davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Knight Adjustment Bureau (UT)

Civil Lawsuit Case # XXXX ( KAB XXXXwith Knight Adjustment Bureau ( Not address give to me for company ) with Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. 

I reached out to Attorney XXXX ( Not admitting the debt was mine ) to submit information and work out a settlement. Knight Adjustment Bureau call agent with phone with # XXXX XXXX ( refuses to give name or ID number ) called me directly at XXXX XXXX my number is XXXX ). I have requested a copy of the phone conversation XXXX XXXX at Knight Adjustment Bureau refused to give me a copy of conversation ). Asked if I had an Attorney then when I said no said we don't have to give you any Information. I have requested from attorney XXXX and Knight Adjustment Bureau with agent to submit as evidence for this complaint ( not yet received ). XXXX XXXX refuses comply. Just because I am not represent by attorney does not mean I am not protested by the Laws of the US. 
The agent was abusive and degrading to the point of requesting ( even though my job has been closed until further notice ) to use my stimulus money to pay the debt. Then asked if my XXXX was willing to work ( XXXX job also closed XXXX. This type of disregard, htreats, abuse need to stop now. Agent violated the Consumer Rights act on Multiple occasions. Just because times are tough this illegal abuse can not continue ( Copy of conversation will be added as evidence once received ). 

The agent for Knight Adjustment Bureau then threatened additional lawsuit beyond what our current lawsuit states. XXXX stated if you don't pay today interest will continue to add up. I have been informed that Utah and Federal law prohibits threat of additional Interest/lawsuits if not paid today. Such threats are illegal and violate both federal and State laws. Creditors can not threat additional penalties beyond Lawsuits as Lilian at Knight Adjustment Bureau did.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I continue to get marketing materials from USAA regarding credit cards and other products even though they continue to deny me access for applying for these products. I was even offered the opportunity to get an employment opportunity with USAA in 2016 that was revoked at the last moment because of a prior balance they said was owed that was charged off. If the amount has been written off as a tax write off why are they still trying to collect the full balance and why am I being mislead to apply for various offers? Why are offers of employment contingent upon payments?
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2020-04-17
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: CITIBANK, N.A. (ME)

My husband and I purchased " XXXX XXXX '' class tickets from XXXX XXXX to travel from XXXX XXXX   XXXX to XXXX on XX/XX/2020. Because of COVID-19, XXXX XXXX cancelled our flight and made multiple attempts to rebook us on other flights flying through various cities, sometimes on partner airlines ( e.g., XXXX, XXXX XXXX and with a reduction from XXXX XXXX to XXXX class. At no time did the airline consult with us on whether our ultimate itinerary could accommodate these changes or to offer compensation for the reduction in seat prices between the two classes of service. We made several attempts to reach resolution with XXXX XXXX, which was ( and still is ) charging us {$20000.00} ( see attached documentation ). 

When these attempts failed, I filed a dispute with my credit card company, Citi Cards, and I was granted temporary credit for the disputed amount pending an investigation of my claim. I was informed that, because I cancelled my plans, XXXX XXXX did not owe me a refund ( see attached ). I wrote back to Citi immediately pointing out the cancellation was not mine but XXXX XXXX 's ( see attached ). Since that time, I have received no further communication from the company with the exception of my monthly bill. I have e-mailed Citi several times and I called their Customer Service office, but the automated system terminated the call before I could speak with a Customer Service representative.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a charge card with XXXX Department Store. I check my credit weekly, because it's important to me. I checked today and XXXX XXXX department store charge card reported that I was late. They reported it to transunion on XX/XX/2020 and XXXX  on XX/XX/2020. I haven't checked XXXX. When I reached out to them today they advised me I was late XX/XX/2020. I paid my account balance off of, {$77.00} today before I knew they reported me. I NEVER received a statement. I NEVER received a phone call. Because if I did I would have paid it in full. During this Pandemic my mind was more concerned about where I'm getting my next pay check to feed my family. Like most Americans I'm scared to death and my XXXX account of {$77.00} missed my mind to pay it on XX/XX/2020 to avoid a credit report. This is the biggest health care crisis and this is what XXXX XXXX department stores does to help it's customers during this!
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine ECMC XXXX not mine ECMC XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO  NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-04-22
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. (NJ)

I have a charge card with XXXX Department Store. I check my credit weekly, because it's important to me. I checked today and XXXX XXXX XXXX XXXX charge card reported that I was late. They reported it to XXXX  on XX/XX/2020 and Experian on XX/XX/2020. I haven't checked XXXX. When I reached out to them today they advised me I was late XX/XX/2020. I paid my account balance off of, {$77.00} today before I knew they reported me. I NEVER received a statement. I NEVER received a phone call. Because if I did I would have paid it in full. During this Pandemic my mind was more concerned about where I'm getting my next pay check to feed my family. Like most Americans I'm scared to death and my XXXX account of {$77.00} missed my mind to pay it on XX/XX/2020 to avoid a credit report. This is the biggest health care crisis and this is what XXXX XXXX department stores does to help it's customers during this!
Consumer complaint received 2020-04-22
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. (NY)

XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX Lease, end date XXXX XXXX. 
At the time there were two accounts with XXXX XXXX. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to XXXX XXXX to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in COVID19 and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the US XXXX and retired XXXX Police Detective from getting a loan to put siding on his home because he is not able to paint his house anymore. XXXX XXXX is damaging his credit score yo a place that he is struggling, a XXXX XXXX  and retired   XXXX! 
At present XXXX XXXX is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

XXXX XXXX has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-04-17
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: TRUIST FINANCIAL CORPORATION (VA)

I have a Suntrust mortgage on a home in VA. I have never been late on a payment until XX/XX/2018. I have a lease purchase agreement that requires the lessee to make the payments at the branch. On our about XX/XX/XXXX, a payment in the amount of {$6000.00} was made. Unfortunately there were insufficient funds and the check was returned. Suntrust attempted to redeposit the check 3 times and each time it was returned. On XX/XX/XXXX, I was notified that the check was returned for insufficient funds. Since this payment was due on XX/XX/XXXX and since I was notified after the 30 day window, Suntrust informed all credit bureaus that I was 30 days late. My Credit score dropped approximately 60 pts on credit bureaus. I believe that Suntrust had the opportunity to inform me that that the check was returned before XX/XX/XXXX. I have discussed this with Suntrust and submitted a dispute and it was denied. I have clearly been treated unfairly by Suntrust and they have no intention of accepting any blame for the lack of notification. My complaint filing is delayed, because I never new this was an option until recently.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-04-22
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. (NY)

XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX Lease, end date XXXX XXXX. 
At the time there were two accounts with XXXX XXXX. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to XXXX XXXX to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in COVID19 and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the XXXX XXXX and retired XXXX XXXX XXXX from getting a loan to put siding on his home because he is not able to paint his house anymore. XXXX XXXX is damaging his credit score yo a place that he is struggling, a XXXX XXXX  and retired XXXX! 
At present XXXX XXXX is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

XXXX XXXX has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2019-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OR)

I have an FHA mortgage originated XX/XX/XXXX. The original mortgage was with XXXX XXXX. It was acquired by Caliber Home Loans less than a year later. The terms allow the MIP to be cancelled once the LTV drops below 78 %, which is did on the XX/XX/XXXX payment. From XX/XX/XXXX through XX/XX/XXXX there was anotice on my online account stating " Because your load is FHA, your MIP will be cancelled XX/XX/XXXX. No action is needed by you. '' On XX/XX/XXXX, Caliber made an MIP distribution of {$330.00} to FHA. I contacted Caliber requesting confirmation the MIP had been cancelled. Caliber acknowledged receipt of my request, but never responded to it. On XX/XX/XXXX, I received a hard copy letter stating I was eligible to " Refinance my loan and remove my MIP, saving {$4000.00} a year '' The loan was at a higher interest rate than my current loan, which is at 3.25 %. There was nothing in the letter referring to my request to confirm the MIP has been cancelled. There was nothing in the letter informing me I did not need to refinance my loan to cancel the MIP and I would be saving the {$4000.00} without refinancing to a higher interest rate. When I checked my online account on XX/XX/XXXX, another FHA distribution of {$330.00} for MIP had been made and the message that my MIP would be cancelled with no action needed on my part had been removed. I sent a follow up inquiry for an explanation and have received none thus far. NOTE : Both emails, online messages and letters have been coming to me all year pushing me to refinance at a higher interest rate than my current loan stressing I could get rid of my MIP and save " {$4000.00} a year '' and have lower mortgage payments. Never did any of these messages identify my loan as an FHA that was eligible to have the MIP removed without refinancing, how much I would save, and what my payments would be after the MIP was removed. I believe this is at best, deceptive, misleading advertising with the express intent to get more money from the customer without giving them the facts that it would actually cost the customer more as well. At worst, it is outright fraud. I would guess there are thousands, maybe tens of thousands of Caliber customers with FHA loans originated before XX/XX/XXXX that have been subjected to this same misleading advertising. And some who have undoubtedly fallen for the tricks.
Consumer complaint received 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX : Account name : XXXX XXXX XXXX** Account name XXXX XXXX  XXXX Account name 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-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 2019-03-02
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: JH Portfolio Debt Equities, LLC (NY)

JH PORTFOLIO DEBT EQUITIES COLLECTIONS- AMOUNT- {$8200.00} DATE OPENED XX/XX/XXXX XXXX/XXXX- AMOUNT- {$1200.00} DATE OPENED- XX/XX/XXXX XXXX XXXX XXXX- AMOUNT- {$430.00} DATE OPENED OPENED XX/XX/XXXX XXXX XXXX XXXX - AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX/XXXX   RETAIL- AMOUNT- {$0.00} DATE OPENED -XX/XX/XXXX XXXX XXXX- AMOUNT- {$0.00} DATE OPENED -XX/XX/XXXX XXXX/XXXX XXXX -AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX/XXXX  -AMOUNT- {$2600.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX/XXXX -AMOUNT- {$2300.00} DATEOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX -AMOUNT- {$2200.00} DATE OPENED XX/XX/XXXX
Consumer complaint received 2020-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (NC)

I'm filing a complaint against GLA Collections Agency XXXX XXXX XXXX, XXXX, KY XXXX. 
They have put several medical bills on my credit report that do not belong to me. I've requested itemized statements proving said debt multiple times over the past couple years and I have yet to receive those statements. I also have letters from the original healthcare provider stating that this debt is not mine and a copy of the letter they sent GLA telling them to remove it from my name. The debt was fraudulently put in my name. GLA continues to refuse to remove the debt from my credit report. 
Debt # 1 - {$110.00} Opened XX/XX/XXXX Debt # 2 - {$150.00} Opened XX/XX/XXXX Debt # 3 - {$290.00} Opened XX/XX/XXXX Debt # 4 - {$360.00} Opened XX/XX/XXXX I've spoken to the credit bureaus and they found that someone with a similar name and with a social security number that's different by one number has information on my credit reports. I've asked GLA multiple times for proof of this said debt that includes an itemized statement of said debt with the same and original signature of the patient. They refuse to give me this information. And they refuse to take it off my credit even when the original provider sent them a letter stating that this isn't mine. I need this removed immediately as they are causing great damage to my financial status. I am unable to get a needed loan because of them.
Consumer complaint received 2020-04-17
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. (FL)

To whom it may concern, I have contacted Experian regarding an error on my credit report. I mailed them a letter of XX/XX/2020 regarding the matter asking them to investigate and please remove the erroneous collection and never received a response from Experian. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Please remove the following inaccurate information : Collection Creditor : XXXX XXXX XXXX - {$340.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

Thank You Sincerely yours, XXXX XXXX