FCRA guildlines anything that reports as a collection should not be showing as an open account or a balance. Will you please help me do the right thing and get these items removed from my credit file per FCRA guildlines? Thank you very much for your help solving this urgent matter... ..XXXX XXXX
Consumer complaint received 2020-10-13
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: DISCOVER BANK (NY)

The account listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CO)

I am attempting to purchase a house and my credit report was ran by credit company. When report was ran I had a collection account that was paid in full and still showing on my credit report and has not been removed. The amount is {$600.00} from XXXX XXXX. I have contacted them and they are showing me that there is a {$0.00} balance.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

OnXX/XX/18 I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with Capital One Auto Finance to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter onXX/XX/18 XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX XX/XX/18 proving I tried to dispute the account XXXX  received and signed for the letter XX/XX/18. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but Capital One is when XXXX XXXX XXXX bought the account. How is Capital One still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. Transunion, XXXX  and XXXX  have failed to respond.
Consumer complaint received 2021-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT. I NEVER RECIEVED ANY NOTIFICATION IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALSO, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2018-06-18
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

Citibank CBNA is reporting an incorrect balance on an account that they report as : XX/XX/2014 Charged off as bad debt Canceled by credit grantor I believe that this was a Citibank XXXX credit card account. 

The reporting lists an amount past due of {$14000.00} on XX/XX/2014, but lists a balance of {$18000.00}. They report the credit limit as {$17000.00} in the same report. 

I believe that the balance due is incorrect in the subsequent monthly reporting since XX/XX/2014. 

Additionally, in XX/XX/2014 Citibank CBNA was notified by XXXX XXXX XXXX XXXX XXXX that they were representing me. I continue to receive harassing phone calls regarding this account.
Consumer complaint received 2018-02-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (VA)

We purchased our home in XX/XX/XXXX. At the time I was an XXXX XXXX XXXX XXXX undergoing multiple deployments to XXXX and XXXX and my family was living on XXXX XXXX XXXX XXXX. The family was under a great deal of stress because our military quarters were directly on the landing approach for F-14s, which flew over the house at low altitude several times a day. 

Shortly after moving into our new home the home we discovered hidden termite damage that had to be repaired immediately. We took out a home equity loan from Ditech to pay for the work.

The contract was signed on signed in XX/XX/XXXX, for a 25 year loan at 13.89 % actuarial interest. The original loan amount was {$77000.00}, and my payments were {$950.00} a month. 

Along with my primary mortgage, my monthly payments total {$2700.00}. Although this has been crippling financially, I have paid that amount every month since, and have never missed a payment-. 

I have paid Ditech roughly {$140000.00} in this period, and my current loan balance is {$68000.00}. 

In XX/XX/XXXX the value of the home dropped, and with our combined mortgages I have owed more than the home is worth every since. When I checked in late XX/XX/XXXX, the estimated value of the home was roughly {$310000.00}. Since moving in, we had another child, and the home was too small for our family, but we had no real options to move out. 

It gets worse. 

Ditech approached me earlier this year and offered to loan me {$350000.00} to consolidate both of my mortgages at 4.125 % interest, which would lower our total payments to roughly {$2000.00}. 

We were within a week of closing when we discovered serious termite damage in the home, and realized that the termite inspection report provided by our pest control company was fraudulent. Knowing that this was illegal and unethical, I stopped the refi process while we determined the extent of the damage. 

Surprisingly, my Ditech loan processor encouraged me to continue with the loan, citing that no one would ever know about the report. Even after I explained that I planned to not occupy the home as my primary residence and would therefore not be eligible for a refi loan, Ditech encouraged me to close the loan. 

Through this experience I learned that Ditech has not only taken advantage of me and placed my family in serious financial hardship from the beginning, but they were willing to place me in legal jeopardy. Through this entire experience I have met my obligations and dutifully my payments, hoping that I would be able to pay this loan down enough to get out from under it. They make it difficult to navigate their website and find pertinent information, and they are predatory in their practices
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gordon & Wong Law Group, P.C. (CA)

XXXX XXXX  sold debt to XXXX XXXX who has attorney Gordan & Wong filed judgement on my house I never received the debt information I email attorney to settled for amount on lien they want to double amount I also ask them to sent me copies of debt I owe and my signature they dont have it need help selling my house and they trying to get XXXX and I suppose to owe XXXX please help me