davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (FL)

I've received several notices from XXXX XXXX for accounts that have been in default due my failing health. 

XXXX bought debts from a XXXX cards and entered judgments against me XXXX  XXXX - which was dismissed XXXX XXXX XXXX - Entered in the amount of {$5300.00} CITI Bank- Which was entered which they are now trying to garnish wages from a Job I no longer work at. and I am paying the debtor directly
Consumer complaint received 2022-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

XX/XX/2021 Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, I am writing to request that you review the following information that was entered on my consumer report. 

XXXX XXXX XXXX ending in XXXX I attempted to use this card on XX/XX/2021 at a local restaurant, the card was denied. When I logged into my account I found that there was an overdue balance outstanding that had not been paid. I contacted XXXX XXXX this morning and found out the problem was that XXXX had put me on paperless billing without my knowledge. I have had numerous financial accounts request paperless billing and have always refused because I was afraid this is exactly what would happen. 

When I realized the account was past due on XX/XX/2021 I immediately paid the balance in full. I explained this to XXXX this morning. The only problem is that I paid using my online banking which will make the payment on XX/XX/2021, however the due date is today. XXXX accepted responsibility for the mix-up, removed all late fees and assured me my credit score will not affected more than it has already. 

If you review all of my accounts due over several years my payment history has been excellent. My credit score has been excellent for quite some time now. 

The purpose of this letter is to ask that you adjust my score to where it would have been if the late payments had not occurred. I hope that my credit will not suffer because of actions taken by XXXX and not approved by me. 

Thank you for consideration in this matter. 

I have spoken to Experian twice but have not been able to review the results of my dispute.
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc. (TX)

I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AL)

My credit was hit with a insurance company XXXX  in which I did not renew with them and went with another company. XXXX went up and I did not resign with them. I did not sign a new contract with them. I let this one go and signed up with another insurance company.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (PA)

On XX/XX/XXXX, I contacted LexisNexis requesting that my information be suppressed and blocked, I received an email saying my information was suppressed as I requested. On XX/XX/XXXX, I applied for credit with XXXX XXXX and received a denial, stating they reached this decision based off of a report they received from LexisNexis company. This is a direct violation of numerous Federal Laws.
Consumer complaint received 2022-05-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account with my written instructions.
Consumer complaint received 2022-04-01
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-04-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

A follow up to a Closed Complaint XXXX We requested copies of 4 checks drawn on a closed HELOC Access 3 account # XXXX Name on Account XXXX XXXX XXXX XXXX XX/XX/XXXX Truist did mail us copies of 4 checks, but two were not the checks we requested, and we still need the other 2. The person who signed the letter directed us to our local branch if we need more help. We have already been there twice and they are unable to help us. 
They did not leave a phone number or any way to contact them directly. I'm not willing to spend multiple hours on the phone again over this. 

Cleared date Check # Amount XX/XX/XXXX XXXX {$11000.00} XX/XX/XXXX XXXX {$4100.00}
Consumer complaint received 2022-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (NC)

Spoke with Mariner Financial to help lower the APR to help lower the monthly payment. In returned to pay off more to the principle but they said their APR is based on how much we request. The lower amount we request the higher the APR but even asking for a higher amount not guaranteed a lower APR. the lowest they provide is 18 %. This is not only wrong but unfair to the concurrent with a fair to great credit score.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

My XXXX and PIN was stolen and the thief was able to complete two XXXX transactions totaling {$1000.00}, taking money out of my checking account. TD Bank denied my initial fraud claim because face ID was used, according to the app. But the thief could have changed the settings to recognize his face. I have filed a police report and submitted it and a second fraud report to TD.

I am filing this complaint because TD Bank is refusing to return my money.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION (ND)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Alliant Credit Union services.
Consumer complaint received 2022-04-01
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I was car searching online at XXXX ( I believe ) or another site around XX/XX/2022. I was looking at a vehicle and it gives you an opportunity to revise down payment and projects monthly payments. I never contacted the dealer and never even made any inquiries about the vehicle or about qualifying/applying for a loan. I received a notification from XXXX XXXX that there was an inquiry from XXXX XXXX. I have never heard of this financial company and never applied, either directly or indirectly, for a loan with them. I contacted Experian and file a dispute. The dispute was denied. I called Experian and they stated that I needed to contact the company and ask them to submit a request to remove the inquiry. On XX/XX/2022, I received a letter from XXXX XXXX stating I was denied a loan. Again, I never applied for a loan and never authorized them or any other car dealer to run a credit check. On XX/XX/2022, I contacted XXXX XXXX and explained what had happened and stated that I was told by the credit bureaus that I had to ask XXXX XXXX to request the inquiry be removed. They refused to do so and stated it is not their responsibility. They also refuesed to provide me who authorized them to run an inquiry.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2022, I modified a bill payment address in XXXX XXXX  electronic payment system. At that same time, I made a payment to company XXXX at this new address. On XX/XX/2022 the check was cashed. I later reviewed my account and called the bank because company XXXX had not received a payment. What I found was that TD Bank had issued the check to company XXXX rather than XXXX at a different address. Bottom line is the bank issued the check to the wrong payee at the wrong address. 

When I called TD Bank requesting some assistance in resolving the issue, they instructed me to call the company who had cashed the check and ask for a refund.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (TX)

I have a few debt collection companies that keep coming after me and harassing me for medical debt that I am currently exempt from being that I am a college student and qualify for the cares Act and have already received funds through my college because of my financial need. These companies are absolutely ruining my credit and threatening me.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was messaged by someone that hacked my friend XXXX XXXX account needing a little money I thought it was XXXX and I used Zelle to send the Money and when I realized that I wasnt getting paid back I realized I was getting scammed by a scammer that hacked his account. I filed a police report with the XXXX XXXX Police Department and I filed a scam/fraud report with the XXXX XXXX XXXX and Im in the proses of filing a scam report with Zelle. I will send about 4 of the Zelle transaction emails in the attach file section XX/XX/XXXX {$200.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle XX/XX/XXXX {$500.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$300.00} thru Zelle XX/XX/XXXX {$300.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$500.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle
Consumer complaint received 2022-07-15
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. (NC)

Account was closed and opened again on my credit report 5 months later without on consnet. Account was also closed XXXX 2021 and removed from my report, The account should not have been added back on my report without my written consent. 

In accordance with the Fair Credit Reporting act 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 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 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (TX)

I have called 7 times regarding the removal of dispute comments from my accounts. The disputes fall under XXXX XXXXFedLoan XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated they could not remove dispute comments over the phone or by fax, and the only way to remove them was to send a letter to XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX They and that they will take 2-3 weeks to receive the letter and then will have an additional 30 days to remove the dispute comments. After multiple calls they gave me 2 ID Numbers. Dispute ID # of XXXX for account # XXXX. You spoke with XXXX XXXX and it took 2 phone calls to get to this information, as while she was getting a supervisor to approve the comment removal the call was disconnected. 2nd call she stated it had to be mailed in and did not get the supervisor. 
Call 1 Time XX/XX/2022, XXXX XXXX. 
Call 1 Time : XX/XX/2022, XXXX XXXX Call 3 Time : XX/XX/2022, XXXX XXXX  There we at least 4 additional calls requesting disputes removal where I was given several different phone numbers to call. Upon calling the numbers no one answered my questions or assisted me. 

I am currently seeking financing and this is holding me back. Please remove disputes expediently.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (MN)

In XXXX of XXXX I had Covid related financial issues and could not make my mortgage payment that was due by XX/XX/XXXX. On the XXXX of XXXX I inquired about forbearance from my mortgage company, during the inquiry I was assured that if I qualified my credit would be safe from any negative markings. ( If that was not the case I would have chosen a different route to cover my payments before XXXX XX/XX/XXXX days late ). While on forbearance my credit was marked 30 days late on XXXX, XXXX, and XXXX. I called Loan Care and they did an investigation that concluded the late marks were correct. I would like to know what my options are moving forward.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. ()

Re : CFPB Case Number XXXX/Citibank Case Number XXXX XXXX : Account Number XXXX ( now closed without my knowledge ) In response to my previous message of complaint to the XXXX only after that did I receive any priority action from Citibank NA I received the following message from Citibank , N.A . Customer Service Center XXXX Citigroup XXXX, XXXX XXXX, XXXX XXXX XXXX : On XX/XX/XXXX, a XXXX XXXX XXXX account ending in XXXX was closed due to inactivity. The funds remaining in the account, US {$100.00}, were transferred to our abandoned property unit and subsequently remitted to the South Dakota Treasurer in accordance with state law. Consequently, Citibank is no longer in possession of these funds, which can only be returned by filing a claim with the Unclaimed Property Division of the South Dakota Treasurer ( UPDSDT ). For more information about making such a claim, please write to the UPDSDT at the following email address : XXXX You may also contact the UPDSDT as follows : Phone : ( XXXX ) XXXX Unclaimed Property Hotline : ( XXXX ) XXXX Website : https : //www.sdtreasurer.gov/unclaimedpropert END OF QUOTE I had visited Citibanks XXXX XXXX XXXX XXXX XX/XX/XXXX expressly to update my account address details and the bank failed to exercise this minimal responsibility. 
Citibank has handled this complaint extremely poorly. They gave me no option for replying to them by e-mail. Instead, I have to call them long distance at my great expense OR I have to rely on snail mail. I have found that ordinary mail to/from XXXX XXXX is taking an excessive amount of time to reach me in XXXX and XXXX. Totally unacceptable. 
Not only did Citibank fail to carry out the basic task of ensuring that it had my correct mailing address after my prolonged visit to their XXXX branch in XX/XX/XXXX, but it also then compounded matters by soon after introducing a hefty monthly charge of USD XXXX. This was a so-called XXXX XXXX XXXX XXXX XXXX Really? Accordingly, my balance of USD XXXX at XX/XX/XXXX was thereafter rapidly reduced to USD XXXX by the date of transfer to South Dakota in XX/XX/XXXX. 
Did Citibank offer to refund my funds? No, I was supposed to chase what little balance remained myself. 
Come on. Would anybody rational keep funds in a bank account when a charge amount of such magnitude had been introduced? Did this compel Citibank to carry out any extraordinary steps to ensure that this client would be satisfied with such an arrangement? NO! 
It defies common sense. It manifests a complete lack of customer service mentality. 
Here is what I would expect now. Not only should my balance of USD XXXX ( plus interest ) be returned to me, but I would also expect additional compensation for all the time I have had to devote to finding out what happened to my account with Citibank. Hour after hour after hour. It is beyond belief the incompetence I have witnessed from this bank. 
Thank you very much for your attention to this file and my concerns. 
Respectfully, XXXX XXXX
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aqua Finance, Inc. (TN)

I just received an email from XXXX XXXX that On XX/XX/XXXX Agua Financial did a Hard Inquiry on Me. I Have NOT Applied for ANYTHING I Just Did A Consoladation and My Husband plant is about to shut down because of Covid So THER IS NO WAY I Would ADD ANY MORE DEBT ON US!!!! If Yyall Could fix This I Would Be Sooo Greatly Appreciative. Thank Yall SOO Much For Helping People Like Us From People Like Them That Try To Completly Destroy Us Because They Think Wer Stupid and DONT Know how To Do Anything Because Wer From the South . But Thank You And You Will Be Blessed. My Name Is XXXX XXXX and My Number is XXXX and e-mail is XXXX Bless You