davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NC)

In XXXX. XXXX, I only paid {$450.00} of the {$990.00} payment. Work has been slow, and I could only pay the {$450.00}. The website for Fay Servicing says if you are having difficulties due to the COVID 19,  please let them know, so we did. We immediately received papers in the mail about Foreclosure over {$540.00}. I have been doing odd jobs, and my husband has been trying to work as much as possible to keep up with the demands of not having as much work as normal. On Friday XX/XX/XXXX, I tried to make a full payment of {$990.00} for the month of XXXX, and I can not process a payment online. The account has been fixed so that when I log in, I am not offered a place to make the payment. So, I waited thinking the website for payments was down. I tried again on XX/XX/XXXX, same scenario. I even tried today, Sunday XX/XX/XXXX, and I still can not make an online payment. I called the pay by phone number, and I gave permission for them to debit my account with my bank account, how much I was paying, our account number, etc. The computer said I had to say YES so it would accept the payment, so I did, and it came back saying it could not process my payment, and hung up. 
I will admit that I never pay my payment on the first day of the month when it is due, because I don't have a real job where I get a paycheck every week, my husband and I XXXX  a very XXXX XXXX. We get paid when someone else pays their invoices. But when I do have money, I'm not understanding why I can not make a mortgage payment late or not. 
The house I live in needs all kinds of work to be considered livable without a lot of expenses, it was built in XXXX, and everything about it is expensive, but we do not have the credit, nor savings to do anything about it. Everything I make or am given as a birthday present, goes into making this mortgage payment, and its very upsetting when the Mortgager will not allowed it to be paid, unless we call and talk to a person who will then charge me another {$9.00} to process it.
Consumer complaint received 2023-06-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2020-12-03
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. (TX)

enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved onXX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments
Consumer complaint received 2020-12-07
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: EQUIFAX, INC. (CA)

I have had a collection account which I resolved with the company they gave me a written statement that the trade line would be deleted completely like it never happened before. I sent the documents to the credit reporting agencies but it still shows in my credit report
Consumer complaint received 2022-11-04
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. (IL)

As a consumer I, XXXX XXXX have rights to privacy and rights have been violated. Pursuantb to fcra 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). i have not given XXXX, XXXX or transunion any permission nor verbally nor written to furnish, sell or give away any of my information. I have opted out of them giving away any of my information and they have not abided by my rights to privacy. XXXX, XXXX or Transunion have verified or updated accounts without proof of what they used to verify them. the accounts in question are 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 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 ) these accounts should be removed immediately
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

The dates are XX/XX/20 the amount is {$860.00} : This account is not mine. the actions I have taken is contacting the collection agency, contacted the credit bureau and mailed a letter to the collection agency. 

When contacting the collection agency I informed them that this account was not mine. I had never had an account with the merchant. The agency had an address that I had never resided, there were several things that did not match my personal information. As I requested for them to remove the information, they informed me before doing so they will have to report to the merchant. I then asked for any information they obtained in their investigation such as applications, contract agreements signature cards etc.. I was told someone will call me back. I included that I have a right under the FCRA to be privy of any information regarding any derogatory items on my credit report. I have yet to receive a call back from anyone pertaining to this matter. I also made it clear that I have a personal statement included on my report that cleaarly states, before granting credit to contact me under the FCRA
Consumer complaint received 2020-08-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Beginning with their notification letter dated ( XX/XX/XXXX ) Bank of America advised me that my savings account of {$790.00} was being closed. If my account had a balance after it's closing, BOA would send me a cashier 's check. I've talked with the two managers of a BOA local banking center to complain about the delay for the return of my savings. My third visit was on ( XX/XX/XXXX ), requesting another call to learn about the status of the check. I learned earlier that the check was cut two weeks before. Every time I called BOA for corporate help, I never could speak with a representative because of the very long wait time. My posted query letter ( XX/XX/XXXX ) to Customer Care in XXXX XXXXwas unanswered. 
A letter from BOA ( XX/XX/XXXX ) .advised me to call the Risk Account Closure dep't for assistance with my cashier 's check. I have not learned anything new going forward and I'm deeply concerned that I've been waiting for an unreasonable amount of time for the cashier 's check. RAC dep't tel. # XXXX XXXX XXXX. 
Thank you.
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

I was seen on XXXX, at XXXX XXXX XXXX XXXX emergency room. I provide proper billing information and XXXX XXXX was billed. It took a while as they thought I had other health care. I solved that but SEQUIUM ASSET SOLUTIONS , LLC, XXXX, GA, keeps calling me and saying I owe them {$700.00}. I contacted both the hospital billing ( XXXX ) and physician billing XXXX - XXXX ) several times. I spoke with both today ( XX/XX/2021 ) and they assure me I have no outstanding balance with them yet this agency keeps calling me. They called me just this morning ( XX/XX/2021 ) but I refuse to take any more of their calls. My credit report still shows a collection and has hurt me for 2 years. I need them to take me off credit reporting but they won't listen. All I ever get is an argument and high pressure to pay over the phone. I pay my bills but I don't owe this one. Thank you. XXXX XXXX XXXX
Consumer complaint received 2020-08-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchased an XXXX gift card from a local XXXX store on XX/XX/22 at XXXX using the Capitone credit car, in the amount of {$100.00}. I was not able to redeem the amount after I got home as the XXXX gift card system stated the gift card was already redeemed. After speaking with XXXX they advised the gift card was redeemed at XXXX, which was before my purchase was made. I went back to XXXX store manager, who refused to issue the refund due to XXXX gift card policy, however, he did mention that another customer had the same issue. XXXX customer service advised they flagged the account that redeemed the gift card, but not able to release account information to me because of privacy issue. 

I filed the transaction dispute with Capital One. Capital One requested a copy of the purchase receipt, which I provided via fax. Capital One also requests proof of contact with XXXX, such as email. I explained that this is purchased in the store, where I spoke with the store manager in person, there is no written contract with the store. Capital One refused to issue chargeback to XXXX due to my lack of proof of dispute. 

I hereby to request Capital One to contact either XXXX or XXXX to get this issue resolved
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (AL)

This company continues to violate my rights I keep disputing this with proof so how are they doing a fair investigation but ignoring the proof. I was effected by the recent scandal with them giving the wrong score! Equifax is governed by 15 USC 1681 I demand the account to be removed! On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, 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 acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy. According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (CA)

In Late XXXX or Early XXXX of 2020 and in view of the pending lockdowns I had no idea how my income from the practice of law would be impacted. As an abundance of caution I voluntarily entered the Forbearance program created by the CARES act and consistent with the GSE guidelines. By XXXX of 2020 I had concluded that the income I was receiving would likely not increase in the foreseeable future ( my conclusion was correct ) and advised Quicken/Rocket mortgage that I wanted to have my loan modified consistent with my future income and exit forbearance. After some back and forth with their employees I was advised that I would be placed into a TPP with payments of {$1900.00}. I received no formal TPP documentation. After I made the 3 payments required by the servicer a modification was ultimately offered however, without my knowledge or consent, the servicer decided to misapply my payment for XX/XX/2020 and after satisfying the interest owed with that instalment applied the balance to future interest amounts violating both the terms of the contract documents and California law on payment application as first articulated by the California Supreme Court in the Monroe v. Fohls decision. Rather than correct their error and reduce my outstanding principal balance the servicer opted to insist it's application of the funds was correct. I have since learned that the capitalization of unpaid amounts was not authorized by either the Interim Final Rule or the Final Rule regarding modifications nor was I advised of that fact until after it had taken place. Quicken/Rocket also failed to modify my loan on a go forward basis and, instead, retroactively changed figures including a backdated Escrow Analysis. While they ultimately corrected the Escrow Analysis they have continued to insist that they properly applied the XX/XX/2020 payment and capitalized unpaid amounts contrary to the provisions of the Interim Final Rule and subsequent final rule.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I began to file for bankruptcy but never finished the filing but TransUnion has placed this on my credit report anyway. They have not removed it despite my requesting that twice. I had XXXX investigate the bankruptcy and they have removed the public record from my report.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NM)

am a XXXX XXXX American Veteran rated at XXXX XXXX In XXXX of XXXX I relocated from XXXX XXXX XXXX XXXX XXXX XXXX intending to purchase a home for retirement. Before relocating I had secured an apartment in XXXX XXXX  to live during my home search opting on " XXXX XXXX XXXX XXXX XXXX. '' located @ XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX, and signing a 13 month lease. In XXXX of XXXX I received a letter informing me that the property management at XXXX XXXX would be assumed by " XXXX XXXX XXXX XXXXXXXX '' aka XXXX. In XXXX of XXXX I closed sale on a New Home and vacated the XXXX XXXX promptly and on time on XX/XX/XXXX and after moving from XXXX XXXX I had monitored my online account with XXXX for over a month making my last attempt to log into the account I discovered that the account had been closed. Naturally this indicated to me that business was complete and without issue. On XXXX XX/XX/XXXX I received an email from XXXX XXXX stating that I owed {$310.00} and if not immediately payed would be referred to collections. I immediately contacted XXXX XXXX and arranged to meet with them and discuss the unexplained charge. I delivered to them all receipts as well as every contractual & financial transaction made between both property managements and myself. After refusing to view my personal records the XXXX XXXX associate informed me that she could not explain the discrepancy of {$310.00} and blaming the former management for the error. I explained that I would gladly pay the {$310.00} upon proof of it's authenticity. The XXXX XXXX associate then informed me that they would report back to their manager and would definitely contact me or call me back, but I was never contacted with any proof that I owed this debt. In XXXX of XXXX I received an letter from " XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Informing me that they had purchased the debt of {$310.00} from XXXX and was attempting to collect. As I write this, I have never had any direct correspondence with Hunter Warfield except for my request for a letter of validation. On Wednesday XX/XX/XXXX I received notification through my paid XXXX XXXX XXXX XXXX that my credit score changed from XXXX XXXX XXXX overnight due to this unverified debt. I have also learned while researching this claim that XXXX XXXX XXXX XXXX Apartments were yet again under new management with " XXXX XXXX XXXX.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

Citi Sears credit card ending XXXX sent me promotions to spend {$1000.00} for XXXX thank-you points plus the base points before the deadline. I did purchasing and met the requirement and saw the reward points in my account. However, when I called to redeem the points, I was told the card was blocked and no redemption was allowed ; they wanted me to wait for a letter to verify my information. That was in XX/XX/XXXX. A week later I called again because I did not receive the letter. They said I needed to wait for a letter. I asked them to combine my reward to another Citi card reward account so that I could redeem my points, they said no. I called them 4-5 times totally. Finally I saw the letter on XX/XX/XXXX in my mail box dated XX/XX/XXXX. I called them for verification. They said a new card would be sent to me with a different card number. Yesterday, I called for my points redemption. I was told the points were not seen and I heard the reward account was not there I wanted to talk to a supervisor but then got disconnected. I called again for two more times. The reward account or the points were not there accordingly. They just said it was because the credit card was replaced. This credit card got replaced months ago. At that time the reward points were there being seen. I am not sure if they did this to me for vengeance taking simply because I complained about Citi earlier. Also they used auto pay to get the XX/XX/XXXX in XX/XX/XXXX.