davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (TX)

Final attempt to resolve the validity of this debt, cease collection activities, and XXXX am this morning was not a good time to call me and threaten legal action up to including jail time. 

" This correspondence is in reference { ... } a supposed debt still owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Service XX/XX/XXXX. The disputed amount was included in billing on XX/XX/XXXX and paid by XXXX XXXX  Check on XX/XX/XXXX, received by XXXX  XXXX  XXXX  on XX/XX/XXXX. 

A further communication from XXXX  stated an additional amount of XXXX was still remaining as on XX/XX/XXXX and that amount was paid XX/XX/XXXX and confirmed received via phone conversation with XXXX XXXX XXXX XXXX XXXX, with XXXX ( sp ), on XX/XX/XXXX. XXXX XXXX was unwilling to confirm any additional information, at that time, as the account had been turned over for collections. 

1. You will cease and desist all collection activities 2. You will no longer contact her at any numbers you have listed for her 3. We will only recognize written contact with the resolution with this matter from the initiating creditor to include an apology from their escalation department 4. You are being reported to the Consumer Financial Protection Bureau for harassment of the above named individual a. Continuing to attempt phone contact after being advise, via phone conversation on XXXX XXXX, XXXX that the debt was disputed b. Continuing the initial phone contact with consumer after being advised she was currently in the XXXX  with XXXX access to financial information c. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX and insisting she provide you with banking information YOU contacted the consumer, the consumer is not obligated to provide financial information without first verifying the call is legitimate and not a scammer d. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX with derogatory statements and threats of legal actions that could include jail time e. Additional attempts to contact the consumer on XXXX XXXX, XXXX after a nurse confirmed that she was in the hospital and unable to take phone calls of this nature f. Continuing to attempt phone contact with consumer after written notification, sent via certified letter from XXXX XXXX XXXX XXXX client 's attorney- on XXXX XXXX, XXXX g. Continuing to attempt phone contact with the consumer 5-20 times per day h. Attempting to contact the consumer almost 100 times in a 30 day time frame 5. Per contact with XXXX on XX/XX/XXXX, at XXXX, it was confirmed by XXXX XXXX this debt was paid in full on XX/XX/XXXX and should have never gone to collections
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (FL)

CitiCards received a refund credit for XXXX XXXX XXXXn the amount of {$4100.00} on XX/XX/2022 from which they have paid off my balance and subsequent charges without my permission. My payment is not due for 2 weeks. When I called and requested them to transfer the credit to my CitiBank checking account that I pay my CitCard payments from I was informed that this was impossible and that the only option I had was to receive a check in 5 days in the mail. I asked for them to overnight my check and was told that this was not possible. 
If I owed CitiCards a balance I would be charged over 18 % interest as well as a late fee.

CitiCards has done this before and I have been told that this was their practice. The refund is my money, and CitiCards has no right as to what I want to do with it. I have looked at my agreement wit CitiCards and I do not see anything that says that any credit I receive is theirs to do with what they want. I consider this an act of conversion, and if this is their practice it should be changed.
Consumer complaint received 2022-07-07
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. (AL)

Experian is reporting a bankruptcy on my credit profile. I have asked for verification of the bankruptcy, and it did indeed come back verified. This is a problem because Experian is stating they spoke with the court and the court verified the bankruptcy. I have done my due diligence and contacted the court on my credit profile. They not only could not verify the bankruptcy as mine, they also stated they not VERIFY with the credit bureaus. XXXX has removed the bankruptcy because of this. I am asking Experian and XXXX how they are verifying the bankruptcy. They are stating with the court. This is not true. Meaning, the bankruptcy is unverifiable. I am asking for immediate deletion of the bankruptcy on my credit profile. This is defamation of character as the bankruptcy is being reported in error. If Experian and XXXX are using XXXX to verify, that is not a fair investigation. I have the right to a fair investigation. Thank you
Consumer complaint received 2022-07-07
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. (NC)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX Account number XXXX These lenders have accessed my credit file : XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 XXXX It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (CA)

The original loan amount was {$18000.00} by Sallie Mae in XXXX. Repayment started in XXXX and payments were made regularly. In XXXX my son lost his job. He called Sallie Mae and they worked with him and the loan went into deferment. In that time during Covid all student loans were deferred due to hardship. The difference is Sallie Mae was accruing interest on their loans. This was not made clear to him at the time. What started as an {$18000.00} loan is now {$27000.00}. How can this be legal? They acted like they were helping him out when he could not pay. They suggested the deferment and now he owes more than is even borrowed. At no time was he told that loan would increase this much. It seems to me that in a time when the we all needed help they took advantage of students.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 Transunion more than 21 times. transunion 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.with no help.
Consumer complaint received 2022-10-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with 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. 

Here are the list of fraudulent inquiries on my report. 
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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-07
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 Transunion more than 21 times. transunion 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.with no help.
Consumer complaint received 2023-03-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2023, I sent an affidavit of truth to the following companies regarding reporting inaccurate information to my consumer file at XXXX, XXXX and XXXX. The first complaint was sent to XXXX XXXX, Bank of America, XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. According to the tracking numbers that were provided in the affidavit of truth they received the information and the dispute and continue to report the errors to my credit file. The following financial institutions are continuing to violate the Fair Credit Reporting Act after I requested to exercise my right under 15 USC 1681 ( i ) ( a ) ( 2 ) ( B ) 2 Exclusions please see attached affidavit of truth.

Also, under the Fair Credit Reporting Act and the Federal Trade Commission specifically the Gramm-Leach Billey Act 15 USC 6802 Obligations with respect to disclosures of personal information and my right to opt out from credit reporting was violated by these financial institutions. 

All five of these financial institutions knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, which include XXXX, XXXX, and XXXX. They knowingly and willfully withheld information that explains how I the consumer can exercise the non-disclosure option. The following accounts are in violation of the Fair Credit Reporting Act 1. XXXX Acct # Card ending in XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2022-09-11
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. (AL)

FRCA VIOLATIONS NOT MINE NOT MY CREDIT CARDS XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5500.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$390.00} Status Collection account. {$390.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY INQUIRIES XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXX/XX/2023
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC (WY)

On XX/XX/XXXX a request was put in to get a pay off letter. 

On XX/XX/XXXX yet another request was sent in for a pay off letter. 

On XX/XX/XXXX yet another request was sent in for a pay off letter. 

Several phone calls where made after XX/XX/XXXX and I get told that they have received it and it is locked in and would be receiving it from a week from XX/XX/XXXX which would have been by XX/XX/XXXX. 

I called on XX/XX/XXXX at XXXX pm mountain time asking for the letter and was promised that I would receive it no later then there end of the business day. 

On XX/XX/XXXX no letter was received regarding my pay off letter. 

Called on XX/XX/year> and was told that they are still waiting on a response from the pay off department.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with Fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UDC 1681.

15 U.S.C 1681 section 602 A. states I have rights to my 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report contatining any of the following items of information. Any other adversse item infromation, other than records of convcitions or crimes which antedates the report by more than seven years. 

Companies : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I refinanced my home with Caliber Home Loans in XXXX. 
Due to issues with them paying my taxes late and making me pay the late fees and interest, I contacted them several times to cancel my escrow account using the procedure and forms they required. They denied the request. They always say that the " anticipate '' larger amounts will be required for future taxes and insurance coverage. I began paying my taxes and insurance payments in XXXX to prevent them from continuing the mistakes of the past. ( I have the receipts. ) To call them is a live nightmare, referring always to a customer service number with lots of suggested extensions but none of them applicable, or those who are unable to assist or answer the questions. 
I have called many times and written several letters to get them to stop the escrow inclusion in my payments, sending them by faxes. I never receive a reply, except twice recently which was not expected and left no person, office, place, or extension except the customer service one. They have told me many times that it has been sent to the " escalations management department '' and I should receive a phone call in 7-10 business days and they have never even called or given me information on how to contact them. 
I have threatened them with applying to your office for help and legal proceedings. To no avail. 
They have paid my taxes on property of mine not connected to the mortgage. 
The increases to escrow has raised my monthly payment from {$1000.00} to {$1800.00}.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Advantage LNS Inc. (MD)

This collection amount rereported by ( Original creditor ) : XXXX XXXX is fraudulent. I am being charged after my lease was legally terminated at the end of XX/XX/2018. This is not a loan nor back rent owed. No lease agreement with my authorization follows XX/XX/2018. 
This company files a false claim after I legally vacated the property.
Consumer complaint received 2022-12-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC (NV)

my loan is in default and the creditor will not work with me on an affordable payplan. They said I have to pay {$410.00} every XXXX XXXX Upon me telling them I can't afford that and what type of arrangement I can do, they said they were moving forward with a judgement.