davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
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. (AL)

This is my final attempt with trying to settle this dispute with Equifax through the CFPB portal. My next steps are to file litigation and seek monetary compensation for emotional distress & punitive damages ( plus attorney fees ). Equifax has chosen to willfully neglect each written claim I've mailed, and ignore each electronic claim through this portal. I've not received the proper treatment or have the two companies involved operated according the FCRA guidelines. There are inaccuracies on a XXXX report that is attached to my name. I do not recognize the debt, I have never lived at the stated address and have no recollection whatsoever of doing business with this company. I've asked for validation and verification on the behalf of both companies. XXXX sent a copy of a document that falsifies their right to report this account attached to my social security number. I've written Equifax and complained about the issue, all to no avail. This situation has directly effected my livelihood and credit worthiness. I demand for this account the be deleted from my account expeditiously.
Consumer complaint received 2022-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (TX)

RS Clark and Associate placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with RS Clark and Associate. According to 15 USC 1692J-RS Clark and Associate is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (GA)

I have reached out to Grain by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.
Consumer complaint received 2020-09-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX XXXX XXXX could not have charge off an account in bankruptcy that did not exist. To further the conspiracy XXXX   has been blocking my account so that my recent credit cards can not report. XXXX XXXX  and XXXX XXXX XXXX  are two of the four that have been blocked.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I went to co sign for my partner e. car and was denied. I was totally surprised because I have severe.I paid off cars on my credit. I went and pulled my credit and there e.re things on my credit that are not mines. I contacted my local police and FTC. Imm also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX. Please remove these items from my credit. I
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have opted out of credit card applications being sent to me in the mail but certain outfits ignore or do n't use the service and send me applications anyway. The latest is Bank Of America, which is a low life outfit from previous experience of them XXXX my son! I would n't give this outfit the XXXX but they insist on sending credit applications. Is there a magic number or email address that I can send a correspondence to express my never wanting a thing to do with them? Please let me know if there is any recourse available to the FTC sanctioning this outfit with a fine or other penalties?
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blockchain.com, Inc. (NJ)

I opened a Blockchain with {$5000.00} on the account to do trading and send money to another XXXX wallet I had, but I had problems with blockchain sending the money to my other wallet. 
I tried canceling and try again but it didn't work. I tried sending the money back to my account and when I did the transaction it said it might take up to 5 business days, however, this was back in XXXX. I keep trying to get in touch with the customer service team but I don't get any answers.
Consumer complaint received 2019-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (OR)

I have been trying, for months, to gain access to my account with ECSI Federal Perkins Loan Servicer. I never received the initial access document they said I should have, was disconnected on repeatedly while waiting on hold, and have received no written response to my mailed requests for assistance. 

Yesterday, I was finally able to speak with someone on the phone to gain access to my electronic account and make a payment. I was trying to take the actions directed, to make the requested payment in the letter I received yesterday, XX/XX/2019. This letter, dated XX/XX/2019, gave a 30 day window to make the payment, and directed me to do so online. 

When I called back, I was advised that yesterday was a processing day, and that I would be able to make a payment today, XX/XX/2019. I requested verbal confirmation of this, and was told again that I would be able to make the payment today. 

There continues to be no payment option on the website, and when calling in I was advised I can not make a payment with them, despite the very clear dates in the letter sent to me via mail. Throughout my dealings with ECSI, I have been lied to repeatedly, not responded to, directed to take actions that are impossible, and given no recourse to have my concerns addressed. Their practices are highly deceptive and fundamentally unfair.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Ive disputed this multiple times with the same result it remains on my report. The reporting is clearly incorrect and you have still yet to remove or fix it properly. These items are 4 Closed charge off accounts with the XXXX police federal credit union. That report charge off month after month these accounts have been closed since XXXX and XXXX. These are clearly violations of the FCRA and need to be removed immediately!
Consumer complaint received 2021-09-04
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: BARCLAYS BANK DELAWARE (PA)

Barclays Bank Deleware has brought forth an account they claim I was responsible for and sued me. I won the initial case on XX/XX/21 and they appealed and never showed up to the Appeal case which was in late XXXX so that is twice now that I XXXX courts have dismissed the case against me and I am not responsible for these debts yet 3 times now have requested that this be deleted from my reports and they still refuse to do so.
Consumer complaint received 2019-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XXXX I purchased a house for {$250000.00}, i put around {$12000.00} down. Unknown to me, the same date, I also signed a second loan called " Home Equity Credit Line '' for {$50000.00}. I was unaware of how this loan worked as I did not have 'equity ' on the house upon signing the loan documents. I received checks and a credit card from the lender XXXX XXXX and I was told i could use it to buy anything i wanted and that it had a limit of $ XXXX on it. When i tried to use it, i was told that i was maxed out! I tried talking to a XXXXXXXX XXXX Supervisor and was told that someone was going to call me. They never did, so i figured it was a mistake on their part and just forgot about this issue, and continued to pay my mortgage on time. In XX/XX/2019, i was interested in pulling some equity to fix my house. A broker working with us found a second mortgage that had not been paid on. This is when we found out about this equity line of credit. I had not received any statements or phone calls from the bank about this. Now they are saying i have to pay {$50000.00} plus {$50000.00} in interest over the last 12 years.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

On XX/XX/XXXX, I called Conn 's because I difficulty making my payment online and removing old financial accounts. Therefore, the payment I scheduled for XX/XX/XXXX were cancelled so I could get more information from Conn 's. I called Customer Service and the representative told me I had 3 accounts but he could not open any the accounts on the system. I asked for a supervisor ( XXXX ) where he stated my account was charged-off so I needed to speak to Recovery department. XXXX transferred to the Recovery Dept.  and I spoke to XXXX that told me I had a balance so my current account was placed there also. I asked her why would a current account be placed in the Recovery Dept/Charged Off. XXXX says because I had cease and desist calls. That did not make sense. Cease and Desist calls only pertain to calls not charge off accounts. I asked why were they trying to collect anything from accounts discharged in a Chapter XXXX Bankruptcy in XX/XX/XXXX. In addition, it wasn't legal what they were doing. They stated it was legal if I still owed money and hung up. I contacted the Bankruptcy Attorney and she called them which wasn't received very well. They told her I needed to get a Power of Attorney but I only needed a letter giving her permission to access to account. I faxed the letter to Recovery Department and they've refused to allow my attorney to get information about the account. 
Due to me involving my bankruptcy attorney to resolve that issue, they placed derogatory information on my credit report XX/XX/XXXX. Conn 's Appliance reported a derogatory status on my credit report in the amount of {$34.00}. I did not receive any notices, emails or told by customer service of any past due amount when I called. I have no idea what the {$34.00} past due amount and would have paid with my payment on XX/XX/XXXX. I do not feel it should be reported to credit bureau if the customer wasn't notified, emailed or had not been conveyed to the customer. A business shouldn't harass, attempt to intimidate a customer into making payment on discharged accounts.
Consumer complaint received 2017-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OH)

This is the second time I 've had to ask for assistance from the CFPB. I have many unauthorized ATM transactions on my Citibank checking account. I now have a small overdraft because of my missing funds and they 've threatened to close my account if the overdraft is not paid. I should have over $ 2k in my account. It 's been well over 10 business days since my dispute. They should at least provide provisional credit while they investigate. I thought that was the law?
Consumer complaint received 2022-04-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WLCC (FL)

My employer received an wage assignment via fax on XX/XX/22 that they were to start garnishing my wages within 10 days to pay off {$690.00}. I was notified by my employer and sent a copy of the notice on XX/XX/22 that they would start garnishing up to 15 % of my wages beginning on my XX/XX/22 check. The wage assignment faxed to my employer did NOT have my correct work location but had one that is closest to my home. I contacted Valley Servicing who was the company who sent the wage assignment and asked why I hadn't received anything via USPS prior to the wage assignment being sent to my employer and that I want something in writing via USPS and verification I owe this debt. They stated they sent it via email prior to the wage assignment which I never received. I asked if they had a judgement and they stated they didn't need one. On my XX/XX/XXXX check, an additional {$200.00} of wages exceeding the amount they stated I owed had been garnished from my check and have not been returned to me. The final amount should have been {$55.00}. I have contacted the company several times and was told they would refund the {$200.00} to my employer which has not yet been received. I made my final attempt to collect my refund on XX/XX/22 and was told they process refunds on the XXXX and XXXX of the month which was never disclosed in any previous conversation when I asked about the overpayments and when/how they would be returned to me.
Consumer complaint received 2019-11-07
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

Received several offers from CitiBank for a tiered checking acct. I would receive a {$1500.00} bonus if I opened a checking acct and met terms by holding funds for 60 days or more. I opened the account late XX/XX/XXXX and was told that the funds would be disbursed between XX/XX/XXXX and XXXX XXXX. On XXXX XXXX, I called and it was verified that the terms were met. So, the agent manually entered a release of funds request at that time. On XXXX XXXX, I called again to inquire about the delay and was told that I would not receive the funds as I did not meet their targeted audience. So, a dispute was opened ( XXXX ). Within hours, I received a reply in my secured account saying that I did not qualify because the e-mail offer was sent to my husband. This is outrageous as the offer indicated that this was an exclusive member bonus based on a longstanding credit card account ( ending # XXXX ) that we've held jointly since XXXX. Please note, that there were two online offers. One offer that I kept the e-mail on ( and which I've attached ) was dated in XX/XX/XXXX. Another offer was received a couple of months later with the same terms which ran until mid XXXX. I can no longer find the XXXX e-mail ( Its been over 7 months since I received it ). I didn't feel that I needed to keep all e-mails as I received a welcome confirmation e-mail which also listed the terms and terms and conditions ( also attached ). The terms and conditions state that the account needs to be opened and fully funded between XX/XX/XXXX to XX/XX/XXXX which is exactly what I did. There is nothing in the offer or the confirmation terms and conditions that state that the account could not be opened in my name ( this was done to avoid monthly fees as I'm a senior ), and it appeared difficult to open anything jointly. The money was deposited in good faith and I was never once told that I did not qualify even though I talked to customer service numerous times for fund updates.. At the very least, I should have been notified that I didn't qualify so I could place my money elsewhere where I would have received at least some interest without all the restrictions that CitiBank had on this offer. If I do not receive the bonus, then I essentially gave CitiBank {$200000.00} to hold XXXX for 6 months with no money earned. Since I'm a senior, this is a big loss as my husband are both retired and live off interest to pay our bills. It almost feels that CitiBank has resorted to deceptive practices so they can reject the bonus when it's time to pay out. 

I would like to have someone look into the Citibank tiered checking offer. Online complaints about Citibank indicate that I'm not the first customer that they misled like this. If nothing further happens, I may seek a class action lawsuit as this seems to be a common practice with CitiBank
Consumer complaint received 2022-10-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MO)

NISSAN MOTOR COMPANY / NMAC ACCOUNT : XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am a natural person, XXXX XXXX and am writing this letter on my own behalf. 
When I entered into this consumer transaction, with NMAC company account number XXXX that NMAC / NISSAN was and is in violation of 15 US code 1601, Ch. 41. 
Congressional findings and declaration of purpose. My understanding is that there must be an informed decision for there to be an agreement, and that did not happen between us. 
The first fact is that I made an uninformed decision when I entered into this consumer transaction.

Congress says in part ( a ) that there must be an informed use of credit, therefore this is a violation, as I made an uninformed decision.

Next, in part ( g ) congress says the the person to whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or, if there is no evidence then by agreement. You are in violation because there is no evidence of indebtedness, only an agreement, which is null and void because I made an uninformed decision. 
I also have requested to see proof that you suffered a loss or injury from the transaction. You have denied me that proof and a copy of the 1099C you should have filed after the charge off. I am concerned there may be tax fraud in addition to consumer protection violations. I have learned that the IRS defines charge offs as income and income isnt supposed to be reported on the consumer report. However, you have damaged my reputation by providing this to the credit reporting agencies for several years.

Finally, in part ( K ), Adequate Notice, congress says there must be a printed notice clearly and conspicuously printed so the consumer is reasonably expected to understand. A computer generated notice of legal jargon was not understood by me, it was not clear and conspicuous and this is in violation. 

Regards, XXXX XXXX XXXX Cc : CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX