davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Greater Collection Agency Bureau, LLC (KS)

the debt owed was {$430.00}. We received a call from another company saying they had the debt and we needed to pay it. I can't remember when they first made contact but they took the first amount out as follows XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00}, GREATER COLLECTION XX/XX/XXXX - {$60.00}, XXXX XXXX XXXX XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B FOR A SETTLEMENT AMOUNT OF {$390.00} THE MONEY WAS TAKEN OUT OF MY ACCOUNT THAT WAS SET UP THROUGHT THE COLLECTION AGENCY THAT TOLD ME THEY REPRESENTED XXXX XXXX. THE " COLLECTION AGENCY '' THAT FRAUDED ME OUT OF MY MONEY WAS GREATER COLLECTION AGENCY BUREAU XXXX XXXX XXXX XXXX NC XXXX PHONE NUMBER ( XXXX ) XXXX FAX NUMBER ( XXXX ) XXXX EMAIL : XXXX. THEY TOOK THE MONEY OUT OF MY ACCOUNT ON TIME AND DID NOT TAKE ANYMORE THAN WHAT WAS " OWED ''. THESE PEOPLE ARE A FRAUD!!!!!
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CO)

IQ International is attempting to collect a debt that is not valid. IQ International contacted me in XX/XX/XXXX regarding a balance that was purchased by them from the XXXX XXXX  XXXX. Upon receipt of their initial letter I immediately filled disputes with the creditor directly, as well as lodging several complaints against XXXX XXXX XXXX with the FTC and local regulators in both the State of Colorado and the State of California. I had lawfully terminated my lease at the XXXX XXXX XXXX per the terms of the lease ( failure to maintain a safe and liveable environment. I had provided management advanced notification of my lease termination via writing and within the timeframe my lease allotted. I also provided management at XXXX directly with both photographic and video evidence supporting my claims. Even though I had followed all requirements in my lease management at XXXX refused to abide by our lease terms and stated they would not honor the lease we had signed. I was not provided any invoice on move out and did not receive any further communication from XXXX until receiving a bill directly from IQ Data. No invoice from the creditor was ever sent to me advising of any balance owed. Upon receiving notice from IQ Data I immediately filled a compliant with CFPB. IQ initially responded to the complaint providing a invoice with no explanation for charges listed. Past the initial response I had received no further contact from IQ Data. Today XX/XX/XXXX almost 7 months after receiving the initial letter from IQ, after receiving no further follow up, invoices, or communication they placed the disputed account on my credit report.
Consumer complaint received 2021-01-22
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (MD)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. It feels to me, like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong person.
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have attempted to save my home from foreclosure for the past 3 years : I have {$200000.00} to pay towards my mortgage and I am getting no where with Select Portfolio Servicing : They say my investor XXXX does not participate in modification but I find information that states that they do : I just want to save my home.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (GA)

I applied for a card with CITI in XXXX of last year knowing I needed to replace the roof on my lake house and planning on using the 0 % balance transfer to help. I was approved for a card with a {$6500.00} limit. I transfered XXXX over to it. Then I proceeded to pay it down each month. This month I made a large payment that brought my balance down to {$1900.00} and some change, the day after clearing they lowered my limit to around {$2100.00} dollars. 
As a direct result of me carrying a high balance on that one card my credit score had been lowered due to the usage percentage, and when I made a payment to raise it back up they lowered the limit to make it worse than it was before. 
I contacted them via phone and was assured they would reinstate my old credit limit as I had never missed a payment and always paid more than the minimum amount and there was no reason to lower my limit. A few days later I received a message saying my increase was denied. 
I contacted them again today and they can offer no further help.
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP (MN)

US Bank ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) misdirected my bank statements to an unauthorized address in XXXX  XXXX, VA from XX/XX/XXXX to XX/XX/XXXX which is a breach of FDIC privacy law. US Bank claims they received an address change from the US Postal Service but I spoke with XXXX XXXX of the USPS Consumer and Industrial Contacts Dept. ( XXXX ) on XX/XX/XXXX who assured me that that as long as I continued to receive mail at the current correct address ( which I did ) that it could not be an official change because all of my mail would have been diverted to the other address in VA ( which it was not ). I spoke with XXXX XXXX at USPS on XX/XX/XXXX who checked their database and found no record of an address change and spoke again on XX/XX/XXXX with XXXX who also confirmed that no Change of Address was ever processed at the USPS. I then mailed an envelope to my own business address which was delivered by the US Postal Service on the following business day without problem or misdirection. I have been corresponding with US Bank XXXX Customer Service address in XXXX, WI since XX/XX/XXXX trying to resolve this matter by paying the principal balance ( {$670.00} ) on my Business Reserve Line of Credit and proposing a compromise on the interest ( during the period of time that my statements were misdirected ). I spoke with XXXX XXXX, Branch Manager of the local US Bank on XXXX XXXX XXXX XXXX ) on XX/XX/XXXX who indicated that he had authority to waive the interest charges and called his " boss '' for authorization but they declined to negotiate in good faith. My account with US Bank was closed in XX/XX/XXXX and no disclosure of an open balance on the Reserve Line was mentioned at the time. I was unaware of it since my partner XXXX XXXX primarily handled the account and has since died of XXXX. I acknowledge my fiduciary responsibility for the debt and have repaid the principal in full. They are denying any culpability by blaming the USPS for supplying the change of address which I never authorized and the USPS never processed.
Consumer complaint received 2021-01-22
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. (OH)

I sent off two two notarized dispute letters on 12/22/20 and 01/22/20. I have not received any update or results from this credit bureau and this investigation has taken over 30 days to resolve. Under the FCRA, if a credit bureau is unable to verify any information on a credit bureau within 30 days of receiving a dispute letter, they must delete the inaccurate information from a consumer 's credit report.
Consumer complaint received 2021-01-21
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. (TX)

I have made many many complaints to CFPB regarding a XXXX XXXX XXXX XXXX and fraud in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX XXXX XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief. XXXX XXXX XXXX XXXX has already deleted that information. The biggest problem with XXXX XXXX XXXX XXXX is they label all complaints as duplicate without any explanation so a consumer can not respond. The Credit Reporting Agencies have recently informed me XXXX  XXXX XXXX  XXXX  is sending explanation in the mail. THIS IS NOT TRUTH FOR TWO REASONS! I would hope the CRAs are smarter than this. Instead of deleting complaints, XXXX XXXX XXXX XXXX could very easily answered, explained, and more importantly just spoke and said something in the CFPB complaint. The second reason is they dont send explanations but more request for more information. See attached. In addition to not explaining their actions, XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report and private information that led to a forged loan. NOW THEY WANT MORE OF MY PERSONAL INFORMATION??!! I dont think so! This is very simple, XXXX XXXX XXXX XXXX refuses to send valid permissible permission to access my credit report that led to a fraudulent and forged loan in my name. The reason they dont send it is because it does not exist. XXXX  XXXX XXXX XXXX sent a copy of an undated and incomplete application as proof. XXXXmagine if one of their clients had sent them an incomplete undated document.
Consumer complaint received 2021-01-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: IOWA BANKERS MORTGAGE CORPORATION (IA)

I requested a forebearence on my VA loan with the Iowa Bankers Mortgage Corporation due to financial difficulties in paying my mortgage on time due to the coronavirus pandemic. OnXX/XX/, I received a notice that my mortgage was in deliquent status for the past 111 days and that I was being threatened with a foreclosure as well as being charged late fees from the Iowa Bankers Mortgage Corporation. They also failed to stop payments on my mortgage for the first month after I had requested the forebearence in XX/XX/XXXXXXXX. Their phone number is XXXXand their email is XXXX. Their mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IA XXXX
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/XXXX I receive a letter about a credit card debt from Resurgent capital services about an alleged debt on XX/XX/XXXX I send a verification letter asking them for proof and also stated the I did not want to be contact from the until the debt is verefied as mine. They continue to contact me after the letter was received on XX/XX/XXXX. 
This are all the date about email they were sent to me XXXX XXXX XXXX  via email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email ( XXXX XXXX XXXX ) XXXX XXXX  va email XXXX XXXX XXXX  va email They receive my letter on XX/XX/XXXX the keep contacting me via email on XXXX XXXX XXXX  ( day after letter was received ) XXXX XXXX XXXX  va email.
Consumer complaint received 2021-01-21
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. (TX)

XXXX XXXX XXXX XXXX XXXX, now known as XXXX XXXX , XXXX is trying to collect {$4800.00} for an account they seek for XXXX XXXX XXXX. I have already disputed this claim back in XXXX with all credit agencies. This is not my account. I did not live at XXXX XXXX. They continue to illegally place this account as a new, open collections account. I hired XXXX XXXX. in XXXX Texas in XXXX and the lawyer told me that this was illegal. It is now XXXX and these collection agencies keep changing names and the account keeps showing up on all credit agencies. I do not know what else to do, as this has already caused me much financial hardship. XXXX XXXX , XXXX has tried calling me, however I expressed that I would file my dispute in writing.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (HI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-08-23
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

Account Name : DEPT OF EDUCATION/XXXX  # XXXX - BALANCE {$2300.00} DATE OPENED XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - BALANCE {$3800.00} DATE OPENED XX/XX/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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The company is reporting an account XXXX XXXX XXXX that displays included in Bankruptcy but there's no open or active Bankruptcy reporting on the credit report! Accurate information must be included on all consumer reports or the file should be deleted immediately! I have previously disputed this account with Transunion on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. The company has exceeded the 45 calendar and business day timeframe allotted for investigations. Therefore, I am demanding that this item is deleted effective immediately. I will proceed with legal action if the item isn't deleted within 5 business days from the date of this complaint! 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

Accordingly, pursuant to the Fair Credit Reporting Act, please mail a copy of the full printed consumer report to my ONE mailing address that you have on file.
Consumer complaint received 2021-01-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Had a car through credit acceptance about 8 years ago car was totaled and insurance payed from what I understood, the dealer I purchased from died so I couldnt go back there ... I finally got the account closed and removed from my credit report and worked hard to build my credit back and they have now put it on bureaus again they are lying saying its new and Im still paying on a car so when I dispute it as being old it reposted back as accurate. I cant seem to get any help from transunion bureaus due to this falsehood to remove it. This count shows the age but they make it look as if it is an open account and that I am just late paying, it is fraudulent as the account was closed.
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2021-01-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I reviewed my credit report in found there was an inquiry for BOA on XX/XX/2020. 

I wrote Bank of America twice disputing the inquiry an requesting them to remove the inquiry from my credit Bank of America responded saying that had no evidence of inquiry however it is appearing on my XXXX credit report. 

Please review and remove inquiry from my credit report as I did not submit an application to Bank of America.
Consumer complaint received 2024-08-23
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

On XX/XX/2020 around XXXX XXXX. I got an email saying my account was closed. I didn't do this myself. I was a victim of fraud last month on this Chime account. I was given no reason why this happened an no access to over {$1000.00} in funds. No way to contact Chime via phone as the system is automated and would not let me get to anyone with my account being closed. I had to have my husband call in so I could get someone as he has a Chime account. The lady was of no help. She wouldn't let me speak and said you only can email about issues like this. I have emailed and gotten one response within 24 hours saying use the automated phone system which docent help with these issues. No live person to help me at all and no reason as why my account was closed without my approval. No my funds are held up for over 30 days and I have no way to pay for living, food, and transportation.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I call in monthly to make my payments over the phone. When I first began with this method, I realized quickly that I was constantly showing an overdue balance each month as a result of unpaid loan balance on a second page of loans that I was unaware of. As soon as I was aware that I had two separate pages of loans, I requested each time I called, to have my payment processed towards both pages of loans so as to avoid any late fees. 
They have repeatedly told me that they see this request in their previous notes, and that this should be done automatically by all employees, yet I am still having the same issue. I am forced to check my statements more than periodically and constantly afraid of missing another error. They seem to use this as a tool to coerce me into an auto draft plan which I am not interested in.