davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I made a FDCPA formal inquiry into XXXX XXXX XXXX XXXX as well as XXXX. My formal request for the information that is due to me ( by law ) was sent via certified mail. After no response for more than 30 Days, I submitted this information to all XXXX credit bureaus, as The information was on my credit report illegally according to the Fair Debt Collections Practices Act. I sent copies of the formal requests for information AND copies of the certified mail receipts. I will attach those documents to this report as well. At this time i would like to know if Transunion is depriving me of my consumer rights under the Fair Credit Reporting Act. And I have received no communication from Transunion regarding the reasons behind their incorrect and unfair findings in this matter ; so can you please investigate this as well. If these companies are found in violation I believe I am due {$1000.00} per occurrence. Thank you very much for your time and diligence in this matter. These ILLEGAL negative items on my credit are creating financial hardship - I am a XXXX Veteran and I am on a fixed income. I would like Transunion held accountable if indeed I am correct.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ID)

My PayPal account was billed with a false charge that included a phone # to settle. Unfortunately I called the number and gave the hackers access to XXXX XXXX XXXX and credit card accounts. The fake bill was from XXXX and phone # XXXX XXXX XXXX. After they transferred funds within XXXX XXXX XXXX account I withdrew $ XXXX in cash to send by bitcoin ATM. Fortunately I wised up and stopped the transaction
Consumer complaint received 2021-10-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX {$20000.00} Balance updated XX/XX/2021 10 late payments Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$460.00} Balance updated Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$340.00} Balance updated Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$2200.00} Balance updated Account Info Account number XXXX Filed FTC, Remove these accounts from my report!
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (GA)

Today I got a message from a Bank lender saying that i had a debt collection note from Diversified Consultants on my credit report. I called them and I asked if they send any information or called me regarding this issue before putting the collection note on my credit report and they said no that they did n't have current information. I told them that I needed that note deleted and they said it is submitted we cant to anything. 
At this point I have a note dispute on XXXX, XXXX and XXXX. I also filed a complaint for XXXX on FTC. It is unbelievable how companies destroy people records without any care. My credit score is today XXXX points lower due to this issue. This is abuse and it should be investigated and punished.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (OH)

In XXXX XXXX, I received notification from a Macy 's Department Store Assest Protection Specialist in Flordia stating that XXXX individuals were found using my Macy 's credit card and charged {$1000.00}. I called Macy 's credt department ( managed through City Bank ) and reported that my credit card number had been stolen since the physical card was still in my wallet. They sent fraud documentation which was promptly completed and returned. I was told that the investigation could take up to a month and that I should not pay the bill on my Macy 's account. Further more, it was explained that once the investigation was complete and the fraud was confirmed the charges would be reversed. 
In XXXX, I called Macy 's credit and asked for an update into the investigation since my account was still showing as overdue. They stated they had no record of the investigation but saw the documentation and would escalate it to a supervisor and I would be contacted within the month for a resolution. 
In XXXX, I called Macy 's credit and asked for an update. They stated the investigation was still on going and to call back in two weeks but they would escalate it again. 
Meanwhile I began receiving calls from a collection agency regarding the outstanding balance of my Macy 's account. The collection agency stated that until Macy 's reversed the charges there was nothing they could do and would continue to call 4 times a day. 
XX/XX/XXXX, I called Macy 's to inquire about the status of the investigation. I was told that it had not been 2 weeks since my last call and I needed to call back. 
On XXXX XXXX, XXXX I called to inquire about the status of my fraud investigation. I was told that they could not give me a time line for the investigation and I would have to call back in another month! 
I have provided Macy 's credit with their requested fraud documentation as well as the criminal investigation conducted by the County Court in Flordia. This has now hit my credit score and has the potential to effect my work through my damaged credit score. Due to the hour long wait on hold with Macy 's my ability to " patiently wait for the next operator '' is limited.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair reporting act the list of accounts below has violated my federally protected consumer rights to my privacy and confidentiality under 15 USC 1681. 

Account name Account Number XXXX XXXX XXXX XXXX account. {$1600.00} past due as of XX/XX/2024 XXXX XXXX Open. {$930.00} past due as of XX/XX/2024. 
XXXX XXXX XXXXXXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/2024. 
XXXX XXXX XXXX Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/2024. 
XXXX XXXX  XXXX Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/2024. 
XXXX XXXX XXXX XXXX Collection account. {$5100.00} past due as of XX/XX/2024. 

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 a account without my written instructions. 

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, REMOVE ALL CLOSED WRITTEN OFF CHARGED OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS AND DEFAMATION OF MY CHARACTER AND A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!
Consumer complaint received 2015-11-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Ditech imposed a Past Due Amount on my XXXX/XXXX/2015 billing statement in the amount of {$240.00}. The Total Amount Due on my XXXX/XXXX/2015 statement was {$1100.00} and the Past Due amount was {$0.00}. They received my payment of {$210.00} on XXXX/XXXX/2015 and a payment of {$1000.00} on XXXX/XXXX/2015 for a total payment of {$1200.00} ( more than the required payment amount ) therefore I do n't understand how there could be a past due amount of {$240.00}? In the month of XXXX, they applied {$240.00} of my monthly payment to Escrow and the balance of {$960.00} to Unapplied Funds which caused all payments after the XXXX payment to be applied to Unapplied Funds. My escrow analysis said the shortage would be spread over 24 monthly payments beginning XXXX/XXXX/2015 therefore my XXXX payment should have been applied as billed ( {$200.00} principal / {$770.00} interest / {$190.00} escrow ). I 've been in contact with many Ditech people via telephone during the past 5 months trying to get this corrected but my account continues to show as past due and I continue to receive collection calls. 

I am tired of the harassing collection calls due to this error therefore I would also like to request, in writing, that no telephone contact be made by your offices ( Ditech Financial ) to my home or to my place of employment. All future communications with me MUST be done in writing and sent to my mailing address on file.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (AZ)

On Saturday, XXXX XXXX, XXXX, My wife and I went to our bank to apply for a re-finance of our home. I was told : " You have no credit reporting. '' My reply was : " I have a mortgage that I 've been paying on for twenty years. " " Whomever has your mortgage is not reporting any payments. '' was her reply. 
Upon returning home, I checked my XXXX credit scores. Green Tree Servicing has never reported any of my payments. 
Upon calling Green Tree Servicing, I was routed to a half dozen different people before some really rude woman came on to tell me that I had never filed a reaffirmation with XXXX after my bankruptcy in XX/XX/XXXX and because of that, they were not required to report my payments to the credit scoring agencies. 
I had filed bankruptcy in XX/XX/XXXX while still a customer of XXXX Mortgage and sent them a letter assuring them that I wanted to reaffirm with them, I had never missed a payment until I requested a Loan Modification from XXXX. The Loan Modification was completed and granted in XX/XX/XXXX, two years after my bankruptcy. 
With XXXX continuing to take my payments and granting a Loan Modification in the aftermath of my bankruptcy, they effectively accepted my reaffirmation,. 
In XX/XX/XXXX Green Tree bought my mortgage and stopped reporting, Now they want me to go to court to reopen my bankruptcy and do a reaffirmation with them, before they 'll begin reporting again. Three years after they bought my mortgage, they tell me this. 
This is effectively holding me as a financial hostage, because XXXX XXXX XXXX is no longer reachable. 
Now if I want to get any credit at all I 'm stuck, with only my mortgage payments as proof of my credit history. I hate being strong armed.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MT)

I went to buy flowers for gardening. And since I've really only used the Citibank card for transferring amounts and having that XXXX or low interest rate. Citibank decided I was having a fraud problem and I have had identity theft and other fraud problems. 

So I tried to accept the charges at the flower shop where I was trying to get gardening supplies and Citibank has you go through all of these different verifications your mother 's maiden name your code word your PIN number your social security number, the last XXXX of your card number which I have memorized. Then when you get to a person who's not in the XXXX, not at a bank branch and does not have any ability or authority to problem solve outside the script in front of them, then they suddenly won't help you unless you give them your phone number. Well, I actually have had my identity stolen and I have had problems with my phone being hijacked. So, why would I give you my entire 10-digit phone number when you should already have that information? Every other bank only asks me for the last XXXX have my phone number. I am more than happy to give you that. meanwhile, I have filed XXXX better Business bureau complaints hoping they would have the ability to get a hold of somebody at a headquarters who can actually problem solve and help me get my account closed. There has been XXXX response. 

I don't know what's going on at Citibank, but I'd sure like to be able to get my final amount and get an address to send a payment to and close this danged account.
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

After calling in to make a payment and switch ACH checking account numbers someone failed to take the payment out of the right account then I became sick with XXXX  and was hospitalized which made my payment late apparently in my account was closed after being open for 8+ years being hospitalized with some thing I could not control my acct was closed for one late payment that would never have been late if someone did their job and drafted the correct acct
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I have repeatedly sent letters to Experian, XXXX  and Experian regarding the incorrect addresses that are reporting on my credit report. It should only be one address reflecting where I currently reside and that address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. Please contact these bureaus and tell them to comply with my request, I have sent my utility bill with a letter requesting removal 3 times now and nothing has been done. I also have a collection reporting with all three bureaus from XXXX. I know for a fact this is not my account because of the inaccurate opening date that is being reported on my credit reports. This debt collection company is reporting incorrect information on me of an account that is not mine and I want it removed immediately. 

XXXX XXXX XXXX Original Creditor : 11 XXXX  XXXX  ) - XXXX
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My pleasure. My name is XXXX XXXX yesterday. I 'm. See into my credit report. My name is error. In my name to. my social is XXXX in my is XXXXis incorrect.. Please help me XXXX blessing
Consumer complaint received 2015-05-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (MD)

Car loan with First Investors Financial is reporting monthly late remarks after being approved for a loan extension. Account should not be reporting as late on credit reports. Also late fees are still showing in online account on their website, and I was told were to be added to the loan extension. A past due amount is reporting erroneously on my credit reports. And I am continuously robocalled numerous times a day about making a payment when my account is current.
Consumer complaint received 2021-06-04
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. (FL)

I sent a letter to all three credit report explaining my situation and the purpose to have a good credit. Recently my XXXX  was XXXX and they subtracted XXXX points because I open a new credit card and I think it is a lot of points and it is a mistake. My credit score instead of going up goes down. I dont have late payments and my credit uses it is not to high.
Consumer complaint received 2020-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

Per response to my previous CFPB complaint of garnishing me without proper notification, Midland Funding indicated that their attorney, XXXX XXXX, would be refunding me for the money collected from my paychecks, including poundage fees. 

The garnishment has since been released and of the {$5900.00} that was garnished from me in XXXX and XXXX I have received a refund of {$4700.00} from XXXX and XXXX checks in the amount of {$550.00} each from the courts. 

This means, as of today XXXX, I am still due a refund of {$110.00} in fees withheld by the courts.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

On XX/XX/XXXX I submitted my payment through the Carrington Mortgage website. A week later I received a letter stating that the payment date, amount and confirmation number of that payment. 
On XX/XX/XXXX I received a letter stating that I did not pay my mortgage and that a fee would be assessed. When I called the company, they said that they could not locate the account and that since payment was not made in time, I was late. When I asked why they did not contact me and let me know that they could not find the account information, and that I received a confirmation of payment letter, they stated that they " manage XXXX mortgages and that they may not have gotten to me ''. When I stated that this was not my fault, they said it was they stated " it was my fault because it was done through the website and I entered it incorrectly. ". I said " how do you know that and if that was the case why did n't I get a notification that you did not have the right information instead of a confirmation of payment? ". They referred me to the voicemail of a supervisor.
Consumer complaint received 2022-09-06
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 — Was not notified of investigation status or results
Company: BSI Financial Holdings, Inc. (GA)

To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft pursuant to 15 U.S.C 1681a ( q ) ( 3 ). I filed an identity theft report on XX/XX/XXXX. There are inquires being reported on my consumer report by TransUnion. There is an inquiry from XXXX XXXX on XXXX, XXXX, XXXX and there is another inquiry from XXXX XXXX XXXXXXXX XXXX  on XXXX, XXXX, XXXX. I did not give written consent to have these inquires reported. I made TransUnion aware of this by sending off supporting documents via certified mail on XX/XX/XXXX. The supporting documents included a copy of my license, for identification purposes, a copy of my W-2 for proof of address, a screenshot of my consumer report that shows the inquires, the identity theft report, an Affidavit, and a letter.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter to Equifax to remove incorrect information from my credit report. I have yet to receive a response and I believe that my name, address be corrected on my report. As a result, I have a XXXX XXXX XXXX line on my report and it does not belong to me. I request that this be removed. Equifax has had ample amount of time to fix this problem and I request that Consumer Protection Bureau investigate this matter.
Consumer complaint received 2015-10-13
Product: Prepaid card — Government benefit payment card
Issue: Fees — 
Company: Empowerment Ventures, LLC (MI)

Rush card was under maintance Monday XXXX XXXX,2015 from XXXX to XXXX, as of today Tuesday XXXX XXXX,2015, I ca n't access my account, my card is being declined, phones to rush are busy and hanging. I have XXXX children at with, expecting another and I need my funds now.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NY)

My situation is solely related to the XXXX XXXX Rush Card glitch. For almost a week now I have either not been able to access my account and or funds I have loaded funds to my account that have not posted to my account there has been funds taken out of my account without my permission for almost three days my balance said zero when I definitely had sufficient funds I have sent several emails tweets called several time only to be disconnected if this was any other prepaid card without a celebrity at its head this would be considered fraud.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

A letter sent to USAA Federal Savings Bank in XXXX XXXX, TX in XXXX 2014 was never responded to. Several bankers acknowledged receipt of the letter. After speaking to USAA, the letter was acknowledged as received and that they were required to respond. Numerous calls ( despite acknowledging receipt of the letter ) yielded no response. The banks user agreement clearly states that they will acknowledge receipt of a letter within 30 days and send a response within 60 days as either agreeing to it or denying it. To date no response has been received despite that this consumer is held bound to the user agreement if I do n't state otherwise. The purpose of the letter showed duplicate charges, late fees and fraudulent charges from the past not completely reversed. And some other issues concerning the users credit report.
Consumer complaint received 2016-10-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (VA)

I had a credit card account and checking account with Wells Fargo. The credit card account had a cashback program in which I had built a healthy balance. I never violated the cardmember agreement, yet Wells Fargo chose to close my credit card account. The cashback rewards balance disappeared along with it. This also resulted in damage to my credit score.