davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (GA)

I reached out to the Equifax by mailing a letter First XX/XX/XXXX asking them for verification on Account XXXX I requested them to please investigate and delete from my credit report because I knew it wasn't accurate. It lacked any information about who was the debt collector reporting this inaccurate information that also violated my rights. They responded that they " verified the information ''. After they sent this I asked them to send me a breakdown of what they are alleging that I owe, the breakdown of fees, or bills and who the information came from. They DIDN'T RESPOND. I waited until to this matter was followed up with another letter from me on until XX/XX/XXXX to send a reminder letter and said they needed me to verify my identity. Which I did. On XX/XX/XXXX Equifax finally responded with who was reporting this inaccurate information and they told me XXXX XXXX XXXX. Being that XXXX received my dispute back in XXXX via Equifax they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. They are claiming that this is a medical bill. I am allowed under the XXXX  law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they haven't responded means that they couldn't verify the information and therefore not only violated FDCPA but also XXXX. This account, account number # XXXX to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and XXXX.
Consumer complaint received 2020-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

I was the victim of an attempted fraud on my checking account with CITIBANK. 

Three weeks ago I tried to make a money transfer from CITIBANK website when the system showed a similar message like " Its not possible to make the transaction, try again ''. 

At that moment I decided to call to customer support to know what was the problem, and the operator told me that my account was blocked due to there was a pending payment by paper check with suspicious activity. The paper check was made out to XXXX XXXX. Just to be clear I DO NOT KNOW XXXX XXXX. 

At this moment I created a claim in CITIBANK number XXXX and it is related to a previous claim made last year about fraud and identity thief from my savings account on the same bank ( CITIBANK ). With this it had been 2 fraud attempts to my savings and checking accounts on CITIBANK. 

On XX/XX/2020, I accessed to my bank account and I realized that on " Manage Bills & Payees '' section on CITIBANK website there was a register to XXXX XXXX, immediately I delete the record from my personal checking account. I have evidence of that and attached to this claim. 

I want to let you know that on XX/XX/2020 I went personally to a CITIBANK branch in XXXX, to change my personal address, personal phone number, account password and the recommend me to asked for a new debit card to avoid other issues in the future.
Consumer complaint received 2020-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (TN)

I requested for the previous bank named Suntrust Bank now called Truist to transfer {$250.00} plus an accepted {$3.00} fee five times on five different dates to my checking account at the XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2020. 

{$250.00} was to be received at XXXX beginning the XXXX of XXXX except not one dime has been received in my XXXX  checking account. 

I filed an electronically file a complaint to the bank using a way to file a dispute. 

On Friday I received an electronic document asking me a XXXX to complete some more information about the amounts while the document was not complete to ask about my complaint. The instructions are requesting that I sign the completed document then " fax '' it to a number. 

I have informed the manager that I am so XXXX that I struggle to place a stamp on a letter for a business purpose. 

I have electronically communicated through their secure services messages but I am and have not received any responses.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

On XX/XX/2020 I signed up for a fencing project through Home Depot and they assigned one of their contractors XXXX XXXX. At which time they were offering a promotion for 24 month XXXX financing. I noticed a {$2400.00} charge on my credit card statement and 12-month no interest financing. On, XX/XX/2020, I reached out to Home Depot customer service and explain to an agent by the name of XXXX that I was supposed to be on a 24 month no interest financing promotion. The service agent corrected my account to the 24 months and told me that I would not be charged until the contractors had started the work But, a week later I received a letter in the mail that stated something diffent from what we discuss and now Home Depot is asking for a payment Which eliminate some of the time on 24 month promotion. I am having an issue with this because no work has started nor did I have a start date of service as promised by the service agent. So, today XX/XX/2020 I contacted Home Depot because of the letter which was not what we discussed and spoke with a supervisor by the name of XXXX and he told me to cancel the order, which he should know that if we cancel the order we would be charged a cancelation fee for the company and would be taking a loss of {$150.00} for a work permit that I was told had to be purchased.
Consumer complaint received 2020-10-09
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. (GA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I attended XXXX XXXX XXXX College in XXXX, CA in XXXX. 
I unexpectantly received an overpayment by my college for my student aid-informing me that I now owe {$950.00}. ( now {$970.00} ) I was a single mom at the time-barely getting by-and health issues. 
I had to stop my studies because I could not pay this. 
It went to collections, I received letters offering lower amounts if I paid in full. 
I noticed on my credit report The Dept Of Education showed up as if I had been making timely monthly payments to them-every month. 
( I never received a loan-I only received the grant ). 
I recently diputed this-as my debt was there already past 7 years-even though it showed paid. 
I disputed with Experian. They denied the dispute. Then I see my credit report now says XXXX and that it will be on record until XXXX! 
I disputed twice afterward with Experian. I also called them as well with my complaint. 
My credit report shows that in XX/XX/XXXX my loan is in collection-when aside from everything else-the Cares Act alone-it should not especially be reported late for the month of XXXX. 
They just keep denying it-so I can be in default with them another 7 years! It shows a charge off-with being late and in collection, presently. 
I now call the number for the Dept Of Education loan default Customer Service ( after so much run around ) -after signing in-the system knew who I was-but wouldn't give me any more information than that. 
So when calling the default number-in order to speak to a rep-it asks me to enter my social security number-then tells me that they can't assist me-then tells me a website address-which says to call them! 
I am beyond frustrated. Because it looks like I have 7 years of a student loan debt-that I just defaulted on in XXXX, XXXX=my credit score dropped so much! 
This is very unethical-as basically they are just trying to start the " loan '' all over again. Please help remove this off of my credit report. 
No one will even speak to me.
Consumer complaint received 2020-07-09
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2022-07-18
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: Fidelity National Information Services, Inc. (FNIS) (IL)

I have reached out to ChexSystems and requested information in which I have yet to receive a response. ChexSystems is in violation of my rights as a federally protected consumer.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act : XXXX  XXXX acct no. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively, has violated my rights. 15 USC 1681 section 602 A states : I have the right to privacy. 15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without without my written instructions.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Account XXXX XXXX REC # XXXX Account XXXXXXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account 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
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account 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
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is a formal complaint against Capital One, the credit company I have a personal credit card with, for sending private information of hotel guests to other guests who are staying at XXXX XXXX XXXX in XXXX XXXX, IL. 

On XX/XX/XXXX, I have received a packet of documents from Capital One. The packet was mailed to my home address with personal and private information of one of the hotel guests- XXXX XXXX whom I don't know. The packet sent to me included his full legal name, the company he works for, his hotel room number, his car 's license plate number, his signature, credit card information, etc. I have attached few pages here out of 47 to show you how reckless this incident is. 

I have no idea why Capital One disclosed XXXX XXXX 's secure information to me but I am now very concerned about my safety as a female who lives there alone. I fear that my private information has been revealed and sent to other hotel guests by Capital One just like XXXX XXXX 's ended up in my mailbox. 
Although my reservation at this hotel was booked till year XXXX, I will be moving out in a few days and checking out early, because of this safety and privacy breach. 


Please investigate this incident as it is a serious violation of hotel guests privacy policy and let me know how it can be avoided in the future. 
I will be happy to provide additional information if need be. 


Thank you, XXXX XXXX
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

For the past several months I was harassed by The XXXX XXXX XXXX XXXX XXXX with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the XXXX XXXX XXXX XXXX XXXX and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feedingy family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from XXXX XXXX XXXX XXXX XXXX XXXX demanding payment. 
This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The XXXX XXXX XXXX XXXX XXXX claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against XXXX XXXX XXXX XXXX XXXX XXXX and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (NY)

For the past several months I was harassed by The First National Bank of Omaha with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the First National Bank of Omaha and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feedingy family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from The First National Bank of Omaha demanding payment. 
This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The First National Bank of Omaha claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against The First National Bank of Omaha and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

Monday, XX/XX/2022 : I received a notice of insurance cancelation from my property insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This cancelation notice and the accompanying Billing Notice are enclosed. Because I did not check my mail until XXXX, I was not able to call my local agent. 

Tuesday, XX/XX/2022 : I called my XXXX XXXX agent, XXXX XXXX, and confirmed that my policy had been canceled due to nonpayment by the mortgagee effective XX/XX/2022. 
XXXX EST : I called PHH Mortgage and informed them of cancelation. My agents name and policy number was taken and the agent said that she would resolve the issue and call me back. 

I called my agent again and advised him that PHH was going to reach out and that if my account status had not changed by XXXX, to please call me so that I could escalate. 

XXXX EST : After XXXX XXXX called and let me know that my insurance still had not had a payment applied, I called back ad escalated it again. At this time, I was told that PHH would overnight a payment to reinstate my insurance. I asked for clarification of that and was told that a check would be cut on the NEXT business day and then would be sent to XXXX XXXX via XXXX overnight. I asked to speak to a supervisor to understand what had happened to allow my insurance to lapse and was told I would be called back by one. As of the date of this letter, I have received no further communication from PHH Mortgage. 

Because I was without homeowners insurance from XX/XX/XXXX through that date and was told that I would remain without insurance until XX/XX/XXXX, I made the decision to call XXXX XXXX directly to make a payment of one months premium to reinstate my coverage. 

I have a pool and live in XXXX XXXX where we have entered hurricane season- we have had a tropical storm during the window of time that I was without insurance. PHH Mortgage is contractually obligated to pay my property insurance and to keep it in good standing, per the mortgage agreement and the monthly charges for escrowed funds to do so. Had an accident occurred at my property during the three weeks I was without coverage, the property or our financial wellbeing could have been put in jeopardy. Both XXXX XXXX and PHH Mortgage had the correct information for my mortgage company and for my property insurance on file at the time this event occurred. 

I would like to file this complaint against PHH Mortgage so that their processes and systems be evaluated and events like this are avoided in the future.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (VA)

To Whom It May Concern : I've contacted PHH Mortgage Servicing Company on several occasions regarding negative information they've reported to the credit bureaus. The derogatory information that they are reporting is a charged off with a high credit amount of {$69000.00}. I've never signed a contract with PHH Mortgage regarding this account. This reporting is erroneous and I've challenged the accuracy, compliance and reportability of this listing. I've asked PHH Mortgage Servicing Company to delete this account from my credit report.
Consumer complaint received 2020-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Account Services, Inc. (DE)

Allied Account Services placed a collection on behalf on XXXX XXXX? We were never notified of any outstanding balance by XXXX XXXX or Allied Account Services. I am unsure what the bill could be for, however we owned a home in Rhode Island and have sold and closed the sale on home in XXXX. At closing any bills owed would of been paid. Electric and Gas were transferred to new home owner at that time. I find this to be harmful and possibly illegal by both XXXX XXXX and Allied Account Services. We have had no communication with either company.