davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

Our child attended XXXX XXXX XXXX XXXX XXXX. The center had a Covid outbreak and was forced to shutdown. We were still charged for a service we were unable to use as they were shut. We felt unsafe having our child return, as their Covid protocols were insufficient. We have tried disputing the amount directly with them, and have been ignored.
Consumer complaint received 2019-02-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I had a FICO score of XXXX. I have 2 credit cards, XXXX XXXX  and XXXX XXXX. I read on line with Experian credit agency that it is best to pay off my credit cards every month. I did print this info from Experian. Now in XX/XX/XXXX. I had a Fico score of XXXX. My credit card people sent to Experian a " snapshot '' of my credit card balance. I followed the rules of Experian that I read and paid off both of my credit cards, sometimes I make several payments to my credit cards to make a good credit score and to avoid finance charges. On XX/XX/XXXX. Experian notified me of a loss of 16 Fico points due to I had no balance on my cards. They subtracted 16 Fico points which dropped me down to XXXX. I called Experian customer service to explain to them that I have proof that I DID USE my credit cards. Experian was extremely rude and basically laughed at me. I called to XXXX XXXX to issue another " snapshot '' ( that`s what they called it ) on XX/XX/XXXX, of my account balance at that time which was {$130.00} to Experian. Experian REFUSED to give me back my lost 16 Fico points and now they taking revenge out on me cause I proved them wrong. Experian did an update again on XXXX and on XX/XX/XXXX and still refused to give me back my Fico points. I have read that Experian is NOT the best people to deal with in these situations. Also, Experian in my profile with them, it states " FEW ACCOUNTS PAID ON TIME ''. I have NEVER BEEN LATE ON ANY MY CREDIT CARDS OR ANY BILLS. I was turned down by 2 visa credit cards due to their errors which they refuse to fix. I asked them where can I get a copy of their " rules or laws '' stating how many Fico points to added when a good credit review. Right after I received these 2 credit card, I applied for 2 other VISA credit cards but were turned down due to Experian errors they put in my report. Now I have 4 inquires on my credit report and Experian has subtract Fico points from me back in XX/XX/XXXX, when I never got those 2 Visa credit card due to their fault. Thank you for any help to get this worked out.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (KS)

Citibank decided to close my account for no reason, and when I called on XXXX they told me they will mail me a check. I called on XXXX to see where they were in the process. The representative told me it wasnt closed yet. It has been about 30 days now, and I still haven't gotten a check.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc. (FL)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-02-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (ME)

I received a letter about debt from credit protection association l.p I  had already once told them I disputed the amount with original creditor. They said if I didnt set up an arrangement it would go to my credit an ruin it. Im on XXXX I explained just had a XXXX they would not budge and said 5 monthly payments of XXXX I said I cant afford this right now an I had the choice to refuse or ruin credit. I put XXXX down and my next payment was due XX/XX/XXXX I had credit card fraud and my card was closed completely forgetting about this I never got a letter nor was I 30 days late they sent it to the credit bureaus. I called them XX/XX/XXXX to ask them to remove this and I would pay in full they refused to help I said Id seek legal advice or help they then said your account is closed no contract and we are giving it back to the original creditors. I called back to speak to a supervisor stating if they would not work with me its not fair to have on my report where I cant fix it do to their refusal to speak or have anything further to do with this they kept speaking over me and hung up. I filed a complaint heres my confirmation with you guys XXXX
Consumer complaint received 2022-07-11
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX and 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
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

A collection agency called FCO claims that i owe XXXX to a property by the name of XXXX XXXXs. I had provided them with a sworn affidavit, police report, proof of address at the time of the claim and as well as utility bills from the actual address that was residing at the time and they still continue to say that the account its mine by just providing me with a fraudulent lease. I also explained to them that Ive been the victim of identity theft and the fact they could see my actual lease and records from the address that I was leaving at during the time of the claim and still they refused to remove it from credit and they continue to harass me on a daily basis. I had provided evidence, spoken to them over the phone numerous times but nothing seems to be resolved.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I went to XXXX dealer in XXXX with a approval letter from XXXX XXXXXXXX for auto financing. I let XXXX know that I had the approval letter and would like to see ma options with XXXX XXXXXXXX. They failed to do what i asked them and proceeded to run my credit with numerous banks resulting in inquiries on my credit report that I did not authorize. I've called some of the creditors listed on my inquiries. Some the number is not working and others since I have no account with them they told me I have to dispute the inquiry directly with the bureaus. These inquires are as fallows. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 These Inquiries where not authorized by me and would like them removed from my credit reports. Thank you
Consumer complaint received 2019-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I received a letter on XX/XX/XXXX stating my accounts were being closed with no explanation. The letter stated I had until XX/XX/XXXX to reconcile all banking activity. This left with 5 business days with the weekend and the holiday within that date range. On XX/XX/XXXX after inquiring about the situation via telephone I was informed that my account was frozen and I could not have access to my money. No transactions or automatic payments would be completed which I had intended to be resolved before the XX/XX/XXXX deadline. At that time I had an automatic debit in process for my mortgage and a loan payment due on the first of the month. I was not given an appropriate amount of time to insure these payments were secured. On that same day I was also denied access to my online account which stopped me from being able to view any transactions in process. I was not able to determine if payments of my loan had been processed. I also have a joint credit card with my daughter who is a college student in Florida. I inquired if that account was also targeted and was told there was no information relating to that being it was a separate entity. On XXXX my daughter was denied use of the card and on XXXX I received a letter stating the credit card account was also being shut down. I am completely appalled that a bank can have such unfair practice and control over my money without proper notification. Not allowing me access to my money seems unethical if not illegal. I was never given an explanation for these actions and was told it was not my right to know. I have been a customer for over thirty years and have never had any issues with any of my accounts. In conclusion I am asking for an investigation into this unfair practice. I would like to know that a bank can not take control of someones money without god cause or a reasonable amount of notification. I feel that a thirty day notice is a reasonable amount of time to reconcile or banking  transactions and it should be my right to refute any information used against me to cause my accounts to be closed.
Consumer complaint received 2021-02-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Loan Number : XXXX XXXX XXXX XXXX Attn : Customer Service Research XXXXXXXX XXXX XXXX XXXX, Texas XXXX RE : Notice of Error for Outstanding Mortgage Balance for XXXX XXXX XXXX # XXXX Dear XXXX XXXX Customer Service Research : XXXX XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but XXXX XXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. 

XXXX XXXX has ignored this Notice of Error caused by them since 2015. 

Because XXXX XXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. 

XXXX XXXX has caused my credit score to decline from XXXX to now XXXX ( Transunion ) and XXXX ( XXXX  ). 

XXXX XXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. 

OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ).

XXXX XXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. 

Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. 

Duplicate tax and insurance payments were made by XXXX XXXX from 2015 to present ( for which they were refunded ). 

Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). 
Tax payments refunded to XXXXXXXX XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, XXXX XXXX must correct this error or XXXX XXXX will contact New York State Department of Financial Services at www.dfs.ny.gov and at XXXX. 

As required by law, XXXX XXXX must provide a written respond to this Notice of Error within 30 days. 

All taxes and insurance has been paid by XXXX XXXX since the loan inception. 

XXXX XXXX has been refunded for all taxes that it has paid in duplicate since 2015. XXXX XXXX has never made insurance payment for Loan # XXXX. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I am in Mississippi. I had a Credit card with XXXX XXXX and it got closed because I could not pay and had gotten the balance over the {$300.00} credit limit to {$700.00}. They ended up turning the account over to Portfolio Recovery and a different person from Portfolio recovery calls and usually they won't listen when you tell them you can't talk, they will call multiple times a week and even on Sunday which in Mississippi is against the DNC laws. Also, they have wanted to take my SSI check and said they have taken SSI checks in the past to cover debts which is illegal for these types of debts, and have checked with my law firm on this. It is always a different number and they do not care if they break the law as long as they collect. Some of the agents are threatening and rude while others are polite. I have even told them to stop calling. They even call after XXXX.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (AL)

This is a response for a complaint ( that was submitted XX/XX/2022 ). In regards to complaint number XXXX. PNC closed my account on XX/XX/XXXX after I was insulted for my XXXX orientation by a XXXX XXXX ( supervisor at there corporate location ). She was coy in saying it was " good for people like me '' to be " empowered because of services like The CFPB to report improprieties. So I simply told her that she had no value in life and she probably slept around to get her position ... ..Well a few days later my account was deactivated and I was sent correspondence telling me that the rest of my funds would be sent no later than XX/XX/XXXX. As of XX/XX/2022 I still haven't received the remainder of my funds. I believe I had {$220.00} left over at the time of closing.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I received a copy of my Employment Data Report from The Work Number ( Equifax company ). I found out that someone in the Human Resources department of XXXX XXXX Hospital, my previous employer, pulled my employment record on XX/XX/XXXX. I did not give anyone permission during that time to pull my employment record, and I did not complete an Authorization to Verify form. 

On XX/XX/XXXX, I contacted The Work Number and asked why my employment record was given to XXXX XXXX Hospital. They said that I would have to file a dispute. I filed a dispute that day ( ticket # XXXX ). I also sent an email to XXXX XXXX, Director of Human Resources at XXXX XXXX XXXX ( and cc 'd XXXX XXXX, the Vice President ) requesting information as to why my record was pulled by her department. She wrote back that same day but said she doesn't give out information. She misunderstood or did not read my email properly. I reply by reiterating my question. She never responded. I sent an email on XX/XX/XXXX, and on XX/XX/XXXX, asking her to please look into the matter and give me a status update as to who pulled my report and for what reason. To date, I haven't gotten a response. 

On XX/XX/XXXX, and XX/XX/XXXX, I reached out to The Work Number to get a status update on my dispute. I received no help and was only told to wait. 

XX/XX/XXXX, I received a letter from The Work Number not addressing my concern, but just stating that XXXX XXXX requested my employment record on XX/XX/XXXX, for Employment purposes. 

The Work Number gave my employment record to XXXX XXXX without written consent.
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates is trying to collect debts in which they are not licensed in my state nor hold a certificate of authority for my state of Georgia. 

XX/XX/2020 XXXX Dispute XX/XX/2020 XXXX Dispute XX/XX/2020 XXXX Dispute They continuously harasses me.
Consumer complaint received 2022-06-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (IL)

I have a business credit card I have for my business XXXX XXXX XXXX. My business is in control of the account and responsible and its al under the business credit and tax ID. American Express in house XXXX XXXX  XXXX XXXX @ XXXX. They contacted an old employee that had a company card as a user and not administrator authority and was very abusive to XXXX XXXX who no longer is even a credit card user for the company. They were very rude to XXXX and released private info to her about balance owed and even tried getting her to pay the balance due! They gave a 3rd party private info about XXXX XXXX XXXX financials and issues and tried collecting money from somebody whom is not a responsible party or involved with the company in that way. This is a very serious matter and needs to be dealt with as I now have a 3rd party person aware of my companies personal financial situation! They need to be held responsible for this release of private info. They record there calls so this all can be proved with review of this call.
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Dear CPBC Abuse of MIDLAND CREDIT MANAGEMENT. 

I called MIDLAND CREDIT MANAGEMENT ON XX/XX/2019 to inquire about the negative they placed on my consumer file. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting service could mail in fraudulent accounts. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) that have on file on the account listed below.

{$1100.00}.

During my call, the phone was transferred to a staff of MIDLAND CREDIT MANAGEMENT named XXXX, and in the course of our conversation while I was making inquiring she called me a an XXXX '' and told me to send her a copy of my social security, and for asking too many questions and hung the phone one me. The time of the conversation was CST at XXXX. I want the verbal abuse to be investigated. 
According to the Consumer Protection afforded by FDCPA section 806. Collection agency are liable to a fine of {$1000.00} if they use any kind of harassment or abuse. MIDLAND CREDIT MANAGEMENT have abused me.

MIDLAND CREDIT MANAGEMENT has not been able to show any foundation or establish authenticity or accuracy of a piece of evidence that I owe MIDLAND CREDIT MANAGEMENT. I therefore demand a thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau. or have any contractual obligation to pay them.

I therefore demand an thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau.
Consumer complaint received 2019-02-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (OR)

On or about XX/XX/XXXX, I acquired a loan from the above-referenced company. All my payments have been made on time. 

On XX/XX/XXXX, I emailed the company to inquire what my payoff was. I received the following email from them : " Dear XXXX, Thank you for your email. 
Please be advised that Blue Trust Loans is unable to do same day debit transactions. Your loan balance for the earliest available pay off date, XX/XX/XXXX, is {$900.00}. Please call before 4 PM EST today if you would like to have the balance be debited on XX/XX/XXXX. '' I did not pay off my loan at that time. 

On XX/XX/XXXX, I emailed the company to see what my current payoff would be. I received the following email : " Dear XXXX, Thank you for your email. Kindly note the amount you quoted below does not include the interest accumulated up until XX/XX/XXXX. As shown in the payment schedule {$800.00} is the ending principal after the payment is made on XX/XX/XXXX. 
Your loan balance on XX/XX/XXXX is {$1000.00} which includes {$800.00} as Principal and {$210.00} as Interest for the entire period. '' It would appear that my payoff amount was lower in XXXX than it is in XXXX, despite having made all my payments on time. 
This seems like a scam.
Consumer complaint received 2022-08-15
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$48.00} ; XXXX XXXX Balance : {$97.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX