davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020, with follow ups disputes each month and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible. 

I SENT A POLICY REPORT AND THIS COMPANY IGNORED
Consumer complaint received 2024-12-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NJ)

on XX/XX/year> I went into my Ally bank account and change my phone number and my email address. 

Today I went in to make a transaction on that account and they wanted to verify my identity by sending me a text or a phone call. Unfortunately, that phone call or text was going to the prior phone number. I then called the helpline number spent over 25 minutes with an agent who couldnt help me. I then hung up with him called back, spent another 10 minutes. The only resolution they gave me was that they would File a case with their back office department. Unfortunately, I have to wait anywhere from 24 to 48 hours to hear back with them, meaning I have no access to my funds.
Consumer complaint received 2022-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch (LA)

When I was XXXX from XXXX XXXX XXXX on XX/XX/2022 I was sent by XXXX XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I was sent there for XXXX XXXX, I was at XXXX XXXX for 23 days, I was XXXX from XXXX XXXX and they called XXXX XXXX to take me back to XXXX XXXX XXXX, before I was XXXX to go to my own home that I own and have lived at for 51 years now. XXXX XXXX XXXX is my Medicare Advantage Plan Insurance. There was a lot that went on while I was at XXXX XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .After I left from there and went back to hospital, I told my son to go and get my clothes and belongings and my money and other articles, that I wasn't able to carry with me, because no one told me I was going back, they just showed up and took me without any explanations. I had some very nice expensive long gowns and robe that were in the dresser draws there, along with several tops and pants. I recently called XXXX  to ask for a Print out of my Bill showing each day I was there and the day I was XXXX. I want to see what all I was being charged for and they will not let me have anything for myself. I didn't even know I owed anything at all until I called them on phone and ask for this and was denied I hadn't received any bills at all since I was XXXX. But while I was there they kept asking my children for my Banking Information on several occassions. I would not give them this info, because I did not believe I had to give them this since I already had XXXX XXXX XXXX XXXX. Now I found out through Medicaid, that XXXX XXXX XXXX has tried to file for Medicaid on my behalf with out my knowledge of knowing this. I have never filed for XXXX  or have ever had it, XXXX XXXX XXXX was trying to file for XXXX XXXX XXXX for me there, and I was only there for 23 days, I was XXXX on XX/XX/2022 and went back to XXXX XXXX XXXX. I think I should have the right as a patient to get a copy of all of my charges showing all the days I was there, what all I was being charged for, everything that they said I got while I was there. I had a emergency in middle of night with my XXXX machine fell on floor and water was going everywhere and all in my mask and face, I kept calling for nurse almost a hour before they would come, they were abusive and mean, When I called and talked to the bookkeeper just last week about this, this is when I found out that she said I owed this debt, this is the first I even heard of it, I want them to send me a Statement of everything, and the bookkeeper was nasty acting and told me no and ask me if I was going to pay her this {$340.00}. that I owed to her, we had words over the phone and I ask her who g ave them the right to ask for my bankinh and all, and this XXXX XXXX XXXX  that I didn't know about, She hung the phone up in my face, and said I could not have anything.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

https : XXXX? XXXX CFPB Write up n 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 a account without my written instructions
Consumer complaint received 2022-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (MD)

I have paid the debt as of XX/XX/2022. On the same date, the collection agency reported that the debt was still owed. I am attaching all the documents to support that the payment has been made. I have included the document that illustrates the phone you can call to verify the money has been cashed. When I log into the collections agency 's website it also shows it has been paid.
Consumer complaint received 2022-07-11
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. (DC)

In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX. This has been reported by a third party company and not by the United States Bankruptcy Court in XXXX. An attached document has been provided by the United States Court in XXXX, Maryland for me for my complaint. 

XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-09
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. (FL)

I am writing to you because I had reached out to XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX about a serious issue with an account reporting falsely on my credit report. I want to know why this is still reporting if it doesnt belong to me? You never sent me any correspondence about this. I have been a victim of severe data breaches dating as far back as XXXX. My previous employer had a major breach where my personal information was leaked and used, including social security number and financial information. I have to check my credit regularly to make sure nothing is happening.
Consumer complaint received 2020-07-06
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. (OK)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2020-07-15
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: Experian Information Solutions Inc. (TX)

I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK
Consumer complaint received 2022-01-14
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 — Was not notified of investigation status or results
Company: Phoenix Financial Services LLC (NY)

I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Bureaus, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX   Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted XXXX XXXX  and the balance is {$0.00}. Not understanding why this debt is being reported. XXXX XXXX Account # : XXXX for Address of service : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, GA XXXX.
Consumer complaint received 2021-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

I submitted a written request for cancellation of my PMI ( private mortgage insurance ) through PHH Mortgage using their official cancellation form. I included a check for the requested amount of {$150.00} to pay for an appraisal of my property. My loan is over XXXX years old, originating in XX/XX/XXXX. The value of my property has increased significantly since obtaining the loan. I have never been late on a mortgage payment and my account is in good ( perfect ) standing. The {$150.00} payment was applied on XX/XX/XXXX. I called to check on the status on XX/XX/XXXX, and to ensure that the {$150.00} payment was correctly applied towards an appraisal because my online account did not specify. I was told that they had my paperwork, the payment was correctly applied, and to wait 20-25 business days from the date the payment was applied before expecting to hear from the cancellation department. By XX/XX/XXXX I had still heard nothing, and called for an update. I was told by the customer service representative that he would personally look into my case and either call or email with an update within the next two weeks. I never heard back. I called on XX/XX/XXXX and this time was forwarded to an " escalation manager '' to look into the issue for me. I spoke with XXXX who was very nice and helpful and said she would be in touch with the PMI cancellation department and should hear back from them within 10 days, and that I would receive communication via email from her with updates. I received an email on day XXXX and day XXXX. Both times I was told that they were " still thoroughly researching the issue '' and would be in touch within the next five business days. I have been told by every representative I have spoken with that even though the PMI cancellation department is busy that someone should have contacted me within 25 business days of my payment for appraisal being applied.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I had USAA through XXXX XXXX in XXXX and XXXX, I became XXXX in XXXX when my father died. XXXX and XXXX XXXX have convicted a fraudulent scheme involving me and my son 's identity and defrauding several insurance companies, IRS, XXXX, XXXX XXXX.
Consumer complaint received 2021-01-05
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. (LA)

I've sent disputes last XXXX2020 regarding to those inaccurate and unknow accounts on my credit report. but until today I haven't received any response. I'm a victim of XXXX  Data breach. I want all those account will REMOVE on my credit report ASAP or I will file a litigation.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have 2 Late payments shown on my account from 2018 XXXX and XXXX I had my Credit card attached to a Gym membership and they charged me when i was in a situtation where i couldn't do anything about it. I've tried to dispute it through capital one. it shows late payments from 30 then 60 days during this time i was XXXX XXXX ( in basic training ) and unable to view my report. Please help me remove it. I always pay on time. this is the only time it shows I haven't paid on time. this is really hurting my credit score.
Consumer complaint received 2021-01-05
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: AMERICAN EXPRESS COMPANY (NC)

I XXXX XXXX have filed several disputed fraudulently statements with XXXX  Credit Bureau and XXXX  Credit Bureau for an investigation for several months against American Express ( Green ) continuing reporting false account No. XXXX, opening dates inXXXX is false reporting, the amount paid per month is not reported on correct account No.XXXX and closed the false account on XX/XX/XXXX as charged off, updated on XXXX. I filed a dispute with the Federal Trade Commission on XX/XX/XXXX, and FTC forwarded the Investigation Complaint to the Consumer Financial Protection Bureau, ( CFPB ), including this fraudulently dispute against AMEX Acct. NO. XXXX in the amount of {$4900.00} reported on XX/XX/XXXX, closed on XX/XX/XXXX is not my account, did not opened in XXXX, and the correct number is XXXX, not reported. AMEX did not justify the certified reason these incorrect acct. NO 's are listed into my Credit Report and refused to remove these fraudulently accounts & refused to report the correct accounts and amount paid as agreed on the correct accounts that I did not opened in XXXX. XXXX & XXXX  refused to investigate and reduced my XXXX from XXXX to FICO XXXX, including fraudulently dispute against XXXX XXXX XXXX false debt of {$4800.00}, XXXX XXXX XXXX & XXXX Collection of {$150.00} and XXXX XXXX XXXX XXXX XXXX, Acct. NO. XXXX fraudulently reporting that I am 30-56 days late, disputed not late, destroying my future of purchasing a home in XXXX, NC. near my daughter & four grands. Please Investigate my Complaint. XXXX XXXX, SSN XXXX, XXXX XXXX XXXX, XXXX, North Carolina XXXX.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

My complaint is against AT & T Universal Card ( AT & T ). I filed a complaint with the XXXX XXXX XXXX and AT & T Universal Card has not responded. The credit card company states that they apply payments first to the balance with the higher interest rate. I had two balance transfer offers.

1. Approximately {$22000.00} at 1.99 % that ends in XXXX of 2021. 
2. Approximately {$3000.00} at .99 % that ends in XXXX of 2021. 

Illegal action : 1. It appears from analysis that AT & T is applying a portion of the {$330.00} payment to cover the interest on the larger balance at the higher rate. 
2. The rest of the payment goes to lower the balance for the lower interest rate balance transfer with the longest remaining time. 

The minimum payment for the account is approximately {$330.00}. 

This is a disadvantage to me in that I am charged a higher rate for a longer time and the loan with the longest life is being reduced first. 

I believe this is is against the company 's stated policy and does not meet current credit card practice.
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Parkway Financial Group, LLC (CA)

In or about XX/XX/XXXX a request was made by me to remove escrow payments from the monthly mortgage with lender Inspire Home Loans serviced by XXXX See attachment email confirming inquiry ticket XXXX. 

In a letter dated in or about XX/XX/XXXX I was notified that the escrow removal was denied due to the loan to value ratio on the property not meeting an 80 % value. See attachment. 

This is incorrect and does not apply to the guidelines set by government backed enterprises such as XXXX XXXX  See the following from their website : In general, to qualify for an escrow waiver on a conventional loan, youll need : XXXX below 80 % ( meaning you have more than 20 % equity in your home ) No recent delinquencies No loan modifications No previous defaults on an escrow waiver The home was recently appraised a value of {$500000.00} during a Brokers appraisal that took place on XX/XX/XXXX by lenders own agent. See attachment. 

The current owed loan amount is {$350000.00} see attached, and the value of the property was assessed at {$500000.00}. 

This would mean the loan to value ratio is well below the 80 % threshold as XXXX is 69 %. 

Multiple multiple attempts have been made to resolve this issue with the mortgage lender and loan servicer. 


Also, during a previous complaint see, XXXX, it was stated by XXXX supervisor XXXX in a phone conversation On XX/XX/XXXX that monthly PMI payments made between XXXX and XXXX totaling {$280.00} would be refunded once the new value of the home was established. In an attempt to retrieve this reimbursement I was denied citing a decision was made to not honor the reimbursement.

Please get these issues resolved and grant the escrow waiver as requested.
Consumer complaint received 2022-07-11
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. (TX)

On the date of XX/XX/2022 I disputed several inaccuracies on my report. All were removed, but two has come back & it's causing severe damage to my profile. According to the FCRA several of my rights have been violated. 
15 U.S.C.602A : States my right to privacy 15 U.S.C. 604A : States a consumer Reporting Agency can not furnish my information without my written consent. 
I did not give permission for any of these companies to furnish my information.