davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA!

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. 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. 

ACCOUNT : XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

Dear Sir/Madam : I am writing to officially file a complaint against a company that has scammed me and, evidently, countless others. 

On XX/XX/2022, we were scammed by a company that called themselves XXXX XXXX XXXX. The product they were selling was a travel membership which included hotel, cruise line, airline tickets, and group offers for travel around the world. During their sales presentation, they also offered to help us sell our time share. There was a large amount of pressure applied and it was presented as a limited time offer, so we accepted the sales pitch and paid their {$3900.00} fee. When we left their office and had internet connection, I googled the company name and found that there were many reviews that identified the company as a scam. ( Please see the links below. ) After learning this, we went back to their office and, after much discussion, were eventually able to get a refund, less {$50.00} for a meal voucher they had given us. They had charged our XXXX, so when they said they would give us a refund, we also called XXXX and disputed the charges as a scam. XXXX notified us that the charges had been refunded and we thought that was the end of it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today, XX/XX/2022, we received a collection notice from Monterey Financial Services, LLC, requesting that we pay the {$3900.00} XXXX The collection is for a company called XXXX XXXX XXXX, which is the third name that we know of that the company has used. All three of the company names have both XXXX XXXX and XXXX addresses. 

I am also providing the links where I found that it was a scam. It appears that this has happened to many different visitors to XXXX. 

XXXX XXXX  XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX Thank you for in advance for your attention to this matter. I can be reached at this email address or at the phone number below.
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accounts Interchange Group LLC (AR)

On XX/XX/2022 XXXX from AIG Accounts Interchange Group for XXXX XXXX XXXX XXXX XXXX contacted my mom looking for me. She was told I do not live with her but that she would let me know that she called and give me her number. I was given the number and tried to called but obtained a voicemail. I left my name and number, believing that this was in regards to an insurance quote. I did not receive a call back, but my mom was called again on XX/XX/2022 in the am. I was working on XX/XX/2022 but when I came home I noticed that the number I had called had called my home phone that morning at XXXX. I called the number back at XXXX on XX/XX/2022 and spoke with XXXX XXXX. She let me know she was with AIG and said that I owed a debt to XXXX XXXX and in order to avoid further judiciary action I needed to pay what I owed. I explained to her that I wasn't going to be paying anything, that I didn't know of a debt with XXXX XXXX, and upon speaking for a period of time she finally said she was with a debt collection agency attempting to collect a debt. I told her that I had not received anything from her company by mail regarding the debt, nor had I received any calls personally from them and wanted her to explain why they hadn't called me, but called my mom. XXXX stated I never answered my phone, which they never had tried to call and when she asked to verify my email address, what she had on file wasn't my correct email address. I gave her my correct email address and she forwarded a generic letter to me dated XX/XX/2022 with little to no information on regarding the debt. When I said I would need to investigate this further on my end she sent me the online application with the company that I supposedly signed then stated she knew I had did the application because the IP address matched my location, she stated this multiple times in our conversation then also stated that I had several, as a matter of fact 5 different IP address. I let her know that there are many people that have access to my IP address and that an IP address can be manipulated. At that time I let her know that I would be looking into this but that she was not to contact my mom again and that she contact me by mail only. Since speaking with XXXX on XX/XX/2022, I received phone calls from her on my home phone number on XX/XX/2022 at XXXX, my cell phone XX/XX/2022 at XXXX and again at XXXX, XX/XX/2022 at XXXX and again on my home phone on XX/XX/2022 at XXXX and XXXX. I work and can not make/take personal calls. I have looked into this and am disputing this debt, but she continues to call. I have a letter I am preparing to send AIG.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc. (NJ)

XXXX XXXX XXXX XXXX at a restaurant in XXXX  owned XXXX XXXX XXXX. I was told they pay on this XXXX XXXX XXXX. I trained XXXXXXXX XXXX and decided not to go back. I received a XXXX XXXX XXXX that I registered and when I checked I had XXXX something XXXX  on it. I tried using the card XXXX XXXX at XXXX and such for small purchases when traveling and the card did not work. I saw on an email that it is not set up for traveling and it did NOT give a reason no funds? So I never really bothered witht he card since it had such little funds. That was in XXXX, I recently called the back of the card to see why I could never use it and it said my balance was XXXX. That is impossible since I never used it. I called them up and they said I registered it and I never deposited money. I told them my job did and they said they checked and there are no funds ever put on. This is a lie and XXXX. They never sent me paperwork as proof and now everything is wiped out? They are a scam, they wouldn't let me take my money out and made it so frustrating an now XXXX later it is gone and since they only have online info they wiped it out. I want my money sent to me in a check and this company investigated. They have terrible views of misconduct.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Bank of America ( BOA ) steamrolled snatching my {$240.00} away from me, after it lied to me about still, thoroughly reviewing my claim. I saw missing money today, as I looked at my checking account online. BOA 's Resolution Specialist XXXX XXXX, has emailed me about supposedly doing a thorough research on my claim. But actions speak louder than words. BOA doesn't say anything now, since it wants XXXX  rental car to snatch my {$240.00}. Never mind that I sent BOA my online XXXX car rental reservation made on XX/XX/2022, for a car rental that was to cost me {$590.00}. Never mind that XXXX counter worker erased and replaced my reservation, without my knowledge, while my family and I waited for XXXX to bring us the car I booked. And it's okay with BOA, when unscrupulous companies snatch away people 's money, by getting customers to sign signature pads. I never saw nor received XXXX 's new deal that XXXX made on the fly. And that's okay, too, at least in BOA 's eyes! And it's okay, too, to lie to the CFPB and to me, about BOA still " researching '' what it already took from me today.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

On XX/XX/2022 I went to https : //bizcards.usbank.com/credit/business-triple-cash-back-credit-card.do and saw a promotional offer advertised with the following terms : {$500.00} cash back if spend {$4500.00} in 3 months. 

I have proof that on XX/XX/2022 the website advertised this offer via XXXX. See : XXXX XXXX XXXX : //bizcards.usbank.com/credit/business-triple-cash-back-credit-card.do I clicked the apply link and applied for the card. I spent {$4500.00} in 3 months. I never received the bonus. I called to ask why I did not receive the bonus, I was told that when I registered for the card no such bonus was applied to my account. I asked for them to fix it, and some days later received a letter stating : " We are unable to change your enrollment offer '' Please consider the date of the archive.org snapshot that displays an offer of {$500.00} cash back on XX/XX/XXXX, and consider the PDF of email dated XX/XX/XXXX stating that I have signed up for this exact card. 


I am due {$500.00} cash back. This is false advertisement.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

All 3 credit bureaus refuse to remove a student loan ( Acct. # XXXX ) that was paid over 3 years ago which the provider promised to remove from my report upon payment. The U.S. Department of Education, XXXX, and XXXX  says is nowhere to be found. XXXX refuses to allow you past the automated operator. XXXX refuses to take my info or evidence, and Transunion wants me to pay {$30.00} which I am not gon na do. I can no longer dispute this account because it has already been disputed.
Consumer complaint received 2022-09-19
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: Neon Newco Corporation (PA)

I owned a Netspend card to which I lost on XX/XX/XXXX in the morning. Around XXXX on XX/XX/XXXX I was charged XXXX dollars from XXXX XXXX XXXX XXXXXXXX XXXX Card ending in XXXX - {$28.00} PENDING It is still pending but I contacted Netspend XXXX had to reopen a new account, call SSA to make sure my direct deposit goes into my new account and all that. I have looked all over online to see who these people are and with no luck.. I even contacted the number XXXX number and with no luck. Someone used my card and now I have to go thought all of this mess. I am very XXXX off and will not pay for something I know nothing about and never heard of...
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (GA)

In previous months, I requested the correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had updated. Due to the Bureau 's lack of response which I classify as frivolous. Experian, XXXX, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number:XXXX Account Name : XXXX  - Account Number:XXXX  Account Name : XXXX - Account Number:XXXX  Account Name : XXXX XXXX  - Account Number:XXXX Account Name : XXXX - Account XXXX Account Name : XXXX - Account Number:XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I have requested to de-escrow my mortgage. PHH Mortgage is my mortgage holder. They have consistently failed to make the necessary tax and insurance payments, and are over-withholding amounts. I am very careful with my bills and do not appreciate PHH provided me with instructions on how to de-escrow the account. I followed the instructions in XXXX of XXXX and weeks later received a letter that the next disbursement was too close so they could not de-escrow and I would have to re-apply in XXXX. I re-applied in XXXX and within 2 weeks received a letter with a form to be filled out and emailed back to PHH. This was completed on XX/XX/XXXX. It is not XX/XX/XXXX, and I have not received my escrow disbursement. I called in, and PHH claims to have no history of any application to de-escrow. I am now being told that because a tax payment is due in two weeks that I will have to start the process over again in XXXX. 

As a consumer, I should not have to spend countless hours on the phone with customer service representatives in XXXX who are unable to provide any assistance. I live XXXX minutes from PHH 's " office '' in XXXX XXXX, NJ where their apparent headquarters is located and have offered to come into the office to sit down with a representative from PHH to resolve the matter, but am told I have to call the customer service line.

I am unable to get this resolved directly with PHH and am requesting assistance from the CFPB. 

Thank You.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I banked with Bank of America years no problems at all years I lost my card didnt know i lost it untill like one two days later when I try to login and cant login call they say there closing my account cause I tried to deposit checks the guy said I told him I lost my card that wasnt me its fraud I said where were these checked supposedly deposited he said he couldnt tell me Ill get a letter in the mail go a letter they closed the account received one letter saying account closed I thought they just closed it no they put me in the XXXX XXXX I would never write bad checks in my account never I have a business and family to support
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

They solicited me for a $ XXXX line of credit card, with XXXX XXXX cash back if I spent $ XXXX in XXXX months. I joined, went to use card for a large purchase, denied it, said I had to build up a spending history. So how do you spend XXXX in XXXX  months? Impossible. Closed account. Account was setup as estatement and autopay/full balance. Never received one statement, assumed paid in full. Notified by XXXX  they filed a past due report on me after XXXX months. No statements, no call, nothing. They acknowledge external account for Autopay says too bad I didn't get statements. Offered to send them email and spam logs to prove no statements sent, didn't care. Would not do anything to rectify report. 
I also never received an email acknowledgement of my final payment, which I made earlier today, confirmation XXXX I do not have the full account number as I destroyed cards when I closed account, I have included most recent statement which I ws able to retrieve off line.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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.