davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I hired a company to work on my credit in XX/XX/XXXX. I initially put a fraud alert on my profile because I did not want anyone to continue to use my personal information like before. ( My wifes purse was stolen and it had my personal information in it. ) I recently ordered my credit report and noticed that once again someone is applying for things using my information. How is this possible when I have a fraud alert and it specifically says to call my number in order to have my consent before running my information? I feel like this is a violation and the credit bureaus arent doing anything to protect my information. What is the purpose of a fraud alert if my information can still be used without my permission?
Consumer complaint received 2018-10-02
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: CITIBANK, N.A. (FL)

XX/XX/2018 received letter from Citibank with credit card also separate envelope with pin number Letter states I requested Citibank to open an account. I DID NOT. Immediately called, took over XXXX minutes to reach a live person. Told to call back on Monday, on Monday was referred to identity theft agency, they referred me here
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian customer service would not help and take care of the negative/fraudulent reported inquiries 1- Inquiry : XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry :  XXXX XXXX. Date of Inquiry : XX/XX/XXXX 3- Inquiry : XXXX/XXXX XXXX . Date of Inquiry : XX/XX/XXXX 4- Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX 5- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 6- Inquiry : XXXX/XXXX  XXXX Date of Inquiry : XX/XX/XXXX 7- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 8- Inquiry : XXXX/XXXX  XXXX And As Date of Inquiry : XX/XX/XXXX 9- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 10- Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX 11- Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX 12- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 13- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

I have received numerous phone calls and now a debt collection notice requesting that the cable provider has not been able to obtain the cable equipment in my former home. I have been told that if the equipment is not returned I will be billed {$520.00} and if not paid, my credit will be impacted. This was told to me yesterday ( XX/XX/XXXX) by XXXX at IC System. 

I was divorced effective XX/XX/2017. In the divorce, my husband, XXXX XXXX was awarded the items in our home including the cable equipment. 

In the Decree, I was given no access to the home and my ex husband and I do not speak. I have written to him and asked him to return the equipment but I can not make him do it. He will not cooperate. 


I communicated this to XXXX in XX/XX/2017 with a cc to my lawyer and a copy of my Decree. See letter attached/uploaded. 

Debt collectors tell me they are going to report this to the credit companies and that will damage my credit.
Consumer complaint received 2018-10-07
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. (TX)

I disputed an account with XXXX XXXX XXXX with Experian and on XX/XX/XXXX they claimed that the company verified the information to them. I find it funny how they verified the information with Experian when I also directly disputed the information with XXXX XXXX XXXX and did not receive validation fully this alleged collection is reporting inaccurately to my report. I was never given valid validation from Experian about this debt how can Experian verify this debt as accurate with the dates all out of sorts they claim this alleged debt was opened XX/XX/2013 but claim the alleged medical service did not happen til XX/XX/2013. I was never provided from Experian are XXXX XXXX XXXX a copy of the hipaa authorization form are any contracts with my signature bearing responsibility to alleged debt. Experian would not give a explanation of how they verified the alleged debt. By no means is this debt valid are do I have any ties to said alleged debt.
Consumer complaint received 2024-11-05
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. (NY)

Incorrect information report on my credit report and i would like it to be remove so my credit report can reflect accurately Collections XXXX  XXXX XXXX XXXX Opened XXXX {$400.00} XXXX XXXX XXXX Opened XXXX {$2600.00} I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Dispute : - 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AL)

Disputes with the company on XX/XX/2018/. Company received my disputes on XX/XX/18 as it shows according to the certified mail. It is now XX/XX/2018 and I've yet to hear back from the company. The FCRA gives the 30 days to respond, I have not gotten a response.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-05
Product: Credit reporting 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. (TX)

Im seeing unauthorized inquiries on my credit report out of nowhere, and I dont understand why. Checking as usual revealed these discrepancies, and a browser refresh didnt resolve it. I am really frustrated and insist on a thorough document review so I can stop feeling anxious about this.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy, under 15 USC 1681 Section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( B ) A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. This credit reporting agency is reporting late payments on my account which is interfering with my ability to finance my primary residence. This is a violation of my rights!
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2018-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I sent XXXX XXXX XXXX a debt validation letter and they received it on XX/XX/XXXX. They claim that they did an investigation into the debt after they received it on the XXXX and finished their investigation the same day. Which it surprises me that they were able to finish it so fast as they received the letter at XXXX and was able to finish their investigation and mail me a letter the same day. I asked for several things as allowed by law when concerning medical debt including Proof of acquisition of the alleged debt, proof of contractual assignment to collect alleged debt, authorization under subtitle D of the ARRA, Section 13401, Proof bearing the signature the alleged debtor wherein they agreed to pay the alleged creditor, and being this is a medical debt, a copy of the HIPPA authorization. I find it hard to believe this company keeps being able to get away with continuing to break the laws protecting consumers. I have read several complaints against this company and they never answer for what they are doing. In the letter I received in response they threw some doctors name on the paper and claim I had some medical services with this doctor which I have never had and the fact that if they are receiving patients private information and not being authorized to do so is a serious infraction against the hipaa laws set forth to protect patients. I have tried to validate this debt in the manner that I am suppose to do following the law and the law is continuing to be broke by this company. On another note this company reports that I supposedly seen a doctor on XX/XX/XXXX but claim this account was opened mXX/XX/XXXX which is 9 month before they claim I saw a doctor I do not even know how that is possible.
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (FL)

To XXXX XXXX XXXX XXXX XXXX XXXX Ref # card ending XXXX Dispute : XXXX To whom it may concern : Please be advised that I have been billed {$510.00} promised services by Ally Bank through XXXX. I applied for a Mortgage Loan through Ally. They lead me to believe that I was been approved for a home loan and I approved an appraisal which they billed through XXXX or used XXXX as an intermediary. 
This is false and misleading to the consumer and I will be filling a complaint against Ally/XXXX and XXXX XXXX if these charges are not reversed. 
I am contacting the State of Florida Department XXXX XXXX XXXX to deal with this matter. The lack of urgency and professionalism involved with all parties contacted to resolve this issue is unacceptable. 
I am attaching all documentation received from parties via email and hope that we can find an amicable resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

XX/XX/2018 My complaint involves the deceptive information used by XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York XXXX telephone ( XXXX ) XXXX XXXX, to induce XXXX XXXXXXXX to create a mortgage. 

At the time that the XXXX XXXX was creating this fraudulent mortgage I was XXXX and unemployed. I notified XXXX XXXX that it was impossible for me to continue my mortgage payments and asked him to confer with the bank, XXXX XXXXXXXX, to arrange a program that would allow the sale of the property and the settlement of the outstanding mortgage. 

What was represented as a form of modification turned out to be a financial arrangement that was onerous and draconian in its cost in fees and new taxes and future interest rates. 

The result is that the bank is now at the brink of foreclosure and they have issued a to the court a {>= $1,000,000}, which if executed will leave my wife and myself without any equity and we will be subject to abject poverty. Our most valuable asset will be taken from us and the bank will collect {>= $1,000,000} in fees. My wife and I will be destitute based on a mortgage that I would never have gotten based on the true facts rather than the fabrication that the XXXX XXXX used to create an application that the XXXX XXXXXXXX would accept. This was no more than a way for the bank and the mortgage broker to garner tens of thousands of dollars in fees, with no regard for the laws that demand a truthful disclosure of facts, or the negative impact on the people on the other side of their deceptive behavior.
Consumer complaint received 2018-10-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC (IN)

They called today on XXXX despite a previous request to never call my work number. My work number had also not been given to them. They repeatedly call my phone and do not leave messages. Today, after again telling them never to call me at work, I work at a XXXX, the man on the phone became very threatening and rude. He said that he wouldn't call either number again and the next step would be taken without alluding to the next step or even giving details on why he was calling. I was never given the opportunity to make payments or payment arrangements. XXXX XXXX XXXX is the name of the company and the number is XXXX.
Consumer complaint received 2018-10-02
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. (MD)

I have been making payments to Navient for 2 years. The amounts going to the interest should be decreasing not fluctuating from different months. For example, my monthly payment is {$430.00} first payment made on XX/XX/XXXX {$79.00} principle and {$350.00} interest. One year later XX/XX/XXXX {$85.00} principle and {$350.00} interest. Earlier this year I began making payments 2-3 weeks earlier then due date. On XX/XX/XXXX I made the XX/XX/XXXX payment, {$200.00} went to principle {$230.00} interest. On XX/XX/XXXX the entire {$430.00} went to interest. I contacted Navient, first representative, XXXX, put me on hold and disconnected me. I call back the representative, XXXX XXXX, not sure of spelling, told me because I made the payment early, there was 40 days of interest that had accrued and this is way they took the entire payment for interest. I told him the payment is not due until the XXXX and he said it did not matter. I am not a fool and this is a lie. I have been making my payments on time and Navient allocates they payments the way the chose. I know about the lawsuit filed against them, so I am not the only person. We struggle to make our payments and should not be treated like this. Your attention into this matter is greatly appreciated.
Consumer complaint received 2018-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I received a bill from PRA Receivables attempting to collect on an account formerly owned by XXXX Bank. The charges on the account were disputed due to there being charges not authorized on my account, and I refused to pay on those charges, or the interest/fees accrued as a result. XXXX Bank sold my account with the full knowledge that these charges were not valid. PRA has refused to verify the debt, and has refused to provide the documentation I requested on XX/XX/2018 for such verification. I sent a followup notice on XX/XX/2018 to notify PRA that any further collection efforts violated FDCPA, and I have received 2 bills by mail since, but still there is no sign of the documentation I requested.
Consumer complaint received 2018-07-12
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. (IA)

In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX XXXX times over two weeks about this account. XXXX XXXX XXXX informed me that they notified XXXX, XXXX, and Transunion on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.
Consumer complaint received 2024-11-05
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. (OH)

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

I sent a XXXX scammer some money through XXXX, they never delivered on their side of the agreement. I tried to have the transaction stopped by PNC IMMEDIATELY AFTER I sent the money and realized the sale was a scam but PNC REFUSED to even open an investigation before the funds were delivered the next day. I filed a police report ( attached ) later in the evening. The following day I contacted PNC and they initiated the claim. They said they would investigate the transaction and that they would be contacting the other bank scammers bank ( XXXX XXXX ). A few days later I received a letter saying that my claim was denied and there was nothing I could do. I asked them if there was any way they could shut down the scammers account and PNC said that was up to XXXX XXXX. They also said I should contact XXXX to retrieve the money since it was through their service. XXXX XXXX will not discuss another account with me because I'm not their customer. I've tried contacting XXXX but they will not speak to me since the transaction was filed from my bank and said I should resolve the dispute with my bank. PNC and XXXX seem to be pointing the finger at each other. Bottom line : XXXX doesn't take their security seriously and PNC doesn't care about it's customers or trying to stop fraud before it happens.
Consumer complaint received 2018-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (FL)

I payed a large fee up front to Ameritech Financial in XXXX of 2016 and have been paying {$99.00} a month since. There should have been no fee for this service. I am a single mother just off XXXX with a XXXX XXXX child. This money did not come easy to me. Also, all my payments ( around {$3000.00} ) should have gone towards my student loans. They did not.