davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XX/XX/XXXX, I opened a new checking account with Huntington Bank online. I was prompted with " how would you like to fund this account? '' and chose to transfer money from another savings account I hold at XXXX XXXX. On XX/XX/XXXX, the money was removed from my XXXX XXXX  account, but the money never arrived to the Huntington Bank account. I have spent the past two weeks trying to get an update/resolution from Huntington as they are holding the money in limbo due to an error/glitch on their end and I need this significant amount of money back. I have spent hours and hours on the phone and the service rep acknowledged they were having issues with transfer " at the end of 2020 '' but I still have not received a resolution/update on when I can expect my money back.
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NJ)

Hello, I am filing a compliant about a Debt Collections agency called Convergent Outsourcing. I had an old phone bill for XXXX sent to them. In a piece of mail and on their website they falsely claim to make a settlement for the amount owed. On their website they claimed if I made a payment for XXXX my debt would be cleared. It has still never cleared, when logging on to review my account with them it is asking for another amount to settle the account. I have XXXX screen shots attached below. I have also emailed them multiple times and never get a response. I would like to clear this off of my credit report as I plan to join the XXXX next year and can not have accounts in collections. 

thank you.
Consumer complaint received 2022-02-26
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

My Credit Card Account ( Schools First Credit Union ) was sent to the credit bureaus as a 30-day late in XX/XX/2022 which took my score down XXXX points with XXXX. 
I was issued two cards one with a $ XXXX limit and the other $ XXXX limit. One of the cards was compromised and a new one needed to be issued. After receiving the new card, it was not automatically set up on auto payment as the one it was replacing. Unbeknown to me their new website would not roll over the same auto payment information from the previous card or let a member set up auto payment anymore. Therefore, I called to get it all straighten out. I spoke to a person that told me the best thing to do was to combine the two cards that way it would only be one card. So of course, I agreed, then come to find out they kept the card that had previously been reported 30 days late. For some reason they are the only ones that can process automatic payments on their side. I disagree to have a 30-day late reported on my credit reports, due to it was not my fault they upgraded their system and without my knowledge my cards were no longer on auto pay.
Consumer complaint received 2021-01-19
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-08-14
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX OF 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
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (AZ)

On XXXX/XXXX/2017 I submited an order online with XXXX XXXX XXXX. I received a " Happy Birthday '' {$15.00} NO EXCLUSIONS coupon. After submitting my order for {$100.00}, I checked the confirmation email and the coupon was not reflecting. 
Called XXXX XXXX XXXX and spoke to an agent who said that there are exclusions and to read the back. I told XXXX this is misleading because there is no indication on the front of the coupon where it says NO EXCLUSIONS in capital letters. I asked him to cancel my order, he said he could n't and that when I receive it I can return it to any store. This was not acceptable to me so I asked to speak to a Supervisor. He placed me on hold for about 2 minutes and came back to say that a Supervisor was not available, they were all busy and he would put in a request so one could call me back in 48 hours. Not acceptable and not good customer service.
Consumer complaint received 2017-10-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

Two months ago I got behind on my mortgage because of an account the charge on my bank account with out permission and caused a domino effect with checking account payments. I paid my mortgage to ditech and make arrangements to pay and additional amount to catch up. Despite that I received letter several time a week calls and a man knocked on my door and left a Mortgage Due letter on my door. I spoke to a representative who took my complaint about the harassing way I was being treated and she apologized. Because of caring for an elderly parent out of town, I did not make it home in time to pay my XXXX mortgage. I 've attempted to call Ditech multiple time to to make the payment because they will not allow you to pay online unless you pay the full amount. I 've had no call back by XXXX XXXX who received all mu calls on voice mail. Online my bill reflect XXXX unapplied amount in addition to XXXX late fee and XXXX mortgage that I have been trying to pay. What is XXXX unapplied I 'm not going to pay so unapplied amount I am not owing. No one answers XXXX it goes to a voice mail for XXXX XXXX XXXX and he never returns the call. I have been humiliated not being one full payment behind. My payments are XXXX I agree XXXX is due per the letter they send. But if I ca n't pay online unless I speak with someone. The automated line will not accept less then the due. That amount is not right. Charges that are applied as unapplied can not be legal. Please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC. XXXX
Consumer complaint received 2017-10-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

The basis for my dispute is " Capital One Auto Finance '' Capital One Auto Finance was required to notify me prior to, or no later than 30 days after furnishing the negative information to credit bureau report XXXX XXXX XXXX, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with this requirement, which is a violation of the FCRA & FDCPA. 

Also, Capital One Auto Finance failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the XXXX, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Capital One Auto Finance is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Health Services Asset Management, LLC. (CA)

I had an illness that required care and I did not have health insurance at the time. This left me with a {$2600.00} medical bill. After missing payments on it, it went to XXXX or Health Services Asset Management. Upon receiving a letter from them I spoke with a representative there to set up payment arrangements. I was told the lowest monthly payment I could make would be {$200.00} XXXX which is still quite high for me XXXX. It was XXXX 2017 since I have been paying this amount. I did not receive monthly bill request by mail. I was instead instructed to pay the previously stated {$200.00} " around '' the XXXX of each month. I twice had paid them on the XXXX and they said it was no issue. Well last month I was a little later then the XXXX and I finally received something in the mail from them. It was an order to pay the entire amount of {$2300.00}. I was in shock how my {$2600.00} bill could still be so high! I had been paying on it for XXXX months. Upon looking at the bill it stated that of the {$200.00} I am paying every month they are charging {$140.00} in interest. Meaning only {$60.00} of the {$200.00} is going to principle. This interest rate seems EXTREMELY high. How can this be legal?
Consumer complaint received 2024-08-14
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. (TX)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : Unknown Balance : {$650.00} ACCOUNT NUMBER : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinberg Mediation Group LLC (AZ)

On several occasions a person that works for Weinberg Mediation named XXXX XXXX has called my phone and leaves messages regarding helping with litigation for my son. The latest phone call today this person stated in a voice mail, my son 's name, last XXXX of social, complete birthdate and my home address which is not my son 's address. Stating that they were now going to serve the pending litigation to this address. 
I would like these calls to stop and they be held liable for repeating secure private information to me. I have the voice mail saved and will forward upon request.
Consumer complaint received 2024-08-14
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletions listed IMMEDIATELY!
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no clue who 's address this is.. why is it on my personal information. I jave never lived at this address or know anyone. 

I am afraid someone might be commuting fraud with my name from this address. Please take this off my personal information!!
Consumer complaint received 2024-08-13
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. (TX)

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is essential for consumer reporting agencies to fulfill their significant responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I am entitled to ensure that my private information is protected, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information. 

Equifax, XXXX and XXXX are consumer reporting agencies, and the OAG CHILD SUPPORT is a financial institution as defined under this title. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have not given my consentverbal, non-verbal, written, implied, or otherwiseto Equifax, XXXX, XXXX or the OAG CHILD SUPPORT, and I am hereby revoking any and all previous consents. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution may not disclose nonpublic personal information to an unaffiliated third party unless the consumer has been informed of their right to opt out of such disclosure. The OAG CHILD SUPPORT has never informed me of my right to exercise this nondisclosure option. 

Additionally, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse information in a report if it is more than seven years old, except in the case of criminal convictions. The account in question is an adverse item being reported without my permission, which is unlawful. Furthermore, 15 USC 1681s2 ( A ) ( 1 ) ( A ) prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Finally, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. Equifax and XXXX are failing to maintain such procedures. Additionally, 12 CFR 1016.7 states that a consumer may opt out of reporting services at any time. I am hereby exercising my right to opt out of your reporting services.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AZ)

Convergent Outsourcing Inc is harassing me about a debt allegedly owing to XXXX XXXX XXXX XXXX XXXX, NV. 
During an 11 month stay in XXXX XXXX, I used XXXX XXXX for about 11 months. I bought a TV and my own modem and router at XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively ( Exhibit D ). 
I hooked up with XXXX for XXXX and XXXX service. XXXX withdrew their monthly bill from my bank account for the next 11 months. 
Shortly before I left XXXX for good, I contacted XXXX to get the amount for my final bill ; it was {XXXX. I personally drove to their office, paid the XXXX} XXXX Exhibit E ) and handed over their equipment consisting of the " top box '' ( converter box ) and the handheld remote. I was assured that I owed nothing further. 
Now they ( Cox ) seem to claim that I purchased a modem from them. Why would I buy their modem ( I had my own ) and why was that modem allegedly bought AFTER my final payment? What took over XXXX years to engage a collection agency? Is n't there a statute of limitations? I have not seen a sales slip, nor an invoice, nor a proof of delivery ; nothing. Convergent claim the debt is valid ( Exhibit F ), twice, but have not produced anything other than a XXXX  ledger sheet. 
Convergent Outsourcing do not want to listen to my explanations ( Exhibits A, B, C ) and keep on harassing me despite telling them, please, not to.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (CA)

I opened a business checking with kabbage on mid XX/XX/2021, I have more than {$12000.00} in the account on opening, the APR were 1.10 % with {$300.00} opening bonus. On XX/XX/XXXX, kabbage paid only $ XXXX on interests, the calculation is wrong ; I deposited another {$25000.00} on XXXX, but the interests they paid on XX/XX/2021 is only {$14.00} with my opening bonus, the calculation is so wrong. I started calling on XX/XX/2021, almost daily, I got transferred around or being put on hold for hours, no one can assist me from Kabbage, their representative XXXX and XXXX calculated the interests with me together on the phone, the mistake is obvious, but they dont have special department to correct this problem. Today, I got a phone call from kabbage, I called back, the representative said the calculation is correct, I calculated with that person on the phone together, he eventually agreed calculation was wrong, but he doesnt know what to do and can not help me. Its been almost two month, no one can help and give me a correction!
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (UT)

my wife and I both have American Express Cards. We pay on time always the bills we receive from them. Yet sometimes we receive late fees charged to us. I believe that AMEX is not crediting according to the postal date or even near it. I believe that these late fees are fraudulent and a way to increase revenue and income. The CFPB should investigate this matter and require that AMEX refund fraudulent late charges.