davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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. (FL)

XXXX/XXXX acct was opened on XXXX XXXX and was closed onXX/XX/XXXX. It was charged off as a bad debt closed and was purchased by another lender ( XXXX ). This account reached its statue of limitations which was 3 years. This account is 13 years and 8 months old. On my credit report it states that XXXX XXXX, XXXX posted on my credit report that I owe {$1700.00}. It seems this company is ghosting my social security number and all pertinent information on the web. Since I am retired now and only have one income which is Social Security, this company is taking advantage of me. I did not sign any papers to start paying on this bill, although I am in a debt management program which this debt is being paid to XXXX XXXX , XXXX every month by XXXX XXXX XXXX. The account has been settled for {$830.00} at which payment is being made every month. I would like XXXX XXXX, XXXX to remove from my credit report. The Company XXXX XXXX, XXXX is doing the exact thing to XXXX XXXX XXXX, XXXX. which states on credit report that {$1500.00} is owe but it has been settled for {$760.00} at which payment is being made every month. Its a shame that the little people when in debt trying to clear up their credit report that everybody else wins ; XXXX XXXX XXXX receives a fee for settling your acct, and these companies like XXXX XXXX , XXXX, XXXX XXXX, XXXX, and XXXX Companies ghost your social security. When financial crisis hit and you can not pay when the creditors want you to pay, even when the insurance has paid the creditor off and the account is closed, trying to do good by entering a debt management program is the worst. They tell you don't pay your bills and they have a better chance to negotiate your debt down meanwhile you are on fix income and the debts time have past statue of limitations. You can not win!! I hope this information will help some consumers to beware. Thank you.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FISERV INC. (PA)

XXXX/XXXX/XXXX - received letter from Money Network Cardholder Services, which included a Visa Debit card ( last XXXX XXXX XXXX my myself and my husband for {$2400.00}. I did not want the card, and preferred the {$2400.00} be deposited directly into my checking account. 
XX/XX/XXXX - went to EIPcard.com site and created an account and requested a transfer of the entire {$2400.00} ( Economic Impact Payment ) into my personal checking account with XXXX XXXX. 
XX/XX/XXXX - Called the Customer Service number provided by EI to XXXX XXXX and advised the money had not been transferred and was told it could take several weeks. 
XX/XX/XXXX - Called XXXX XXXX  again and advised money was still not in my account. Again, told it could take up to 60 days. 
XX/XX/XXXX - Called XXXX again because I still had not received the money and they offered to put a trace on the money and told me to call back in a few days. 
XX/XX/XXXX - Called XXXX and they said they couldn't find anything and would send me forms to file a dispute with Money Network. 
XX/XX/XXXX - Received letter from Money Network with Case ID and forms to be completed. 
XX/XX/XXXX - Received letter from Money Network that the investigation was complete and there was no error and the claim was denied and closed. They denied and closed it prior to even receiving the completed forms from me. 
XX/XX/XXXX - Called Money Network to ask them the routing number of where the money was sent to confirm it went to my account and was given the website XXXX to find the documents related to my dispute. This website came back as unfound. Called back to Money Network and confirmed spelling of website, still unfound. 
I still have not received the money. I provided Bank signed bank statements showing the funds were never transferred into my XXXX XXXX account. The Money Network Financial website shows the balance of the debit card is {$0.00} and the money was transferred to my bank account but it has not been transferred. 
I also was referred to call the IRS, but was told they could not do anything either.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (NY)

I had a signed settlement agreement with the Credit Control LLC for my account XXXX, settlement agreement XXXX. Where the settlement amount had been XXXX and by XXXX of XXXX {$490.00} of that balance had been paid off, outstanding balance was {$350.00}. There was no payment withdrawn on XX/XX/XXXX and XX/XX/XXXX. I have a statement and notices from the bank reflecting sufficient amount on the account and an overdraft services were on. On XX/XX/XXXX I am receiving a letter and signing up for a new payment arrangement of {$64.00} and an outstanding amount is {$780.00}. After I have signed up for a new payment arrangement I realized that I have already had a payment arrangement for this account and I have already tried to contact Credit Control to clarify through their website and sent 3 message of which I have time stamped screenshots. After I made a payment of {$64.00} according to the new and second arrangement that I could not cancel at this point, it brought my balance to {$280.00}. I send another message to them to clarify and called. When I called I was told by a young gentlemen they have 2 different parts of the collection department and another department is under a different number, which i called and left a voicemail as no one was available. Then I proceeded sending another email, requesting to receive clarification on the account and balance. Today I have finally called and spoke to Ms. XXXX, if I got it correctly and her manager XXXX where I was told at first that I was manually scheduling payments, then I was told that my payment did not go through and that agreement was voided and now I have to start paying off the same amount a new. Not only that manager was not courteous, did not let me speak at all or raise any questions, bossy, and it turned into more of a shouting exercise where I was not even able to speak normally or question anything. She completely shut all my concerns. I truly feel that this collection process was unfair and misrepresenting, I was mistreated and placed me under pressure. Where this agency prey on the debt problems and make them worse instead of helping in resolving.
Consumer complaint received 2021-02-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Four Directions Lending LLC (MD)

Fell behind on payments in XX/XX/XXXX. Sent a " Cease and Desist '' email to West Side Lending on XX/XX/XXXX revoking ACH debit authorizations and stopping all phone calls. ACH debits stopped. I received calls from West Side Lending on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The rep acknowledged that they received the Cease and Desist email but wanted to keep talking to me " since [ she ] had me on the line. ''
Consumer complaint received 2021-02-25
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. (OK)

XX/XX/XXXX amount {$1100.00} XX/XX/XXXX amount {$3600.00} XX/XX/XXXX amount {$1800.00} I have disputed these items with Experian a number of times I've also called the Dept of XXXX  as well.
Consumer complaint received 2022-05-16
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. (FL)

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX  Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 


According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution should share my information with a third party.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me from when they receive dispute information.

These are clear violations of my federally protected consumer rights.

They violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-09-13
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. (VA)

EXPERIAN I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name stated on my birth certificate and social security card and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. Experian has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by EXPERIAN which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. As EXERPIAN would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that EXPERIAN has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that EXPERIAN has caused me. I have had enough of the abuse and unfair practices from EXPERIAN. Pursuant of 15 USC 1681b ( 2 ), I did not give EXPERIAN any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living XXXX, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc. (MN)

I called American Accounts and Advisors regarding a letter I received stating I owed a debt of {$670.00} regarding a charge from XXXX XXXX XXXX on XX/XX/2021 at XXXX XXXX. I spoke with a representative, provided the File # listed on the correspondence and was transferred to the line of an individual named XXXX. My call went to voicemail, at which point I left my name, call back number and the File # listed on the letter. As I was ending the call I received another. I switched calls and was informed the person calling was XXXX and she had just missed a call from my phone number. I informed XXXX that I had just left her a voicemail regarding a letter I had received. She proceeded to ask if she was speaking with ( my name ) and I said yes. She then disclosed the name of her company and read me the mini-Miranda. I had asked why she would do that without proper verification. She informed me that all she needed to proceed with the call was to verify my name. I stated, " Not according to the FDCPA '', at which point she told me I was incorrect and that she was required to disclose the name of her company and that the communication was from a debt collector on all calls, including voicemails, and did not require verification to do so. When I questioned this again, XXXX then said, " Ok then, is your date of birth ( my DOB ) '' to which I verified. XXXX then proceeded to XXXX for payment. She continued to inform me of her company and XXXX XXXX credit reporting process. Additionally, the notice I received does not include any information about my right to dispute this debt. I feel this company is acting in an unfair and deceptive way. I have since checked my credit report and as a result, my credit score has dropped 61 points.
Consumer complaint received 2022-05-16
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: CBC Companies, Inc. (GA)

XXXX is violating the Fair Credit Reporting Act by not removing fraudulent items from my credit report. The following items are as follows : XXXX XXXX XXXX, Balance : {$21000.00} and XXXX XXXX, Balance : {$14000.00}. I have filed a dispute with XXXX and they have yet to block the fraudulent items from my credit file and is violating the FCRA. Please have these items removed immediately, due to identity-theft and fraud
Consumer complaint received 2022-05-15
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2021-02-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (IL)

PNC Bank is and XXXX XXXX lender. It discriminates against small, minority, older and other disadvantaged ( SMOD ) borrowers by applying a specific business account requirement to apply for a XXXX loan which many SMOD borrowers do not use based on higher fees, monthly service charges, etc designed to screen out otherwise eligible SMOD borrowers from participation in favor of larger more profitable other customers or extract extra business account fees the SMOD borrower would otherwise not have at a time of distress. Surely many SMOD operators use less expensive accounts rather than a high fee business fee account. 

This requirement is likely not part of the CARES Act or XXXX, but is an extra discriminatory hurdle PNC adds. And in any event a bank knows particularly SMOD operators select lower cost vendor whenever possible. The pandemic enhances this pressure and need. 

This requirement continues and fees seem to be excessive and unnecessary to the disadvantage of SMOD borrowers.
Consumer complaint received 2021-02-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (UT)

Hello in XX/XX/2019 I took out an FHA loan and I had to pay Upfront Mortgage Insurance. This month I refinanced into conventional and trying to figure out how to get a portion of funds back from XXXX XXXX  XXXX because I was told that under 1 year refi you can get a prorated portion of your funds back. I am given run around.
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

My sister made a XXXX deposit for me on Wednesday, XX/XX/XXXX, and I have not yet received the funds in my account and it is now, Sunday, XX/XX/XXXX. The earliest the funds could be available would be Monday the XXXX, a full 3 business day and 2 non business days later. The bank, Wells Fargo is holding the funds for too long and profiting off them for their own benefit. This should not be allowed and should be if it's not already against the law. What can you do to help?
Consumer complaint received 2022-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION (CA)

I recently discovered an account was opened under my name to open a new credit card with truist bank. I contacted the bank they were extremely unhelpful avocational. I then entered a dispute with XXXX.
Consumer complaint received 2022-05-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hi, I mailed Experian a letter on XX/XX/XXXX and received notification via email on XX/XX/XXXX that my disputes were open. On XX/XX/XXXX, I received my dispute was completed and ready to view via email. After, reviewing my dispute result I seen that no action was taken to verify the information although I provided proof that the XXXX account was reporting inaccurate information to each bureau. After, their investigation they updated information as well causing even more inaccurate information to report on my report. 

They reported their investigation verified and updated information unrelated to the dispute. But, how? If Experian verified the information, why did they delete information? The account still sits on my report inaccurate. Per FCRA, I have the right to an accurate report. 

The following reports inaccurate : XXXX  -High Balance -Date of Last Activity -Closed Date -Payment Status ( After dispute, Experian removed only the positive months ( XXXX and XXXX of XXXX ) -Last Verified
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Consumer complaint received 2024-09-06
Product: Credit reporting 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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (PA)

On XXXX XXXX, I called XXXX to pay my sons bill. It went through a company called cash app. Ever since this happened cash app has been taking money out of my account. I tried several times calling them but no success. There is a recording stating you won't b able to talk to anyone. Im hoping u can help me! Ty!
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.