davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-16
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. (FL)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax XXXX and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX  an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax, XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

This is a complaint on CiTi card. I have two accounts that I have and citi decided to lower my available credit to the same amount as what I am owing! By doing this this hurt my credit score by almost 20 points. Customer service was terrible as to why this happened! He said because I was not making payments! Flat out lie as I have never missed a payment! Customer service sent in another request to see if they can reverse it and yet again they ran my credit! This again hit my credit score! THIS IS UNACCEPTABLE THAT THEY ARE DOING THIS! Why would they do this if Im a loyal paying customer and ruined my credit score!
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC. (AL)

I expressed to you that I did not want to be contacted by you anymore. You have since called me twice and emailed me four times. According to, 15 U.S. Code 1692c - Communication in connection with debt collection, you are not authorized by law to continue any communication after I ask you to stop. you are not authorized to send any information to anyone about any transactions or experiences. Since, I see this in my consumer report from XXXX, XXXX, and XXXX, this is an error so would you be so kind to delete this account from my report. Also, under 15 U.S. Code 1692b - Acquisition of location information, when you called me a few days ago, your agent did not tell me who he was, he just repeating can I speak to XXXX XXXX. 
15 U.S. Code 1692d - Harassment or abuse, the agent called and after I said hello twice he hung up and called right back. He never once stated he was on a recorded line or state his name. He harassed me by repeating my name over and over and never saying his name or why he was calling. After being irritated with him during the time he called me during my sleep, he said his name is XXXX then he hung up on me because he didnt want to talk anymore. I called back and the next agent did tell me her name and that we were on a recorded line, I told her to take my number off the call list and stop contacting me because I only deal with people who are respectful and have common sense. 
15 U.S. Code 1691 - Scope of prohibition You can not charge me a high interest because of whats in my credit report. Also, you can not do it because of the color of my skin as this is discrimination. 
Please delete this account from my consumer report and clear the account from me owing anything else thanks! 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; You are reporting Transactions and Experiences and also, I did not give you permission to report this account on my consumer report.
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I was scammed by someone on XXXX  I had a gut feeling something was going to happened and in the middle of it I kept saying how I was uncomfortable I was with it but they kept reassuring that it was ok after I sent them the money ( XXXX ) I told them to leave me alone and not to ask me for anything I thought I was going to be ok well flash forward to Monday XX/XX/2020 I get a notification from my bank saying some money was deducted I thought well it was probably from stuff I had bought from the day before but once I checked it I was negative XXXX my heart dropped and I wanted to cry my eyes out I immediately called my bank ( bank of America ) and they said they couldnt help I had to contact the person that I sent the money to well that person obviously had already blocked me by that point Im upset with myself for being this trustful especially when I have a 10 month to think about Im just absolutely gutted and keep beating myself up
Consumer complaint received 2023-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

I declare under penalty of perjury ( im in the law of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful miss statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these miss statements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-Use my personal identifier information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC!
Consumer complaint received 2023-01-09
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

I made an order from the XXXX place lasXXXX XXXX XXXX  that was stolen from my front porch and captured by my ring door bell. I submitted a request for a dispute on the charges to the XXXX place XXXX XXXX  The company was to notify Comenity Capital bank of the dispute. I have spoken many times to reps and supervisors at the bank who are very rude and condescending. I can not get my point across to them that they are billing for merchandise I never received. They send me in a vicious cycle back and forth between the bank and XXXX XXXX with no resolution. I really need your assistance at this point before I suffer a XXXX from the stress and my XXXX XXXX XXXX. I am a XXXX XXXX XXXX senior citizen caught in the middle, thank you!!
Consumer complaint received 2020-06-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC (GA)

The company 1st Associstes dba Vervent claims that I have a student loan with them. Ive never received a degree or attended courses during that time. Ive tried reaching out to the company who was never responsive. When I did I was told Id receive a fraud packet through email and mail. Ive never received it and called to make the company aware. I was told by a clerk the company sent it off through email and refused to help me further. Ive tried researching the company online to find out that they have done bad business in the past by distributing loans to several individuals that were not cleared on the terms. Any outstanding loans were to be removed. The company regardless shouldve removed the incorrect data years ago and that never happened. I have since been tricked into verifying my email address and personal information for the company to send me info. Instead the company discriminated against me to false claims. The company alluded my personal information and lied saying they would send me over fraud packets. I want the company shut down after my lawsuit is over. Nothing was resolved and I feel very much harassed by this horrible company 1st Associates Dba Vervent.
Consumer complaint received 2020-06-25
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. (MD)

I am in receipt of my Experian Credit report # XXXX, dated XX/XX/2020, and noticed inaccurate information more specifically addresses I had disputed with both Experian and the CFPB in form of formal complaints at least 25 or more times in the past 10 years had been reinserted back onto my credit report. According to the FCRA any disputed information removed from consumers credit reports can not be reinserted without prior notification from the credit reporting agencies. My current address as listed with every single creditor is XXXX XXXX, XXXX, MD XXXX. XXXX removed this address as my current address listed as former address. Experian refused to disclose who authorized the change or which creditor is reporting the wrong addresses. Under the FCRA the consumer is entitled to sources of which creditor/lender is supplying inaccurate information and afforded the opportunity to dispute the inaccurate information directly with creditor/lender. According to Experian they can not verify who changed the address or any lender currently reporting the incorrected address then continued to refused and remove the inaccurate information from the consumers credit report in direct violation of the FCRA.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MN)

Equifax please remove this account XXXX from my credit file discover is still in violation for failure to enter who has the account see there statement below the law is very very clear! I dont care if you received it back from there or stick it up your rear end you are still in violation and you need to remove this from all four reporting agencies seriously the law is very very clear. 

Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re :  XXXX XXXX ending in XXXX Consumer Financial Protection Bureau Case Number : XXXX, XXXX, XXXX, XXXX and XXXX Dear XXXX XXXX : We are in receipt of recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the Executive Office of Customer Advocacy at XXXX. We appreciate you bringing your concerns to our attention. Our records reflect that your account was previously placed with XXXX XXXX XXXX, for further collection attempts on our behalf. We note that you included a letter dated XX/XX/XXXX from XXXX XXXX XXXX  within your CFPB correspondence, indicating that the account was returned back to XXXX. We have contacted XXXX XXXX XXXX  and have confirmed that the account was still placed with them ; however, it will be recalled and placed back with XXXX, as of the date of this letter. Please contact XXXX at XXXX if you would like to discuss repayment. Our records indicate that a Cease and Desist was placed on your account on XX/XX/XXXX per your request. We have confirmed that your account is reporting accurately to the credit reporting agencies. We are unable to honor you request to remove the tradeline as it is an accurate representation of what occurred. We are required to report accurate information to the credit reporting agencies. The credit reporting agencies we report to are : XXXX XXXX Equifax XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX GA XXXX XXXX TX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Additionally, regarding your concerns of the dispute flag reporting for the above referenced account ; we have responded several times previously and our position remains unchanged. When updates are sent to the credit reporting agencies, the information shown is the most current information updated. In this instance, the latest dispute flag is updated and does not reflect the initial dispute flag previously reported for your account. Please understand that this matter is final and we may not respond in the future, regarding this matter. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX to XXXX XXXX, ET. Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : CFPB
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

In XXXX of XXXX I was awarded a property though probate in XXXX county Fl. I contacted bayview loan servicing and sent them the documents by email and fax. Three weeks later I called to try and get the property refinanced and was told they could not speak to me regarding this property because I was not on the loan. I explained to them that I sent in the document sign by the judge. At that time they said they would review the documents. This went on for over a year. I sent the same documents over 5 times to them with the same response could not talk to me. In XXXX of XXXX I got a letter and call from bayview saying I was verified and they could speak to me now and I could make changes to the account. Between XXXX of XXXX and XXXX of XXXX the home has went to foreclosure and has assumed over 30,000 in fees and interest that I should not have had to pay. What Im asking is according to law I have read they were supposed to work with me and I was to be able to assume the mortgage in XXXX of XXXX after the probate was awarded to me. Since they did not I dont think I should be responsible for all the interest and fees and foreclosure costs that the property has now.
Consumer complaint received 2019-04-09
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. (CA)

I receive a XXXX, XXXX and Transunion credit report on XXXX XXXX and Derogatory Remarks of 30-59-60-90 days late and deliquency of XXXX XXXX XXXX auto loan # XXXX And unauthorized Hard Inquiries hasn't been removed permanently from XXXX, XXXX and Transunion.. 
I have only four tradeline accounts of XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX that are active with XXXX, but accounts mentioned are not been displayed on Transunion and XXXX. 
Why XXXX, XXXX  and Transunion not displaying Current on XXXX account as all accounts are Current. 

A Legal letter has been implemented for XXXX, XXXX, Transunion and XXXX to remove the derogatory remarks and all unauthorized hard inquiries on my credit report.
Consumer complaint received 2022-06-14
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: Early Warning Services, LLC (TX)

XXXX XXXX XXXX accused me of fraud and reported me to Early Warning in XX/XX/2020. I submitted a complaint to Early Warning advising the report was erroneous. On XX/XX/2020 I received a letter that Early Warning blocked the fraud being reported due to identity theft. On XX/XX/2020, Early Warning rescinded their findings and put the fraud back on my report advising that XXXX determined the fraud was correct. On XX/XX/2020 Early Warning applied the block and then XX/XX/2020 rescinded the block. I submitted reports to Early Warning and a letter from my attorney advising this was indeed identity theft but Early Warning is refusing to acknowledge my police reports, attorney letter, the complaint I sent to the Texas Attorney Generals office, and the letter I provided from XXXX indicating there was no fraud committed by me. Early Warning is unfairly penalizing me for something I didnt do. Ive keep all correspondence if more information is needed.
Consumer complaint received 2020-06-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (CA)

My mortgage loan was transferred to new mortgage service in XX/XX/XXXX. The new mortgage servicer sent my documents to other 3rd parties but not to me. They refuse to communicate verbally and will not mail me my monthly mortgage notes to my home address. However they do send me unrequest home appraisals and charge me for them as well. 

In addition, their disputed owed amount is erroneous. It was erroneously claimed by previous the previous FIVE ( 5 ) servicers. I am disputing these maliciously erroneously claimed amount with previous service-rs in the courts. 

However, until this matter is cleared, this NEW COMPANY 's  malicious and fallacious claims are ruining my credit, and the opportunity to get away from a usurious interest-only loan acquired in the XXXX to XXXX home financial crisis. 

I am paying an interest rate of 6.125 % and it will climb to 6.75 % in the next 2 years. I can not afford to continue to trow hundreds of thousand of dollars, for the next 30 years, just because they claim it to be so! 

Since XXXX of XXXX thru XX/XX/XXXX, I have paid in excess of {>= $1,000,000} dollars in pure interest because they purposely muddled my payment history in order to force me into foreclosure. 

I beg you, please review my document package, it list every cashed check from XX/XX/XXXX, to XX/XX/XXXX. Every one has been cashed by their respective holders withing a 30 day period of their receipt. 

I would welcome a little bit of justice, just enough to stop being ripped to shred 's by the viscous predators that this industry have become. 

Thank you.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

It is unacceptable that since XXXX I have been unable to log into my online account with Equifax. I am trying to access my free annual report. Also, I need to dispute a credit account that was impacted by COVID-19 which has affected my credit score. I have sent their support department numerous emails to no avail. I have attached proof of these emails to this complaint. Not only was I affected by their data breach last year, I can not access my credit file. Thank you for your assistance.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

On XX/XX/2020 I called to inquire about the promotional period on the credit card. I was informed that the promotional period was to expire on XX/XX/2020 ; I would have sworn it was for 18 months. Anyway with Covid my business has taken a hit so I entered into their Covid relief program. No payment for two months ; and I was told that the promotion that I was currently under would also be extended. I spoke to two different people that day and asked several times to make sure that it also extended the promotion of zero percent interest. I received my XXXX bill and it had interest on it so I called, explained the situation and he reversed the interest fee. Never did he tell me that it was a one time courtesy. I received my XXXX bill and again there was interest. I called today explaining the same thing and they were very rude and no way they would remove the interest because it didn't extent the promotional terms. I did a little research and this is what was on XXXX : What relief can I get? 
Citi puts it this way : We will waive late fees and the requirement to make the minimum payment due shown on your billing statement for two consecutive billing periods, starting with any minimum payment that is currently due but not yet paid. 
This issuer also notes that during the payment assistance period, the amount due on promotional plan balances will also be deferred for two billing periods and the promotional period will be extended. This could be useful if you're currently using Citi Flex Pay to pay off a larger purchase in fixed monthly amounts, for example. 
Cards may be ineligible for relief if they're already in an active hardship or forbearance program or if they're already more than 60 days past due, the issuer notes on its website. I spoke to four different people with zero help. When you call CITI it tells you that you are being recorded so I even asked that they please listen to their recording to find what I was told and it was dismissed. I would never recommend CITI Card to anyone.