davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

On XX/XX/2023, I check my Equifax, XXXX, and XXXX After revising my credit report from all credit bureaus the information about an bankruptcy has Inaccurate information from all 3 credit bureaus. 


On XX/XX/2023, I sent out letters to the 3 credit bureaus to remove Inaccurate information from their systems and other third parties. according to the 15 USC 1681. The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1679c ( a ) - Disclosures The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.
Consumer complaint received 2023-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MI)

My son went to XXXX XXXX at XXXX XXXX XXXX XXXX  in XXXX of XXXX XXXX XXXX submitted my insurance information incorrectly, charged me {$40.00} for a copay and a few weeks later I received a bill in the mail for about {$140.00}. On XX/XX/XXXX, when calling XXXX to have them resubmit to my insurance company they refused to talk to me citing HIPAA as the reason and hung up on me. 

About 1 week ago I started receiving daily calls from Transworld Systems Inc, trying to collect on a debt I owed to XXXX. They wanted me to validate my DOB, Address, and other personal identifiable information which I was not comfortable to exchange on a unsolicited phone call. They referenced XXXX which was paid by my insurance company in XXXX and when I talked to XXXX they said they actually owe me money ( {$35.00} ), not that I owe them anything. Transworld Systems calls me daily and threated multiple times to continue to call me until I verify information with them.
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio recovery services refuses to provide me with debt validation letter stating its last 30 days I dont remember receiving anything from them on this debt. And to my recollection dont owe this debt and have continued to call over debt after stating they wouldnt send letter
Consumer complaint received 2023-05-30
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. (GA)

I am requesting that you will reinvestigate the incorrect accounts on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (AZ)

American Express has a platinum charge card of which I've never missed a payment. Because I'm not using the charge card as they completely desired but still within the legal scope of which I'm allotted per their contractual agreement they are financially squeezing the account causing various malicious and malinformed reports for example they're making it seem like I'm using 100 % of the borrowed some but it's because every time I make a payment they lower it. They also are declining charges because of this algorithm and refused to review it or let me speak to somebody about it. I'm following their contract to the t. That's in addition to they're double dipped interest fees that no one for some reason has claimed in a class action lawsuit but that's beyond me. I have never missed the payment and have followed their instruction and their rules and regulations but they remain uncooperative.
Consumer complaint received 2023-05-29
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. (MI)

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 XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which 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.
Consumer complaint received 2023-05-29
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. (MD)

XXXX XXXXXXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions. 

CFPB has already investigated and results were to be removed off XXXX XXXX my credit report however its is still showing on XXXX XXXX trans union
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2023, I was inhumanly coerced to send XXXX XXXX dollars ( {$2000.00} ) to a Zelle account of a user I did not know. Again, on XX/XX/2023 I was inhumanly coerced to send XXXX XXXX dollars ( {$2000.00} ) to another Zelle account of a user I did not know. On XX/XX/2023, I submitted two ( 2 ) transaction disputes via my financial institution XXXX XXXX. On XX/XX/2023, I received a phone call and was threatened to be " sued '' and " killed '' if I did not cancel the Zelle disputes. On XX/XX/2023, I called XXXX XXXX  and cancelled the disputes out of fear. 

On XX/XX/2023, I opened a XXXX XXXX account. On XX/XX/2023, I received five ( 5 ) notifications that someone attempted to use my identification/personal information with XXXX XXXX XXXX I also discovered on that day that someone opened a credit card with XXXX XXXX XXXX XXXX  under my name with my identify/personal information. The date the credit card was opened was on XX/XX/2023. I did not open this credit card and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX XXXX XXXX  I have already notified XXXX XXXX XXXX XXXX  of the account being unauthorized. 

On XX/XX/2023, my financial institution XXXX XXXX  closed my bank account completely. On XX/XX/2023, I received a phone call from XXXX XXXX  informing me of suspicious activity being made with my account. The date the account was opened was on XX/XX/2023. I did not open this account and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX. I have already notified XXXX XXXX  of the account being unauthorized. 

I discovered that Zelle completely closed my account as well.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just opened this card in XXXX, but never received the card in the mail. I called the credit card company to request a new card be sent because I never received the first one. The credit card company said they were sending me a new card and were waiving all late fees. Once I got my credit card in the mail, I then made a credit card payment of my full balance minus the late fees because they said they were waiving the late fees. I even called a second time to make sure all of the late fees were being waived because it had been a couple months since I opened the account. They assured me they were waiving all late fees. Yet, then they reported a {$55.00} late fee as a missed payment to the credit bureau. Its the first missed payment that Ive had reported to the credit bureau in my 17 years of having a credit card. This late payment reporting reduced my credit score overnight by over XXXX points. I called the credit card company again after I saw this late payment posting, and they removed that late fee, but refused to remove the late payment reporting to the credit bureau.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

i received a letter from citibank regarding debt protection which i never enrolled in because if i did i would have certainly used it but the link for the refund is not valid and there is no other information to contact them on the letter I would like to file for this refund  XXXX   XXXX
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo bank check dd XXXX XXXX, XXXX {$30000.00} after I delivered to post office inside at XXXX XXXX XXXX on XX/XX/XXXX check was stolen and altered payee from XXXX XXXX XXXX Tax collector to XXXX XXXX and cashed at XXXX XXXX  in XXXX TX and paid from my acct on XX/XX/XXXX. I found it on XX/XX/XXXX after I received penalty notice from the county Next day I reported to my bank. WF bank said it's my responsibility to review my statement monthly and claim within 30days. I had complained to bank many months they stopped monthly statement. WF bank stopped and even I repeatedly request paper statement like before ( I am over XXXX yrs old and prefer only paper statement ) they recognized my acct has online and paper but they never sent. On XX/XX/XXXX I called customer service and they told me they will send it in 2 packages for personal and business and they mailed me only business statement in XXXX XXXX, XXXX i had never received XXXX XXXX statement and WF bank doesn't show the copy of the check. I checked my balance and asked the teller to check $ XXXX check to tax is paid or not in XX/XX/XXXX and she said not worry it's paid. It was paid as forgery. This teller and cutomer service on XX/XX/XXXX both didn't recognize the check was altered. WF bank never investigate and help me. When I claimed on XX/XX/XXXX WF acct specialist told me not to worry it will be reimbursed by bank in 2-3 weeks. XX/XX/XXXX after 15days later I originally claimed I found it out they decided not to pay me after I claimed reply which WF said answer in 7-8 days. Nothing they can do said per branch manager. 
I am very very upset to their service. I don't know what to do. WF said alter check is 30days limit to claim. I was never given 30days disclosure since acct was opened. My new account booklet which I held over 10 yrs said only 60days after statement was delivered which is my case. I need help.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contacted Transunion on XX/XX/XXXX at XXXX and spoke with the Fraud Department about 4 unauthorized inquiries that were on my credit report. The 4 Unauthorized Inquiries are : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have tried speaking with Transunion and they would not help correct my file by deleting the unauthorized inquiries reporting to my credit report.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (TN)

my rights have been violated by XXXX, Equifax, and XXXX on XX/XX/2023 I submitted my Victim Determination Letter along with the rule attached to it along with the list of adverse items to be blocked in 4 days. I received a response that has nothing to do with what i submitted to them and that same adverse information is still parked on my credit without my permission. List of violations are adverse information not being blocked 4 days per the final rule on victims of a severe form of XXXX XXXX debt parked on my report to coerce payment from me, not in agreement with their membership contract to uphold state and federal law.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit ReporXXXX 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 The following account is not mine 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  i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

Under Sec. 602 " I Have A Right To Privacy ''
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

In 2019 GM Financial received an insurance payment of {$13000.00} from XXXX XXXX, and an additional check from XXXX XXXX XXXX for {$12000.00} to pay off the XXXX XXXX XXXX, I had financed with GM financial . Since then, they have placed the vehicle back on my credit score as a charge off. I have had it removed multiple times. But they keep placing it back on my credit report. Ive disputed it, and now they placed it back on my credit report as a charge off again! My credit score plummeted XXXX points as of today. GM financial refuses to properly reflect the vehicle paid off. I dont know if my next step is to get an attorney?
Consumer complaint received 2018-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Financial Services, Inc. (TN)

I have no recollection of this account and what I am being charged for. This account is reporting that I owe over {$1000.00} for a procedure that I don't remember getting or never received paperwork or mail about a debt owed for a procedure. I would like a copy of the contract I signed and a breakdown of what I owe this for. In addition to that I would like for this to be removed off of my credit.
Consumer complaint received 2017-05-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SYNERGY ONE LENDING, INC. (CA)

I WAS DOING REFINACE WITH COMPANY BECAUSE A I HAVE VARIBLE RATE AND TRY CONVERT MY LOAN  XXXX  YRS FIXED, THEY TOOK FOREVER NO RESPONSE SO I TOOK DOCUMENTS FROM THEM AND HIRED SOMEONE ELS TO DOIT AFTER THAT THEY GET MAD CASUE I DID NOT FINISH REFINANCE, AND THE GIVE BAD REFERRALS TO OTHER COMPANY I SPEND  XXXX  FOR APRASSAILES DID NOT COMPLETE REFINANCE THANKS TO THIS PEOPLE AL BAD REFERENCES NOW I GOT STUCKED WITH MY LOAN CAN DO NOTHING ABOUT
Consumer complaint received 2018-05-28
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: I.Q. DATA INTERNATIONAL, INC. (TX)

I was a tenant of XXXX XXXXXXXX XXXX located in XXXX, TX until XX/XX/2017. During the time that I was moving out, it was in the height of the recovery efforts due to XXXX XXXX. The office hours to the complex were erratic at best and everyone had much on their plate to deal with. I notified the apartment manager of my intent on moving out verbally and she stated that she would handle it. 
A few months after I moved out, I received notification that I was in violation of my lease from a credit company. The credit company stated that the violation was due to not giving notification that I was moving out. They stated I owed {$1000.00} due to the violation. I then requested an investigation from both the credit company and my apartment complex. The credit company stated they did an investigation and were told I did notify the complex I was moving but later recanted the move out which is false. I never recanted. The complex told me that they would investigate and contact me. The contact that I had through the complex never called me back to let me know the outcome. After attempting several times to contact her, she emailed me to let me know I would have to file a complaint through the fair housing to seek recourse. This made no sense to me and questioned her credibility as to the thoroughness of her investigation. 
I feel as if they are reporting that I violated a lease without any credible evidence that I did so. Moreover, the credit recovery agency are harassing me for money that I do not owe them in lieu of the apartment complex. 
I do have emails, phone records and documents to show my attempts to remedy the situation prior to filing this complaint.
Consumer complaint received 2018-05-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

I filed bankruptcy XX/XX/XXXX to keep from losing my home. I have been making my payments without a coupon and just sending the payments to the addresses that I have for the company. My mortgage is with Amerihome Mortgage. I finally received a statement that my mortgage has gone from XXXX to XXXX in addition to my paying the trustee XXXX per month. This has put an extreme hardship on my current financial state. I have requested a Modification package on XX/XX/XXXX and again on XX/XX/XXXX and was told that they would be sent to me and nothing has arrived. Additionally I had one representative to tell me that they couldn't talk to me because of the bankruptcy. My home is now worth XXXX and my loan is XXXX. I don't want a HELOC I want to modify my loan to make it more affordable. I am doing everything I can to keep my home and they are refusing to work with me. I want the documents sent to me so that I can begin the process. I know it is the mortgage 'company 's responsibility to try to work with me and they are not. They will send me information from their attorneys but nothing to help me to keep my home. Please assist/advise.
Consumer complaint received 2017-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

On  XXXX   XXXX ,  2016,  I purchased/financed a vehicle with Kia  XXXX   XXXX   XXXX . During sell I was informed by in-house finance manager that I would be given 90 day deferred payment. Unfortunately, this has caused problems to date. My car was repossessed but I was able to retrieve car back but informed that I had to pay past due balances and fees. I should never had past due balance as I was supposed to have the 90 day deferment that was offered during original sale. I have attempted to dispute but have been unsuccessful. I should not be responsible for late fees, repo fees, or any additional fees. I need help to rectify this ongoing lengthy issue that I have already expressed to finance company customer service. Issue unresolved to date.