davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX ( plaintiff ) and XXXX XXXX ( accused ) entered into a mutually agreed upon written contract for the renovation of the property located at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX on XX/XX/XXXX. The accused made a written promise ( contract ) to renovate the above mentioned property within eight ( 8 ) weeks for a total sum of XXXX XXXX dollars paid to him at predetermined intervals of two weeks. The accused not only failed to deliver on his contractual obligations, he resorted deceits and series of lies and false statements ( please see XXXX text messages screen shots attached on the accompanying USB flash drive ) regarding the state and the progress ( or lack thereof XXXX of the renovation on the property in question. By XXXX of XXXX, the accused had also received the full payment ( construction loan draws ) with very little work complete with no end in sight. Furthermore, the accused fraudulently induced payment which were NEVER applied toward the purpose it was demanded for. The series of deceits continued and the plaintiff was left with no choice but to seek legal help. A Notice of Default and Demand to Cure was sent to the accused and was given a months time to fulfill the contractual obligation. The accused failed to comply with the Notice of Default and Demand to Cure and was sent Notice of Termination of Construction Contractii with instructions to account for and return the unused portions of the construction trust fund under his fiduciary custody. The plaintiff not only failed to comply with both notices, he is now attempting to circumvent his fiduciary obligations by filing for chapter XXXX bankruptcy. By XX/XX/XXXX of XXXX, the renovation work at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX was in an unfinished state and the accused is in possession of funds despiteseveral requests and notice from the plaintiff to the accused to cure and or to return unused funds. Accused also failed to mention his fiduciary obligation in his bankruptcy court filing, he has attempted to deceive the court by surreptitiously and obscurely mentioning just the law firms name and an obligation of {$0.00} on Schedule E/F Part 2 4.45 as a NONPRIORITY Unsecured Claim. Accused violated several sections and articles of multiple Texas statutes and Title 11 of the United States Code which are described and referenced in detail on the accompanying USB flash drive. I have suffered massively due to this criminal act. I am also trying to have this information displayed on credit bureau 's websites and for them to share this information with inquirers but they have not complied so far. I am requesting CFPB to force them to share my story as well.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

Card opened between XXXX XXXX XXXX and XXXX XXXX XXXX. 

Company name- CBNA/SEARS I had gotten a notification on my phone that I had a new credit inquiry. I know I have n't applied for anything because I and trying to rebuild my credit! I checked the inquiry and did not recognize the name of the company and know that I do not shop at sears! Looked for a phone number to the company but could not located one via the internet. I just want this off my credit
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

Collection Agency by the name of Diversified Consultants Inc. is reporting a debt of {$1600.00} that they claim I owe to XXXX XXXX XXXX XXXX. I never had an account opened with XXXX XXXX XXXX XXXX so I called Diversified Consultants to try to resolve this matter. I was given the run around and promised proof of this debt upon my request. I waited over 2 months for these documents which never arrived. I filed a complaint against Diversified Consultants with the XXXX. They finally responded to the complaints by saying this maybe a case of fraud but proceeded to say they will not remove this debt and they have no wrong doing. This is a shameless company that has no regard for customer service and following laws.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
Consumer complaint received 2018-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I invested money in Cryptocurrencies via Coinbase. After a couple of months, I made a profit and started the process to withdraw funds, I made a SEPA payment to link my bank account to Counbase to withdraw, it has been a few weeks since the SEPA payment and the only response I get is, we will get back to you in 2-3 working days. I have around 600 in the account so its important j get it out.
Consumer complaint received 2018-07-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (MI)

I received an initial demand letter XX/XX/18 from XXXX XXXX XXXX. They had already begun calling me on XX/XX/18 before i had ever received their letter. Had i known what this was pertaining to i would have advised them it was not my debt. They were threatening and rude. Someone else used my social security number to obtain this loan. They called my parents and they were harassing and threatening. I do not owe this debt and I requested well communication be written through their website. I submitted in writing through there website a dispute. I expect this matter to be resolved.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (GA)

I have been in touch on several occasions with Barclay / Advantage Aviator credit card customer service by phone. I attempted also to chat with someone but there was no reply. I am now sending in writing the same complaint : There is an error in a balance transfer from my XXXX account. You will see two balance transfers : one for {$6500.00} and another for {$5800.00}, both are showing as XX/XX/2023. There should have been only ONE balance transfer, not two. The first transfer took my other credit card to a zero balance. The second took it to a negative {$5800.00}. This occurred because when I created an online account, the balance transfer was NOT showing, so I entered it again. 

When I spoke with on of many Barclay representatives over two months, I learned the issue apparently was handed over to another Barclay representative with an Incident number : XXXX. I have had NO contact with this person, only the representatives at the customer service number, who apparently are not able to do anything to rectify the situation. One of the representatives told me the correction would take place within one to two billing cycles. That has not happened as we approach the third billing cycle. 

Because there has been no action in more than two months, I am reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and to XXXX XXXX, so that they have information on how poorly their partner Barclay treats customers. 

So that you understand, I am paying interest on a false balance and my credit has been negatively affected. Barclay had the audacity to email me this week stating thwt my credit score had changed. It is because of Barclays error. I am getting NO COOPERATION whatsoever from Barclay.
Consumer complaint received 2018-07-10
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. (TX)

I pulled my credit report and XXXX XXXX XXXX are on it. I have never received any correspondence from their office asking me about this alleged debt. I have never done business with this law office. I did not have the opportunity to dispute this matter as required by law. I am trying to buy a house and this is damaging my credit rating.
Consumer complaint received 2020-09-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have been unable to make payments due to financial constraints. I was able to enter into a payment agreement with the company. However, due to an error by my work, funds were directed to a closed bank account. Therefore I was unable to make a payment as agreed upon. They started calling me several times a day. I finally got word back from my work when I would receive those payments and decided to answer their collection calls. I was speaking with the agent and notified him of my predicament and let him know I would be able to pay past due payments and be caught up with the payment agreement in 7 days when I got the money. He told me they were going to repossess the car and asked where it was. I told him he was not going to get it from me and that I would make my payment in 7 days. He then threatened my saying they were going to take legal action for hiding the car. I then proceeded to tell him the car was with my wife and that she was traveling ( which is the truth ). He then accused me of lying. And was yelling at me for lying to him ( which I didn't, I told him I wasn't going to give him the car, not that I didn't know where it was. ) He continued to threaten to proceed in a court of law. He also stated that he talked with my wife and she said to call me. He stated that I had to be lying about the cars whereabouts because she told him to reach out to me. I am the one in charge of finances, which is why the debt collectors were referred to me because I am the one who knows when we would be able to make the payments and for how much. But he continued to insist that I was lying to him and continued to threaten legal action against me for refusing to surrender the car. I then requested a supervisor. The supervisor was very polite and understanding of the situation I was in. He told me that the department they were in would not know anything in regards to legal actions and were not allowed to make legal decisions or discuss legal matters. He stated that the attempts to repossess the vehicle would continue until the payment was made and that they looked forward to receiving the payment the following week and wished me the best of luck. I fully understand the attempts to contact me and attempts to repossess the vehicle. However, threatening legal action ( which is legally not allowed ) when someone is honestly trying to pay the debt and has been put in a bad situation due to unfortunate circumstances is beyond aggravating and I will ensure that any future auto loans are not with Capital One Auto Finance.
Consumer complaint received 2017-12-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (AZ)

I was told five years ago by XXXX XXXX that I could not use there services! I try to send a wire transfer yesterday and it was refused after I sent it! How long do I have to wait until I can use your company again??? 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-21
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. (FL)

I have submitted a dispute regarding collection accounts to XX/XX/XXXX Equifax, and the XX/XX/XXXX credit bureaus.On my 3rd dispute attempt I sent the actual status updat of the collection accounts were actually closed prior to the 1st initial dispute request in XX/XX/2020. 
I have requested the deletion of the accounts based on the accounts not being verified or the client being forced to update the accounts. 
I submitted my 2nd dispute request with the 3 major credit bureaus with no updates. Through frustration I have submitted the court documents to prove the accounts were satisfied and should be removed based on the intentional incorrect reporting.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (OH)

Hard credit Inquiry showing on my credit report from a XXXX XXXX XXXX on XX/XX/2023. This was not me. ( showing on XXXX ) I keep having an issue with someone applying for credit under my name/account. This was not me again. 

I also had one on XX/XX/2023 from a XXXX - XXXXXXXX XXXX. This one is supposed to be removed from my credit card company. I called and am disputing this as well. These credit inquiries are not me. 

I also have a fraud alert on my account with XXXX and XXXX. So I am confused on how I keep getting hard credit pulls.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I opened an HSBC Advance checking account last XXXX with the {$350.00} account opening bonus attached, with the requirement being to deposit {$10000.00} within 30 days of account opening, and to maintain that balance for 90 days. The fine print says the bonus will be paid within 8 weeks of meeting the requirements. I completed the requirements on XX/XX/XXXX - maintained the bonus for 90 days - however the bonus still hasn't been paid to this date. The fine print of the promotional bonus is attached below. 

I applied for the account online, and the account was approved via email on XX/XX/XXXX ( email attached below ). 
However, I did not get a link for registering for online banking until XX/XX/XXXX ( email attached below ). 
And I was only able to access my account on online banking on XX/XX/XXXX ( email attached below ). 
My initial deposit of {$1.00} was not deposited until XX/XX/XXXX as can be seen in my electronic statement below. 

I contacted an HSBC customer service representative by the name of XXXX, who confirmed in writing that the bonus requirement of depositing {$10000.00} " within 30 days of account opening '' means 30 days from the date of initial deposit, which means by XX/XX/XXXX ( 30 days from XX/XX/XXXX ). Additionally, the rep. confirmed in writing that the deadline for the deposit is in fact XX/XX/XXXX. 
The chat record can be seen below. 

After I deposited XXXX on XX/XX/XXXX, my account reached the balance of {$11000.00}, meeting the requirement of having a balance exceeding {$10000.00} on or before XX/XX/XXXX ( within 30 days of account opening/initial deposit as confirmed by the aforementioned representative ). This can also be seen in my electronic statement below. 

I have maintained a balance of over {$10000.00} for over 6 months, since XX/XX/XXXX, yet I have not received the bonus. I repeated contacted the customer reps over online chat and they all told me they wouldn't be able to submit any inquiries and that I had to wait - a few of them told me to wait until 8 weeks after the requirement was met, and then after that date, they told me to wait until the end of XXXX. 

Using XX/XX/XXXX as day 1, the requirement of maintaing a $ 10k+ balance for 90 days was met on XX/XX/XXXX. Adding 8 weeks to XX/XX/XXXX yields XX/XX/XXXX. It has been over 3 months since I've met the requirements, yet I still have not been credited the bonus. 

I chatted with a customer rep. last week who said they would submit an inquiry and on XX/XX/XXXX, I heard back from them saying I was ineligible due to " the account not being funded with the qualifying balance within the first 30 days of account opening '', clearly contrary to what the customer rep. ( XXXX ) informed me back in XXXX.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

On or aboutXX/XX/XXXX, we notice a Mortgage Lien on our Deed from Wachovia Bank in the amount of {$110000.00} that was n't our 's. We contact them to request a copy of all documents as proof of a completed Loan Application, Origination Documents, XXXX Application, Truth and Lending Documents that were signed by the property owners. 
We also asked for a copies of all payment received from us as Mortgage Payments. 
As of this date, all we have received from them if request for Account Number which we do n't have. They 're ( Wells Fargo formerly Wachovia Bank ) saying verbally there was no Mortgage with them. We brought this house inXX/XX/XXXX for {$92000.00} and we are trying to clear these small matter so we can retire.
Consumer complaint received 2021-03-04
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. (GA)

XXXX XXXX incorrectly shared/ reported a Bankruptcy attached to my name to the three Credit Bureaus ( XXXX , XXXX and Transunion ) I disputed the inaccurate information with the credit bureaus several times. Each time they told me the BK was verified through XXXX XXXX. I contacted XXXX XXXX via phone in XX/XX/XXXX and explained to them my issue. XXXX XXXX started an investigation and after thoroughly investigating they realized the error and removed the BK from my report. In addition, they mailed a letter to me in XX/XX/XXXX. I submitted a dispute to all 3 CBs and attached the letter that is on official company letterhead stating the BK was deleted from my file. All 3 CBs responded to my dispute and said the account was verified. This is inaccurate and they did not investigate with XXXX because it would have shown that this was an error and was not my BK. Under the FCRA, companies must conduct free of charge a reasonable investigation of this dispute. I did not receive this from XXXX, XXXX and Transunion. I notified XXXX XXXX on XX/XX/XXXX and they stated they will submit a request to delete this information and the 3 CBs ( XXXX, XXXX and Transunion ) have yet to remove this erroneous information from my account.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2018-07-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (ID)

On XX/XX/2018 I was getting calls from PennyMac to reduce my interest rate however they could not do it due to the type of loan that I had. I requested that they no longer contact me and did request that they cease all communication going forward. I still kept getting calls and letters from them and made a report with CFPB XXXX. The report was taken and sent to XXXX XXXX. on XX/XX/2018 XXXX XXXX did respond and stated that they would remove me from marketing list but didn't mention anything about the request to cease communication. Today XX/XX/2018 I got a call from XXXX XXXX from phone number XXXX asking if they could lower my rate. I asked the agent if he saw on my account that they should not be calling me for marketing and he said that he did see that on my account but they called anyways.
Consumer complaint received 2020-06-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

In XXXX I partially signed a lease for an apartment complex in XXXX, North Carolina. The lease had to be signed by a legal guardian, as I was only XXXX at the time and did not have the ability to financially cover the apartment. The apartment layout and number that I originally signed for was no longer available, so they wrote up a new agreement for a new apartment with a new floor plan, room number, and roommates. Both me, and my legal guardian, never signed the lease but they sent it to collections. The XXXX XXXX  XXXX has now been bought out by new owners and they no longer have my records on file there. I contacted the collection agency and they sent me what they had on file. All that they have on file for me is documentation that I electronically signed with my initials, and they have someone else 's name and signature on the front of the agreement. The only signature they have on this document is a person named XXXX XXXX. There are no legal signatures from neither me, or my legal guardian. I have tried to get this item disputed several times though XXXX, XXXX and XXXX. The most recent dispute was in XXXX of XXXX. Both XXXX  and XXXX  have reported that this information is correct. However, I am not sure how this is accurate when the only signature they have on file is of a different individual. When I contacted XXXX by phone, the person on the phone explained that there were two individuals on the lease, both myself and XXXX XXXX, and that he would have to go over it and get back to me within a week. This collection is ruining my credit and I really don't feel that it is just in any way. It is delaying the process of me being able to buy a house and it is very frustrating. The collection agency that it is reported under is Fair Collections & Outsourcing. It seems very sketchy that someone else 's name and signature is the only signature on my lease agreement. Below is the photo of the document that the collection agency sent me with the incorrect name and signatures. There are several other documents, but none with signatures from anyone else. Thank you so much for your help.