davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
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. (LA)

TRANSUNION IS LYING TO ME AND NOT READING MY COMPLAINT. I HAVE 1 HARD INQUIRY ON MY CREDIT REPORT BY XXXX XXXX-XX/XX/2019. THE ORIGINAL CREDITOR SENT ME A LETTER STATING THE INQUIRY WILL BE REMOVED AND PAID ME {$50.00} FOR THE MISTAKE. 

On XX/XX/2019, i sent that letter to TransUnion through the CFPB and they responded the Inquiry was verified through the creditor and is factual, which will remain on my credit report for two years. THAT IS A LIE. They do this every time. They said the same thing before for items that was ALREADY DELETED!!! 

THIS IS MY FINAL REQUEST TO REMOVE THE HARD INQUIRY BY XXXX XXXX ON XX/XX/2019.
Consumer complaint received 2019-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was a bit behind on my mortgage, when I went to the website to pay the amount past due it only gave me the option to make two or three payments, not the monthly regular amount. So I sent a check instead filled out with account number and all the particulars, but they never cashed it. I sent several emails using the secure messaging on their website, the response to my email was simply " Our website requires the total amount due to be paid when submitting a payment. 

Since your loan is not current at this time, please contact our Consumer Counseling Department directly at XXXX Monday through Friday between XXXX to XXXX XXXX XXXX XXXX to discuss possible payment arrangements ''. 

A week went by and the check was still not cashed. Then on a Saturday there was a man outside my house taking pictures. When confronted, he said " your mortgage company has been trying to contact you, and I am supposed to give you this letter ''. It was just a payment demand letter. But I just paid! My message back to them is as follows : " You will not correspond with me electronically. You have not cashed my check. You've sent someone to my home to intimidate me. This is egregious. '' They escalated my complaint. In the interim I have sent another check and that check has also not been cashed. What possible reason would they have not to process payments? I'm nowhere near foreclosure, I don't understand why they did this.
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-11
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: AES/PHEAA (LA)

My credit was pulled and Fed Loan Servicing reported 90 day late in XX/XX/XXXX and was reported on XX/XX/XXXX. This account was closed and transferred to a different company in XXXX. 
I called Fed Loans was told I had 11 90 day late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

My children was in college in XXXX and XXXX. I should have had in school deferment. 

My file was updated XX/XX/XXXX and I do not have account with Fed Loans
Consumer complaint received 2020-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

Notice for Proof of Claim Account : Southwest Credit System, LP  BAL {$420.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was  manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill,  or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

My loan servicer, SPS servicing, is refusing to remove PMI at the automatic payment termination date. My loan is current, with no missed payments, There is no 2nd mortgage. XXXX is at 77.89 %. Closing docs show last PMI payment is XX/XX/XXXX21 Company is refusing to remove PMI and forcing me to pay for a BPO to estimate value. 

My original loan documents signed at closing show that last PMI payment is XX/XX/XXXX2021. That payment has been made, and I am being charged again in XXXX. Company told me they will not remove PMI without paying for BPO and that they are not required to, and there is no such thing as automatic termination of PMI. 

I have met every requirement for automatic termination of PMI and loan documents show it is to be terminated. They are not abiding by the terms of my loan.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1100.00} XXXX  XXXX {$350.00} XXXX {$1000.00} XXXX {$390.00} XXXX {$630.00} XXXX {$2300.00} USDEPTEDXXXX {$4000.00} USDEPTEDXXXX {$1700.00}
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/XXXX I was scammed by someone pretending to be my bank ( XXXX XXXX ) into sending a wire transfer of {$18000.00} when i thought i was filing a claim to stop a fraudulent wire transfer. 

Within XXXX hours I realized the scam/fraud and had worked with my bank to reclaim the wire transfer and change over all of my compromised accounts/ cards. My bank is claiming that they submitted to reclaim the wire as soon as they recognized it as fraud on XX/XX/XXXX but have not received any kind of response from the other bank ( Citizens bank ). They made the second attempt today, XX/XX/XXXX, to reclaim the wire and have not heard back. They are saying that they have to hear back and that Citizens will only allow the reclaim to go through if there is money in the account. How can it be allowed for Citizens to just sit on this and not do anything? 

Its been 5 days since the initial wire. The money is probably gone since these people seem to know what they are doing. This delay in action or lack of process around stopping/ holding the wire transfer as soon as unauthorized transfer is noted is going to allow both XXXX XXXX and Citizens bank to get out of this with no positive resolution for the customer.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (AZ)

THIS IS A COPY OF THE COMPLAINT I FILED WITH ELAN FINANCIAL SERVICES : This is a complaint : I first began using my card in XXXX I set up autopay to pay off my card for the first time onXX/XX/2020 for the balance due THE COMPLAINT : Fidelity user interface is OPAQUE! I had no idea there was a past balance due because the Fidelity user interface does not provide enough statement information, such as prior balance. It just shows the balance. 
I unknowingly believed I was paying the full amount on time. 
I received a past due amount notice and I called Elan Financial services three times to resolve problems. 1. Confirmed I would not be charged a late fee and confirmed my credit report would not be listed as paid late. 2. I immediately canceled the scheduled payment and entered a pay today payment XX/XX/20 for the full amount. 3. subsequently, my credit card was frozen, unbeknownst to me, and a bill I wanted to pay was rejected after I cleared up the payment problem with Elan Financial Services . 
The Fidelity User interface is extremely poor. So bad, that in fact I'm considering canceling this account completely. Elan Customer Service is good ; Fidelity Credit Card User interface is user unfriendly and lacks transparency that I thought was required by law on credit card billing web interface. No other solution than " this needs to be changed '' is acceptable. 

The Fidelity user interface MUST clearly show past amount due, or late balance. 

I will be filing an online complaint with the Consumer Financial Protection Bureau regarding this matter. 

You may contact me directly at XXXX for further consideration regarding this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-22
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: EQUIFAX, INC. (OH)

I have some inquires that I don't recognize on my credit report. please delete the following inquires XXXX XXXX XXXX XXXX, XXXX, XXXX. This is a 604 FCRA violation please delete these unauthorized inquires I have never applied for any accounts with these above-mentioned accounts or companies.
Consumer complaint received 2020-08-22
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: Experian Information Solutions Inc. (OH)

I have two unverified accounts that I have already file a complaint about the inaccurately. 
XXXX XXXX XXXX, XXXX XXXX XXXX. I have some issues also with inquires that are not mine Please delete : XXXX XXXX XXXX, XXXX XXXX via XXXX, XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX via XXXX.
Consumer complaint received 2021-02-11
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. (MD)

Today is now XX/XX/XXXX, on XX/XX/XXXX, I sent in a letter to Transunion regarding incorrect accounts, false personal information and unauthorized inquires I noticed on my credit report. It is my understanding under federal law an investigation is required and shall be conducted before the end of the 30-day period beginning on the date the agency receives the notice of dispute. Under the Fair Credit Reporting Act, I will again note that my letter was sent on XX/XX/XXXX. It has now been over 50 days for this reason alone by law all disputed items must be deleted from my credit report. I would like to add that these accounts are incorrect, inaccurate, and violate my rights as a consumer.
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to CKS Prime Investments at XXXX XXXX  XXXX XXXX VA XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by XXXX XXXX Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and CKS Prime Investments has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NJ)

I am highly upset that American Express would close my card and report it to my credit report that is for XXXX  XXXX. I have been using this card for months with no problems and have made my payments. They have me in collections for $ XXXX when that is not the case. I need this fixed ASAP and my card reinstated.
Consumer complaint received 2020-08-22
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. (DC)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my credit that are not mine. I do not recognize these accounts and inquiries, and have never incurred debt with these creditors. I do not know where they came from.
Consumer complaint received 2020-08-23
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: FISERV INC. (AZ)

I requested a report from Telecheck in XXXX and later that month received such report dated XX/XX/XXXX. 

To my surprise, the report listed four different items, all dated XX/XX/XXXX. All were NSF checks to XXXX. I have been an XXXX XXXX member for 20 years, at least, and have/had no idea that one could write a check to XXXX or how one would do so. Worse, not only did the report list each of the four items as " NSF, '' but each carried an unpaid balance. 

I immediately called XXXX and was connected to several different employees in the Financial Department. Not one person could find anything negative on my account. I spent thousands of dollars a year at XXXX and would think that if I did owe a balance dating from XX/XX/XXXX, XXXX would refuse to let me continue to order without the matter being resolved. 

On XX/XX/XXXX, I sent a letter to Telecheck XXXX XXXX XXXX explaining that I had already spoken to the alleged Creditor who denied all knowledge of the debt. Under the FCRA, I invoked my right to have Telecheck verify and validate each one of the four claims within thirty days. I stated that if Telecheck could not provide me with any evidence or documentation, then they should immediately delete all references to these items. 

Today, XX/XX/XXXX, I received a message from Telecheck dated XX/XX/XXXX, which ignored the content of my letter and contained only an extremely comprehensive form to report forgery, counterfeiting and identity theft. First, the information they request is, or should be, in their possession. The form also requires me to do extensive work ( I.e., speak to my former bank and try to get a statement from that time, attach a police report, an FTC Identity Theft Report Affidavit, etc. ). It appears that Telecheck wants me to disprove that these accounts are mine instead of living up to their duty to perform an investigation. A simple call to XXXX, such as the one I originally made, could confirm that these charges are not mine rather quickly.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CT)

On XX/XX/2020, cash app notified me my account was closed due to a violation of their terms of service. I have read their terms of service and did not violate them. My funds in my cash app account were frozen. I contacted customer support and was told that the decision was irreversible and permanent and they were using their discretion to lock my account for any further withdrawals or transfers. I dont understand how a financial institution can operate in this way. I have attempted to contact the company through multiple channels and have received canned responses with no additional information. I would like to regain access to MY funds.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION BUREAU INCORPORATED (ID)

So I have a debt from XXXX that I was garnished for back in XXXX ... this debt fell off my credit and close like a year ago and is over 10 years old .... all of a sudden I get a court paper saying I'm going to be garnished..I never got and contact saying the debt was re opened ... I never got any paper or calls or even a chance to make payment arrangements just a paper saying I'm going to be garnished ... this feels illegal there has to be a way to make payments right? Shouldn't they have to have legally at least had to contact me and talk to me! Can you help I'm at a loss and can't afford garnishments this is wrong!
Consumer complaint received 2020-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

I have my son 's XXXX XXXX medical bill from " XXXX XXXX XXXX XXXXXXXX. '' .Date billed XXXX XX/XX/XXXX amount XXXX XXXX XXXX was born XXXX XX/XX/XXXX. This bill was paid insurance company " XXXX XXXX  ''. But collections agency " AR Resources inn '' trying to collect the debt from me again.I contacted the " AR Resources inn '' several times and explained that the debt was paid.
Consumer complaint received 2020-08-23
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: NRA Group, LLC (RI)

I have been disputing this collection on my credit report for months now. It was removed from XXXX   and XXXX  but has not yet been removed from my XXXX  report. This is catastrophic to my credit as it shows a much lower score than my other credit scores because of this collection. It also could be considered a form of defamation as it is looked upon negatively when I apply to places that pull that report. This is unbelievable and you can look at my previous complaints regarding the matter. XXXX XXXX has been sent all necessary information to dispute this situation and they are impossible to get someone on the phone with to discuss the matter. They just keep transferring and transferring and asking for more information when they are the ones that should accurately be keeping information. I will not pay {$90.00} that is not mine to pay. This is ridiculous and I'm getting fed up. Please investigate this company and the collections companies they are using. Anyone else they are probably out there paying for things that aren't even theirs.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

someone may have stollen my identity my address is : XXXX XXXX XXXX XXXX, PA XXXX please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX