davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I was receiving XXXXt and b.o.a. set me up with XXXX XXXX accounts in which I only new about XXXX which had no deposits or transactions on XX/XX/XXXX I call them and find out I have XXXX accounts make story short I have over XXXX which I have yet to receive I made a police report and been patiently waiting. They say it's a process to get my money it's been XXXX  years. But they did send me a compensation check that the controller of XXXX XXXX XXXX made them give
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Upgrade, Inc. (VA)

Due to hardships including the XXXX XXXX XXXX XXXX XXXX and taking on the responsibility of her estate including her pets, as well receiving XXXX XXXX XXXX XXXX for myself, I fell behind on payments for the first time with any of my accounts with Upgrade in XX/XX/XXXX. Upgrade refuses to give me payment options for this account. I had turned to a debt restructuring program at around this time, This debt consolidator  is allowing my accounts to languish and is not settling in a timely manner, so I called Upgrade to discuss options on XX/XX/XXXX and XX/XX/XXXX. I was told both times that they can not speak to me because the debt consolidation company has a XXXX on my account and my only option is to remove from the account from the consolidation service then call them back. This is false. The document they were provided with is a Letter of Authorization and nothing in the letter prevents me from discussing my account with Upgrade. The operator I spoke with on XX/XX/XXXX ( XXXX ) admitted that they wouldn't even speak to the debt consolidation service until the account became XXXX  days overdue and the account has not hit that threshold at that time. XXXX appeared to be trying to push my account into default which is a detriment to my already difficult situation. I am requesting that they provide payment options so I XXXX choose on how best to proceed in improving my financial situation ( to either pay Upgrade directly and remove my account from the debt consolidation program AFTER coming to an agreement, or to let Upgrade know that I will be staying with my current debt consolidation program if I am unable to meet their terms upfront ) .I am also requesting that Upgrade does more train their employees on the correct way to handle situations like this other than to give consumers bad information to rush them off of the phone. 
I also contacted the XXXX  of XXXX  on XX/XX/XXXX to try and get a resolution. Upgrade ran down the clock with XXXX form letters that did not address my requests. The XXXX  closed out the complaint with the note : Answered-The business responded to the complaint, but the consumer remains dissatisfied. 
I made good faith payments on XX/XX/XXXX ( {$20.00} ) and XX/XX/XXXX ( {$20.00} ) to try to keep the account open until I could reach a resolution with Upgrade. I logged into my account today XX/XX/XXXX to try and make another payment. The sentence " Your account is charged off. To avoid your debt being sold to a third party, pay your amount in full '' is now on my account dashboard. The amount in full below it states {$2700.00}. I have not received any official notification outside of this display that my account was being charged off.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Inaccurate accounts appeared on my credit report this evening, and I have no idea why. I reviewed my credit report as I normally do, but there were unexpected discrepancies. Refreshing my browser didn't fix the problem ; the errors remained. Consequently, I request a thorough check of the documents I've sent to ensure this issue is resolved once and for all.
Consumer complaint received 2024-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (CA)

In XX/XX/XXXX, I got an invoice in the mail from my urologist, stating I owe him money from XXXX, XXXX, XXXX. I called XXXX XXXX office with the billing department and asked them how come they are sending me this invoice in XXXX for the first time after XXXX  years, for a debt that I don't think is mine. I reminded them that every time I went to see XXXX XXXX, I pay my co pay or whatever invoice they had me over. The lady in the billing department said that recently they switched to a new billing system and that the system said I owe them that money. I asked them to send me to prove that I owe that money by providing me an itemized receipt with codes, dates, service, copays and payment from the insurance and what they did is they sent me to a collection agency. I spoke with the collection agency and explained the situation, I asked them for the same itemized receipt i asked XXXX XXXX 's office. I need them to prove to me that I owe that money and they keep sending me an invoice, not the itemized receipt with billed codes. they have not sent me anything proving that I owe that money. I keep asking them not to call me until they send me what I asked for but they keep calling. I need this to stop. I sent an email to the collection company to the email listed in their letter, but it bounces back saying they are rejecting my email. I went to their web page and wrote them directly there asking them for the same. but they do not pay attention. they keep calling. I need them to remove me from collections and do NOT sell that note to anyone else, so i do not want to go through the same.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

We use Citibank for one of our credit cards. For almost a year, we were getting charged late fees despite paying the statement balance offered on the Make Payment page of the website. This amounted to almost {$1000.00} in late fees. It wasn't until, I believe, the third time my husband called that we figured out that the statement balance on the payment page does not match the statement balance on the printed statement. Any refunds we were getting in the new billing cycle were applying to our statement balance on the payment screen resulting is us paying less than the statement balance. The payment screen even says " This is the remaining amount owed to satisfy your last statement balance. '' which is absolutely false. The last woman we spoke to was going to mention this problem, but three months later and the same thing almost happened to me today, but now I know what I'm looking for.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MS)

I am receiving an excessive harassing number of calls and threatening messages from Midland Credit Management. Also, they have trespassed on my property and called 3rd party elderly family members disturbing them and distressing me as well when I am ill which is frequently since I am XXXX.
Consumer complaint received 2024-06-26
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. (MA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-21
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. (CA)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. 
The company has acknowledged this error and aware about my XXXX due to work injury and has committed to updating the status and do not report anything late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have sent a dispute on XX/XX/year> to TransUnion, XXXX, XXXX. In return I received a stall letter or or email from TransUnion, and XXXX, from XXXX I have not received anything from. From TransUnion The stall letter message was emailed to me XX/XX/year> XXXX Which I have attached proof, I received on XXXX XXXX at XXXX which has been attached as well. You will also see in my attached documents my disputes of the inaccurate information, asking for validation of said information. I have also attached a letter from the court clerk stating they do not report this information to anyone, as well I have included in my disputes proof of address, and my Government issued ID show that it is indeed me. Along with proof that it has been delivered, and how it is inaccurate on my credit report. I am requesting that this inaccurate information be deleted at once, as I feel like I have provided more than enough information. If this does not get removed. I will contact my lawyer and the federal courts to sue for damages and removal of this off my credit report.
Consumer complaint received 2024-06-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC (NC)

Dealing with loanDepot I was upfront with my problems. They were hiding what I needed to be done and didnt communicate well with me and its causing me more grief and heartache and aggravation and Im out {$600.00} and I want it rectified. Thank you, XXXX XXXX of North Carolina
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX ] for my credit card to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, auto loan, and/or mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter.
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: F&L Marketing Enterprises LLC (VA)

I tried to reach out to the company to make payments. The company is permanently closed and doesn't have a contact phone number anymore. This is one of the judgements on my account stopping me from getting my licenses and I need this resulted as quickly as possible. 

Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> shows status on XXXX XXXXXXXX  Court shows the judgement as Dismissed No Funds
Consumer complaint received 2024-06-21
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (NJ)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX Collection XXXX XXXX  XXXX XXXX Info Employers XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears again that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files.
Consumer complaint received 2024-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

During my college years XXXX at XXXX XXXX , I received both federal and private loans. The private loan was given for me to attend summer school, for this loan i had to find a co signer. Once I graduated payments started right away, and I began paying them noticing that the amount seem very high. I requested student loans help with payment due to change in my job situation we were moving across states. I was told the private loan could not qualify unless I paid {$50.00} per month. Fast forward to trying to purchase my own home, navient did not notify me that the {$50.00} forbearance request had not been received so it sent to the creditors and greatly reduced my credit score when trying to buy a home. It greatly affected me and I was not able to qualify for the reduced interest rate due to this horrid situation. I have overpaid for my mortgage due to this hit to my credit of $ XXXX per month since XXXX and I was unable to have this resolved. I requested this to be removed from my credit, for some sort of help or solution. Also with this private loan, the interest rate changes so often XXXXd got up to 10 %! Almost unaffordable and after paying it for several years ( 10 ) I still owed the same amount as when i started which was not transparent. I then eventually paid it off, however it has caused my great stress. I also had federal loans that I still have from XXXX, paying and going back for an additional degree to try and make more money. I tried to inquire about income based options and was told that I did not qualify the only thing that was available was forbearance in which the high interest rates would still be charged,. Please help