davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-17
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)

I have been filing disputes with XXXX  for over a year regarding discrepancies and fraud on my account. XXXX  started using stall tactics by sending me letters stating my identity had not been properly identified, even though a copy of my driver 's license and social security card was enclosed with my dispute ( s ).

Once I began noting the FCRA violations in my disputes, they changed the names of the creditors unbeknownst to me. I found these changes  on the XXXX. 

Once I resubmitted my amended dispute, my access to the reports on XXXX became thwarted by erroneous messages of failed identity verification.

XXXX  has also violated their authorization to bill my credit card for monthly subscription fees by charging me twice in less than a 24 day period. All the while denying me access to my account. Due to the
gross abuse and neglect in this matter, I wish to file federal complaints beginning with violations of Sections 616 & 617. Please advise.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My agency recently conducted a background investigation on me that included a criminal and credit check. The credit report revealed a collections item from XXXX XXXX that is over 20 years old ( XXXX ) The debt was settled and closed several years ago. When I purchased my home XX/XX/XXXX, this debt resurfaced. I disputed the debt and had it removed from my report then. Now, nearly 10 years later, this issue is resurfacing. I work for a financial regulatory agency and fiscal responsibility is a condition of employment. TransUnion is the only Bureau that shows this item in collections. The fact that XXXX XXXX is allowed to report on an account that has been closed over 20 years AND TransUnion accepts this report is egregious. XXXX XXXX continues this post mortem debt reporting because they have not been held accountable. My employer is threatening removal if this is not resolved in 30 days. I need to get this matter resolved expeditiously and some level of assurance that XXXX can not continue these predatory practices.
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I have reached out to you before regarding my never ending problems with Rushmore Mortgage. You told them to return {$8000.00}. They credited it and then increased my amounts again. The reinstatement amounts and the acceleration amounts are skyrocketing. I will attach proof. They are still REFUSING to accept my mortgage payments, and putting my house in foreclosure. This can not be legal, can it?!? Who can put an end to this? I am running out of options and time. 

They also broke into my house and winterized it and locked it. Unbelievable.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am asking for you to look into this account with Bank of America that has stayed on XXXX XXXX. I have kept an account open with BOA, opened an account and had difficulty depositing money in my account. I work to keep the account open, which is {$12.00} a month. I had a client deposit money and it was very hard to do.
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I walked into a Bank of america on XX/XX/XXXX and waited an hour to open an acct. After waiting I Spoke to a XXXX XXXX who assisted me with opening an acct. I opened a checking and saving acct. In the process of opening my acct she advised me that a balance was owed to bank of america for {$460.00} and that it may be taken out of my acct if need to cover the pas balance from XXXX. I advised XXXX i never had an acct with bank of america and that when she gave me the number to the fraud dept who I was suppose to call on XX/XX/XXXX once I made it back home to see what was going on. I deposited {$25.00} in my checking and {$100.00} in my saving to get my acct started. Now when I go to logon to get my acct info so I can call the fraud dept I see I cant logon and I'm being told my accts were closed and no one could tell me why. I'm not sure why they were closed and for me to sit in the bank and hour to wait to see one and another hour just about to open my acct, just to have my accts closed the next day without any notice, well I'm really upset.
Consumer complaint received 2018-11-29
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. (ND)

I have confronted Experian with the facts that the accounts included in this complaint are past the statute of limitations to appear on my credit report, and that they should be removed immediately, but they fail to comply with my demands, as they are tied to an out of date, old, not correct address that I used to have more then 10 years ago, which is XXXX XXXX XXXX XXXX, XXXX, XXXX , ND XXXX. I have sent them proof of my current and correct address currently but they fail to comply with removing old addresses from my file, and any old, out of date, closed, paid accounts that are associated with it. I intend to file legal action against Experian for violating my FCRA rights.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: H. Kent Hollins, Attorney at Law, P.A (OH)

Sent a letter to subpoena records from XXXX which is my car loan company. They are Kent Hopkins collecting for a water bill on behalf of city of XXXX.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I was charged {$640.00} and {$640.00} on XX/XX/2023 from 2 different XXXXXXXX XXXX stores in Georgia. I saw the pending transactions on my phone app and immediately called TD Bank. they canceled my card. They were not able to file a claim until the charges posted. I called each of the XXXX stores and told them someone fraudulently used my card online and was planning on picking up the products physically in the store. They didn't believe me and hung up. So I waited until Tuesday since Monday was a federal holiday and TD filed a claim. They mailed me a letter stating that the transaction appears to be authorized by me since the thieves had my email and phone number. I have a XXXX  store and my email and phone number are listed publicly and easily found. I do not live in Georgia and can prove I was in NY at the time of them picking up the product in these stores. I would think you can get access to the videos from the stores to show it was not me. They also used 2 different stores instead of purchasing both from the same place.TD said they reached out to Visa and that since the merchant XXXXXXXX XXXX was able to show that the order had my email and phone number attached to the order that I did indeed make the purchase. I DID NOT!!! Please help me prove that I did not authorize this purchase. {$1200.00} is a lot of money that i am out.
Consumer complaint received 2018-11-29
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. (FL)

XXXX account continues to be reported as a charge/off when account was not a charge off. Account was paid in full and not charged office. Letter has been sent to credit agency who continues to report wrong information.
Consumer complaint received 2016-10-13
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings (KS)

I could not get Speedy Cash to stop taking payments out of by bank account using my debit card. I called them, I wrote them. I tried to set up payments. I told my bank to not authorize any more payments. Did n't help. Finally I had to shut down all my accounts at my bank and go to another bank. 
I could not believe it when I when, at my new bank, Speedy Cash withdrew {$100.00}, the next day {$60.00}. 
I have no idea what that amount is for. I 'm disputing the charges Can you help me? 
Do I have any rights? 
So grateful for any help. 
XXXX XXXX
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

I have an ongoing nightmare with my deceased mother 's co-op in XXXX NY XXXX. Original investor Washington Mutual offered Mom offered Mom a second mortgage totaling {$240000.00} in XXXX, with XXXX as the servicer. This was bought by JP Morgan Chase in XXXX, XXXX when XXXX went out of business for mortgage fraud. My mom was not qualified to fulfill this contract in XXXX when it was approved by JP Morgan Chase and XXXX : she was then XXXX and living on only {$25000.00} a year in social security. Though they do not admit it, there was a law already on the books prohibiting this unfair practice. 
But both the past servicer, XXXX XXXX XXXX, and present servicer, XXXX, as well as XXXX are unwilling to help with either a principal reduction or deed in lieu of foreclosure. The XXXX XXXX XXXX made sure to unload this toxic situation before they faced the {$17.00} XXXX mortgage fraud penalty in XXXX XXXX, obviously so they could avoid helping the consumers in trouble. XXXX coldly declares " it is our policy to not complete a mortgage release on a co-op. '' After she passed away in XXXX, the servicer has scheduled foreclosure twice, cancelling it XXXX times. It is now 'in foreclosure ' again since XXXX, but no sale date is set. I also live on limited income and can not afford to take over the deeply underwater mortgage. 
There was no reasonable expectation they would ever be repaid the loan amount of {$240000.00} due to Mom 's severely limited income, advanced age and lack of assets. They have taken no accountability for loans that should never have been approved. But the creditors hold all the legal cards in the present legal atmosphere.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-08
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: Santander Consumer USA Holdings Inc. (OH)

On XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a Santander consumer usa,XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I opened a XXXX secured credit card with credit one, never went over my credit limit, closed my account ( or so I thought ) they left my account open, kept charging me additional fees then interest on the fees and then  reported my minimum balance as XXXX which is incorrect, and then keep charging me interest, it is now XXXX on my credit and is not accurate ...
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX EMPLOYEE program. After numerous late payments by HER, the vehicle was sold for more than the balance with XXXX and SHE received the proceeds from XXXX.Again, I made none of the late payments, there was no " repossession '' from me, and I did not receive any of the money from the sale of the vehicle unlike my former wife. Despite my repeated requests to delete this account from my file, EXPERIAN refuses to do so.
Consumer complaint received 2016-03-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Opened checking & savings account online with Capital One Bank ( '360 Account ' ), received approval / welcome email. Transferred {$500.00} to new checking & {$20000.00} to new savings account ( funds electronically transferred from my credit union account. 
Went to log on to new Capital One account and received message I can not log in and needed to call the provided customer service number, so I did. 
after taking 15 minutes to get to an agent, they told me I was refused a new account. I asked why and they said they could not tell me. They transferred me to 'Customer Security ' department ; same thing, refused and no reason provided. 
I requested all funds be returned to my credit union account. 
It is now 2 weeks and 6 phone calls since opening the account, I do not know why I was refused, and I still have not received my funds back. 
I will try calling them one more time then seek legal assistance.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-22
Product: Debt collection — Payday loan debt
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: ENCORE CAPITAL GROUP INC. (TX)

On XXXX XXXX2019 I received a voicemail from a debt collector saying that my husband was going to have legal action pursued against him for an old debt. The caller claimed that he would be taken to court for theft of service and theft by deception. I called the number back and spoke with someone who was kind and I ended up paying them {$50.00} on that day and then a week later paid them another {$620.00}. They set up payments for every month in the amount of {$670.00}. When I went back into the archives of my husbands email I found that at one time over two years ago we did have a loan with that company but it was paid, I managed to get into the account and saw that there was no open loan, no loan history, no email with attempts to collect payment. I decided to hold off until they gave me more information. Instead the used a caller ID spoof to act as if they were calling from my county courthouse saying they were legally warning us and Pursuing legal action against my husband. I called back and explained I needed more information but they didnt provide any, instead they berated me for being irresponsible and taking a loan without reading fine print and said if I gave them {$710.00} they would leave me alone. They also claimed they would send me a letter stating we had agreed to that amount and the loan would be absolved. I called my county courthouse and they had never heard of the person that had called me and said no such person exist and that they do not call people about personal debts. I spoke with the attorney general who referred me to this site. The debt collectors have since been calling and harassing me more, the calls are hostile and accusatory, they tried to call from the spoof courthouse number again and hung up when I answered, they called again and were pretending that I was speaking to a courthouse employee, I stated that I had tried to reach him at my county courthouse but they had not heard of him, he gave me a lot of excuses and I said I would feel better if I called the courthouse directly and was connected to him, he became flustered and I hung up. About 5 minutes after that the collection company called my husbands phone which I answered, they were upset that he didnt pick up. They became very hostile, again threatening us with legal action and I told them that the phone call was over. They left a voicemail on my husbands phone laughing and saying good luck maam we know where your husband works, we will be contacting his employer, thanks for letting us know he works overnight. We were trying to operate under the good faith that we might have made a mistake and agreed to pay the {$670.00} which we did. Now it has become an absolute nightmare, they are contacting our family members from the spoofed courthouse number and leaving messages saying they are looking for my husband, which scared my mother in law. There is no being civil with this company.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (OR)

On XXXX XXXX 2017 My family member mailed a check via USPS-to Citi card, as payment to my account. On XXXX XXXX this check was cashed by citi card bank. I have an email copy of the check showing this. By XXXX XXXX my account had yet to be credited. On XXXX XXXX I call to speak with a supervisor, who is unable to find the payment. She tells me I must open a payment investigation & asks for all the info on the check-which I provide. I am told citi card will locate the check & credit the account within 4-5 days. She also informs me a conditional credit will be made until it is found. 

On XXXX XXXX I receive a letter from citi card requesting additional copies of both sides of the check, and complete bank statements -which I do not have access to ( as the check-was sent by a family member from a different state ) The letter threatens to erase the conditional credit & re-bill my account if I do not provide info by XXXX XXXX. Wow, Re-bill my own account a payment-which was already sent to them, received & cashed by them! 

Also note : This is my second payment investigation with citi card in 6 months. Another check I mailed was similarly cashed immediately but NEVER posted to my account. When I contacted them, they claimed it " lost '' and unable to be found for 6 months. Payment investigation involved a lengthy, time consuming, and costly process- requiring numberous faxes, service fees, phone calls & mailed documents to get my own check posted my to my own account. I am seeing a rather atrocious pattern of mishandling of payments. 

I have been a long time customer, making timely payments for years, with a good credit score. Citi bank does not seem capable of quickly crediting my account for the amount I sent, with the information I already provided to them. I am currently on XXXX and undergoing medical treatment, and no longer feel at this point they are capable of resolving this issue easily -which is what I expect from this company and why I have reached out here. 
Thank you
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Security Credit Services, LLC (CA)

On XX/XX/2019 I receive a letter from Security Credit services alleging that I owe them a debt for {$7000.00}. I quickly responded on XX/XX/2019 with a dispute letter saying please provided proof that I owe ( SCS ) any amount please show agreement that I owe. ( SCS ) receive my letter on XX/XX/2019 I have enclose my dispute letters in the attachment below They have failed to validate debt that allege that I owe and show proof that they can collect in my state and show proof that I owe this debit. I sent out another dispute letter on XX/XX/2019 stating you must show proof of debit I owe and validate proof, they have failed to show proof and fail to respond to my letter. I have enclose tracking # in my dispute letter and dates that they have receive my letter.
Consumer complaint received 2018-03-16
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. (MI)

I sent a second re investigation letter into Experience along with additional proof of a collection on my report the is incorrect. Collection account name is XXXX XXXX. I received an email stating the debt remained. Around the week of XX/XX/XXXX I called Experian asking how this is possible with the proof that I sent in. The rep looked at my proof and said yeah she agreeded but just cant delete something and told me I need to work with the collection agency. I explained to her I have called them and faxed them and they refuse to speak with me. I went on explaining they are bulling me and know the debt is wrong. Also the amount showing owed doesn't even match what was billed to the insurance from the original party. 

The rep then went on to say she will call the collection agency. She called and stated XXXX told her to tell me to send them the proof directly. I said back to her how does that make any sense when your company already stated they showed them the proof with my dispute? Then went on this is what I mean that this company is trying to bully me. The rep told me there was nothing she can do. Experian is ruining my credit and are reporting incorrect information after a lot of proof as been provided.