davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/2022, 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NY)

CitiBank sent me an email on XX/XX/XXXX stated that my CitiBank checking and saving account will be closed. Since then, I can not access my accounts anymore. There's still around {$16000.00} remaining balance in the account, and I called CitiBank on XX/XX/XXXX and their back office responded that the remaining fund will be sent via a mail check to me. 
Until today ( XX/XX/XXXX ), I still have not received the check. In XXXX, and XX/XX/XXXX, I went to the Branch several times ( located in XXXX XXXX XXXX, XXXX XXXX NY XXXX, and XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX ), and each time the banker can not find my fund no matter via their system or by contacting CITI back office. I also called Citibank customer service and back office, and each time they provided me with different responses, such as your fund has been sent via ACH to your bank account, or your fund has been sent via a check, or your fund is still being held with the bank, or you need to wait until 90 days after the closure.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX  XXXX # XXXX, XXXX  # XXXX, 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-18
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. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

I was made aware of a negative mark on my credit by my credit union XX/XX/XXXX. This is an inquiry that has never been shown on my credit report prior to this day. I was unaware of the creditor as I appeared on my report as COI. After doing some research and calling around this is a company name Convergent Outsourcing , INC . I contacted this company and was told that this was a debt collector for a XXXX account from XXXX. I had not received a bill or notification of an additional bill. I also have never been told about any debt on my credit. I was never provided an account number. The representative XXXX stated that this debt was reported in XX/XX/XXXX over 5 years after this account was said to be opened. In 5 years I was not made privy to a debt owed. The lady proceeded to explain that for a payment of {$170.00} the debt would be settled as paid in full and that they would report to the Credit bureau as such to have this removed. I was not made aware that I had an option to dispute this matter, I was only told that a settlement payment would get this removed. The rep XXXX took a payment in the amount of {$170.00} and gave a confirmation # XXXX, XXXX advised that she would provide a " XXXX Balance " email and was provided my email. XXXX stated this information would also be mailed out. XXXX provide a phone number # XXXX and stated to look for the email in the next couple days and that the remark would be removed. I have not received an email of this letter to date in my mail or email. I called the company XX/XX/XXXX and spoke to a rep named XXXX and advised that I had not received the email I was told I would. XXXX asked for my information, first my telephone #, and name, she then tells me that she can not find me in their system. She ask for my social security # and tells me that she can not find me in their system. XXXX then tells me that she will have to get with her manager to find out what other ways they can check to see if I have an account. At this point I am concerned about several issues. This company is soliciting debt from consumers without providing proper information. Funds were exchanged no receipt was provided, no email of settlement provided, and now no recollection that an account exist for me. I am requesting that this be reversed, that I am refunded my money and that this be removed off my credit report, this is a violation of my rights as a consumer.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Consumer complaint received 2023-01-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (CA)

I have been receiving numerous calls a day from this company ( XXXX XXXX XXXX ). I understand the law states a debt collector is allowed to call 7 times over a span of 7 days, however, I am receiving XXXX to XXXX phone calls every day of the working week. The company is also calling my wife, who is not on the contract, numerous times a day during the work week. I am not sure how they obtained my wife 's number and the phone calls are affecting both of us at work. I have screenshots to prove the excessive phone calls. The payment they are seeking was not even 30 days late!
Consumer complaint received 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

Navient reduced my automatic payment on there own without notifying me. When I called up they told me I did it myself which I didnt, then they said it was because I paid off one of my loans. The only loan that was paid off was done in 2015. They reduced my payment a few months ago. So it was not this either. They were unable to tell me why they reduced this payment. The end result they switched my payment back to what I had set up. If I did not catch this it would have prolonged my debt by years significantly increasing the amount of interest I would have to pay to Navient. When I asked to file a formal complaint I was told I could not do so. They annotated my account and that is it. I wanted to report this because I want to make sure Navient is not doing this to others.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

Dates : XX/XX/XXXX - XX/XX/2019 Amount : around {$1000.00} CITI bank lender gave me a relatively lower rate for my refinance on the mortgage and promised to close in 30-40 days. The lender asked me to pay for appraisal before hand and she will reimburse later. However, the lower rate she locked doesnt work out after almost 2 months, and she can not close it. The lender called me with a very rude altitude and asked me to pay for the appraisal by myself. 

I want to get an apology on the rudeness and nonprofessional service, also the bad words that she said to me. Also I would like to see Citibank to reimburse the appraisal as well as the time I spent on this issue
Consumer complaint received 2023-02-23
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. (CA)

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX # XXXX, US Department of Ed # XXXX, has violated my rights 15 U.S.C 1681 sec 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 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

On or around, XX/XX/XXXX @ approximately XXXX, I called Truist and spoke to a representative of the bank, employee # XXXX. I then proceeded to want an ACH stop payment enforced on a merchant, XXXX XXXX ( XXXX XXXX ), in the amount of {$91.00}. However, a few days went by, and I received a letter in the mail from Truist regarding the stop payment, along with the amount stated but the amount stated was incorrect from which I initially gave the bank, it stated {$90.00}. I immediately contacted the bank on XX/XX/XXXX @ approximately XXXX ( spoke to a representative, who then transferred me to a supervisor-as I requested, by the name of XXXX  : she provided me with case # : XXXX and that the money wouldn't be drafted out ). Again, it was drafted, never returned, so I called the bank again on XX/XX/XXXX @ XXXX and was able to speak to a representative, who then transferred me to a supervisor. I was constantly informed that the money in question for the merchant wouldn't be deducted from my account. However, it still was and still is currently, XX/XX/XXXX. I had to calling the bank, versus going there in person because I'm currently on Worker 's Compensation, from an injury sustained on my job since XX/XX/XXXX and have to use crutches to get around. It should also be noted that I emailed the CEO of Truist as well, notifying him of my displeasure of not having my stop payment honored. I explained the above situation to him as well on XX/XX/XXXX @ XXXX.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-02-23
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. (KY)

I am submitting this CFPB complaint to let you know that the information you report are different from each other. There are accounts that you are reporting as late when it is not truly late compared to other Credit Bureaus. When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts and I need you to have them corrected. ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$320.00} XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2023-02-23
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have attached documents stating that the car company is in violation of my rights. 15 U.S CODE S 1605 DETERMINATION OF FINANCE CHARGE ( a ) FINANCE CHARGE DEFINED EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION THE AMOUNT OF THE FINANCE CHARGE IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTIONS SHALL BE DETERMINED AS THE SUM OF ALL CHARGES, PAYABLE DIRECTLY OR INDIRECTLY BY THE PERSON TO WHOM THE CREDIT IS EXTENDED, AND IMPOSED DIRECTLY OR INDIRECTLY BY THE CREDITOR AS AN INCIDENT TO THE EXTENSION OF CREDIT. THE FINANCE CHARGE DOES NOT INCLUDE CHARGES OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION. THE FINANCE CHARGE SHALL NOT INCLUDE FEES AND AMOUNTS IMPOSED BY THIRD PARTY CLOSING AGENTS ( INCLUDING SETTLEMENT AGENTS, ATTORNEYS, AND ESCROW AND TITLE COMPANIES ) IF THE CREDITOR DOES NOT REQUIRE IMPOSITION OF THE CHARGES IR THE SERVICES PROVIDED AND DOES NOT RETAIN THE CHARGES. EXAMPLES OF CHARGES WHICH ARE INCLUDED IN THE FINANCE CHARGE INCLUDED ANY OF THE FOLLOWING TYPES OF CHARGES WHICH ARE APPLICABLE : 1 : INTEREST, TIME PRICE DIFFERENTIAL, AND ANY AMOUNT PAYABLE UNDER A POINT, DISCOUNT, OR OTHER SYSTEM OR ADDITIONAL CHARGES. 2 : SERVICE OR CARRYING CHARGE. 3 : LOAN FEE, FINDERS FEE, OR SIMILAR CHARGE. 4 : FEE FOR AN INVESTIGATION OR CREDIT REPORT. 5 : PREMIUM OR OTHER CHARGE FOR ANY GUARANTEE OR INSURANCE PROTECTING THE CREDITOR AGAINST THE OBLIGORS DEFAULT OR OTHER CREDIT LOSS. 6 : BORROWER- PAID MORTGAGE BROKER FEES INCLUDING FEES PAID DIRECTLY TO THE BROKER OR THE LENDER ( FOR DELIVERY TO THE BROKER ) WHETHER SUCH FEES ARE PAID IN CASH OR FINANCED. SECTION ( C ) PROPERTY DAMAGE AND LIABILITY INSURANCE PREMIUMS INCLUDED IN FINANCE CHARGE!!!! CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF THE OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE UNLESS A CLEAR AND SPECIFIC STATEMENT IN WRITING IS FURNISHED BY THE CREDITOR TO THE PERSON TO WHOM THE CREDIT IS EXTENDED, SETTING FORTH THE COST OF THE INSURANCE IF OBTAINED FROM OR THROUGH THE CREDITOR AND STATING THAT THE PERSON WHOM THE CREDIT IS EXTENDED MAY CHOOSE THE PERSON THROUGH WHICH THE INSURANCE IS TO BE OBTAINEDYOU DID NOT YOU OBVIOUSLY BROKE THE LAW YOU FID NOT INCLUDE THE INSURANCE IN MY FINANCE CHARGE XXXX : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. PHONE : XXXX SEND CHECK BACK OR WE PLAN TO SUE
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation (NY)

Performant Recovery communicated to XXXX  XXXX XXXX   that an audit of medical records was requested XXXX, XXXX and results of audit reported XXXX, XXXX to XXXX. No audit was requested, or performed by Performant Recovery of office medical records. XXXX began recouping patient payment monies based on this false information from Performant. This was first noted XX/XX/XXXX, with XXXX recouping XXXX in eft patient payments. Since XX/XX/XXXX, we contacted XXXX XXXX constantly, sent all medical records to XXXX in XX/XX/XXXX, in triplicate. XXXX XXXX provider relations will not address these issues and continues to obfuscate. Performant sent false statements to XXXX XXXX  XXXX. XXXX XXXX of Performant responded to my XXXX XXXX complaint XXXX about the falsified recoupment and gave the dates of audit request and review above, as we never corresponded with the company in XXXX. We received one letter in triplicate dated XX/XX/XXXX from Performant, stating no appeal could be made about this matter. No audit was performed! Performant in conjunction with XXXX XXXX stole XXXX from Patient payments to reimburse XXXX for custom fabricated medical equipment, dispensed to 3 patients in XX/XX/XXXX-XX/XX/XXXX,  and for which XXXX was reimbursed. XXXX legal team was sent all information certified mail XXXX and Has not yet responded. Performant sent me a nonsense fax on XXXX when asked for proof of this medical records review or audit having occurred.
Consumer complaint received 2023-02-23
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)

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 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-02-23
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. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MI XXXX 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.