davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Servicing ( SPS ) received a Request for Mortgage Assistance ( RMA ) from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. The RMA required my first payment in XX/XX/XXXX in the amount of XXXX, I made the payment, but could not pay any other bills, the second payment was in XXXX in the amount of XXXX the principal. When I tried to make the third payment SPS closed my access to the customer portal and I could not make any other payments, SPS immediately forwarded my property to the foreclosing attorney. They scheduled the foreclosure for XX/XX/XXXX. I told them the XXXX was too high and I needed them to give me a more affordable payment plan. Instead they sent me a repayment plan for XXXX more than what I was paying this is bad faith, unfair dealing and unconscionable contract. I have received ( XXXX ) foreclosure notices and a higher monthly mortgage payment. I know that SPS can give me a more affordable in-house mortgage. 
I have conveyed to SPS, that I do not desire to lose my home of XXXX years. And for this reason I am in need of your assistance in getting a stop to the foreclosure and affordable monthly payment. 

I went into the notices in the customer portal and found a notice where SPS stopped all further Foreclosure proceedings, until further notice. But I still do not have an affordable monthly house payment. My house payment was only XXXX, now they have it at XXXX two-thousand dollar per month increase.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

CITI bank notified me on XX/XX/XXXX via email that my credit limit decreased due to a lower XXXX  score. In XX/XX/XXXX, my credit card limit was {$13000.00}, with {$1400.00} available credit. In XX/XX/XXXX, the credit limit was reduced to {$11000.00}, with {$81.00} available credit. The decrease in the credit limit will now put me over the credit card limit when the interest is applied monthly. 

I spoke with several customer service reps on XX/XX/XXXX, that the decrease in credit limit would cause me to be over the credit limit when interest is applied. Despite being a customer since XXXX with a clean payment record, CITI offered no solution to me except to pay an extra $ 150 monthly to avoid exceeding the credit card limit, causing undue financial strain and harming my credit.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (RI)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (LA)

Credit karma said I had excellent chances of getting pre-approved for a credit card and more then once this happened a hard inquiry was made to my credit report because of it and I didnt even get approved for the card and I was supposed to be already pre approved my credit score suffered drastically over this false information
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (TX)

This company has opened an account in my name / misinformation / inaccurate and no validation and continues to ignore my requests to remove it. 

As of XX/XX/XXXX ; I submitted a request for verification and a certified letter on XX/XX/XXXX ) validation of this acclaimed debt ; and have not received any documents to this date. 

Thank you for your immediate attention. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

For Years beginning in the year XXXX, I had service with XXXX XXXX. I always called in my monthly payment and I was asked each time if I authorized payment. I then closed my storage and account. XXXX XXXX then asked if I would make another payment due to cleaning of unit was in dispute. I said NO you can not have anymore funds and that was the end of conversation and I hung up. Chase Bank then allowed money to be removed from my account. I opened a dispute as unauthorized and was given a temporary refund pending outcome of dispute.Chase then made a ruling in favor of XXXX XXXX. I contested this decision over the Phone with Chase Bank and 3 times now have been told that a copy of my authorization would be sent to my address. I have not received any documents to support their claims that I authorized payment. Each time I call Chase I get the runaround. I have suffered from this financial loss. This is theft and fraud. XXXX XXXX, Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Please Help me get my money back. Thank You. My mother once asked what " Chase '' in Chase Bank stood for and I told her that " Chase is what you will have to do to get your money ''. I was right. Uploaded are Chase account. #. XXXX XXXX lease ( face sheet ). ( Note Could not upload )
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I spoke to XXXX people at TransUnion. I had a simple question : why is my credit score dramatically lower when I have XXXX % of the debt I had when my credit score was higher. 
They could provide no reason and repeatedly asked if I wanted to dispute any items on my report which I explained was not the problem. The first XXXX folks I spoke to at their overseas call center spoke English so poorly I had to ask them to repeat what they said three or four times.
Consumer complaint received 2024-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (AE)

I had a XXXX  early XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO XXXX, where I requested the coverage be confirmed prior to my appointment. I was told it was covered. I had my appointment, and was then told it wasn't covered. I emailed XX/XX/XXXX for them to re-file with my insurance. It was denied. I then called to speak to the billing manager, as I was told by someone in the office that I had a credit on my account from a previous overpayment from insurance. The billing manager told me the previous person was incorrect, and they were just going to keep the overpayment from the insurance and it wouldn't be credited toward my account. I asked that they re-file the claim with XXXX XXXX, referencing the fact that I break my back fillings often and that's why we went with a stronger option, and in lieu of that, since they received the overpayment, that they waive the balance on my most recent filling. I was told I would be contacted if there were any issues. I moved overseas with the military and was not contacted until nearly one year later - XX/XX/XXXX. I sent an email on XXXX with no response, stating I thought it was waived, why is this coming up? There was no response. I reached out on XX/XX/XXXX, and again no response. This is a failure on their part, and is not something that should still be pursued on their part. At this point, it seems like they are discriminating against the military - waiting until I am gone for an extended period of time and have little access to the stateside resources I would have once been able to access in order to help resolve this.
Consumer complaint received 2022-11-08
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)

I have sent letters reporting these inaccurate information in my report but I did not see any result, I did not receive any response and or any progress with my complaint.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently obtained my credit report and noticed several Hard Inquires to companies that I did not authorize. I initially reached out to Transunion and XXXX to notify them of the unauthorized access to my personal credit report but was met with little to no assistance. Both CRA kept insisting that I claim that I was a victim of fraud in order to transfer me to the Fraud department. After several attempts, I succumbed to the pressure and had them put a fraud alert on my credit file, which still did not resolve my issue. 

I was advised that Hard inquires can not be disputed through the CRA but through the individual collectors themselves. I then contacted the creditors via phone and certified letter only to be told that they did not have any accounts open and my name, therefore could not provide me a written letter to send to the CRA for deletion. I 'm hoping by filing a complaint here, I would be able to rectify this situation and have those unauthorized inquires removed from my credit file.
Consumer complaint received 2023-02-17
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. (GA)

Improper spelling of my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2023-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

On XX/XX/2023, I purchased a puppy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After deciding which puppy to take home, XXXX XXXX, XXXX of the employees at XXXX XXXX helped me. He said I was approved with XXXX XXXX XXXX and my payment would be roughly XXXX XXXX monthly for 12 months which seemed amazing. I filled out the stores contact and agreed to everything. While agreeing to XXXX XXXX  XXXX  it was something totally different. After I got home I noted the awful news! XXXX XXXX XXXX contract stated I would make payments of XXXX XXXX bi-weekly for 12 months and the interest rate came to 179 %. I got a hold of easy pay finance and stated I agreed to something different at the store, they told me to contact the manager at XXXX XXXX. I quickly contacted the manager XXXX XXXX as he informed me he was not able to help and he lack communication.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Spoke several times to agency at XXXX XXXX XXXX XXXX XXXX regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XX/XX/2023. The account was not delinquent for XX/XX/2023. A payment arrangement was in place ahead of time.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I am a Florida resident who was sued by Linebarger Goggan Blair & Sampson , LLP. 

The attorney, XXXX XXXX, served me a summons and took me to court without my knowing. She said I had no defense. She said I owed XXXX in toll debts and that if I didn't sign papers immediately there'd be a bench warrant out for my arrest and my wages would be garnished. 

I missed a payment because I had to pay rent and they tacked on lawyers fees and now I owe even more. They send me letters saying I need to pay now even when I've already paid. 

I feel like this is illegal and predatory and that I'm being absolutely bullied by this company with no defense. Especially given that they have not produced any proof they actually bought the debt from XXXX XXXX, the original debt owner. 

Linebarger Goggan Blair & Sampson, LLP have effectively ruined my life and forced me into considering bankruptcy.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (GA)

I filed a fraud/scam complaint with Regions Bank for {$500.00}. This claim was denied because of lack of documentation. I resubmitted with documentation. The bank denied it again and told me to resubmit the claim again hoping to get a different person to review and approve it. That sounds absolutely bonkers to me. The bank sees me a small nuisance. Im not a large depositor so theyre mistreating me. I have never submitted a claim to them before. They need to help, not kick the cam down the road. Claim # XXXX
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates (CA)

XXXX notified me on XX/XX/XXXX, that a loan of {$3200.00} was posted onto my account and sent to collections. I quickly called Lewis Mcdonnell & Associates on that same day ( XX/XX/XXXXXXXX  ) which I spoke to a representative named XXXX. I tried to get information about what kind of account was created such as what name was used, date of birth, phone number, etc,. XXXX confirmed that there was a loan taken out with a name similar to mine, then XXXX asked me if my birth year was XXXX, and if my phone number ended in XXXX which I stated it is not. I told XXXX the reason for my call was to get more information on an account that was created using my social security number as I have no affiliation towards them and never took any kind of loan out with them. XXXX provided me information on how to dispute this incident as identity theft but as she was giving me more and more advice, she then began to become less helpful, ultimately hanging up the call. I contacted XXXX right after that phone call to file a dispute and to also update my information such as my name, date of birth, and also locked my credit. The dispute I filled with XXXX on XX/XX/XXXX, was completed by XX/XX/XXXX. However, Lewis Mcdonnell & Associates claimed that the information they have is correct. As a result, XXXX could not remove the collection debt out of my account. I sent a validation dispute letter to that company on XX/XX/XXXX, and gave them 30 days to provide me the information they claimed is correct but till this day, XX/XX/XXXX, Ive received no information or feedback from them at all.
Consumer complaint received 2021-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (SC)

I was never sent any statement or updates in regard to a debt with the company Carter- Young XXXX XXXX . I was told I would receive a statement with final balance to ensure I was aware to make the last payment owed. Called the company to inquiry and was unable to obtain balance information. After seeing the report of a collection for this company I called to pay the debt and informed the representative I never received a balance before now and asked for them to verify how i was informed prior to the collection. They were unable to provide proof and stated with the balance paid they would remove the collection from my credit report ( XXXX, XXXX  and XXXX ). At this point collection has been paid in full and they have not removed the collection from the 3 credit reporting bureaus.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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. 

1, XXXX XXXX Acct # XXXX XXXX, XXXX XXXXe Acct # XXXX XXXX, XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-12
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. (SC)

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. 

1, XXXX XXXX Acct # XXXX 2, XXXXXXXX XXXX Acct # XXXX XXXX, XXXX XXXXXXXX XXXX Acct # XXXX 4, XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-21
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: Experian Information Solutions Inc. (AL)

Several accounts on my credit report are fraud opened account. Please look at the attached documents. Experian will not remove the fraud accounts even though I have provided proof. Please delete this stuff.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

his letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

Credit Corp reported various account that they claimed I owe as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!