davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Windham Professionals, Inc. (CT)

On XX/XX/2018 at XXXX EST I was contacted by a company that refused to declare their intent before attempting to collect information from me. 

There was no abusive or profane language, it was the only option I could select. 

When I was contacted by this company they told me the call is being recorded and declare their company name, but they refuse to 'mini Mirandize ' me and properly declare themselves as debt collectors or as my creditor. They then proceed to try and collect personal information, such as my date of birth, in order to verify my identity. 

I believe that this " deception through omission '' ( refusal to affirm or deny their intent to collect a debt ) BEFORE asking for personal information violates " 15 U.S.C. Section 1692e ( 10 ) & ( 11 ) ''
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened my XXXX checking account at the beginning of XX/XX/2018 with the promise of {$200.00} if I deposited {$1500.00} or more within 30 days and held a balance of at least {$1500.00} for 90 days thereafter. The {$200.00} was promised within 6-8 weeks after the conditions were met. 

On XX/XX/2018, as evidenced by my attached statement for XX/XX/2018, my balance reached {$1500.00} to satisfy the first condition of the promotional offer. 90 days from XX/XX/XXXX would be XX/XX/XXXX. 

My subsequent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements show that my balance never dropped below {$1500.00} by the time my statement in XX/XX/XXXX closed. It did, however, in mid-XX/XX/XXXX which what I think is causing the issue. 

After 8 weeks I inquired as to why I had not received the promotional offer yet. I was told by the representative, XXXX, that I did not meet the conditions for the bonus as my account balance dropped below {$1500.00} on XX/XX/XXXX. Turns out, he was just reading " XX/XX/XXXX '' as " XX/XX/XXXX '' and blamed it on the " small font. '' Convinced that I actually should have been awarded the bonus, he submitted a formal complaint to the marketing team and said I would be notified. 

Several weeks go by and silence from XXXX. I give them a call. The front line representative ( didn't get her name ) goes over what I was saying, and agrees that I should have been given the bonus. She then looks at my investigation and says that the marketing team denied my investigation request for the bonus. I ask why. She says that she couldn't tell because they " didn't take proper notes. '' She says that since it looked like my investigation should have been approved, she will try to get me the bonus, but she would have to submit an additional investigation, but she would personally reach out to me with whatever happens. 

Several weeks go by and silence. Since I can not seem to get a hold of someone who has both the ability to converse with me and make a decision in my investigation, I have been left with my only resort which is to follow through with a complaint.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

New Complaint : New FTC complaint Subject : Re-Dispute : Improper Use of Information To Whom It May Concern, I XXXX XXXX am writing to dispute the improper use of my information. The following accounts are not mine and have been included in my previous FTC complaint ( # XXXX ). I have no knowledge of these creditors, and I request that they be removed from my credit profile : XXXX. XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$300.00} - Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Balance : {$9200.00} - Status : Repossession. {$9200.00} past due as of XX/XX/XXXX. 

Additionally, the following accounts are fraudulent, submitted without my knowledge, and should be removed immediately : XXXX XXXX XXXX BanXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX These accounts have also been included in my FTC complaint ( # XXXX ). 

According to 15 USC 1681b - Permissible Purposes of Consumer Reports, these creditors do not have permission to report on my credit. I request that these items be removed promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-10
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)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern,  On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days  after signing the certified mail receipt you are holding. 
Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. )
Consumer complaint received 2018-10-10
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. (SC)

EQUIFAX CONF # XXXX REP : XXXX XXXX XXXX {$810.00} IS STILL REMAINING ON MY CREDIT FILE AND PER THE FTC REPORT NEEDS TO BE DELETED/REMOVED AND BLOCKED ALONG WITH LISTED UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, FXXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. **UNAUTHORIZED HARD INQUIRIES PER FTC REPORT TO BE DELETED/REMOVED & BLOCKED. THE ABOVE UNAUTHORIZED FINANCE ACCOUNT AND ABOVE LISTED UNAUTHORIZED HARD INQUIRIES STILL REMAIN ON MY EQUIFAX CREDIT FILE AND IS HURTING MY CREDIT. EQUIFAX PREVIOUSLY TRIED TO STALL ON THIS IN THE PAST AND NOW I ONLY FEEL COMFORTABLE WITH FILING A COMPLAINT AT THIS POINT TO ASSURE THAT THESE THINGS ARE DELETED WITHIN 5-7 DAYS PER THE FTC.
Consumer complaint received 2018-09-19
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. (AZ)

This complaint is in response to a phone call I had on XX/XX/2018 with a Transunion representative. I was told I do not have a right to request an itemization of the alleged debt or copy proof of an original consumer contract with my signature. 

According to the Fair Credit Reporting Act, 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 services could fax, mail or email in a fraudulent account.

Furthermore, Transunion has disingenuously marked my dispute status as open. The items I disputed are not being processed on your dispute website and your representative told me to investigate the matter myself. This is unacceptable I will seek damages in court of law should Transunion continue to take an adversarial approach to this matter.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) or a Itemization of the alleged debt you have on file. I am NOT asking for verification an old address which does not satisfy the method of verification as required under Section 611 ( a ) ( 7 ). 

It is at this time that I will point out that in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could not " parrot '' information from the creditors and collection agencies. 

It is your JOB to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the information XXXX   submitting to your company. Sending out a generic form through the XXXX   and telling the consumer go fetch a resolution from the original furnisher is unconscionable, and is not a reasonable investigation. 

Transunion 's failure to positively verify the account has hurt my ability to obtain credit.
Consumer complaint received 2018-01-27
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA (AZ)

Company ( PHEAA ) took over Federal Student loan from AES for default. I started to pay on the loan with first payment of {$3700.00} to catch up on late payments and afterwards I resumes paying a monthly payment of {$560.00} x 13 months. I was suppose to be offered a Rehabilitation program after making 9 consecutive monthly payments within 10 months period, but I never heard anything. 

The original loan amount from XXXX XXXX was around 33,000. In the process of using a consolation loan company and going thru financial hardship after XX/XX/2008 financial crisis, the amount was raised to over {$75000.00}. I attempted to resolve the difference in balance thru my lawyer, but I was never able to a resolution. No one from the collection companies we have dealt with were able to show original documents to prove the massive amount of interest charged. When I last attempted to fix my credit report, I was told by PHEAA that I am still in default, that I will always be, and no matter how monthly payments I make, the status of default will never be changed unless I pay the entire amount owed which is currently sitting at {$72000.00}. So far, for the past 18 months, I have paid {$11000.00}, which would equate to over {$8000.00} in interest and collection costs.
Consumer complaint received 2018-09-19
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: Wakpamni Lake Community Corporation (CA)

Confirmed with company that they are garnishing wages without a court order Confirmed they have received payments for the full amount owed - XX/XX/2018. 

Calling me after hours of XXXX and before XXXX
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I have been trying for nine months to drop the PMI that we have been paying, even going as far as ordering an appraisal. That appraisal came in at {$410000.00} and the loan amount is {$300000.00}. Ocwen would not drop PMI and insisted that we provide to them contractor reciepts for all work done, and if work was not done by a contractor it could not be considered for PMI cancellation, and PMI would not be because of the market value increase, only improvements to the home can count for PMI cancellation. 

I started this request on XX/XX/2018, by sending an email to Ocwen to cancel the PMI. I was denied, however, I had to place a phone call to inquire about my cancellation request, I was never formally contacted. After speaking with Ocwen I was told to include an appraisal in my formal request, so I ordered an appraisal and spent {$500.00} to do so, and included this in my request. I was again denied and told I was denied because I did not use a certified appraiser, to which I directed them to the last page that showed the appraiser was a Utah Certified appraiser, then I was told this won't work because Ocwen did not order it. I then asked for a refund, to which they offered.

Then I was told to mail in a check for {$110.00} to have my PMI cancellation considered, and told that I needed to provide contractor receipts because the only way my PMI would be canceled is from improvements that I added, not because of the market increase. I did most of the work myself and was told this would not count. So, I did not send in a check and have been exploring my options, and I am currently shopping around to refinance my home.
Consumer complaint received 2018-01-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I sent an email to Cash Central on XX/XX/XXXX stating I was revoking my authorization for them to debit any money out of my bank account. I received a confirmation email from on XX/XX/XXXX stating " My ACH has been revoked, and to disregard automated emails I received from them in regards to payments coming out of my account ''. On XX/XX/XXXX Cash Central debited {$55.00} out of my account which was not authorized by me and then on XX/XX/XXXX Cash Central debited {$480.00} out of my account again, which was not authorized by me. I sent them an email after the unauthorized debit on XX/XX/XXXX they claimed they would refund my money and did not instead they debited almost {$500.00} more dollars two weeks later. I have repeatedly sent them emails stating I want my money returned to my account and they have yet to do it. I am attaching to this complaint my emails I sent revoking my authorization and Cash Central 's emails stating it had been noted along with copies of the transactions they illegally did from my bank account.
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (UT)

I had a credit limit of {$3000.00} for years, citi increased to {$4500.00}, with out my know how, so as I see my bill due for $ 500ish dollars, and I'm thinking what is going on, I'm realizing they increased my credit, and billed me {$1500.00} in that process, citi is truly seeming like a huge scam, I'm about done with them : /.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I am concerned about the validity and accuracy of the account which is having a late payment status on my credit report. XXXX XXXX XXXX XXXX is an on time paid account and should not be reported as such. Given the fact that I send my payments before the due is unfair when you see this error on your credit report
Consumer complaint received 2018-10-10
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: Experian Information Solutions Inc. (MD)

I have a car loan with XXXX XXXX. The payments were set to auto pay XX/XX/2016 - until. After 18 months it stopped without my knowledge. XXXX failed to notify me by mail or phone and repossessed my vehicle. I paid late payments the very next day when I was finally notified after the repossession. I explained to them of their mistake ( WHICH THEY FAIL TO ADMIT ) and they still reported it to credit bureau and ruined 20 plus years of good credit. When trying to resolve with staff including supervisors some were extremely rude and not willing to resolve the issue. One even admitted they understand my point but still was unable to resolve. After filing complaint they continue to report this to credit bureaus. This is MAJOR BULLYING on their part as I only have a few resources to go up against them.
Consumer complaint received 2018-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I recently fax request for mortgage modification to Carrington Mortgage because my mortgage is delinquent. I was informed XX/XX/2018 by XXXX in Carrington Customer Service Dept. property foreclosure sale was put on hold and the modification request was under review. XXXX also stated the property foreclosure sale was put on hold. I called today XXXX to check the status of the modification request and was told the modification request was declined and my property would be sold at a property foreclosure sale XXXX. I have not received a declination letter for the modification request from Carrington, also was given the opportunity to appeal the modification declination.I didn't receive a letter from the foreclosure attorney or Carrington Mortgage stating the foreclosure date was Reset. I have not been given the 30 day notice prior to the property foreclosure sale as required per the Tennessee state law. I have resubmitted request for mortgage modification to Carrington with financials.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

For a very Long time I have tried to get equifax to stop reporting the wrong payment history and wrong status on two accounts that have been closed for more than a year now.

Equifax has failed to do the proper due sole hence in realizing the at I have my child and the two accounts in question have been paid and should be removed from my credit report imedialty just a ms the other credit companies have.
Consumer complaint received 2018-09-19
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX    ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX