davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
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. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MO)

U.S.C 1692 e ( 2 ) False or Misleading Representations in Communications A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
I have reasonable cause to believe that ( AFNI Collection Agency ) is using my nonpublic private information to bring harm to me. They open this account without my consent. 
This Company is putting a lien on my License, and I tried to resolve the issue at hand, but the company refuse. 

UCC3-603 Tender of Payment, if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge.
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

I was advised on XX/XX/XXXX my account was going to be closed and no debits or credits would be allowed. I received a letter to XX/XX/XXXX stating the same information. On XX/XX/XXXX, a direct deposit from a hardship withdrawal from my 401k was accepted in breach of the notice via phone and the letter received. I have demanded the funds be sent back to the sender as is stated in the letter. The bank refused to abide by my request.
Consumer complaint received 2022-09-12
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: Ability Recovery Services, LLC (AZ)

I have a medical collection on my account for {$1200.00} which was not me. I have never heard from this company or have ever incurred a debt like this. I can not get ahold of the company and have tried disputing this twice with XXXX.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (MD)

We began the process to refinance our only home in XX/XX/2020. XX/XX/2020 we were told we were approved, and then sent a letter. Over the next few months, we heard nothing. I called many times, left messages, finally someone told us we needed to send them more documents. I did so immediately. Again, we heard nothing more. By mid-XXXX XX/XX/XXXX I called the gentleman who initially helped us AGAIN, his immediate supervisor, and HIS supervisor. NO ONE EVER CALLED ME BACK! Finally, early XXXX, XXXX XXXX called us, apologized for not being in touch, he was busy, it may take another 15-20 days before he contacted us again! I asked about lower rates, it had been 5 months, and we would like to know how to change the rate and/or when would we close. He sent us a letter the following week, ran a hard check on our credit scores, after us waiting almost 6 months with no word on the status! Our scores were affected bu the credit pull, so we knew we could have other companies di the same without penalizing our scores. Basically the entire process would be restarted, they requested the same documents we had already sent!!! Instead of starting over and dealing with them further, we gave up, called XXXX XX/XX/XXXX got a person to help us, who calls us at least weekly, and explained everything we needed to submit. At this point, we have paid another application fee and the {$900.00} we had to pay for Citi to work with us -- it was all in vain! No one would ever return our calls. I filed complaints with the 800 number at Citi, to this day no one has ever called or contacted us in any way! I feel that we were treated unfairly, our out of pocket expenses of {$900.00} were very hard on us. We are both seniors with fixed incomes. Through no fault of ours, Citibank Mortgage failed to close with us or contact us in any way over the 6 months we worked with them. I have the letter dated XX/XX/2020 they initially mailed us to prove the date we began the process. We also made XXXX and everyone we tried to reach that being XXXX years old, we had no email addresses we could access or use. They would have to call us or mail us hard copies. We were assured this wasn't a problem! We feel duped and that our {$900.00} in fees were wasted as Citibank Mortgage had no intention of ever settling with us in a timely fashion. I have called lately to request our funds be returned, no answer or returned calls as of this writing. My daughter will accept any emails pertaining to this issue, and will be listed on this complaint!
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

When I opened an account with Fifth Third Bank it was a free account with zero minimum account balance and zero service fees. This was in XXXX. On XX/XX/XXXX Fifth Third Bank, ( XXXX XXXX, Michigan ) charged me an XXXX dollar service fee and reversed it on XX/XX/XXXX. They told me they made a mistake then. On XX/XX/XXXX they again charged me an XXXX dollar service fee but only reversed it for the amount of XXXX dollars and only when I told them they were thieves. They said they changed my account 4 years ago but never told me they were doing so. The branch manager, XXXX, said they have a right to change anything involved with their bank and in a loud toned voice towards me. I have been complaining about their bad banking and currently in the process of changing my direct deposit information so I can leave this bank. I think the public should be aware of how they swindled an elderly adult. If this Financial Institution nickel and dimed everyone like they did me they are making a great profit on a persons hard earned money.
Consumer complaint received 2019-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I was reviewing my credit file and this company CACH/RESURGENTS is trying to collect {$440.00} from me and I have never had any dealings with this company and they are reporting late payments on my credit report from XX/XX/XXXX-XX/XX/XXXX. Please have them send me documentation of account opening and proof of me signing a contract with them which says I agreed to pay them {$440.00}. If I owe them this money, what did i receive or purchase for {$440.00} because I have no idea this account was opened in my name. I have no knowledge of this debt and do not owe them {$440.00}. 

Thank you,
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (UT)

We have had this account for years and decided to transfer XXXX dollars to my XXXX XXXX account. Venmo stops the transfer and has been holding the money ever since. My wife has been getting her paychecks there recently. They claim it was a suspicious account, We use our account like any normal person. Pay bills, order food, and get a paycheck from a reputable company. We closed the account because they will not give us our XXXX dollars back.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The Bank of America Business Advantage Fundamentals checking account offers three ways to waive the monthly fee. One of them is a having a combined balance of {$5000.00} in accounts. I have a certificate of deposit in the amount of {$4700.00} and a checking account with more than {$400.00} in it. I called Bank of America on XX/XX/XXXX to confirm that this would make me eligible for a waiver of the service fee and the agent I spoke with confirmed that it would. However, on XX/XX/XXXX, I was charged a {$16.00} service fee. I called on XX/XX/15 and the agent I spoke with said that the previous agent was incorrect and that I was charged a fee because my CD is a personal account and my checking account is a business account. If I had known this information when I called on XX/XX/XXXX, I would have taken one of the other options to waive this fee, but I did not do so because of the incorrect information I received.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of late accounts on my credit report. It has come to my attention that there are multiple instances of late payments listed that are not reflective of my payment history and are in violation of the Fair Credit Reporting Act. It is imperative that these inaccuracies be rectified promptly to ensure compliance with the law and to uphold the integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

ARS ACCOUNT RESOLOUTION {$620.00} debt, which only reports to XXXX that they are trying to collect which is not mine. I have wrote and disputed with this company and they seem to ignore me.I have received no answers. The company can not provide any contract that I have signed with them.
Consumer complaint received 2021-11-05
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. (NY)

XXXX has a hard inquiry on my credit report when I've never been to that location or had my credit inquired ever in my life. I do not have a vehicle with these people nor have I done any business with them the fact the they is any inquiry from them is fradulent and I'm done dealing with them and the Experian team. 

Be weary of car sales people!
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (IN)

I bought my car for {$15000.00} from XXXX with a loan from Exeter Finance,  XXXX of XXXX. I made payments on time until XXXX of XXXX, when my car was stolen. I was not aware that I was to be responsible for payments until my insurance paid out. I spoke with Exeter Finance multiple times over the course of 4 months and not one time was I advised to make a payment nor was I advised my account was nearing " charge-off '' status. I never received any sort of communication from Exeter until after my account had been " charged off '' which was after my insurance had made their pay out and i had an insurance deficiency balance of {$630.00}. I never had any intention of dodging payments made to them, I simply did not know how much money I owed them nor did they communicate the fact that I needed to make a payment when I talked to them. There was one point, I called to get information on the remaining balance after insurance would pay out. I was told there would be a $ XXXX balance, which GAP and refunded warranties still hadn't paid out ; however, I was not told that my account was being charged off nor was I told I needed to make a payment. On XX/XX/XXXX, 2 weeks after receiving the notice of deficiency balance, I made a payment of {$150.00}. This was when I discovered the account had been charged off, so I called to ask about it. The call center associate, XXXX, was rude and spoke to me like I was stupid, she acted like she didn't care about my situation and refused to transfer me to a manager. I hung up and called back, this time I was connected to a manager. As I explained the situation, I also explained that it is not good business practice to not communicate with your customers when they are going through such a confusing process such as a claims process. He didn't show any compassion or care whatsoever about what I was saying.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Notified by letter from USAA dated XX/XX/21 informing me that a Visa card was closed in error. When USAA was contacted a request to provide documentation from the CRAs showing my account was cleared and no impact on my credit had occurred. The response was that I would have to contact all 3 bureaus and it was not their responsibility. The fact is that closing any credit card account does in fact lower your credit score. It was closed although the account was and always has been in good standing. Closing the account was unauthorized and having me check my credit at my time and expense is unimaginable. USAA has a track record several years back of opening accounts in members name and was sanctioned and fined. Once again, USAA seems to operate with no regard for banking rules.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (CA)

This is an online money market account AXOS Bank, also operating as XXXX XXXX, sent me a threat lettter, that if there was no activity on my account, they would report it to the government. 

I then attempted to log in. My password did not function. After a long time dealing with their customer service people, they said they would e mail me a password change request. It never came. ( all my other e mails reach me and I had nothing in spam filters ) Finally, I called back to close the account. They said I had to log in to close the account. Again, a long time on hold. I explained I CAN'T LOG IN TO CLOSE THE ACCOUNT because the system won't let me log in. 

I do online banking with other money market places, and no such problem. 

I have attached their little threat letter. 

All I want is to close this account without having to log in to their shabby website, which I can't do. 

Now, they are saying they will send me a message that I have to respond to in order to verify it, so I can close the account. However, to see the message, I have to log in to their website, which has been impossible.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

Hello, I was in a the market to shop for car and they pulled my credit from few different lenders without disclosing it with me. 
I tried to dispute it with XXXX, XXXX and Equifax and i did not get a proper respond. I'm very upset that those hard inquires is going to be on my credit repots which I did not allowed it. I would appreciate it if we could get those removed. 

Thank You
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, NY XXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

XXXX myself and my wife were discharged from Chapter XXXX bankruptcy. Continued to make voluntary payments to first mortgage holder ( Loan Number XXXX ) Nationstar Mortgage ( dba Mr.  Cooper ) until it became impossible to continue. XX/XX/XXXX applied for Deed In Lieu program with Mr. Cooper. Was accepted into program and on XX/XX/XXXX Mr. Cooper offered the second trust holder XXXX , XXXX ( Loan Number XXXX ) {$6000.00} to release the 2nd lien ( see attached ). 
Mr. Cooper did NOT follow up with XXXX, XXXX and allowed their XXXX program with me to expire. I contacted XXXX by phone twice and lo and behold on XX/XX/XXXX ( see attached ) XXXX accepted Mr. Cooper 's offer of {$6000.00} provided they received said {$6000.00} by XX/XX/XXXX. When I notified Mr. Cooper I find out that my DIL with them had expired. I got it re-instated and was told that they had everything they needed and were waiting for the final approval from their Underwriter which they expected shortly. Things dragged along with Mr. Cooper and I contacted them and was told not to worry that even if they got final approval from the Underwriter in early XXXX it was more than enough time for them to make the payoff to XXXX by XX/XX/XXXX. 
In the interim, unbeknownst to me, Mr. Cooper had referred my loan to their attorneys for foreclosure and the foreclosure sale date is to be XX/XX/XXXX. I was very upset but was told that as soon as they got the final approval and paid off XXXX they would tell their foreclosure attorney to withdraw the foreclosure and everything would work out fine. 
Well it didn't work out fine. Yesterday ( XX/XX/XXXX ) I get a call from Mr. Cooper telling me that since it took so long to get to this point ( which was all due to Mr. Cooper 's foot dragging and incompetence ) that their Investor had decided there was not sufficient time to get all the paperwork done prior to the XX/XX/XXXX foreclosure date and withdrew their commitment to purchase the loan. Now unless I get some quick help from the CFPB my former home is going to be foreclosed upon instead of a Deed In Lieu. This is totally unacceptable! I went above and beyond to live up to my end of the bargain while Mr. Cooper dropped the ball several times. I want you ( the CFPB ) to make them honor their commitment to me.