davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TN)

1.I have never had an account with this company WF/DILLARD XXXX XXXX REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WF/DILLARDS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX and Costco ended partnership. They transferred my card to Citi. 60 days later Citi sent me a statement with late charges saying I was late. I called them and they said I owed the {$510.00}. I asked them for what. They said it was money that was transferred over from XXXX XXXX. I told them I needed to know exactly what I spent it on. She said they would send it to me in a couple weeks. I told her I would pay the bill when I saw it. She said if I did not pay it right away it would hurt my credit. I told her that was ridiculous. I told her I would not pay any bill unless I knew what I spent it on. This seems very strange. 
I have good credit and always pay my bills on time. I do not like be threatened that my score would go down. I never even knew my account had been transferred over. I want to know that my score was not affected. I do not mind paying the bill, but I think I have the right to know what I spent the money on. They simply sent a bill saying I owe {$510.00}.
Consumer complaint received 2022-09-13
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)

On XX/XX/2022, XXXX XXXX, and XX/XX/2022, I asked agencies to investigate items that I believed were reporting not 100 percent accurate. As of now, I have no notice from them at all stating that the accounts are in investigation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am having to exercise my rights under law. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, all 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 account without my written instructions. Reporting agencies also have failed to allow me to remove several inaccurate names and addresses. I've been living over 12 years at the same address which is inaccurate I have one name that was provided at birth but yet several names are reported on my report.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/2021 I started a conversation with Mr. XXXX XXXX ( Mr. Cooper rep ) discussing a refinance of my home, I asked Mr. XXXX the average of what rate I can get, he told me I can have XXXX through XXXX, I was very clear asking him without buying any point and he told me yes. 
After he pulled out my credit the story was different. He offered me 3.250 % with my wife on the application and then with myself 3.125 %. 
I asked him why he told me another rate, he said you can have XXXX but buying point. 

Here is the email I sent to him, never answer : Hi XXXX, Just to let you know I am disappointed with how things turned out, when we started our conversation at the beginning you told me I can get a rate between XXXX to XXXX, I was clearly telling you without buying any point and you told me yes. 
it is very clear that your intention was to run my credit, It was very simple to say you should not do it, wait for a better rate. 
I can't believe these absurd numbers you sent me, please don't try to reach me out. 

Thank you XXXX
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 2022-09-13
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: Aargon Agency, Inc. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX Balance : {$79.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$160.00}
Consumer complaint received 2017-01-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: United Collection Bureau, Inc. (NE)

I am need of help on how to proceed with credit card debt : 1. Signed up with a credit card debt consolidation company 2. No results, so stopped sending payments 3. Filed a chapter XXXX bankruptcy 4. Voluntarily dismissed due to large IRS debt on both ex-husband and myself that made payment unobtainable. 
5. Obtained a mortgage modification to save house. 
6. Communicated with IRS to become 'non-collectible ' Currently, credit card debt that had sat idle is now coming forward to collections and I need assistance on how to proceed effectively. 

I 'm afraid that bank accounts will begin to be levied or propterty seized.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

I made a purchase using my Citibank card to purchase an evaluation ( 14 days ) product at a price of {$4.00} ( used internet ). The web site stated I could cancel at any time. I then seen a additional charge was added for {$89.00} ( XXXX ). I called their number as listed in the terms agreement but only got a looping message. I then learned that this was a scam. I filed a dispute with Citibank. They gave me credit then reversed shortly after. Citibank sent me a copy of the terms agreement sent by XXXX. I sent a copy of the terms agreement as stated on the web site ( plus provided Citi with the web link. ) Citibank excepted this false terms and agreement and nere told me of their finding. I should also point out that the dispute was issued XX/XX/2016. When I checked the charge date on my bank statement it listed XXXX different dates XX/XX/XXXX and XX/XX/XXXX. I looked back at two month statements and XXXX % of my charges only had one. I have asked Citybank now 4 times to explain why XXXX % past charges had only XXXX date and the {$4.00} charge for XXXX had XXXX dates. This is imporant since they are claiming 14 day notice was not met. Citibank never answered the question even after asking 4 times. I would also like to point that in the letters I did receive from Citibank they listed all XXXX numbers of my account ( not just the last XXXX numbers ). This is shown twice in their letters. Once I saw this I blocked my account. When it was done again I canceled my account.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I was targeted for an offer for XXXX AA miles if I open a new citi gold account and pay XXXX bills as well as use the debit card for at least {$1000.00}. I completed the requirements and CITI confirmed that I met all the requirement and would be receiving my miles within 90 days. The 90 days passed in XXXX. I have submitted several requests to CITI for my miles and have yet to receive them.
Consumer complaint received 2016-12-24
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A. (NY)

BANK 'S PROCEDURE WHEN ACCEPTING CREDIT CARD PAYMENT. This past week I went to my local Citibank located on XXXX in XXXX, NY in order to make a payment on my Citibank MasterCard. I gave 2 checks to the teller without any problem which were drawn from two accounts I have from another bank. I then gave her cash. At that point, she asked for my ID and asked for my occupation. I was told by the teller that this is Citibank 's procedure for taking cash for any payment. When I questioned the bank manager about the inquiry into my occupation ( I, by the way, have none since I am retired ) I was told that I could avoid the questions by either using the ATM or opening a checking account with them. I told the manager that I wanted the personal service of taking my payment ( s ) and of receiving the receipt. She told me that there was nothing she could do about it. We parted agreeing to disagree. 
QUESTION : Is it legal to ask for this information when making a payment? I am giving THEM money. If so, why? I 'm handing them cash! I could understand wanting ID for a check. If this is not legal, the procedure needs to stop.
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

ALL INFORMATION I HAVE : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I C Systems Date Reported - XX/XX/2022 Payment Status - Collection/Chargeoff Account Status - Derogatory Amount Past Due- Not Reported Account Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- Original Lender - XXXX XXXX XXXX Account Type - Not Reported Responsibility - Individual Age Of Account - 1 Years, 5 Months Credit Limit - Not Reported Highest Balance - {$240.00} Payment Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount Past Due- Not Reported Date of Last Payment- Not Reported Monthly Payment- Not Provided Payment Frequency - Not Reported Lender Info -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I called the number provided but first, it just rang and then second, when it did not through no one answered. I do not not know if this is an issue on my part or theirs but yeah. I do not recognize any companies here and do not recall a 1 year, 5 months old account with a debt of {$240.00}. I do not think this is my debt and I do not have any more information to prove otherwise. I looked more into only and really many people have had the same issue of these companies showing up in their credit report with false claims of debt collection. Not sure if this is a scam of theirs but it should definitely be looked into just in case. Thank you.
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (TX)

I recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX Product. 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX. I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a XXXX balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Additional derogatory information is stated below that should be removed from Equifax CREDIT REPORTING BUREAU Remove XXXX from my credit report permanently Correct COMMENT by XXXX exceeds 7 Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
XXXX : XXXX Account was settled and paid as agreed. Remove negative comment " Paid for less than full balance. '' XXXX : XXXX-Same Account as XXXX Both Exceeds 7 Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
Dept. Of ED/XXXX : Consumer does not dispute that I was never late-ACN : XXXX ... And XXXX
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (TX)

We are in the process of selling our house and title company found that in 2010, I was sued by Citibank. No one ever contacted me about it. I was never served in person or by mail. Therefore a judgment was made in their favor. I was told to call the Recovery dept. to find out any information, the payoff amount. etc. ( I did this on XXXX XXXX ). I was told that they would forward my information to the dept. and they would call me back in 3 days. I waited and never received a call. I have since then called almost every day to try and get an answer or to talk to someone. I keep getting the same stock answer that someone will have to call me back, I ca n't talk to anyone directly. Today ( XXXX XXXX ) is day 7 and when I called I got the same answer. Our buyer is about to back out of the purchase of our house. I do n't understand why I ca n't talk to someone when I call. We are at their mercy.
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I 've been a happy customer with my ARM home loan I received with ING XXXX Bank in 2008. They have since been purchased by Capital One/ XXXX. I recently took the bank up on an offer that after I accepted and they implemented it I found it deceitful. They showed me for XXXX mortgage payment cost I could lock in my loan at a slightly lower then my current rate for 5 years. They hid the fact that the offer would shorten the amortization period of my loan by 8 years. I though I was locking in my mortgage rate for 5 years for a slightly lower overall payment. What I got was the the lock in, but the shortened term increase my payment by almost XXXX dollars a month. 

In the proposal they compared my current PI+Escrow payment to my new PI ( only ) payment.
Consumer complaint received 2019-12-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

Working with Quicken Loans to refinance our home and pull some of the equity out to pay off credit card debt. This house was originally bought by my partner, solely in his name, but during the refi, we were going to add me to the mortgage. We were told this would be no problem. Quicken represents themselves as a " no hassle '' mortgage company, however, in their haste to have people sign documents and upload them directly to their app, they have forgotten one very important piece : information. Not once was any of the documents they asked us to sign explained to us and when I called the broker whom we originally began working with, he told us to call the customer care team. The customer care team, of course, knowing nothing of our situation ( or having any basic customer service skills ) could not explain what the documents meant and we were told just to sign them because it would hold up closing otherwise. 

We were supposed to close on Monday, XX/XX/2019. They asked my partner if it would be okay to run his credit again since it would be " expired '' prior to the closing date. He gave permission. In adding me to the loan, they had already run my credit within the previous 2 weeks. I got an alert that they had also run my credit again. I did not give permission for them to do that, nor would I have, knowing that a hard inquiry would lower my score. I addressed this with the broker, who said she didn't mean for the credit team to run mine as well and she was sorry. Sorry that her mistake has now effectively lowered my credit score? That is not a mistake that you can just take back. It lowered my score 10 points because of the back-to-back inquiries! Yes, I can dispute it with the credit card companies, but why am I left holding the burden of time and energy spent to do that when Quicken made the mistake? Isn't it unlawful to run someone's credit without their permission or knowledge? ( They did this on XX/XX/19 ) If only that were the primary issue. Absolute lack of knowledge, communication, consumer education, and ethics plague this company. Needless to say, we terminated business with them and are no longer refinancing through them. We are out our {$500.00} appraisal/good faith money, have damaged credit scores, and nothing to show for it. 

I have correspondence with the broker, who fully admits that she did not intend to have her 'credit team ' run my credit again. This is illegal and unethical and I intend to seek every avenue possible to make sure this doesn't happen to any body else.