davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

I filed a complaint on XXXX/XXXX/XXXX and have progressed up to the following steps. 1, I have been given complaint number XXXX - XXXX. 2. My complaint had been received by CFPB and CITIBANK N.A. XXXX. 3. CITIBANK had submitted their response to CFPB and me 4. I have completed draft of my Feedback for The Company 's Response. However when I was sending it using the field in CFPB form, i.e. before I copy paste my draft all of a sudden the system was closed and so my complaint was closed. 

Iam now requesting a repeat for me to submit my Feedback for the same complaint I filed in XXXX - XXXX
Consumer complaint received 2021-07-07
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. (NY)

I sent several dispute letters to the credit bureau for the following account but still have not received any response from them. It is more than 45 days since I sent my last dispute letter. 
XXXX XXXX  Account # : XXXX ( XXXX  , XXXX, TU ) XXXX  XXXX  Account # : XXXX ( XXXX, XXXX, TU ) XXXX Account # : XXXX ( XXXX, XXXX  , TU ) XXXX Account # : XXXX ( XXXX  only ) XXXX Account # : XXXX ( XXXX, XXXX, TU )
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The NY Supreme Court took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections orjudgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was X/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.
Consumer complaint received 2018-01-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been having a problem with Bank of America since I filed Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Before, during and after Bank of America continued to auto draft my checking account for payment. I understand the the bank touching my checking account while bankruptcy is in process that is illegal. Did not matter to Bank of America. 
I have previously filed a complaint against BOA for not reporting on my credit files. Anyway I pulled my annual credit report on XX/XX/XXXX to see that BOA has been reporting this car note as derogatory and that it was charged off in bankruptcy, not true. I had the vehicle in this matter until XX/XX/XXXX when I traded it in to get a more economical vehicle. At that time BOA was paid in full by XXXX XXXX. I received a letter from BOA stating my loan was paid in full XX/XX/XXXX. This is correct, however they did not do any reporting to credit agencies to reflect this. 
I received a letter from BOA XX/XX/XXXX after I called to complain and it stated their credit reporting was accurate.After receiving that letter I went to BOA with, the paid in full letter, my bankruptcy report and the credit report showing them their error. I knew the local branch did not have the power to resolve this but they could get the information heading in the correct direction. 
For the last 6 years my credit report has shown this negative entry, which has hindered my ability to get credit. 
I feel BOA thinks they are above the law as they took funds from my account during the bankruptcy process. The amount is over {$1700.00} they were not supposed to get. 
The Bankruptcy Judge did not re-affirm the vehicle due to my income but the vehicle stayed in my possession until I traded it in XX/XX/XXXX. 
I can not get them to understand this information is incorrect and can not get it corrected without help. 

I have supporting documentation for this complaint which will prove undeniably they are at fault. I do not know where else to turn.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (NY)

Inquires are on my credit report that I did not make. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-04
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. (IL)

I had a three way discussion with a rep from their company, XXXX, as well as XXXX XXXX. XXXX was deducting my payment daily and sometimes several times a day. XXXX XXXX stopped this action. The cause was investigated and XXXX said on a recorded call that once XXXX released the stop hold for the 3 ACH payments, they would close the account 'as a courtesy ' and Paid in Full. I called three additional times to confirm they had payment once XXXX released the funds, once per week. They said it may take up to 30 days for them to receive it and in the mean time, they refunded one payment of {$42.00}, added interest charges and then sent it to collections. XXXX is aware I am on a do not call list, and do not consent to their calls. They provided my EMPLOYER PHONE NUMBER to the collections group in retalliation. Over {$62.00} and a verbal agreement they did not follow through on. 

Despite honoring my end of the agreement and XXXX releasing the 3 ACH 's back to XXXX, they sent my account to collections over {$62.00}, the amount of 1 ACH debit and fees. I have a ding on my credit since they closed the account as a charge off. It is no such thing. 

Should be Paid as Agreed, and XXXX needs to honor their end of the deal. Remove the account from collections and close as agreed. I will be filing a complaint in addition to this one with the Attorney General next and utilizing the call records if XXXX does not honor their end of the agreement.
Consumer complaint received 2017-11-28
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. (NY)

i sent in a dispute to Trans union, the item i disputed was XXXX, that 's the only XXXX account on my credit report, now i find out Trans union never sent in my dispute to XXXX they never investigate my dispute, i spoke to trans union the date of the dispute letter was dated XX/XX/XXXX so they received it about XX/XX/XXXX by law Trans union needs to remove it it from my report
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit reports and found I have unverified accounts listed on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

On the day of XX/XX/2021 my chase checking account in XXXX was compromised by a 3rd party via XXXX. I immediately called chase and reported the fraud. On Monday I had the XXXX of XXXX I was able to contact the fraud department to cancel my debit card that was on file with eBay and receive a new debit card. I thought everything was fixed chase said they would investigate. That Friday XX/XX/XXXX I received a package at my door. I thought it was strange because I had not ordered any thing. But it was addressed to my name. I opened the package only to see that some one ordered a car part in my name. I was still a little confused but the more I thought, I remembered my ebay account was charged earlier in the week. I logged on only to see that the transaction made on ebay was for car parts. I immediately contacted the seller. Explaining that my account was hacked into n I would like to send the parts back. The seller confirmed with me that I can send them back to the adress listed on the box they were shipped back ups ground with a tracking number XXXX on XX/XX/XXXX. Chase was then called and made aware of what happened and that the all though I was not the buyer but that seller received there merchandise back I also provided chase with all the tracking information. On XX/XX/XXXX chase rules in the favor of the third party who accessed my account and takes the amount of XXXX back out of my account and credits it back to the seller. Me being in a state of shock call chase, and chase tells me to call XXXX. I contacXXXX XXXX and they tell me their is nothing they can do because I contacted my financial institute. XXXX did how ever look into the account and under there investigation they determined there was fraud and that my account was accessed by a third party. They even wrote me a letter to provide to the bank. Saturday XX/XX/XXXX I walked into my local chase branch at XXXX XXXX XXXX XXXX Ga XXXX and talked to XXXX the branch manager phone number XXXX XXXX XXXX I explained the story to XXXX and even showed him my letter from XXXX. XXXX agreed after seeing the letter and faxed it to chase once again for the claim to be reopened. XXXX told me to call the XXXX XXXX number back in 2 days as it would take time to process. On XX/XX/XXXX I received a letter stating a denial to reopening the claim and was a laughed at by a customer representative supervisor by the name of XXXX when I questioned the denial
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Neon Newco Corporation (WA)

On XX/XX/XXXX I received a direct deposit from XXXX XXXX XXXX I it had a overdraft payment on it the total was XXXX was suppose to be sent to me in the mail in 6 days never showed up so on XX/XX/XXXX it was sent to treasury department and routing # XXXX acct # XXXX XXXX XXXX. Check number XXXX amount XXXX brinks meltdowns per paid card I have the XXXX XXXX card now and XX/XX/XXXX and still have n't received the funds and been to social security 5 times and to no avail no money yet
Consumer complaint received 2015-08-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (MA)

Debt Recovery Solutions of XXXX, NY ( XXXX ) had been harassing me for a debt owed by an XXXX XXXX. I do not know an XXXX XXXX and an XXXX XXXX has never been at this address or phone number. After being informed of this information, the harassing phone calls will stop for a few months. They have resumed again, despite repeated warnings.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updatedand accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, XXXX, EXPERIAN the also have records of file the are wrong.
Consumer complaint received 2017-11-28
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: Experian Information Solutions Inc. (AZ)

I have contacted XXXX several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. 

I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted the credit company on inquiry which were not authorized by me. Also contact TransUnion with several letters about these hard inquiries on my credit report. TransUnion refuses to remove these inquiries which were not Authorized by me
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AZ)

I recently set up a new personal checking/savings account with SoFi. I added my credit cards and mortgage for bill pay. Then linked my XXXX business account XXXX XXXX XXXX ( My first name, middle name, last name, XXXX ) and set up direct deposit for my paycheck. Also added {$3500.00} to the savings account. When XXXX sent {$.00} and {$.00} deposits to verify it was my account for transfers, this apparently flagged the Sofi account and its been frozen for over a week. XXXX stated it was because of unusual deposit amounts from an unknown account. I explained this was my linked business account I was transferring funds from. Ive spoken to Sofi three times now to unfreeze my account, as I have bills to pay. The last SoFi representative I spoke with stated there is no additional information, there's no time expectation to unfreeze the account, and there's no one else I can speak with. The representative then disconnected the call.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updatedand accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXXPlease remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, EQUIFAX, XXXX  the also have records of file the are wrong.
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Walter Lee & Associates, LLC (MA)

i been receiving a phone call from a walter lee and Associates LLc. i finally answered to the call. A XXXX XXXX claimed to work for the company. and that i owed money to XXXX the amount of {$240.00}. if i wanted to pay the full amount or do a payment pan of {$120.00}. They already had all my information including ssn, address and etc. All they needed was my bank information to make plans. i gave them the information. thinking i was fixing my credit. when i called to follow up the call went straight to voicemail
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

My husband and I applied for a modification on our home from our lender. The lender had already scheduled a foreclosure sale date on our property ; however, we were told by several customer service representative including our accounts manager that once we submitted the application for modification in its entirety that the sale date on our home would be postponed until a final decision was made. The sale date on our home is scheduled for tomorrow, XX/XX/2017. Our application was submitted on XX/XX/2017, I called every day for almost two weeks to ensure that our application was received and that they had everything needed to move forward with the modification review. Once confirmation of the receipt of our application was provided I inquired again to my account manager and several customer representative that the foreclosure sale date would we postponed until a final decision was made on our application. However, after not hearing from our lender I contacted the XXXX County Clerk of Courts on Friday, XX/XX/2017, to verify that the foreclosure sale had been postponed and I was told that it had not been. I contacted our lender on the same day ( Friday, XX/XX/2017 ) to find out why the sale date had not been postponed and I was told that our lender had denied our modification on Tuesday, XX/XX/2017, because " they determined that we did not have enough of a deposit to put down '' ; and that because the application had been denied they would be moving forward with the foreclosure sale on XX/XX/2017. When I asked why the foreclosure sale date had not been postponed as I was told that it would be, I was then told, " the sale date would only be postponed if the modification application had been approved '', this is not what my husband and I had been told previously. I asked our account manager why they had not contacted us sooner to notify us that our application had been denied since our foreclosure sale date was only two ( 2 ) business days away to see if we had a larger down payment to move forward with the modification, he did not have a response. I asked our account manager to ask how much they needed for us to put down as a deposit, he said that he would submit the request ; however, when I called him today, XX/XX/2017, I was told that they were choosing to move forward with the sale date. Now my family and I have no where to go as the foreclosure sale date is schedule for tomorrow, XX/XX/2017, and because we were told at the last minute that the sale date was not postponed we do not have time to seek other legal recourse. My husband and I were mislead regarding this matter.
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

This complaint is in regards to another complaint filed XXXX in which TD banks claims I removed a fraud block. However, out of the 6 fraudulent charges, I only removed 1 fraud block. I did not receive any td bank alerts on all the other fraudulent charges. Please provide me with a record on all fraud removals for each fraudulent transactions. Because I only have a record of 1 td bank text alert.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The NY Supreme Court took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections or judgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was X/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (FL)

Under the Fair Debt Collections act I've tried several times, to get ( Mr. Cooper ( Debt Collector ), to validate this so called alleged debt, but they have refused and continue, to try and force me, to pay the debt. Under Title 15 USC 44 I have the right to request these documents. Cooperate Records, Booking of Account Records. Also under the fair debt collection act it is illegal for a debt collector to purchase a debt and come after you. 
9-102a 65 A promissory note is not a Repayable Instrument. Title 15 USC 1 All contracts are illegal. Under Title 12 USC 1431 Banks can not lend money, so where did the money/ loan come from. Under Title12 USC 83a The promissory Note was monetized. This loan was sold numerous times. Mr. Cooper ( Debt Collector ) is the fourth, to hold this loan.