davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (IN)

XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with Indiana University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXXXXXX, XXXX ( XXXX ). 
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX. 
2. ) XXXX has not marked the account on my credit report as " Disputed  '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX. 
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX  account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.
Consumer complaint received 2018-06-15
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: EQUIFAX, INC. (LA)

I have disputed the inaccurate reporting of payments and balance from the XXXX XXXX XXXX with XXXX, Equifax and XXXX multiple times and nothing was done to correct the issue. The investigation was not completed correctly and the information was not verified.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL is trying to collect XXXX for XXXX. XXXX filed a fraudulent amount, XXXX took 2 XXXX XXXX XXXX and were supposed to pay each off in the amount of XXXX each for a total of XXXX leaving me a balance of XXXX which is what I am willing to pay
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX bank of america charge from my checking account {$1300.00} and {$120.00} for legal fee. {$1300.00} is taken from Assessor Board Change of XXXX XXXX County. ON XX/XX/XXXX county of XXXX XXXX refund me full amount {$1300.00} because they charge me by mistake. after I got refund from them, I called the Bank of America to get {$120.00} service charge refund because whole situation was a mistake. unfortunately, they refused to give me money back because they say they did the all the paper works for the city to let the government to take away my money even thought they know its a mistake by government. Its really unfair for me. i felt i got robbery by bank of America for no reason. I don't understand why they have the right to charge me legal fee. bank should ask city to pay {$120.00} instead charged from my account.because they do the paper for city not for me.. 
but they refuse to give me money back. they want me to ask city to pay their service fee. 
, or i have to pay. and city won't pay this fee because they already credit back full amount to me of what they charge me. and city ask me to ask bank to refund the money because they are the one took my money now. 
I want to know if there have any way i get my money back. I show bank the latter that city send to me about the error they made. bank just shows me that is not their business. they did the paper work. so they have to charge. 
its so unfair.
Consumer complaint received 2023-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

- XXXX XXXX {$2500.00}
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

I have disputed this debt numerous times. I sent XXXX XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXX XXXX XXXX has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Credit Collection Services : I am writing this letter in response to the phone call/letter received from you on ( Date ).  In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Consumer complaint received 2018-06-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Established a business checking with 5/3 Bank XX/XX/XXXX-recommended by 5/3 to sign up for credit card processing. Was told by 5/3 account was declined. For 2.5 years 5/3 branch staff never admitted they knew what the abbreviation on my statement was for charges of {$140.00} monthly for XXXX   ACH billing were. In XX/XX/XXXX returned to branch again regarding fees. Was advised to open a merchants acct thru them. Their rep advised me when she came out & I ask her about the abbreviations, she called & learned I had already a merchants account. That had been in place since XX/XX/16 which cost me! XXXX monthly. Never received a credit card terminal, never received 1 billing statement. Was advised I had a open acct with XXXX now XXXX. I must contact them directly to resolve receiving my refund request for mothly fees. As we have our Merchant processing thru another company along with a terminal, we had in place already when starting new relationship with 5/3. Again never received any equipment, no contract, no monthly statements. After 15 days allowable  processing time required, still havent received any refund we calculate 30@XXXX= XXXX. Today was the agreed date for restitution and or explaination on there plans for resolution. Cust service rep stated the notes indicate their intent to refund {$250.00} but the back office hadnt signed off on it yet. This is major fraud. Please assist in anyway possible. Ive contatced 5/3 on sevral levels along with their processing company XXXX now dba XXXX.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

The validity of this account has been disputed directly with the company Navient Solutions LLC, and the 3 Credit Bureaus XXXX, XXXX and XXXX. There is NO CONTRACT related to this account! Please provide any documentation containing my signature that shows that I am under contract for the debt. Being that the account was transferred to another lender, please provide any agreement between the original creditor and new lender or collection company. XXXX  has deleted the account in accordance with the law, however XXXX and XXXX continue to report this account as verified or accurate.
Consumer complaint received 2018-06-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TX)

VA Lender XXXX XXXXXXXX XXXX sold Va loan to Round point Mortgage to collect {$260000.00} and foreclose my home. 
XXXXXXXX XXXXXXXX XXXX denied my legitimate claim to repair my exterior because of uncircumstances of plumbing water leak inside of the walls. 
XXXX new home construction of XXXX refuses to fix my home issues. 

XXXX XXXX has a law firm to denied my claim. 

I am XXXX, Retired.I am in XXXX having XXXX XXXX XXXX   with my primary doctor XXXX XXXX XXXX since XX/XX/XXXX till present. There could be a possible XXXX. 
I need to be in my home after my medical treatments in XXXX. I already filed complaints against XXXX XXXX and Round Point, there is a major scandals, fraud and corruptions of XX/XX/XXXX till Present. 
My home is not in condition for me to be living because of molds, and repairs issues. 
What is the investors are going to do about my XXXX accommondations under my ADA Disability Act Civil Rights under Department of Justice? 
This is a very urgent matters. I am stress and i am prescription medications for my pains.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, there were multiple fraudulent charges made with my Bank of America debit card. I was notified by the bank that there were suspicious charges and asked to verify if them. At that time, I saw an initial charge of {$1400.00}, followed by multiple other charges ranging from XXXX down to {$330.00}, totaling just under {$4000.00}. I spoke to an agent that verified only XXXX of the fraudulent charges and then refused to verify the others. I was told I needed to go to a bank branch if I had other concerns and that she could not help me with anything else. This conversation was supposed to be recorded by Bank of America, as well as the several other calls that followed over the next months. I went to the bank and was told they could not help me other than connecting me by phone to their remote fraud department. When I spoke to the agent over the phone, she asked me to report any other charges that I did not recognize at that time. I had a printed list of transactions and I highlighted those I did not recognize, notably the largest transaction of {$1400.00}. There were several other transactions that were processing and I was told I had to wait until they were done processing to claim them. I was also told they were going to fall off, which most of them did. I do share the account with my husband and accidentally identified a few charges that belonged to him. About a week later, I received notice that the claim was denied because some of the charges claimed, were made by my husbands debit card. I was advised to request to reopen the claim by writing a letter and specifying that the transaction I am reporting was the {$1400.00} charge. That was on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not received my money. I have been given multiple updates by calling and none of them have actually been congruent. I made an additional visit to the bank and sat with an agent while on speaker phone with a fraud specialist and was told that they were about to write it off and we should be expecting to see our funds in 10 days. That was on XX/XX/XXXX. I made another call today and I was told that they are still waiting on the merchant to respond, but that they have not so far, and likely will not. I was told it was unlikely I will receive my money back. Please help us to get our money back from Bank of America. Thank you for your help!
Consumer complaint received 2018-06-15
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. (NY)

On XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account. 
Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}. 
When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}. 
Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX. 
Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed. 
Currently, the balance reported to Experian is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX is {$1200.00} as of XX/XX/XXXX.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (FL)

On XX/XX/XXXX I sent a debt validation to Waypoint Resource Group which they received on XX/XX/XXXX. In response the collection agency provided a account number with a bill/account history. I filed a complaint through the CFPB on XX/XX/XXXX advising that collection agency did not provide the documentation that was asked for which was to validate the alleged debt in questioned. The collection agency responded to complaint advising that their records are correct and accurate. I am filing another complaint because I requested for validation of the debt not verification. Providing a bill/invoice/statement is not a form of validation of the alleged debt, it is a form of verification which is not what i requested.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (KY)

I moved from XXXX XXXX XXXXXXXX XXXX XXXXo XXXX, XXXX this week. I walked into my local XXXX XXXX Truist Financial branch to withdraw funds to pay for my movers. I handed them my XXXX license. They asked me a couple of security questions, which I was able to answer ; however, when they asked me what year I opened the account, I could not remember. I opened an account with BB & T about a decade ago. I never opened a Truist account myself. That automatically happened with Truist bought out BB & T. Since I could not answer that question, they stated that I was not the account owner and they couldn't help me. So, I left. I went to another branch down the road, but by the time I had arrived there, the first bank had flagged my account, so they would not help me either. I went home to transfer my funds via online banking and noticed that my account had been frozen for debits. I called the XXXX number for customer service ; they stated that this can only be resolved at the local branch. They asked if I could drive back to the branch, call the customer service again and they would assist in verifying that I am indeed the account owner. I called the local branch before driving back over to confirm this as well as ask what other forms of identity I could bring since they were obviously unhinged over the XXXX driver 's license. I offered my passport and social security card. The gentlemen on the phone stated he would not help and that I need to go back to XXXX Currently, I feel like my funds have been stolen by my own bank, and I am very frustrated. I need help to get my funds back. Then, I can just permanently close my account so as to never deal with this bank again.
Consumer complaint received 2018-06-13
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. (CA)

I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 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 2023-07-09
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. (CA)

15 USC 1692g ( Validation of debt ) ... 15 USC 1692 ( Legal action by debt ) ... 15 USC 1692e ( False or misreading representations ) ... 1681s-2 ... Here are the accounts I would like to get Removed A.S.A.P ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... Since these companies are not the original creditors they can not validate the debt please delete A.S.A.P ... Thank you...
Consumer complaint received 2018-06-13
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. (CA)

I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.
Consumer complaint received 2018-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC. (CA)

Hello ; Cashcall charged this debt off without notification of collection, and it remains on my credit report. I request that Cashcall either provide a way to pay this debt off or remove it from my credit report.

Kind Regards, XXXX XXXX