davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE, UNVERIFIED ACCOUNTS, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. PLEASE DELETE THESE ACCOUNTS FROM MY REPORT AND SEND AN UPDATE CREDIT REPORT
Consumer complaint received 2020-07-23
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. (CA)

XXXX  XXXX XXXX that reports on my credit report is reporting an Incomplete Account Number of XXXX This Inaccuracy was recently disputed for the first time for this specific reason and mailed out on XXXX XXXX and Delivered XXXX XX/XX/2020. USPS Tracking # XXXX. Therefore the dispute summary dates below are FALSE quoted from EXPERIAN 's response of XXXX___ >>They had responded and " verified '' that the disputed information was accurate as reported. The dispute result summary was sent to you on >>XX/XX/2020, XX/XX/2020 and XX/XX/XXXX, XXXX<<To help protect against fraud, we do not display complete account numbers. For the same reason, many credit grantors do not report your exact account number on the personal credit report<<___Therefore both parties are in Violation of the Fair Credit Reporting Act section 609 by not reporting 100 % accurate information as legally required per the FCRA.I request this account to be removed from my report for FCRA Violations .
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

Hello, I received a letter from XXXX XXXX stating they deleted the bankruptcy that was showing on my credit report off because they couldnt verify the account so it was deleted! I called & spoke with a CSR to let them know what was going on but I was getting attitude & saying what they couldnt r not gone do! Its very unprofessional & rude to customers who is trying to resolve a problem!
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This caused me some distress and might affect my futures credit transaction and so, I want this to be taken care of.
Consumer complaint received 2022-01-09
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. (PA)

I recently sent letters to the credit bureaus on XX/XX/2021 and collection companies on XX/XX/2021 and the ignore my letters and my request i made regarding to the negative and inaccurate and inconsistencies on my report. According the fdca and fcra every thing on your credit report should be reporting the same.

15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never have you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.

1. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

No consent is IDENTITY THEFT!
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/2023, I discovered that there were debit card ( Citibank Checking Account ) transactions that I do not recognize or authorize. I called the Citibank customer service and filed a dispute on 12 transactions in a total amount of {$1500.00}. all of them happened between XX/XX/2023 and XX/XX/2023. The agent over the phone told me that they will review the inccidents and credit the amount withing 10 days. However, it did not happen and I received a mail saying that I am responsible for those charges. 

During the perioud and even afterward, I have had the debit card with me all along and nevered revealed the card number or the PIN. While those transactions occur in other states such as PA, MN or in XXXX XXXX, CA, I stayed at home or at work in XXXX California. 

There were 10 XXXX transaction, within 3 days and 8 happend on the same day. Even none of them in an amount over {$800.00}. In anyone 's eyes, it looks suspecious enogh and I believe Citibank should have noticed it before I take a look at my transactions and should also have blocked the transactions. And of course proactively let me know, just like other financial institutions do. ( I had experience with Case card being blocked and notifying and requesting confirmation by text messages, as out of state transaction occur. ) I am writing to an appeal letter to Citibank, as well as submitting a complaint here. 
Copies of the letter from Citibank and the statement ( With the transactions underlined ) in PDF format attached.
Consumer complaint received 2022-04-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MD)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX/ {$6900.00} / XX/XX/2021
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

When I was XXXX XX/XX/2020 I opened up a bank account with bank of America to save my money that I had earned I just wanted to keep my money safe. By XX/XX/2020 my account was hacked, there was transactions and on unauthorized checks being cashed in my account and I was unaware of it .My name was also forced on the back of those checks I did not realize I had lost my debit card until I was getting papers in the mail about this problem.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

This is regarding a Consumer Credit transaction entered with Discover XX/XX/2022 and I extended your organization the credit for application no. XXXX. From your end, I have not benefitted from this transaction which is a direct violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder received no benefit. Discover is again in violation of 15 USC 1691 ( d ) ( 6 ) by entering this one sided transaction, and denying the consumers natural right to credit. I have exercised my rights in good faith and have been wrongfully discriminated by both Discover and XXXX as seen in Exhibit A, violating 15 USC 1691 ( a ) ( 3 ).
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I entered a consumer credit transaction with the following companies : XXXX XXXX and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA.

I pulled my credit report and disputed items on my report to XXXX, XXXX AND TRANSUNION. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 
In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Consumer complaint received 2022-04-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MD)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX/ {$6900.00} / XX/XX/2021
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

OCWEN Loan Servicing regularly diverts one of our monthly payment each year aroundXX/XX/XXXXXX/XX/XXXX /XX/XX/XXXX,  towards our Loan Principal and then levies late fees and foreclosure warnings. Although the payments are separated by a month approximately, they pretend that we have made more than one payment in a month, for example a payment made on XX/XX/XXXX and XX/XX/XXXX and then divert one payment towards the loan principal of our loan and then claim that we did not make that month 's payment and charge almost $ 100/- each month. After two months they send you a foreclosure notice. And once you follow up, they reverse the payment, but do not give back your late payment penalty.

This way they get to keep {$100.00} to {$200.00} dollars from the customers towards " Late Payment penalty '', while pretending to not received a monthly payment or received an " EARLY '' payment.
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Recovery Management (CA)

On XX/XX/2022, I received an envelope from Ascension Recovery Management, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. It is written, Ascension Recovery Management, XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. The information they provide : You were provided services by XXXX XXXX with account number XXXX As of you owe {$1900.00}. 
I have never used this service and there is nothing that proves that I did this. Never once does it provide exact dates, what kind of debt it is, and why am I being charged. They will charge me for something I never used and do not know what this is.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

1-Improper notification of transfer of loan when transferred from XXXX XXXX to Shellpoint as servicer for new owner-caused us to get behind on payments because new payment address was not given ; XXXX XXXX excepted 2 payments and forwarded to Shellpoint, but payments beyond 3 were not forwarded ; XXXX XXXX informed us of the transfer, but Shellpoint did not notify us in the required time 2-Shellpoint sent notices dated with post-marks/meter stamps a week or more after notice date ; we received a notice today, XX/XX/XXXX, dated XX/XX/XXXX 3-Inconsistent application of payments and statements ; In XXXX, a payment was sent for approximately {$1200.00} matching the amount on a recent statement ; the next statement had a balance around {$1100.00} ; 3-it is difficult to understand the activity on the Shellpoint website ; when the previously mentioned {$1200.00} payment was broken up and an additional approximate {$270.00} was applied to the principal ; it was difficult to confirm that a payment was not received for XX/XX/XXXX 4-After a period of unemployment and under employment in early XXXX, we went through Consumer Credit Counseling and qualified for a HEMAP Loan with the PHFA ; we paid the HEMAP Loan off and continued to monitor our credit ; we are in the process of refinancing this mortgage after increasing my credit to a level that would allow for refinancing 5-On a recent inquiry, we learned that Capital One owns New Rez which owns Shellpoint, which probably should have been worthy of notification ; at first, we thought XXXX  XXXX was the owner, but, on another inquiry, another firm was listed as the owner ; no notification of a transfer and the inquiry is still pending 6-The payment due showing on the Shellpoint website was paid today, XX/XX/XXXX
Consumer complaint received 2021-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc. (CA)

I have previously submitted a complaint about two medical collections that are errors. My medical insurance informed me that my coverage should have covered the cost however, I was still being billed. The alleged amount owed got turned over to the collection agency " Midsouth ''. I have not received any responses in writing as requested. This is a violation as I am doing my due diligence in trying to communicate properly to resolve this matter. XXXX  is the only bureau to report this error. Why can't XXXX  do their due diligence like the other two bureaus.
Consumer complaint received 2023-04-07
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: Thaxton Investment Corporation (SC)

My rights have been violated according to FCRA 15 U.S Code 6801- Protection of nonpublic personal information 15 U.S Code 6802- Obligations with Respect to disclosure personal info I have not given any of these companies verbal or written consent to report my information. I have not been notified by phone or mail saying that they were going to do so.I do not give them consent either
Consumer complaint received 2023-02-23
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. (OH)

This account is not reporting on credit any longer. The account is in good standing and I would like for it to report on my file correctly. Thank you XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CO)

I was in the process of refinancing my existing Mortgage with Flagstar Bank, XXXX, Michigan. About a month ago this bank notified me my social security number had been exposed due to a data breech. Now during the refinance a loan processor named XXXX XXXX sent mine and my significant others pdf file by regular email with our full social security numbers. This is unheard of and has caused me great distress and contacting credit to put fraud alerts.
Consumer complaint received 2018-12-04
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. (TN)

I'm filing a complaint against XXXX  and TransUnion regarding my credit report. Both companies have failed to provide any proof that I gave these lenders promission to pull my credit. I never gave these companies any consent to inquiry my credit report. There was a hard pull from XXXX XXXX XXXX on XX/XX/2017 and another hard pull from XXXX XXXX on XX/XX/2017. I need a signed application stating that I authorized these inquiries. If the credit companies can't provide these signed documents, please have these two hard pulls removed from my credit report. 
TransUnion file # XXXX and XXXX file # XXXX.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have tried to close my XXXX mothers account ( s ) for months, Bank of America has all the documents ( as they required ) but somehow can not close the account ( s ). After many, many, many calls they closed the XXXX account but somehow lost the other XXXX account. Despite many calls and many discussions they want to call the account closed, even after admitting that they lost an entire account worth XXXX.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

I made mortgage payment on XX/XX/2021 using the debit card I use to make all payments and purchases. On XX/XX/2021 I noticed no withdraw from the account so I phoned. After a long period on hold I was disconnected. So I emailed several times and was told the matter was " under investigation ''. I emailed several more times and got no replies and still no transfer of funds from my account. I contacted my bank to see if they were the problem and they said they had no record of contact from Mr. Cooper. When I logged in on XX/XX/XXXX it said my XXXX payment had not been paid and there were large late charges. I called and this time got through to a customer representative who said the payment was returned for " insufficient funds ''. I told him there was XXXX in the account and that the bank said no record of contact from Mr. Cooper. I was transferred to someone who took payment over the phone and tried to charge late fees. I objected but I do not know if they were removed. I see still no withdraw from my account.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WASHINGTON FEDERAL BANK (OR)

I was treated with discrimination by a Washington Federal bank employee while depositing a check into my own account. I have had a Washington Federal account with my spouse for years. We both have 1/2 of our mortgage payment deposited into the account each month from our paychecks. Then, our mortgage payment comes out of the account on the XXXX. Last month, there was a mistake by my payroll in deleting my direct deposit. So, I needed to go into the bank and deposit a check for my half of the mortgage. I went inside on XX/XX/2021 to deposit a check into the account. I went to the XXXX XXXX branch # XXXX at XXXX. I went to the register and gave my drivers license and check to the male teller and told him that I needed to deposit the check into my account because my direct deposit had been stopped. He kept looking at my I.D . and back at the screen saying things like, " I just want to make sure this is you. '' And, " You said you had a mortgage here? I don't see it. '' I didn't say that I had a mortgage there. I said that my mortgage payment comes out of that account. He took a really long time with the deposit. Then, before he would give me my drivers license back, he said, " I need you to take off your mask so we can get your face on camera. '' And I asked, " Do you ask this of everyone? '' And he said, " Yes. It's standard procedure. '' FOR A DEPOSIT???? I was not withdrawing money. He saw my drivers license. Why would I need to show my face to the security camera for a deposit? ( Please check their security cameras for interactions with Caucasian customers ) And, I'm certain that they do NOT ask everyone to remove their masks. That is not safe because of the COVID crisis. He treated me like this because I am an XXXX XXXX. He made me feel like I was a criminal. That is not right.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union advertised a New Car Loan rate of 4.74 % for 60 months on their website. Despite having an income and credit rating that is amongst the best in the nation they provided a loan approval with an interest rate of 5.04 % for the same term length that was advertised as 4.74 %. Follow-up phone calls did nothing to fix the situation and they could not provide any reason for not assigning the best loan rate as advertised. This feels like a bait and switch and caused a ding to my credit rating for the application. This practice should not be permitted and should be addressed.