davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX ( XXXX XXXX XXXX XXXX ) from XX/XX/XXXX to XX/XX/XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract XXXX attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX to collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the three credit agencies in XX/XX/XXXX. 

This has been harming my credit history, profile and score since then.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (DC)

On XXXX XXXX, XXXX XXXX tried to refund me for flights that they had cancelled and sent funds to a Chase credit card that I had closed in Spring 2020.

Chase returned the funds to XXXX XXXX because they had purged my credit card records from their system. Chase instructed me to work with XXXX XXXX directly to obtain the funds. 

XXXX XXXX told me that they can only refund my original form of paymentthe closed Chase credit cardbecause it would be " illegal '' for them to issue payment in another form. 

After several correspondences, Chase continues to refuse to help me get the funds from XXXX XXXX, even though XXXX XXXX said they would resend the money if Chase asked for it. 

Thus, I feel that I have no way of getting the {$1200.00} that is owed to me.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (NC)

I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX to XXXX XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract XXXX attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX XXXX collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the XXXX credit agencies in XXXX of XXXX. 

This has been harming my credit history, profile and score since then.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender .. this was ran through a third-party with out my permission for these particular company thanks you
Consumer complaint received 2021-05-01
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: EQUIFAX, INC. (CA)

i am hoping I can finally get a response because the last 6 months I have not received responses to my request for investigations from XXXX, Equifax, and XXXX. My attorney has advise me to escalate this matter due to violations of not responding to my requests for investigations.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Transunion only has 30 days from the date I filed all of my disputes XX/XX/XXXX it's XX/XX/XXXX and they have not reviewed my information they are waiting for 60 days that is wrong 30 days is what they need Legally so I've called trans union they say that I'm on a blacklist and I don't understand why I can not talk to them on the phone they won't send me my credit report I can't get it through XXXX XXXX XXXX they will not send me the information that I am requesting I am going to sue them in my state in the courts. Trans union has don't corrected information on my credit report sent 4 months ago I sent them information to get XXXX XXXX off my credit they have not done that and I did not get any information back from them regarding that. This is abuse I have been humiliated this is an outrage with trans This is abuse I have been humiliated this is an outrage with trans union has done to be I am going to take further actions this needs to stop I'm not waiting 60 days I'll see you them in court before 60 days so tell them thatunion. They are holding information that they have no right to by themselves I want to know where my current credit report is I have the option to get it every week and they say I'm blacklisted I can't even talk to them on the phone this is ridiculous ...
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (IL)

On XX/XX/2021 and XX/XX/2021 I wrote to the head clerk of the federal court about proceeds deposited in the courts register as unclaimed funds. At this point I made the court aware that I had filed identity theft with the federal trade commission and IRS Department of Treasury and a cancellation of frauidary. The court uploaded the documents that I submitted to them to the docket. Next, I received an email asking me to upgrade from NetSpend prepaid card which I acquired in a separate transaction when I put {$700.00} on it a couple of months prior to NetSpend All-Access. When I tried to activate the NetSpend All-Access Card I received error messages. I called NetSpeed to try and resolve the issues and was told that they could not and would not activate the NetSpend All-Access Card until the dispute that was put in on XXXX, some 93 days earlier needed to be closed. I put in a request to closed the reminder of two claims put in with NetSpend on that Prepaid card. The one other complaint was closed without any effort of my behalf! Today is the fifth day and third business day since I requested that NetSpend cancel this reminding dispute when they originally told me that it would take one business day. I reached out to XXXX XXXX  regarding my trouble with NetSpend and they let me know that the IRS/Department of Treasury had created a checking account with funds available to me. In the meantime I have had several attempts on my life. I would greatly appreciate it if you can see to this matter as quickly as possible.
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

On XX/XX/XXXX, I emailed the Escalation Department about my 2nd Deferment and on XX/XX/XXXX, the response I received was unacceptable and irrelevant to my inquiry, in other words, the response omitted or did not mention details about the second deferment. 

On XX/XX/XXXX I sent another email request to the Escalation Department regarding the 2nd deferment but that request has gone unanswered, so I am filing a complaint for assistance. 

I was granted 2 deferments. The first was a ( verbal ) forbearance that converted into a deferment from XXXX, XXXX and XX/XX/XXXX. 

The second deferment was in ( writing ) and signed by a Shellpoint officer. See attached. HOWEVER, THE SECOND WAS NEVER HONORED AND NO ONE HAS PROVIDED ANSWERS. I received a cover letter dated XX/XX/XXXX with an enclosed written deferment agreement dated XX/XX/XXXX XX/XX/XXXX. The cover letter stated that the deferment was granted but correspondence might not have been sent to me. 

The written deferment agreement was signed and dated XX/XX/XXXX by Shellpoint Officer ( XXXX XXXX XXXX so why I was told on XX/XX/XXXX ( all calls into Shellpoint Servicing are recorded and I recorded calls too ) that I was not granted a second deferment and if payment is not made ( by the next day ) XX/XX/XXXX, that a late fee would be assessed and if no payment is received by the XXXX, then possible negative credit reporting, upon hearing this, I panicked, scrambled up a payment and made it online.
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (SC)

I mailed in a copy my dispute letter to experian on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SC)

On XX/XX/XXXX, an electronic bill payment was authorized from my personal checking account in the amount of {$340.00} to an account that is closed and no longer an active account. Once the funds were disbursed automatically the bank could not stop payment and advised I contact the credit card company.

On XX/XX/XXXX I contacted Citi Card and was routed to their payment investigation unit providing them information related to the payment and requesting funds be returned immediately. In addition, I also forwarded a letter via certified mail of my request requesting a refund due to the misallocation of the payment. Documentation included the online receipt and proof of payment. Note : Following my conservation with the representative in the Payment Processing Unit I was informed that I would received written correspondence with 15 days as all information provided was being entered in their system as an inquiry on my behalf. 

After no correspondence or response from Citi Card with the specified timeframe and despite the returned postal mailer verifying receipt of the letter, on XX/XX/XXXX, I reinitiated contacted with the company. This time customer service informed they did not have a number for the payment investigation unit advised I look the number up online then terminated the call. 

Any assistance Consumer Financial Protection Unit can provide would be greatly appreciated.
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several inquiries on my credit that I have no knowledge of and have been hesitant as I do not want alerts placed on my credit which is causing problems for me as I have issues accessing my credit due to previous Identity theft and unauthorized access to my report causing fraudulent activity and accounts being opened
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside the complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand I demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-07-17
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. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-08-28
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 — Their investigation did not fix an error on your report
Company: NCB Management Services Inc. (WI)

Recently after obtaining a copy of my credit report I discovered that NCB Management Services Inc is listed as a current creditor for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is reporting as open, and " Charged Off '' including Remarks ; Disputed resolved ; reported by grantor, consequently inaccurate balances have been furnished to all three credit bureaus. It appears the original creditor, [ XXXX ] sold the account to NBC Management Services for collection on XX/XX/XXXX, the initial loan amount reports a balance of {$2500.00} and secondly, a balance of {$2300.00} several disputes were filed with the Credit Reporting Agencies ( verbally and written ) between XX/XX/XXXX and XX/XX/XXXX. ( see attachment ) All three credit reporting agencies investigations have responded with " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a  consumer contract with my signature on it ) is required and Section 611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' NCB Management has failed to provide its source about how this information was obtained in accordance with the FCRA, and has owned the account since XX/XX/XXXX and failed to provide appropriate debt validation required by federal law verification before posting to my credit report An attachment is included with complaint confirming a request to obtain debt validation.
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We rented a property listed in XXXX. A XXXX reached out to us and approved our rental application. He requested I make a security deposit FOR A TOTAL OF {$2400.00} to an account at Bank of America with account number ending in XXXX of a Ms XXXX XXXX of which I did, in addition I sent another payment via XXXX to an account with the name : XXXX XXXX at XXXX in the amount of {$300.00} for utilities & maintenance. I requested the keys and they wanted {$500.00} more, to be deposited I found it suspect so I went to the home, and there was a sign for an invitation to lease the property from XXXX, so I called XXXX and asked why the house was still available when we currently held a lease for this property and we had paid {$2400.00}. Ms XXXX from XXXX told me I had been scammed and that I should file a police report immediately, which I did at XXXX, Fl police department. The officer told me to also notified Bank of America of the fraud. So I went personally to the bank, but they told me there is nothing they can do. I feel Bank of America is aiding and abetting their customer who is currently fraudulently using their institution as an instrument to steal from senior citizens.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Jim Bottin Enterprises, Inc (MA)

I can cancelled my gym membership with a company I wasnt satisfied with. So they would harass me in phone calls daily to the point I had to block the number since I was receiving 5+ call from abc finance.  They were claiming I owed them money and that if I didnt pay it they would send it to collections. I never once received any bills from to pay anything and I never received a bill that it was sent to collections. Now the company wont communicate with me what is going on and I have yet to receive a paper to settle with them. Plus I cant find anything that I owe them.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (WV)

Discover Credit Card took an unauthorized XXXX dollars out of my bank account. I asked the to just take out XXXX dollars automatically. Instead and without my knowledge or approval they instead took out XXXX on XXXX.20. I contacted them twice and both times they could not read policy or give me policy explaining that they were legally able to take money without my authority. They reported that they would do nothing to help
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NM)

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

This is a second complaint I am filing about Dovenmuehle Mortgage Company. Previous complaints # XXXX. 
Instead of clearing the problem they created they have now sold my mortgage to another company. The XXXX XXXX  XXXX is issuing an refund to Dovenmuehle for taxes that they paid after I already did. 
I am still paying Dovenmuehle & now the new mortgage company XXXX XXXX over $ 3200 monthly till the payment is received from the XXXX XXXX XXXXXXXX to Dovenmuehle. Who will send to new mortgage company. It now becomes the new mortgage companys problem according to my last communications with Dovenmeuhle. I received mortgage transfer notice on XX/XX/XXXX which states XX/XX/XXXX is the transfer to XXXX XXXX. 
I have asked multiple times to remove escrow account which the mortgage never had. This is causing my monthly payment to over {$2200.00} extra these last 3 months. I then have to get my refund from the new company I was told today.
Consumer complaint received 2021-08-18
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. (PA)

Disputed XXXX XXXX XXXX on my Trans Union credit file twice duplicate affecting credit and the original account XXXX XXXX XXXX was settled in my XX/XX/XXXX bankruptcy.
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (KS)

InXX/XX/2021 my stimulus check was stolen by peers of mine. They then signed my check with my name and took the stimulus to a wells fargo atm. They then deposited the check into the atm and deposited my government check with my name only on it into an account which my name was not present on. Wells fargo is claiming no responsibility in the misuse of my stimulus in the amount {$5600.00}. I believe it is there job to protect me as their customer. Their system failed and allowed my check to be deposited into an account of another Individual therefore they are responsible.
Consumer complaint received 2017-09-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted Capital One Auto Finance on Monday, XXXX XXXX, XXXX to inform them of an extended financial hardship due to the recent disaster called XXXX XXXX. I am currently on a payment plan and have a payment scheduled to be debited on XXXX XXXX, XXXX. I called Capital One Auto Finance to seek further assistance due to my inability to work which affected my financial circumstances as a direct aftermath from XXXX XXXX. The representative advised that I would owe {$860.00} on the scheduled draft date or be subject to escalation measures which includes repossession of the vehicle. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has declared the areas where I live and work as disaster zones which creditors are made aware of. Being that I will not receive compensation to meet the demands of Capital One Auto Finance in less than a week, I am afraid to loose possession of my vehicle which helps me to transport to and from school and work daily. I have been working hard to maintain the original loan agreement even though my current pay rate is 60 % less than what I earned at the time of the loan.