davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
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: CITIBANK, N.A. (KY)

The instructions on the back of my credit card statement for disputing a charge state that I must dispute it in writing, to be sent to the " billing inquiries address listed on the front of your statement. '' There is no such address listed anywhere on my statement. There are three addresses listed on my statement, none of them labeled for billing inquiries. The credit card statement is from AT & T Universal Card. I've gone through AT & T 's laborious, confusing automated customer service phone system to ask them what the billing inquiries address is, but I couldn't get through.This is very frustrating and I assume many others must find this frustrating. Can someone please make AT & T properly list their billing inquiries address on their statements? Thank you.
Consumer complaint received 2023-02-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

Well I keep trying to get a hold of my 2nd mortgage loan application with 21st Mortgage. Allegedly XXXX XXXX had my Customer File XXXX XXXX and XXXX XXXX had my Loan Application # XXXX. I contacted XXXX on XX/XX/XXXX. He sent me my loan application for # XXXX and informed me that I had to contact XXXX in order to get my other application with 21st mortgage so I called and Ive emailed and I cant seem to get a hold of XXXX only XXXX who wont inform me of any information. This is a very concerning matter because I was denied and then approved with 21st mortgage application # XXXX and on XX/XX/XXXX XXXX sent me an email stating that underwriter. It was not approved since the home is not already set up on the property. 
For a new home purchase, you will want to apply through a retailer/dealer. Application # XXXX Which was for the home I wanted that was with XXXXXXXX XXXX XXXX. The next thing I know I never hear from the XXXX XXXX and I get a new modified XXXX XXXX pre-qualification and that has been the worst most horrible thing my family has ever gotten. We chose to go with XXXX because we thought it was the only retailer that was going to give us a house. We thought we didnt make enough money or have enough income so we were stuck with only one option. I can not understand what happened to me without being provided my other application with XXXX XXXX XXXX Please help me so that I might find out exactly what happened to me and why my family is getting evicted now in 7 more days. I have already logged back into the 21st mortgage portal and XXXX has already removed the correspondence between us. 

And strangely enough the sales person we had was XXXX with XXXX XXXX homes. He left before we finished closing and now he works with XXXX at XXXX XXXX XXXX. And we cant seem to get our 21st application for XXXX XXXX XXXX
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit acceptance is reporting on my account but have not validated the debt nor verified the debt belongs to me, Nor have they given proof nor shown proof of the original contract being signed with my signature, they are misleading and false Misrepresentation and Reporting inaccuracies on my credit report and harassing me with calls
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I was contacted by both my Mother and my wife today stating that they received calls from a company named XXXX about an alleged debt. Not sure how this company gained access to my mothers home number or my wifes unregistered work number. 

My wife forwarded me the info and I contacted a person and inquired about the alleged debt. They shared with me that there had been numerous attempts to collect a debt tied to a credit card company named XXXX. Told them that I hadnt received such info and asked if was sent certified mail. Their response was it was sent general mail. Told them I hadnt received anything. 

Contact told me that this info was on my credit report, which it is not, and that I went delinquent on this account in XXXX They say I was offered a settlement, which I was never contacted, and that I owe them {$2000.00}. Asked if I wanted to work out a plan. I told them that I dont recognize a credit card with XXXX, that I was never delinquent on any debt over the last 7 years, and that they should proceed with next step actions that they spoke of at the start of the call. 

My assumption is that they are trying to collect on something outside the statute of limitations. I have no records if this debt but my records only go back 10 years. 

I want to make sure that this company knows that my record keeping us impeccable and that I assume they will be willing to share all of their documents during discovery if they choose to go through the courts. 

I also want this company to know they have my cell number and that they should not be harassing my elderly mother or my wife at her place of employment.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (FL)

Original Creditor is XXXX XXXX located at XXXX XXXX XXXX in XXXX, FL the Collection agency is XXXX XXXX stating I owe {$1300.00}, I am disputing this company because I left the apartment due to flees and the Apartment building didn't wish to have apartment exterminated after I had ask them on several occasion. I never received my deposit as well.
Consumer complaint received 2018-02-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX I was contacted by an unknown company using phone # XXXX stating that I needed to call their office at XXXX because they have some very important, time sensitive documents for me to sign for. The address they have is over XXXX years old. When I call back I talked to XXXX XXXX. She informed me that they are trying to serve me legal documents for a debt that is outside of the statue of limitation. The debt is XXXX years old. I informed her that I claimed bankruptcy on that account in XXXX. She demanded that I send her my bankruptcy documentation via fax XXXX. Again, a different number! So I thought about it for a day and sent her a letter via Fax asking for proof of debt and for all communication to be done via e-mail because I was not giving her any additional personal information. I also informed her that if I don't receive it within the 30 days I would consider this account closed. I have not received anything from her. Not sure if this is even a legitimate debt or company.
Consumer complaint received 2022-11-17
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Account Name : XXXX. Department of XXXX Account Amounts : {$3900.00}, {$4800.00}, {$3500.00} XX/XX/XXXX I disputed this account with all three credit bureaus, XXXX, XXXX, and TransUnion on XX/XX/XXXX the credit bureaus have since updated my report to reflect that the account has been forgiven by the government. Not only are there inconsistencies on the reporting of this account, this account should not be reflected on my credit reports according to the FCRA because this account is not accurate. 

Please investigate if all information is correct. If not, please remove them from my credit report. In your findings, you may see how this account should not be reflected on my credit report. The last status that you have reported is : Current account/was a collection account, insurance claim or government claim or terminated for default. Please delete this account
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MN)

Since mid-XXXX 2020, I have been unable to withdraw any cryptocurrency or fiat currency from BinanceUS. When I try, I get an email saying " withdrawals suspended due to risk management. '' I can still deposit into BinanceUS as normal. I tried their tips in the FAQ, and none of them worked. I emailed their support on XX/XX/2020 telling them to look at this, as until then I had not needed to withdraw. I got no response. I then sent a support ticket on XX/XX/2020, to which I got no response. I emailed them again on XX/XX/XXXX as well. Finally, I tried one more support ticket on XX/XX/2020. I have over {$29000.00} locked in BinanceUS as of the time of this writing, and I have yet to receive any response from their support.
Consumer complaint received 2020-10-29
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 have submitted 4 times certified letters to the bureau to investigate my inaccuracies on my credit report in regards to unverified accounts that are severely damageing as we are trying to buy our first home and can not get a loan with the unverified accounts. As a result of our letters to the bureau they keep writing back that they have verified the accounts in question but have provided no proof as I have demand to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts which According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and to show proof of verification. The Bureau sent letter back saying all was verified but they didn't provide how and proof of any signature from me on any contract with the company in question. why cant they show the proof? 

The last letter we sent which was dated XX/XX/20. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

The Bureau wrote back they have verified but again no proof of anything.

Transunion wrote us a letter back saying we were correct as they could not verify the accounts and promptly deleted them. So i am asking Transunion to do the same here. 

So once again we are submitting a letter in mail today XX/XX/20 to Transunion and a copy to XXXX  to verify see copy below.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (GA)

This company put something on my credit report and did not attempt to contact me about this debt in no way. There was no written or phone calls about this debt. They put it on my credit report with out trying to notify me or give me a chance to pay it it is also a lot it late charges on the debt that they want me to pay. My son was staying in the XXXX XXXX XXXX XXXX. We moved out of the apartment dropped the keys off they did not say anything about we owed this debt. I dont think it was fair for them to put this on my account. I called Southern management System about this they was real nasty hung up on me twice. The bill is for XXXX There number is XXXX
Consumer complaint received 2020-10-29
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. (NC)

Dear Experian/XXXX/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply
Consumer complaint received 2021-04-29
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Longbridge Financial, LLC (TX)

Following a refinance on a reverse mortgage with Longbridge Financial L.L.C. I received correspondence via mail of a Release of Lien paid off for the amount of {$530000.00}. The amount of my monthly statements reflect the my current total loan balance is XXXX, XXXX. There are no delinquencies on my property. The explaination by the company representative did not in anyway detail the facts of my personal documentation. A difference of {$260000.00}. Please advise me as how I can mitigate this discrepancy.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Crdit Card services is reporting my account as delinquent, 90 days late. I called to have this account closed In XX/XX/2019 and the account was not closed correctly by their customer service representative. There were TWO cases opened with their executive complaint department and the issues was not resolved. They pulled the call for quality assurance and stated the representative did fail to close the account at the date I requested it. Per my rights as a consumer under the FCRA, WELLS Fargo has the obligation under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that is believed to be Inaccurate. there is " reasonable cause to believe '' that information is inaccurate based on the investigation that was conducted and the call that was pulled, it has lead a reasonable person to doubt the accuracy of the information.
Consumer complaint received 2019-08-20
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: Exeter Finance, LLC. (MD)

There is an Inquiry on my Credit report that should not be there from a company called Exeter Finance XXXX  that should not be on my credit report. My name is XXXX XXXX XXXX. The person the inquiry is for is someone named XXXX XXXX XXXX!!! I would like this Inquiry removed as soon as possible please! Thank You
Consumer complaint received 2020-10-29
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 have submitted 4 times certified letters to the bureau to investigate my inaccuracies on my credit report in regards to unverified accounts that are severely damageing as we are trying to buy our first home and can not get a loan with the unverified accounts. As a result of our letters to the bureau they keep writing back that they have verified the accounts in question but have provided no proof as I have demand to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts which According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and to show proof of verification. The Bureau sent letter back saying all was verified but they didn't provide how and proof of any signature from me on any contract with the company in question. why cant they show the proof? 

The last letter we sent which was dated XX/XX/20. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

The Bureau wrote back they have verified but again no proof of anything.

Transunion wrote us a letter back saying we were correct as they could not verify the accounts and promptly deleted them. So i am asking Transunion to do the same here.

So once again we are submitting a letter in mail today XX/XX/20 to Transunion and a copy to XXXX  to verify see copy below.
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Essential Retrieval Group (OR)

I was contacted by both my Mother and my wife today stating that they received calls from a company named ERG about an alleged debt. Not sure how this company gained access to my mothers home number or my wifes unregistered work number. 

My wife forwarded me the info and I contacted a person and inquired about the alleged debt. They shared with me that there had been numerous attempts to collect a debt tied to a credit card company named XXXX. Told them that I hadnt received such info and asked if was sent certified mail. Their response was it was sent general mail. Told them I hadnt received anything. 

Contact told me that this info was on my credit report, which it is not, and that I went delinquent on this account in 2014. They say I was offered a settlement, which I was never contacted, and that I owe them {$2000.00}. Asked if I wanted to work out a plan. I told them that I dont recognize a credit card with XXXX, that I was never delinquent on any debt over the last 7 years, and that they should proceed with next step actions that they spoke of at the start of the call. 

My assumption is that they are trying to collect on something outside the statute of limitations. I have no records if this debt but my records only go back 10 years. 

I want to make sure that this company knows that my record keeping us impeccable and that I assume they will be willing to share all of their documents during discovery if they choose to go through the courts. 

I also want this company to know they have my cell number and that they should not be harassing my elderly mother or my wife at her place of employment.
Consumer complaint received 2019-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (NJ)

I have 2 private student loans (#XXXX  & #XXXX) that are serviced by Discover Student Loans.  As I did not receive my billing statement in the mail, I reached out to Discover and was informed that a system upgrade automatically changed the billing statement method of receipt (paper to paperless).  Apparently, this system failure happened back in XX/XX/XXXX and impacted my XX/XX/XXXX and XX/XX/XXXX (and conceivably every month thereafter if not for my intervention).  Discover never reached out to me. I never received any phone calls, emails or letters.  Furthermore, and most disturbingly, Discover never did anything to correct their mistake.  Since they knew the error, why not correct it?  Instead, they continue with their dishonest behavior and allow the account to become past due and possibly worse if not for my intervention.  Another deplorable and despicable example of student servicer engaging in BAU.  They should be penalized to the fullest extent of the law!
Consumer complaint received 2021-07-13
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. (LA)

Remove fraudulent activity from my credit report, enclosed with this complaint is a copy of certified dispute letters that was sent out the Bureaus, I am fade up with this information being on my XXXX credit report, I had no XXXX idea that someone would do this XXXX too me. Delete this information please and send me a copy of my updated credit report. I am being ignored for some XXXX I had no knowledge about.