davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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: SUN LOAN COMPANY INC. (AL)

On XX/XX/21 I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me. 
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-06
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I called in to try to close a fraudulent credit card application and was told it was cancelled. Then a week later still received the credit card. Called in today XX/XX/2023 with XXXX identity protection agent XXXX to help me get the account closed. Was transferred 5 times, and was told by supervisor XXXX that I couldnt close the account because the identity protection agent was on the call with me. Even though we were not told that was a problem beforehand. I just want the card that I didnt ask for cancelled and cant seem to make it happen.
Consumer complaint received 2021-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

LoanCare is not mailing periodic statements for months, at least since XX/XX/XXXX but I believe longer. Nor have I received my year end tax forms ( this may still be excusable given the proximity to XX/XX/XXXX ). I have  verified online that they have the correct address for me. I have verified I am not enrolled in online statements. I contacted them via their contact us feature on their website XX/XX/XXXX and their only response is below. I have tried to call during business hours and are repeatedly disconnected by their phone system with a message that it is not during their business hours ( I am calling after XXXX EST ). I expect paper statements mailed to me and I expect a refund of the fees I am paying them for online/phone payments when I don't have a statement to mail in with a payment. I get that as a borrower I do not get to select my servicer but I expect they comply with federal requirements to provide a periodic statement via mail unless I select other delivery options. I expect to receive a XXXX in the mail postmarked XX/XX/XXXX and delivered before XX/XX/XXXX. I personally think they keep the fees from processing online/ pay by phone payments and are leaving their borrowers no other option to make payments increasing their profits. My understanding is they are a debt servicer and I doubt that the owner of my mortgage knows that they are not carrying out their fiduciary responsibilities as a servicer. Below is my attempt to contact them a month ago and the only response I received from them Customer Service <XXXX> XX/XX/XXXX to me Dear 'XXXX ', Thank you for contacting your loan servicing team! 

We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. 

Please note : duplicate inquiries may prolong your time for resolution. 

Your reference/ticket number is XXXX. 

XXXX Your Inquiry ====== XXXX XXXX XXXX XXXX Morning ( XXXX ) XXXX Payment/Statement Inquiry According to the TILA I am to receive regular and accurate statements via mail unless I have requested otherwise. I have not been receiving statements in the mail and expect this corrected immediately. My mailing address is correct on file and this will be reported if not corrected.
Consumer complaint received 2022-01-12
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. (CA)

I am XXXX XXXX writing this complaint regarding a dispute with Transunion. Without any influence from any third party. Attached documents and ID as it contains my full compliant and request.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

THIS IS NOT A DUPLICATE I was helping my client verify her XXXX as she was asked my someone from XXXX the number she called was on her tv screen? her and I share XXXX so I agreed to help her assuming it was as XXXX member! As you can see on the XXXX and XXXX XXXX attempts it says verification limit for the same amount that was attempted to be taken from XXXX and XXXX, then eventually taken from XXXX from me! They did try other amounts as well! They hacked my phone by asking me to download XXXX XXXX XXXX ( which Ive also shown in the picture uploads on 4-6 ) and got into my bank account and took all my money from XXXX, which I had never used before! I have proof of calls from her phone and mine! 
Her and I have the same phone company and same bank! 
I have copies of everything that happened on XXXX. 
My client I was trying to help was also scammed on XXXX XXXX, but was given her {$800.00} back on XXXX, the same day they took mine from my bank app! 
They tried XXXX, XXXX XXXX and finally was able to access my Bank of America app and there whats where they took my {$1300.00}! 
I did not send {$1300.00} willingly to these people! {$1200.00} to be exact! 
But as I stated my client that drug me into this was given her money back! And I was not! 
I have phone records from my clients account and mine on the same day, same numbers that were the scammers! 
Later I found out my client was being threatened by these scammers to contact someone else to get her {$800.00} back, so she called me and multiple others which I also have proof of! Also I added the text from her and I that day where she was frantically asking me to answer these calls! All along she knew they were trying to scan her! But I did not! I was only trying to help her VERIFY her XXXX! 
This was not legal or right at all! This was fraud and unacceptable! Please help me get my money back! Im a single mom and 2 months behind on rent due to this. Anyone can look at my account and see this is not normal! And Ive been struggling since! These scammers took everything I had! Please reconsider my claim! Thank you! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

XXXX, XX/XX/2016, amount XXXX . 

I went Into the XXXX store before they sent the debt to collections. I wanted To make a payment and reconnect service. They said i couldnt And wouldnt let me get a new phone because of the history i had With them. They said they would soon send it to collections where i can Work out payment plan with collection company and possibly get a new phone when i pay Off debt.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MS)

On XX/XX/XXXX, I submitted a complaint against Experian, due to the fact that when I went to XXXX to request my consumer report and they denied me access to the information they have stored on me. The message that I subsequently received was that I needed to contact them. I filed complaint # : XXXX, in which I requested that my consumer " XXXX ''. Keep in mind, I specified that I wanted my File, not that standard report they send to consumers all the time but my actual File. I think they intentionally did not upload the files in their response because they never intended on sending me what I clearly requested. Several weeks after I filed the complaint, received a basic consumer report via the postal service. On XX/XX/XXXX, I sent them a letter ( see attached ) explaining exactly what I wanted and the laws to support my request. As of date, I have not received a response. Therefore, I am submitting another complaint, seeking assistance in retrieving my XXXX from Experian. I want to see and know all the information that Experian has stored on me. I know there is statutorily a difference between a consumer report and the consumer 's File. And I am requesting my FILE.
Consumer complaint received 2022-07-21
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. (CA)

Upon reviewing an updated copy of my Credit Report, it is clear that the Credit Bureuas have done nothing in order to completely remove the items I previously disputed. I sent a letter to the Credit Burueas on XX/XX/2022 with intent of having the fraudulent items be removed from my Credit File. I have read that the Credit Bureaus are required to remove any accunts and information that a consumer identifies as an item incurred due to Identity Theft. The items I am disputing do not relate to any transaction that I have made or authorized, neither did I received any benefits from the theft. I am submitting this complaint in hopes that the Credit Bureuas woulkd eventually take action and have the items investigated and removed from my Credit File. The following items must be removed from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (IL)

Charles Schwab has denied me access to my checking and trading account with out no notification or reason why. I have called several times and nobody can tell me why i can not access my account. If I had an open position i would be bankrupt right now. I recieved no phone call or email notifying me why. They said they could not tell me why
Consumer complaint received 2021-02-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (WA)

I submitted a payoff statement for a second mortgage that was attached to my home XX/XX/2020. Upon receipt of the funds, the mortgage company informed me they would be releasing the lien associated with that second mortgage ( see payoff statement.eml ). 

My new mortgage company scheduled a title signing date ( XX/XX/2020 ) for the new mortgage based upon this information. On XX/XX/XXXX, the Title company reached out to inform the new mortgage company that the second lien had not yet been released ( see attached email Title Signing.eml ) I called multiple times in XXXX ( according to my outbound call history, XXXX, XXXX, and XX/XX/XXXX ) inquiring as to why this lien was not released, but nobody was able to identify that it was not released until the XX/XX/XXXX call. At that time a rush order was placed to get the lien released, and it was released by XXXX. 

During this time, I was continuously being charged for my existing mortgage for XXXX a month. Given the dates, the mortgage extended two months beyond where it should have, as this was the only blocker from us signing with Title on XX/XX/2020.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OR)

On 3 occasions, while trying to add extra money to lower my balance, I submitted an incorrect account # or routing # due to a typo. ( My hands shake badly. ) I immediately remedied the situation, transferred more money to them and paid a {$35.00} penalty for each mistake. They closed my account.

My automatic payment was set to pay off the balance each month and did so. There has never been an error in my automatic payments. But when I tried to lower my balance manually I made 3 mistakes between XXXX and XXXX.
Consumer complaint received 2020-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (NY)

Hello Staff, As you read my experience, please let me know how to get this loan withdrawn. 
I visited the location on you chose for me on XX/XX/20 only to be misinformed and bullied into a loan while I was under the influence of XXXX and other XXXX XXXX  drugs. 
1. XXXX introduced herself as a representative of XXXX XXXX XXXX, I had to stop the XXXX for this introduction. 
2. I told her my annual salary is less than thirteen thousand dollars and I don't work full time. 
3. She said she will take care of it, walked away from the XXXX  XXXX  and I resumed XXXX. 
4. She interrupted the process again to state I was approved for a loan with XXXX XXXX or XXXX XXXX and XXXX  is offering XXXX XXXX XXXX XXXX dollars thus the costs will offset. 
5. I wasnt told my credit history is required neither did I grant her permission to do so. 
6. I drank XXXX  XXXX which the XXXX  said will calm me down and check my XXXX XXXX to XXXX. 
7. About five minutes after XXXX returned and told me XXXX awarded me XXXX XXXX XXXX XXXX dollars for treatment. 
8. I couldnt celebrate because at that time I was really drowsy and wanted to go home. 
9. The XXXX  then informed me of a XXXX  XXXX  in my XXXX  which is going to my XXXX  and could lead to XXXX. 
10. Two years ago I attended my Moms funeral only to learn that she was XXXX before her last days, this scared the heck out of me. 
11. The XXXX also said that I must XXXX  the XXXX  today or the worst could happen. 
12. I agreed, no cost was discussed. 
13. I received XXXX XXXX in my XXXX  XXXX  XXXX. 
14. Then the woman from the reception area asked me to sign some papers which I did sign based on her showing me where to sign but did not read anything or was the document explained to me. 
15. Two days later I read the documents and realize the cost for work on my mouth ( XXXX  XXXX  for XXXX XXXX is XXXX XXXX XXXX dollars. ) 16.  Actually I did not receive a XXXX but that was a form of deception used by XXXX. 
17. I contacted LendingClub by email on XX/XX/20 asking for a copy of the application and an explanation of my approval for the Loan. She refused to provide me any document and suggested a phone call for me to verify my account. 
18. I emailed XXXX XXXX from XXXX XXXX XXXX  on XX/XX/20 asking for an explanation of the approval process but did not get a response. 
19. I called XXXX on XX/XX/20 about XXXX XXXX, spoke to XXXX XXXX who informed me that my application is showing a annual gross income of {$0.00} but I was approved based on my credit history. 
20. On XX/XX/20 I received another offer from LendingClub showing an increase in loan amount from {$11000.00} to {$14.00} and interest rate of 26.99 %. 
21. On XX/XX/20 I was rushed to the emergency room at XXXX XXXX Hospital due to XXXX  of the XXXX  and had corrective work done on the same XXXX.
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS RESOLUTION COMPANY XX/XX/20 FOR XXXX DOLLARS XXXX DOLLARS AND ANOTHER XXXX DOLLARS I DISPUTED THE CASE THROUGH XXXX I DO NOT OWE THIS MONEY TO ANYONE I DO NOT KNOW ANYTHING ABOUT THIS THANK YOU
Consumer complaint received 2021-06-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (TX)

I originally opened this line of credit in XX/XX/XXXX. I am making payments on time via automatic payments. XX/XX/XXXX, the original account they had on file is no longer in use. I go online to try and change it. It says to update. Please email us. Ok done. No response. I email again a few weeks later because my due date is coming up still no response. I called their customer service line, and all I get no rep is available to help you right now ; please try again later this has been going on since XX/XX/XXXX. It is now XXXX ; still, no response, but they have the ability to update my credit report as past due! It is not past due. I WANT to pay it, but the company is ignoring me. I have SEVERAL documents showing how I have tried to reach out with no resolution. I want my credit reports updated correctly to show as paid as agreed or to contact me to pay this line of credit off.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Consumer complaint received 2019-11-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Critical Resolution Mediation LLC (AR)

Critical Resolution Mediation, LLC in XXXX, GA. 

This company has repeatedly called me at work to collect a debt not owed by me but probably owed by an individual with the same name and date of birth in another state. I am aware of this individual due to similar actions by other companies trying to collect debt from me. Sometimes they've paired the debt with my SSN somehow. In this case, they do have my last -4. This particular " debt '' has actually been passed around several companies in the XXXX area. 

The company also threatens to have me arrested over it. They call me at work, and are rude on the phone. Additionally, they have said the debt has no activity since 2010, which is beyond the statute of limitations in Arkansas ( where I live ). They have disagreed/lied about this when informed.
Consumer complaint received 2021-06-07
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. (CA)

XXXX XXXX / XXXX XXXX XXXX is reporting a charge-off account to XXXX and TransUnion that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX