davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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. (VA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX VA XXXX XXXX ) XXXX Balance : {$8500.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX VA XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00}
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ORIGINAL 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I am writing this COMPLAINT on the following accounts : XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

My loan was sold from XXXX XXXX company to NewRez about 1-2 months ago. I was set up for automatic payments with XXXX, which was set up automatically with NewRez. We closed on our property ( which is a new build condo ) last year in XX/XX/XXXX. XXXX XXXX   had all of my correct property tax information, and they had me set up with a mortgage payment of {$2200.00} which included principal with taxes & insurance escrowed. The total taxes on the home are {$1800.00} per year. I still don't know exactly how, but NewRez received property tax info that stated my homes property taxes were a little over {$36000.00} per year. After I had made 2 regular mortgage payments of {$2200.00}, they updated my online info to reflect the $ XXXX property tax bill ( without notifying me ), so my new mortgage payment came out to {$9000.00} to account for the $ XXXX required to pay the incorrect tax bill. I only noticed the new payment amount when I logged in to my NewRez online account on XX/XX/19. I noticed the new payment amount, and contacted NewRez right away. They gave me the information I needed, which was to contact the city and get the correct tax bill, which I did, and sent to them that same day on XX/XX/19. I logged in to my NewRez online account today, and see they have made a payment on my account for the {$9000.00}. I called them to see why they haven't adjusted it, and all she could tell me was that she saw I had submitted my property tax bill on XX/XX/19, and wasn't sure why it wasn't adjusted. That she would submit a new request today for a new escrow analysis, and that is all she can do for me. So now I am waiting for a response from NewRez, which she said I should receive in 24-48 hours. 

I'm submitting this complaint, because as a consumer, this isn't fair. My loan was sold without my consent, and the new mortgage company implemented a new payment that reflected a {$36000.00} tax bill when in fact it is only 1/20th that amount. I've been making all of my payments on time, didn't change anything on my end, and all of a sudden they're automatically taking a $ XXXX payment from me on a mortgage that should only be {$2200.00}. I'm also concerned for other consumers that may be getting increased escrow payments, even minimal increases, and go ahead and accept them not knowing it could be incorrect.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

When they first reached out to me on this issue, I advised them that I am at work until XXXX and would like to receive calls after XXXX or on the weekends if that is possible. They stated that they understood and notated on my account. I am now receiving multiple calls from this company on a daily basis. For the month of XX/XX/2019, I have received the following calls XX/XX/XXXX- called 4 times : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX- called 2 times : XXXX XXXX, XXXX XXXX XX/XX/XXXX- called 1 time : XXXX XXXX XX/XX/XXXX- called 2 times : XXXX, XXXX XXXX XX/XX/XXXX- called 3 times : XXXX, XXXX XXXX, XXXX There have been times when I am able to answer the calls during the day, but they dont respond and then the line disconnects. I acknowledge responsibility for this balance, I have spoken with this creditor on several occasions in regards to a payment plans which I can accommodate with my income.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Did a deposit XXXX  XX/XX/XXXX. at XXXX at ATM Citibank branch in XXXX XXXX XXXX XXXX Florida XXXX Because branch was closed I did the deposit for a total of {$9500.00} USD with this brake down - Deposit of {$7500.00} USD with XXXX bills of {$100.00} USD but the ATM only counted XXXX, when I noticed the mistake I cancel the operation in order to get the bill backs but money was not back. So I decided to continue with the deposit of XXXX bills of {$20.00} USD for a total of {$2000.00} USD this was ok. 
Also deposit 3 checks that were ok. ( for aprox XXXX USD ) When notice the mistake I waited at the branch to be open, thinking that they will check the ATM and find out that ATM did not count the XXXX bills of {$100.00} USD. but was told that need to report this claim over the phone. I did it sent the information requested ( copy of the deposit, letter with all the story ) I have received 2 letters from bank telling me that " can not verify deposit '' and need to send information again. So after 15 days, 3 letters to Citibank to different cities ( do not understand why different places ) with all information requested, 6 calls nobody can answer me.

Citibank for SURE can verify that money should have been inside the ATM at the time of making the cut at night or next days. IF they audit this specific ATM ( they have the ATM # ) will find the discrepancy in the ATM. 
Please to the people that would like to make a deposit thru an ATM try not to do it with a big amount, because bank just " wash their hands ''
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$820.00}, {$0.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. 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 ) -- CLOSED ACCOUNTS XXXX. XXXX  XXXX XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

XXXX. XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-04-09
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. (FL)

I have tried to contact Transunion to regarding this issue : I would like to contest and challenge an item on my credit report. My bankruptcy entry through the credit bureaus has caused much damage to my credit and failed to cover items that were listed in it, including XXXX, XXXX XXXX / XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX, as marks against my credit. 
I hired XXXX XXXX to have these items challenged on XX/XX/XXXX. I had to challenge XXXX XXXX twice and it has finally been removed using XXXX XXXX to dispute it. The bankruptcy was not and has not been reported correctly and there were flaws in the process of creating it to protect me from said creditors. Please remove the bankruptcy from my credit report as it has adversely affected my credit by not reporting items it should have contained. 
Please reference Part A. Secured Debts ( Section 3 - Debts ) for entries For XXXX XXXX XXXX XXXX, ( Part B. Credit Cards ) for XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX reference # for the Bankruptcy is XXXX, Reported on XXXX, XXXX, XXXX. 
If you have any questions, please do not hesitate to contact me.
Consumer complaint received 2023-03-16
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)

On XX/XX/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 OPM data breach as well as XXXX '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, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-03
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. (IL)

XXXX  ; Experian and XXXX  should not be reporting lates in XXXX and XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have  contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-09-11
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. (MI)

Treatment of inaccurate or unverified viable information. 

( A ) In general if after every investigation under paragraph ( 1 ) Of any information disputed by consumer or item of the information is found to be in accurate or incomplete or can not be verified the consumer reporting agency shall, 1. Probably 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 and 2. Promptly notify the furniture of that information of the information has been modified or deleted from the consumers file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX To whom it may concern, I just got my credit report and its wrong I was informed I have the right to have a investigation done. Credit reporting Laws ensure that bureaus report only 100 % credit accurate Every step is taken to assure that the information reported is completely accurate and correct. The following information, Therefore, needs to be reinvestigated please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : - Payoff Disclosure - Interest Rate Disclosure - Balance History - Payment History - Credit Insurance Validate Accounts : 1. XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 2. XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 3. XXXX XXXX ACCOUNT : : XXXX, XXXX, XXXX THIS CONTRACT IS CANCELLED 4. XXXX XXXX XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELLED 5XXXX XXXX XXXX  ACCOUNT : XXXX THIS CONTRACT IS CANCELED 6. XXXX XXXX XXXX ACCOUNT : XXXX THIS CONTRACT IS CANCELED XXXX. XXXX XXXX ACCOUNT XXXX THIS CONTRACT DOENSY BELONG TO ME I respectfully ask you to provide some kind of proof of these alleged items specifically the contracts notes or other instrument bearing my signature. 

Additionally please provide name, address, and phone number of each credit grantor other subscriber. 

I also heard under federal law you have 30 days to complete your reinvestigation be advised that the description of the procedure used to determine accuracy and completeness of the information is here by requested as well to be provided within 15 days of the completion of your reinvestigation. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (OH)

I sent transworld system this document ceritfied mail and XXXX did not send the requested documents asked for in the validation request I mailed. Transworld system sent me a document that was typed out on a plain piece of paper with their logo on the top. Anyone create anything from a plain piece of paper. The response transworld system sent to CFPB is bogus! I know my rights as a consumer! Transworld system is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. 
Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Document evidencing your company has the right to collect the alleged debt. 
The total debt balance with an explanation of all interest and fees. 
Date the debt became delinquent and/or the date of the last payment. 
The name and address of the creditor and the creditors account number associated with the debt. 
The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. 
The names and addresses of all persons or entities other than your company to which the debt was assigned. 
Send me proof that you are licensed to collect debt in my state. 

Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 

Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. 

FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! 

Remove this immediately from all three credit reporting agencies for transworld system has violated FCRA laws!
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (KY)

Approximately three years ago, XXXX XXXX in XXXX KY treated me for XXXX  pain. They subsequently sent me an erroneous bill because they used improper coding and date documentation according to my insurance company. I made multiple attempts to inform both my insurance company and this provider my insurance status. 

The billing staff at the provider did not cooperate such that my insurance company would pay the amount due. I do not owe the stated amount and in fact was not treated on the dates shown by them. 

I wrote to GLA collections on XX/XX/2019 and subsequently spoke to a collections agent about the situation. They have refused to consider my side of the story. 

XXXX has also failed to consider my multiple error reports or even contact me to inquire about the material facts in this case.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX 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 2022-09-11
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: Experian Information Solutions Inc. (TX)

accordance with the fair credit reporting act XXXX  Account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.