davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-22
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. (OH)

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs. 
2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

There are inaccurate names and addresses listed on my credit reports that I have never lived at or may belong to a relative. 

My correct name is XXXX XXXX. Please delete XXXX XXXX and XXXX XXXX. 

My correct address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2021-08-21
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. (NY)

On or around XX/XX/2021 when signing up for timeshare as a single individual there was no credit pulled or stated due to property was being taken over at the same rate and amount that was owned by the original owner. Three months later I noticed westgate being report without my written consent
Consumer complaint received 2024-10-11
Product: Credit reporting 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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 

I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The three credit reporting bureaus ( XXXX, XXXX, and TransUnion ) require me to mail highly personal documents such as a copy of a Social Security card, birth certificate, and driver 's license in order to place a freeze on my daughter 's credit reports. I can place a freeze online for myself, but for some reason they make it more difficult and significantly less secure for me to do it for her. I'm worried about something happening to the documents as they cross the country. It's very insecure to have to mail these documents. I thought they were required to allow me to do it by phone or online. Is this not the case?
Consumer complaint received 2022-07-28
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. (TX)

I have been having issues with credit reporting agencies. All three have been providing problems for me but Transunion is the worst. I have called at least 3 times during each week for the past 3 months. I have even gone to great lengths and explained to the credit reporting agencies about my right under the Fair Credit Reporting Act and all the do is ignore me. Each time I call in I am giving different information and bounced around to someone who says they are the manage but for some reason sounds like the same person I was original speaking with. I was advised to send in documentation and a letter of why the XXXX  XXXX Bankruptcy and an account through XXXX XXXX  should be removed. The XXXX  XXXX Bankruptcy has been met and removed from public files and the XXXX Account was in the bankruptcy which also should be removed. I provided them documentation they come back and stated they have to dispute account. After the dispute is completed they tell me that account was verified which in reality was not because the company I spoke with supplied me a letter to provide the agency that account should be removed. This has caused me so much anxiety and stress to where I have not been able to focus on everyday life. What has made it harder is the language barrier when I call in because I am unable to understand what the representative is talking about. I am not sure if they are from another country but when I try to have conversations it makes it very hard to explain myself.
Consumer complaint received 2019-09-13
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. (MO)

The following account was obviously opened up fraudulently because it is not mines nor do I have a contract with the following company, ( 1 ) XXXX   {$550.00}, XXXX {$550.00}, please remove from my credit file
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/XXXX of 2019 a transaction was made using an American Express serve card to make an online XXXX transaction I filed a cfpb complaint on XXXX and American Express serve customer care both 334 months later which was passed the deadline for American Express to dispute it they told me that I needed to contact XXXX XXXX responded to the cfpb complaint saying they are the an improper company and that they can not reimburse me for a transaction paid for through XXXX with an American Express card somebody's got to reimburse me I don't know who but somebody's got to reimburse me. Refer to cfpb case number XXXX complaint on XXXX and Amex serve. The serve statement for XX/XX/2019 shows a fraudulent charge of XXXX paid to a XXXX XXXX. Transaction Id number XXXX. I want require full reimbursement check mailed to me. At XXXX XXXX. XXXX XXXX in XXXX XXXX, Wisconsin XXXX
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (GA)

In response to my debt validation letter dated XX/XX/XXXX to Credit Corp Solutions INC they are not complying with the law 12 CFR Part 1006.42 which requires them to send required disclosures with their response. Their only response to me was a " Response to Dispute '' letter dated XX/XX/XXXX ( ATTACHED ) In my Debt Validation letter dated XX/XX/XXXX ( ATTACHED # 1 ) I requested for Credit Corp Solutions LLC to abide by the law and send the required disclosures.

I'm asking Credit Corp Solutions INC to abide by the law.
Consumer complaint received 2021-10-16
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: Experian Information Solutions Inc. (VA)

Thank you for your help in advance. I had a personal loan with XXXX XXXX. XXXX XXXX reported a late payment on XX/XX/XXXX. I submitted an online dispute to Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Experian Customer Service on XX/XX/XXXX reference case number XXXX. I uploaded a copy of my bank statement to Experian dispute center, report # XXXX to reflect payment was made on XX/XX/XXXX in the amount of {$97.00} along with a copy of my XXXX XXXX XXXX ; reporting my payments current. Experian did not update my credit report.
Consumer complaint received 2019-09-13
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: EQUIFAX, INC. (CO)

I have an on-line Equifax account ( XXXX XXXX   XXXX XXXX XXXX ) to freeze and temporarily unfreeze my credit report. I have a username, password and PIN #. This account did not work on XX/XX/2019, nor did it work on XX/XX/2019. The only way I can temporarily unfreeze my credit report is to call there telephone ( XXXX ). 

I use XXXX 's XXXX browser, which is very commonly used throughout our nation. One XX/XX/XXXX, Equifax told me their website for temporarily unfreeze things was down. I think their website is always down and broken. Try it yourself to see how it does not work. 

Temporarily unfreezing my Equifax credit report is beyone tedious. I have to answer a variety of detailed historical questions. Why bother to have an on-line account??? I think the company purposely makes things difficult to that people will be muscled into using their monthly protection services, instead of using free services that freeze and unfreeze a person 's credit report. The are probably purposely breaking the law.
Consumer complaint received 2020-05-15
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: AMERICAN EXPRESS COMPANY (VA)

Often time my credit card company overcharge or over bill my card and then continue to charge interest and American Express has the highest interest rate in the world on credit cards. During the last two billing cycle namely : XXXX-XX/XX/XXXX and XXXX-XX/XX/XXXX, there are some charges on the bill that i do not recognize and the detail charges does not add up to the total. After I have noticed this issue on the XX/XX/XXXX - XX/XX/XXXX bill, I have contacted American Express online using their chat. 

I would like to mention here that calling American Express is a big trap because, discussion from you first call will be lost during your second call. customers can not email them, but ironically they can email you, which is another trap. 

So, I use on line chat so that I can keep documentation. After receiving the XXXX-XXXX bill I contacted American Express and I explained that I have a billing issue on multiple charges and asked for a dispute number. The person gave me a dispute number which is " XXXX ''. 
I printed the statement from Amex site and sent the with an explanation asking why they are billing more than what is showing up on their site. I submitted some supporting documents as well. Then I received the XX/XX/XXXX- XX/XX/XXXX bill and noticed that no action has been taken on my previous correspondence. More surprisingly, all information was removed. So I again, submitted the documents pointing out the errors and explained why those are errors. Yesterday, ( XX/XX/20 ) I noticed that my 2nd submission was also removed. 
I contacted Amex on line and first I had chat with XXXX. XXXX seems very confused willingly or unwillingly. I asked him about the dispute I have submitted. He said that dispute number related to another dispute. He would not give me a dispute number. I asked him to email me the chat he then transferred me to XXXX. 
I can understand, due to Covid -19, companies are running business with support personnel who are unskilled and have very little knowledge of the business or lack of knowledge of the process. As a result we the customers are suffering. Any way XXXX is playing the same record. I asked him repeatedly that there are multiple errors on two bill but he is not a listened and repeats the text every time. So, I asked him to email me the transcript of our chat he told me that I have use their reference number and he can not email me. That is another trick to cheat consumers. If Amex can make erroneous charges on my credit card, they can change the whole conversation in favor of them. I do not trust them. Luckily, I have a tool and I was able to collect the text our conversation as attached. I am attaching all other proofs that I have submitted to Amex
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NJ)

Dear Sir : Reference is made to an incomplete investigation under number XXXX ; I am XXXX XXXX XXXX and I have been trying to get thousands of dollars back from Brokerage Accounts and Retail Accounts respectively under numbers XXXX and XXXX and XXXX : I am temporarily living in XXXX due to a family emergency and expect to get back early in XXXX : Please note, just received a letter signed by XXXX XXXX XXXX Vice President and Senior Counsel of Citibank Personal Wealth Management dismissing all claims by me against Citibank N.A. ; she has ignored that she has refused to produce evidence that at any time I authorized the erratic buying and selling of Securities making me lose thousands of dollars : no Margin Account agreement was ever produced. Those transactions which had been forwarded to MsXXXX XXXX were clearly documented. However she said in her letter of of XX/XX/XXXX that I have no claim.Also earlier in another investigation I called the CFPB attention to letters to Citibank Chief Executive Officer Mr. XXXX XXXX on XX/XX/XXXX as well as a letter to Executive Response Unit, Ms. XXXX on XX/XX/XXXX detailing fraudulent debits to my Retail Accounts respectively. How can they ignore so blatantly my claims and sweep-up under the rug? Its plain outrageous. 
I commend the work of each and everyone of you at the CFPB in helping Senior Citizens like me from being robbed : I am XXXX years old today and I am pennyless because of Citibank 's neglect. Today I have sent you via Certified Mail correspondence and I beg you to keep me abreast of any developments. Please feel free to contact me at my email : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX My phone numbers are : Cell ( XXXX ) XXXX Home : ( XXXX ) XXXX Thank you very much! Friday XX/XX/XXXX c/c XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : WFC Account Number : XXXX
Consumer complaint received 2021-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

We received a notice from a dept collection agent that we owed XXXX XXXX  approximately {$500.00}. We have not done business with XXXX in well over 15 years. In fact the last time we did do business with them, it was to sue them and we settled for about XXXX. I was in XXXX by a non-insured motorist in 2006 with no drivers license, no insurance, and driving a borrowed vehicle. I was almost paralyzed, my truck was totaled and I had to apply everything to my own insurance. XXXX immediately gave me the run around so we sued and eventually settled for XXXX. This bill from a collection agency is clearly way past any statute of limitations. This agency has clearly bought this bill hoping for some kind of resolve, but we NOT are recognizing this as a legitimate debt. 

We have sent them a letter and asked them to discontinue contacting us under the Federal Fair Debt Collection Practices Act under Section 1692C Title 15, they must discontinue contacting us, for debts that are clearly not legitimate, but they have not. We have received another letter from them clearly ignoring our request. 

We are therefore filling this formal complaint with the FTC.
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (NY)

This whole experience with this bank has been Horrible from the opening process with my deposit they never issued out my debit card as they told me then someone from their Customerr care dept calls me to say they forgot to issue one and they would overnight me one I received it but when I activated it and called they told me my account is closed this is such a weird process with the whole Account opening process why would they close my account after issuing my debit card I didnt even get to activate the card or start using my checking account I dont underdtand what happened and wish someone would tell me instead of hiding this from me
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX I am having issue with a freeze block on my credit that I did not request!! Please remove it at once. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX my SS is XX/XX/XXXX.I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX XXXX Experian, XXXXXXXX. I am in the process of buying a home and I need access to my files asap. This is a very frustrating.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX I am having issue with a freeze block on my credit that I did not request!! Please remove it at once. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX my SS is XX/XX/XXXX.I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX , XX/XX/XXXX, Equifax. I am in the process of buying a home and I need access to my files asap. This is a very frustrating.
Consumer complaint received 2019-11-02
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. (GA)

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2024-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

I moved from the state of Florida to New York. The NY DMV requires a letter of permission from Hyundai Capital of America ( aka Kia Finance ) and a copy of my title to register my vehicle. Hyundai Capital is refusing to send this information and is mandating that I wait 6-8 weeks for Florida to send them a paper title. This paper title is not required for me to register the vehicle. Since I moved out of Florida, the Florida DMV is suspending my vehicle registration, leaving me without a vehicle for 6-8 weeks as a result of Hyundai refusing to give me to permission to register and refusing to give me a copy of a document that states I am owner of the vehicle. 

I have gone through the process with other lenders who have sent this documents immediately. 

I have spoken to 3 agents, 2 managers and no one is able to help me beyond stating this " is policy. '' They advised me that they would escalate this to corporate but no one has contacted me. It has been 2 weeks with no resolution.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

Hello, We refinanced our home with XXXX XXXX XXXX XXXX, XXXX in XX/XX/XXXX. Our closing date was XX/XX/XXXX. We have an escrow account set up with XXXX XXXX XXXX XXXX, XXXX. Our loan is serviced by LoanCare LLC. 

Our School taxes for XXXX were due on XX/XX/XXXX. On XX/XX/XXXX I had contacted the XXXX XXXX XXXX Collector ( XXXX XXXX ) for a copy of our Tax Statement. That's when i found out that our School Taxes weren't paid and are now delinquent. I contacted LoanCare , LLC on XX/XX/XXXX and opened a case ( Ticket # XXXX ) with them. Since then I have contacted LoanCare , LLC multiple times via phone and secure message but as of XX/XX/XXXX our school taxes still haven't been paid. LoanCare , LLC disbursed a payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All 3 times the County returned the payment because the amount was incorrect. The penalty is increasing with every month that the school taxes aren't paid. 

Taxes Due as of XX/XX/XXXX : {$8500.00} Taxes Due as of XX/XX/XXXX ( including late fees and penalty ) : {$9800.00} If not paid by XX/XX/XXXX - taxes due will be {$9900.00} I want LoanCare , LLC to pay my taxes ASAP and only charge me the original amount {$8500.00}. The penalty, late fees and any other charges should be paid for by LoanCare , LLC because this was an error on their part. 

Please help me resolve this issue. 

XXXX, XXXX