davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MNS & Associates LLC (CO)

I've been getting calls from a debt collector in New York called MNS and Associates. I live in Colorado. This company is calling for a guy named XXXX XXXX XXXX. I've called them, answered when they call and emailed them to tell them I dont know this person. When I try to tell them to take my phone number off the list they just hang up on me. I spoke to a guy on XX/XX/2019. He said my number would be removed. The very next day I received another call. I tried telling the lady she has the wrong number and to stop calling me and was hung up on AGAIN!! I'm tired of getting call after call for a person I honestly dont know! I dont know how to get this to stop so I hope this will help.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (KY)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. IC systems has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2020-06-23
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX. XXXX   XXXX
Consumer complaint received 2023-04-11
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. (GA)

I sent a letter in XX/XX/XXXX to XXXX, XXXX, and TransUnion asking them to remove information from my Consumer Report that violates my privacy. The companies responded with a reply that was totally unrelated to my complaint. The response was irrelevant and failed to address the nature of my complaint.

They are violating the law by refusing to protect my privacy AND further ignoring my request for specific removal pursuant to the following : 1. The Privacy Act of 1974 2. 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDITOR ) making the report is NOT INCLUDED on my Consumer Report. Utilization is an experience regarding the use of the line of credit that was extended between the consumer and the creditor. CONGRESS clearly states that the reporting of Transactions or Experiences are not included on the consumer reports.

3. They did not inform me that I could Opt Out AND they do not have my permission, in writing, pursuant to 12 CFR Part 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer XXXX exercise the opt out right. 

NOTE : I hereby rescind any authorization, written, unwritten, expressed, or implied to report utilization on the accounts listed in this complaint, now and forever in perpetuity. The accounts remain on my consumer report but my utilization ( customer experience ) is not to be shared and should reflect 0 %.
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MD)

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX. I also contact comcast for the balance I had pay them before which was {$460.00} different than the one they reporting??? I also call XXXX on XX/XX/2019 and talk to XXXX about disputing it and she failed to submit my complaint ( please have XXXX address the failure she did have all my credentials, no excuses they can find her and address it.
Consumer complaint received 2023-03-28
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. (IA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, Transunion and XXXX.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I had an outstanding balance on my XXXX XXXX internet services. I could not disconnect or close the account before traveling outside of US and therefore, incurred charges for couple of months ( XXXX 2022 ). I moved to a different address upon my return and got a new XXXX connection, beginning XXXX. I had been trying to make XXXX waive the charges since there was no use of internet. In XXXX, I noticed that the amount shows as " collection '' on my credit report. I called XXXX again and we agreed to settle for a reduced agreed upon final amount of {$100.00} on XX/XX/2022. As a result, my credit report from XXXX appears to have been updated but not from Equifax, as shown in my credit karma account. I disputed the XXXX account balance ( {$130.00} ) on my Equifax credit report, several times but keep getting the same answer that its correct. Please help me resolve this issue which has been affecting my credit score. I do not have a single late payment or any other unpaid debt in my credit history. Thank you
Consumer complaint received 2019-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (ME)

I have called over several months, and submitted a request more than a month ago now to formally have my student loan interest ammount looked into. I am on an in income based repayment plan and only have subsidized loans. The monthly payment amount I was told to make was detremined to be {$0.00} as I did not have a job. This means that the government ( because I have subsidized loans ) should be paying 100 % of my student loan interest, yet they are only covering approximatley 50 % and I have accrued nearly {$250.00} worth of outstanding interest. Again, my interest on this plan should be paid by the government as I have not ever received the governmetn interest susbidy for more than a year before ( i know that if you have received it for 3 years then the subsidy drops down to 50 % -- - that is not my situation. ) I was on a similar repayment plan for a year in 2015 and had VERY similar issues ( though at that time they failed to pay any of my interest at all that they were supposed to ). This took nearly a year and a half to resolve and I had to pay out of pocket and cover those illegitimate interest fees ( after the one year mark when I started to make regularly monthly payments ) at the time to ensure that my credit wasn't ruined. I would not be surprised if this were a regular tactic of MyfedLoan to get more money out of people and prey on their confusion regarding student loan payments.
Consumer complaint received 2022-08-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

Home was secured in a XXXX fell behind in payments 18 months into XXXX due to engine failure on current vehicle secured in the XXXX was told by the court to request loan modification, It took 3 months more documentation but loan mod was granted, Had a rental assistance payment in the amount XXXX ( rounded ) paid 2 months later taxes were paid in the amount XXXX and the mortgage payment was returned, then was told house was sold, I never authorize this transaction the judges name was incorrect, I disputed in a timely fashion with the wrong judge due to USBank misinformation judge on documentation, which time and allowed them to do an illegal sell Technoloy I only owed XXXX to the bank. Now I was made aware my money for the mortgage assistance was returned and my home was sold for XXXX and XXXX in escrow and year to date credit has not been fixed updated or acknowledge. Now being asked to leave. All of this was derogatory not notified or respected. I can make my minimum payments, and was treated unfair and made to be homeless, currently working an eviction due to sale on the house was done illegal.
Consumer complaint received 2019-10-24
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: EQUIFAX, INC. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

I co-signed for a {$1600.00} loan for my daughter back in XXXX I believe, she consolidated this with another loan of {$16000.00} and they are saying I'm now responsible for {$19000.00}. I didn't consolidate this loan. They have all of my information which my daughter has access to. I was informed that I would have to take action against my child or pay the bill. It is not my bill to pay. I would gladly pay the {$1600.00}, but I'm not sure how it can be legal for them to force me to pay after the interest almost {$40000.00} in student loans that are not mine. I didn't even know this loan existed until XX/XX/XXXX when it showed up on my credit report when I was going to get a home equity loan. It was not on my credit report when I refinanced my house in XXXX. I find this to be a bit sketchy.
Consumer complaint received 2019-10-24
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: CITIBANK, N.A. (TX)

Citi checking account offer : open checking account and deposit XXXX dollars and will get XXXX   XXXX XXXX miles. 

I opened my citi checking account around XX/XX/XXXX, the XXXX dollars was funded around XX/XX/XXXX, but today is XX/XX/XXXX, almost 4 months, I haven't got the miles. I am trying to contact customer service several times, they don't want to solve my problem and just kick me around, and transfer me to the wrong department, I was trying to explain to them when I oppened my checking account, it didn't asked me to enter my XXXX XXXX account number, if the XXXX acount number is not in your system, how could you give the miles, each call cost me more than 1 hour but nothing was solved, they just asked me to keep wait for the next cycle.
Consumer complaint received 2019-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, as i'm driving i received a text from a friend who mistakenly received {$25.00} from me through XXXX. As i check my Chase account, there was a XXXX quickpay transaction for {$500.00} to an unknown person that was denied. I immediately call Chase Bank to inform them my account has been compromised. WHILE IM ON THE PHONE WITH THEM, i receive another notification that a {$500.00} transaction to another stranger was APPROVED, WHILE IM ON THE PHONE WITH CHASE informing them of fraudulent action on my account. I instantly make the claim for the {$500.00} dollar quickpay transaction that they APPROVED WHILE IM ON THE PHONE WITH THEM. 

I was informed that it would take 5-10 business days for the claim to process and if there was any updates, i would be contacted about them. Almost 15 business days go by so i decide to call the bank. They finally informed the claim was denied. NEVER contacted me through email or phone. The notes on the claim were that the transaction was approved because " these transactions were approved by me or someone i know ''. They could not provide the device ID, the ISP or any conclusive information. 

it is 2019, it is not unfathomable to think that my account can be hacked remotely and give the impression that these actions were done by me, that is the whole premise of hacking/fraudulent transactions. Chase is denying my claim although they can not provide anything tangible behind why they are denying it. They tried to claim my computer was hacked, even though i own a company encrypted laptop with antivirus protection.
Consumer complaint received 2019-10-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC. (TX)

I have attempted repeatly to contact a representative with this company requesting that they validate the alleged date they claim I owe bearing my signature over 30 days ago, they have failed to do so, my rights according to FCRA is gravely being violated. also this company is reporting this debt twice, duplicate accounts which is challenging for me to obtain credit.
Consumer complaint received 2020-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

This is actually not a complaint. I am looking for help, and I believe this is the best portal to request it. Citi Bank is reporting a late payment on XXXX, XXXX on my account XXXX, opened date XX/XX/XXXX, limit {$3500.00}. 

I was set up on a payment plan with citi, back in XXXX when I was told they would not report me for being late, but late fees would still incur. I let the representative know this and he told me because I was placed on a do not call list regardless of the payment plan they wont remove this. I paid on XX/XX/XXXX and this was reported on XX/XX/XXXX. 

I WAS IMPACTED DUE TO COVID19 that month of XXXX, and contracted the XXXX after XXXX to XXXX. I was made to XXXX   and was out of work for 2 weeks. 

I am asking Citi to remove this late payment reported on XX/XX/XXXX. I paid as soon as I was able to do it. The battle against the covid19 has not been easy in any way. I am just asking what is fair, and I hope a fair solution to this issue. The late did not happen because I did not have money or because I did not want to pay. This was a seriuos health issue. 

Thanks to whomever reads my request.
Consumer complaint received 2023-03-28
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: Zions Debt Holdings (AZ)

I have been disputing an incorrect item on my XXXX credit report since XXXX. Instead of investigating XXXX continues to accept Zion Debt Holdings word for the incorrect item. I have personally requested that Zion Debt Holdings send ME verification of the account, such as, the name and telephone voice recording of who originally ordered the service from XXXX , the date of the request, the billing address given, and the name on the credit card securing the order. Zions Debt Holding has NOT provided this information to me or to XXXX. I have never received a bill for this account because I do not now nor have I ever had an account with them. I am XXXX XXXX XXXX under doctor 's care and the stress of this is further damaging my health. I have maintained excellent credit for more than 60 years. This incorrect collection on my credit report has knocked my XXXX score down from XXXX to below 700. I keep trying to contact XXXX about this, but their phone number takes me to a robot telephone loop. My complaint is about XXXX AND Zion Debt Holdings. Because of my age, I feel totally taken advantage of that borders on elder abuse. I have no documents to submit, because I did not order this service, have never received a bill. I don't know how to upload my letters to Zion Debt Holdings or XXXX. May I send you copies through the mail?
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that need to be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 



I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2019-10-24
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: U.S. BANCORP (CA)

Our companys US bank credit card has been stolen since XX/XX/2017 when we opened this account. The US bank denied that our account had been stolen. Denied fraud upon received of my report and commissioned a collection agency to call me repeatedly. I asked for four copies of signed credit card checks and they refused. This total amount is {$12000.00}. Just a large sum of them, a total of more than {$20000.00} was stolen. These checks were actually embezzled and paid to XXXX company by their internal staff. We complaint US bank lost our personal information and refused to accept fraud report. No one and no departments were responsible. They transferred me to different people and department many times when I told to them on the phone. Also I complained this situation to you. They didnt response either. Finally transferred to the debt collection again.
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I posted in the XXXX Vacation Rentals Private XXXX Group that I was looking for a condo to rent near the beach. I got many replies back to my post as well as someone with the XXXX name of XXXX XXXX XXXX who reached out to me via XXXX XXXXPrivate Message and said her rental was available. After asking many questions, I told this person that we'd think about it. We looked at all of our options and decided we wanted to proceed with her property. 

Almost 48 hours later I reached out to her, asked a few more questions and then told her we were ready to book. She gave me the option of booking online through her management company XXXX or I could book directly through her. I asked her if there was a difference and she said no. The only difference was that we'd save the {$400.00} fees the management company charges. We decided we would like to save on fees and would book directly through her. 

She provided me her XXXX information, which was an email address of XXXX under the name of XXXX XXXX XXXX XXXX XXXX. I logged into my bank account with Bank of America, and used XXXX to send {$1000.00}. This person sent me a PDF confirmation from XXXX that looked very suspicious, so I started investigating and realized it was a scam. Upon notifying the group on this scam and discussing this person with a moderator of a different beach group, I learned that this individual or group of individuals has scammed many people using the XXXX XXXX XXXX fake account as well as other fake accounts, including XXXX XXXX, Virginia XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. He/She has even taken names of members in the group and created profiles with their names and tried to go that route as well. 

We are frustrated because we thought that by using XXXX through Bank of America, there would be fraud/scam protection and Bank of America would be able to work with the recipient 's bank to retrieve funds.