davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (GA)

I had a gym membership ( XXXX XXXX ) and due to covid was unable to use the membership. Once the establishment was re opened I went in to cancel my membership in person. The receptionist said the person who could cancel my membership was not in therefore gave me a email address which was incorrect I reached out several times with out any assistance. First credit services reached out to me and I provided email documentation to them as proof that I asked for membership to end. They ( first credit services ) did not respond either. I received a letter and disputed the validity of the debt and still did not receive any proof that I indeed owed the debt or the questionable amount. I feel that both the original creditor and collection agency are taking advantage of people during a vulnerable time. I was current with my membership and paid for the last month in advance. I do not owe any money for a membership that I tried several time to cancel because I felt that my health was at risk. There has been no action taken to rectify the issue. As a result my credit has been damaged for something I do not owe.
Consumer complaint received 2020-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (FL)

XXXX XXXX  is trying to collect a debt that belongs to XXXX XXXX XXXX which I signed as a company officer and XXXX when out of business, I call XXXX   and was told that they wrote it off as a lost and they are no longer trying collect but can not supply me anything in writting because the debt is to old and they can not open it on their computer. 
When I CALL XXXX I was told that they don't have that account anymore and was supply with a attorney phone number XXXX account number XXXX. I ask XXXX to removed it my fro my credit report since they don't have the account anymore and was told to call the attorney supply above. 
When I call the attorneys office all they had was last four of my social and amount owned they where waiting for XXXX for more info from, Now that raised my eye brow. 
Now I have a different collection agency calling about the same XXXX account. 
ERC is the collection agency I pick up the phone and call XXXX XXXX they don't know anything about the attorney or the agency ERC. 
After three hours on the phone all I did was waste my time and can not get a stray answer.
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (IL)

XX/XX/XXXX, Barclaycard US website and customer Service down. Can not login or speak with anyone. XX/XX/XXXX, same issue. XX/XX/XXXX, customer Service rep answers but does not speak English or comprehend what I am asking and refuses to help me any further. Discontinued my call. I have been trying to re order new cards to use, I didnt receive new cards in the mail. Should be a simple transaction. Still can not login online, doesnt accept any of my personal information.
Consumer complaint received 2021-06-08
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: CITIBANK, N.A. (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

I was informed that aI needed to file a complaint since I have a checking and/or savings account with Wells Fargo bank between XXXX. I have had accounts with Wells Fargo since 2004. I was told that a class action lawsuit was underway. So, I wanted to be sure to be included.
Consumer complaint received 2022-04-29
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. (TX)

this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the XXXX credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. to this day which is well over 30 days. i have yet to hear a response regarding disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING ignored. 

Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been well over 30 days so they shall be deleted promptly as stated by federal law.

I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me.

The credit bureaus also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. 


XXXX XXXX MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( XXXX  ) 2. # XXXX ( TO TRANSUNION ) 3. # XXXX ( XXXX ) The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME.
Consumer complaint received 2020-07-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TrueAccord Corp. (TX)

On Thursday, XX/XX/2020, I received a first-time email from a collection agency known as TrueAccord working for XXXX XXXX, on behalf of XXXX XXXX XX/XX/XXXX, attempting to collect an alleged " outstanding balance of {$1300.00}. '' I had no idea I was in default of any kind to XXXX XXXX XX/XX/XXXX. Regular payments were made despite no flexible payment plan during COVID. And if XXXX XXXX XX/XX/XXXXstopped sending me bills than it was on its part. But turning my account to a collection agency without any prior discussion and notice is unacceptable business practices and policies.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I've been trying for the last few weeks to set up a my.equifax.com account. Because my credit file is thin, they have asked me to mail in documentation. 

After that, they entirely stonewalled me. Calling them just causes me to go around in circles before they hang up on me. ( I have recordings, but because Equifax still reads out personal data like social security numbers, I'm not going to publish those ). They promised me on XXXX, for example, that I could talk to an agent at some point, then never actually scheduled the call as far as I can tell.
Consumer complaint received 2021-02-02
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. (GA)

To whom it may concern, I have been in contact with the credit bureaus concerning an information that is being reporting to my reports. I asked for additional information such as documents with my signatures and have yet to receive any of my request. This is out right unfair and this should not be allowed to happen. I also have requested information from the creditors as well and all I am getting is silence. The last letters were sent on XX/XX/2020 ( certified ) and I have yet to receive a response. The credit bureaus are not in compliance and should be held accountable.
Consumer complaint received 2022-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MS)

I recently had a conversation with a representative from Santander concerning a deferment with XXXX and/or XXXX car payments. 

I was directed to the loan officer there and she questioned me about why I needed a deferment and why was I not able to pay my bill. She went to say I had been late 7 other times during the possession of my vehicle. She wanted to know why, and then she asked me why my husband could not make payments. She then asked me why to keep my car if I am not able to pay or how was I going to keep something that was making me unable to keep paying for it. I replied, dont worry I am not losing my car, then I hung up. I called to try to be proactive and the representative was so mean and horrible in how she spoke to me. 

Right after our conversation, I received a letter that was typed on XX/XX/XXXX, stating XXXX and XXXX payments must be made by XX/XX/XXXX or repossession. I attached a copy of the letter.
Consumer complaint received 2021-06-08
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: OneMain Finance Corporation (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-04-29
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: Freedom Mortgage Company (CO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-10-20
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. (TX)

i am a litigious consumer who has been violated by the credit reporting agency known as TRANSUNION LLC. after 4 attempts starting in XXXX of 2020 through XXXX of 2020, i have sent to transunion llc certified letters with proof of my identification, address, etc. etc, asking them to remove erroneous, and unverified accounts on my credit report, and to no avail each time they have continued to violate the FAIR CREDIT REPORTING ACT, that states under ( section609 ( a ) ( 1 ) ( A ) and ( section611 ( a ) ( 1 ) ( A ) that they have a copy of the original creditors documentation on file to verify that this information is mine and correct, in all four of TRANSUNION LLCS. RESPONSE LETTERS. they stated in writing that all of these erroneous items on my credit report had been verified, without any proof to me ( the consumer ) furthermore they failed to provide me the method of verification as required under ( section611 ( a ) ( 7 ) i also advised them that under the fcra ( section611 ( 5 ) ( A ) that they were required to PROMPTLY DELETE ( ALL ) INFORMATION WHICH CAN NOT BE VERIFIED, the law is very clear as to the civil liability and remedey avail ; able to me ( section 616 & 617 please assist me in this matter for TRANSUNION LLC. TO COMPLY WITH FEDERAL LAW, and remove these unverified accounts from my consumer report thank you
Consumer complaint received 2022-04-29
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-09-27
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: Fidelity National Information Services, Inc. (FNIS) (PA)

I am a victim of identity theft therefore I often check my credit reports across the three most popular bureaus XXXX, XXXX and XXXX. On XX/XX/2019 I additionally requested a copy of my credit report from another reporting agency, Chexsystems. When I received the results from Chexsystems it was founded there were 0 accounts delinquent but there had been several attempts to pull my credit accruing several inquiries. I reached out to chexsystems to make them aware that it was fraud attempts on my name and requested to have the inquiries removed. I then submitted a written request to have the inquiries removed. I have yet to see results. The companies reporting inquiries include 3 attempts  from XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX. These accounts are Unverifiable. Please remove ALL inquiries for they are not mine and consequently are having a negative impact to my credit report.
Consumer complaint received 2022-10-14
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. (GA)

I have sent out all that was required of me by XXXX and Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX report.
Consumer complaint received 2022-04-29
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: OneMain Finance Corporation (CO)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section640 A Section 2 : it also states a consumer reporting agency account furnishes an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I applied to FedLoan to consolidate and achieve forgiveness on my FFEL loans. Consolidation was complete in XXXX and I submitted my employer certification form shortly after also in XXXX. I re-submitted the same form again in XXXX because there has been no movement. Im reading that people that applied for forgiveness after me have received forgiveness and nearly 5 months later I dont even have payment counts. They are not reviewing cases in order. I called in XXXX and was told it could take 120 days from the forgiveness application. Its been more than 120 days.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, XX/XX/XXXX of 2022 was when it happened XXXX XXXX had used my debit card and our linked bank account to make repetitive withdrawals straight from my Bank of America account the sum for XX/XX/XXXX was $ XXXX and I didn't notice the transactions were made I woke up on the XXXX to find XXXX XXXX and BofA had allowed {$1600.00} withdrawal straight out of my account and into my wife 's XXXX XXXX account that was immediately transferred to Bitcoin and sent God knows where I called the bank immediately to let them know this must be a joke my debit card should not be linked to anyone else 's XXXX XXXX  and they should not be able to make cash withdrawals especially in that amount that many times there were 12 withdrawals one after the other and I told them I had recently had fraud issues with my other account when my phone was lost and as soon as I realized someone had mess with my account before all charges had even gone through BofA told me I would get a new card and they would investigate I filed a police report immediately and tried to show BofA all the confidence I had and upload my documents but they would not let me offer anything until after there investigation. They later about 9 days after the complaint came back with a denial of my claim and a statement that an authorized user must have made the charge but they didn't even check anything I kept calling to let them know I no longer have control of the XXXX XXXX account it has been completely taken over by fraud I don't know we're to turn and I need help they offer none
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

On XX/XX/2021 I transferred money through my bank using Zelle in the amount of {$1000.00} to my daughter. She never received the money. Called Zelle on several occasions they said they sent it. Zelle sent me a Trace No. Contacted XXXX, the intended receiving bank, and they said they never received it. Asked for investigation. My bank sent me verification of money transfer. Had an attorney send them a letter on XX/XX/2021 to Zelle Corporation Headquarters and XXXXXXXX XXXX asking for investigation and transfer or refund of money along with any fees. Zelle 's legal entity Early Warning responded on XX/XX/2021 stating that they confirmed with XXXX that they received the money. Early Warning supplied a number that they delivered the money to. The number they provided is not accurate. It is not the number that was used with my original bank, nor is it the number that XXXX has. Zelle did not transfer the money as requested to the number provided. It is seriously hard and laborious to contact Zelle and or their legal representative. They must return the money to me along with cost.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One refused to provide written instructions to consumers on how to close checking or savings accounts. The terms and conditions of the service disclosed to the customer never explicitly specify that customers who do not communicate via telephopne ( including TTY ) will not be able to close their accounts. In addition to that Capital One refused to provide reasonable accommodations to consumers who do not communicate via telephone ( including TTY ) under the Americans with Disabilities Act.
Consumer complaint received 2018-02-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

After filing my complaint with cfpd Pennymac contacted me. Once I recieved the letter detail all but one of my request. I contacted the agents phone number listed but they have not responded to my cal over a month and a half ago. My question had to do with the borrower who has refinance FHA-to-FHA and the refund of my Up Front Mortgage Insurance Premium. According to the FHA Loan Handbook, HUD 4000.1, The UFMIP is not refundable, except in connection with the refinancing to a new FHA-insured Mortgage but only within a certain time limit.