davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

I have a personal checking acct at Community Bank NA in XXXX XXXX XXXX, NY XXXX only use my checking acct as a secondary account and able to access online only- I don't receive paper statements- I had been locked out of my account for months since I dont use the account regularly- When I again got access to see it online on XXXX XXXX, I discovered there was a revolving amount being drafted from my acct- {$610.00} since XX/XX/XXXX. I immediately called my bank ( XXXX ) XXXX and they had me come in and sign 6 signature pages for disputing the 6 transactions that occurred either the XXXX or XXXX of every month starting XX/XX/XXXX. I was told from my local bank XXXX Community Bank NA from XXXX branch manager ) ) that another Community bank in XXXX XXXX NY transposed their bank ID number ( XXXX ) with mine ( XXXX ) and then also changed a number to reflect my personal checking acct number. I was sent letters from Community bank for the following date of transactions : XX/XX/XXXX - we have not completed our investigation- we issued you a provisional credit to your account and will notify me with 45 days of the results. If we discover an error did not take place, we will notify you that we are going to debit your account XXXX same message as above XX/XX/XXXX - we have credited your account-disputed transaction- {$610.00} XXXX we have completed our research regarding your dispute and the dispute was not submitted in a timely manner= they will not give me my money back XXXX we have credited your account-disputed transaction- {$610.00} XXXX we have credited your account-disputed transaction {$610.00} That does not make sense they will not credit my account for the false transaction that took place on XX/XX/XXXX
Consumer complaint received 2022-05-14
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)

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/2014 Balance - XXXX XXXX. 

FCRA violations : not my name XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX # XXXX XXXX, TX XXXX
Consumer complaint received 2023-03-22
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: Maximus Federal Services, Inc. (NY)

These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-07-28
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: Block, Inc. (GA)

I made 2 purchases with my cashapp card on XX/XX/2023 from XXXX XXXX. It is now XX/XX/XXXX and I'm yet to receive my items. I usually receive my items from XXXX XXXX XXXX in about 5 to 8 days. I began to dispute my transaction around XX/XX/XXXX or so with cashapp. I've provided them with the same documents that I'm providing you with. I have called several times requesting a supervisor .... they always have an excuse as to supervisor availability. I have filed at least 8 disputes since the 15th. All have been denied. At the end of the day. I still haven't received my items. Thank you
Consumer complaint received 2021-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I contacted Truist in XXXX and uploaded documents XX/XX/XXXX. I've received literally no communication since that point at all. I checked the website and it said my loan was de-activated. 

I submitted for re-activation and emailed my representative multiple times with no response. See attached. 

the only reason I'm staying with Truist is the inconvenience of starting over with another company. I hope you can get Truist to process my application and communicate with me.
Consumer complaint received 2020-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (CA)

XXXX XXXX incorrectly claimed I didn't pay a bill for rental equipment that wasn't returned to them at an address that I never moved to, for equipment that I never requested or received, and then proceeded to ruin my credit. They are in violation of the fair credit reporting act and I'd like to be compensated for them putting me and my family through this during such a stressful time. 

On XX/XX/XXXX I called XXXX  to provide a new address for transfer of services to a new address to begin services on XXXX XXXX. I called back the next day to let them know I will no longer be moving to that address and to cancel that order. They confirmed several times that order was cancelled. I moved on XXXX XXXX to a different address and continued XXXX  service at that new address, so they continued to have all of my contact information and knew how to reach me. I've never paid any XXXX  bill late in the many years I've been a loyal customer, which they confirmed to me several times, which is why what happened next is even more frustrating. 

They NEVER ATTEMPTED TO CONTACT ME via tel/email/mail to let me know that they THINK I owe them anything before sending an incorrect supposed debt off to a collections agency on XXXX the XXXX called Amsher Collections Services, which also NEVER ATTEMPTED TO CONTACT ME before reporting the fraudulent debt WHICH I DO NOT OWE on XXXX, to the national credit reporting agencies thereby damaging my credit significantly. In fact, the only way I even knew this was a debt they were attempting to collect was AFTER my credit monitoring report let me know that my credit decreased by 100 points! I never was made aware of this attempted debt collection prior to this ding on my credit report and had to research how this happened after the fact. 

When I called XXXX/XXXX  customer service they confirmed that I do not owe them anything and that they likely lost their own equipment. They also confirmed that they saw in their files that I never received service or equipment at the address that I was sent to collections for. Nevertheless, after speaking with 2 different representatives, they refused to tell the collections agency to correct the fraudulent charge until they complete an 'internal investigation ' that clearly, has nothing to do with me. How is this legal?! 

I believe both XXXX/XXXX  XXXX  as well as their collections agency, Amsher Collections, to be in violation of the Fair Credit Reporting Act and I must insist on immediate correction of my credit report as well as compensation for the damages this has caused to me and my family.
Consumer complaint received 2023-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PatientFi, LLC (MI)

Firstly, I have received two letters from the CFPB stating that someone OTHER THAN ME appears to have submitted complaints in my name. 

NO ONE ELSE DID THIS! It was me, so please STOP deleting my cases! 

They are 100 % submitted by me, & only me. So PLEASE stop assuming it was someone else, & please address my complaints : I had 2 medical procedures. I originally got funding through Patient Fi, but after the procedures, & it appears my 2 loans may have now been transferred or sold to XXXX ( XXXX XXXX XXXX ) and then sold onto XXXX. My credit score was over 700, & I was given a 14.9 % interest rate!! I thought the highest legal interest rate in the U.S. was 10 %, before it starts getting into predatory levels. Not only is the interest rate very high on these 2 loans, but my account was sold from Patient Fi within the first month, AND it takes them over 30 days to reply to my email messages when I contact their customer service. I contacted then on XXXX XXXX, & didnt get a reply until XXXX XXXX. I have attached a copy of the email below. What can be done to help me alleviate this high interest rate? What are my rights? This complaint needs to be sent to PatientFi ( not XXXX ). Please note that XXXX has already been contacted, & they informed me that PatientFi needs to handle this compaint. ( COMPLAINT ID XXXX )
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am asking for your help to address the wrong account being reported on my credit profile. This mistake has damaged my reputation, and I need your assistance. The incorrect information you've added has negatively impacted me, and I request its removal.
Consumer complaint received 2020-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent certified dispute letters to XXXX, Transunion, and XXXX  with the latest letter being sent on XXXX/XXXX/2020 requesting for an investigation of the errors on the two alleged accounts that are being reported on both of my Transunion and XXXX  credit reports. XXXX is claiming that I allegedly owe {$710.00} and {$150.00}. There are two inconsistent " Date of Last Activity '' being reported for the alleged {$710.00} account after XXXX, Transunion, and XXXX  have claimed to have validated the account. How is that possible? After reviewing my Transunion credit report it shows that XXXX is reporting a Date of Last Activity on XXXX/XXXX/2020. Under the consumer protection afforded by the FCRA Section 605 (  c ) it is against the law to re-age an account. I am requesting that XXXX, Transunion, and XXXX  be investigated and that the XXXX account be deleted from all of the credit bureaus and from my credit reports.
Consumer complaint received 2023-03-22
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I received a letter from XXXX XXXX stated that this has been removed from my loan status and has been reported forgiving, attached is the letters from the loan provider for which I submitted to all three reporting agencies. Equifax, XXXX, and XXXX have refused to remove the information or credit the account as satisfied. I have submitted two disputes for each agency only to state the previous information quoted to them in XXXX of XXXX  from the loan agency. If you notice the one account that I am disputing is the only account that has not been updated since XXXX when the loan was dismissed XX/XX/2023. Please see additional attached Letter.
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation (CA)

On XX/XX/XXXX I had applied for a loan from Quick Credit Inc and I got approved for a loan. As the process was undergoing one of their representatives XXXX XXXX reached out and told me that before we continue they needed my credit score to go up. So therefore they said they were going to send me credit funds into my bank account and therefore with those funds I needed to buy prepaid/gift cards with the total amount they said which was {$1000.00}. They were purchased. Info was sent over but what I didnt check was that they had requested claims on transactions I had already made on my bank account therefore those funds that the gift cards were purchased with came within my account. They never sent any funds. I got completely scammed. I have proof of a contract, messages, calls, transactions with this company.
Consumer complaint received 2023-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity Properties Inc. (GA)

I visited XXXX XXXX XXXX  once in XXXX of XXXX. I believe the date of service was XX/XX/XXXX. During my visit I was instructed to do some home care and was told I didnt need any follow up visits or further treatment. I received my bill and started to post on it. I made several payments and in XXXX of XXXX I called XXXX XXXX to pay my bill in full and paid the exact amount I was quoted over the phone and was advised my account was paid in full. Fast forward to XX/XX/XXXX I get a letter from a collection agency advising I owe an additional {$75.00}. This was strange considering I was told a year prior my account was paid in full and received no other bills or contact from XXXX XXXX. I called the business, the billing agency, and the collection agency and requested my account statements showing what I originally owed, what my insurance paid, and what I paid. A few weeks later I received what I believed to be my complete account statement showing what I asked for and insinuating that I still had a balance due of {$75.00}. Per the letter it asked me to provide cancel checks or a written explanation if I believe that I had already paid this amount. So very quickly I went through my emails, and printed off copies of my bank alerts showing that I made a minimum of three different debit card transactions in XXXX however only XXXX were accounted for on the statement. With third payment being accounted for the company would then owe me {$25.00}. I sent them a letter and the printouts. A few weeks later they sent me another letter and a completely new account statement with more charges and visits. I believe their book keeping has failed and they are just throwing statements together attempting to get me to pay what Ive already paid. I am refusing to pay anything further and would like them to stop harassing me.
Consumer complaint received 2023-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (FL)

My mortgage company was contacted by the attorney representing me in the sale of my home and a closing date was established for XX/XX/XXXX at approximately XXXX. My mortgage payments are scheduled to be automatically debited from my checking account on the XXXX of the month excepting if the XXXX falls on a weekend. I contacted the account manager that is the contact for anything connected to the mortgage account in my name and instructed him not to debit my checking account for the month of XXXX as the home would be sold on the morning of the XXXX. The mortgage company debited my account several days early so they could receive the payment before I closed the sale on the XXXX. I instructed the mortgage company that by doing so they would change the outstanding balance on the sale price of the home and I would lose a full month mortgage for a few hours of ownership. I have requested that the mortgage company reimburse me for the withdrawal made from my account for the payment of the XXXX mortgage and have not yielded positive results from any conversation with them. Their intent to extract payment early was only so they could get one last payment prior to sale. The sale of the home went as planned on Monday XX/XX/XXXX XXXX and I lost a full months mortgage for a couple of hours of ownership. I instructed that if for any reason the closing did not go as planned then they could extract the payment on the XXXX which they have done several times before in the past when the XXXX of the month fell on a XXXX. I seek resolution for this issue.
Consumer complaint received 2022-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

The amount SPS paid out in home insurance does not accurately reflect my policy documents and SPS WILL NOT EXPLAIN WHY SPS REFUSES TO UPDATE ESCROW DOCUMENTATION TO REFLECT TRUE POLICY AMOUNTS!!!! In addition, I was informed my account is on a Bankruptcy repayment plan. Why is it on one now and what is that?? I was never told about this. They Hijacked my credit reporting that i have not made any payments. I have made on time monthly payments. Why does my credit not reflect this?? I AM NOT IN BANKRUPTCY! 

I GET XX/XX/XXXX SPS paid XXXX {$3600.00} for policy effective XXXX. The policy was updated XX/XX/XXXX new amount {$2200.00} saving {$1400.00} SPS was notified, XXXX  returned {$1400.00}, I wrote Check # XXXX for {$1400.00} to SPS for ESCROW ONLY. All of this transpired prior to my first payment being due! 

Forward to XX/XX/XXXX and SPS paid {$2900.00} for Insurance. Updated policy effective XX/XX/XXXX was for {$2000.00} to all state saving {$920.00} INSURANCE & TAXES FOR XXXX TOTALED {$3300.00} NOT {$4800.00} INSURANCE & TAXES FOR XXXX TOTALED {$3200.00} NOT {$4100.00} I contacted SPS for 26 months and requested a new escrow analysis in XX/XX/XXXX to include the NEW INSURANCE PREMIUM!!!! SPS refused to update my insurance policy information and ran the Escrow analysis with the OLD/INCORRECT numbers! Therefore, it is unknown what the monthly payment should have been from the start. for unknown reasons and to this day they still REFUSE to update policy information! 

I am having a hard time understanding why SPS refuses to acknowledge the updated insurance premiums in XXXX and XXXX. If the policy information was updated reflecting the TRUE policy amounts there would not be an ESCROW shortage! 

The Enclosed documents sum everything up!!!! THE POLICY INFORMATION WAS NEVER UPDATED!!
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 with my written instructions.
Consumer complaint received 2020-12-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.