davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
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. (FL)

There are a few medical collections that my insurance is supposed to pay They are responsible not me I've reached out to all of them but they get rude and demanding. 
I was also involved in the equifax breach!!!! 

XXXX XXXX XXXX XX/XX/1961
Consumer complaint received 2022-10-14
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (OR)

Citibank Bank NA Issued 2021 Tax Year 1099 C Cancellation of Debt Debtor TIN XXXX XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX XXXX this the last 4 of my social security ) Citibank NA has no record from my identity by name address or social security There is no record of this debt on my credit report There is no account in Citibank by account number on the 1099 nor my social security number. 
The police were contacted yet unable to act since there is no suspect or account to act upon, only a 1099. This is likely an error in the credit card company I went to the IRS and the Police. Citibank has made an error or they need to verify the account and provide all historical statements to include money disbursed and collect from whom. What bank was used to disburse money and what type of account is this. 

Claim Number XXXX
Consumer complaint received 2022-04-20
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. (IL)

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 ACT # XXXX XXXX. XXXX ( NO PAYMENT HISTORY WHICH MAKES IT INACURATE ) ACT # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX 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 15 U.S.C. 1681 c. ( 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. 


XXXXALSO HAVE PROOF THAT THE COLLECTION AGENCY HAVE DECIDED TO NOT RESPOND TO ME BUT IS STILL BEING REPORTED. *
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (MN)

I had ben a customer with Wells Fargo in XXXX area for approx 20 yrs. I was unhappy about some of their banking practices, so I moved over to XXXX approx 2years ago. On approx XX/XX/XXXX I revieved a settlement check from Wells for a class action law suit for XXXX ( I will attach copy of this check ). I went into a local branch in our community of XXXX, MN on approx XXXX to cash. They refused to cash the check as the law suit against Wells was issued by " XXXXXXXX XXXX  ''. The branch manager XXXX # XXXX explained the corp procedure, but agreed it was not right, so he opened up a complaint to his corp hdqtrs ofc and I received a # XXXX with their consumer advocate team. Approx XXXX I called XXXX and was told to ask for XXXX. After 4 unreturned calls and over a week went by, I finally got in touch with a XXXX XXXX. She did tell me that she would research to help with cashing the check and call me back ASAP. On XX/XX/XXXX I get her phone call and she reads to me the procedure that I would have to open a account with Wells to cash or deposit at my other bank, but they refuse to cash at our local branch. This is consumer FRAUD! You settle a lawsuit and then refuse to cash the check???? Something wrong here, not worth getting an attorney, but I would like to see CFPB get on top of this as their regulator and force them to cash " THEIR SETTMENT CHECK '' Thanks XXXX XXXX
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX bank draft of {$2300.00} deposited via mobile 2 hours prior to XXXX EST cutoff. Autocheck hold posted next morning. 

1st CS rep told me to visit branch. 
Branch did not have enough reps to handle my request in a timely manner. 
Called CS while in lobby, transferred through 3 different people. 
Fourth person, as CS supervisor, advised me there is no way to confirm the funds and release the hold, will have to wait a week for my funds to be released automatically.
Consumer complaint received 2023-10-20
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (IL)

I check my credit online last week and saw 5 debt collectors. I have not been anywhere or have I used any credit because of being laid off. I'm not sure where this came from. However I was arrested in XXXX in 2017 and my license was taken away and I had to go to court! There was a man name XXXX XXXX. He impersonated me. This was not known until I went to court and the lawyer showed past arrest photos of " XXXX XXXX XXXX '' and it was all him. I found out he has my DL number, SSN, everything. 

Moving forward I do not even use credit cards and ONLY pay cash, so these accounts can not be mine. Whatever debt this is they need to view the picture of the ID to see if it is my face or that man XXXX XXXX. 

The account that I saw on my credit was The Bureaus Inc Account Number XXXX Even when I look on the credit report and look for information to contact the creditors both of these companies XXXX XXXX XXXX and The Bureaus Inc information is not listed. These company did not send any mail to my address and I have been at the same address for over 30 years. I just don't understand why this happen. 

Please hold them accountable for not verifying whoever used my information to get credit.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (FL)

In XXXX and in XXXX, I contacted Homepoint Financial to inform them that my direct deposits were not reaching my new bank and they allowed me to place my account in forbearance for up to six months. I only needed it until SSA, DOD, VA and OPM routed my retirement payments and death annuities to my new bank account. I also requested, to no avail that the late payment they reported be deleted as a goodwill adjustment and they had me send a letter to them and said my request would be honored. 

In XX/XX/2021, my account with XXXX XXXX  was accessed fraudulently on three occasions, forcing me to change banks since the response from the bank was not timely and they do not have branches to go into and are online only. 

All of my direct deposits had to be routed to the new bank. Prior to XXXX, when a late payment was reported, I had never missed a payment and payments for my mortgage were drafted automatically like clockwork. I sent a goodwill adjustment letter and it was not honored. No removal of the late payment, despite NEVER missing a payment previously was taken into account. I just got a generic letter. 

After four months of back and forth, in XXXX, all of my deposits were posted to my account and I called on XX/XX/XXXX to pay the entire balance due on my loan. My loan had just been transferred to a new lender so I called them, set up the account and paid the loan current and had them to take the account off forbearance. 

I have over {$300000.00} in equity in my home and want to do a HELOC. This one late dropped my credit score considerably, despite me paying all my credit cards to a {$0.00} balance. Now that I have a new lender, I have a chance for a fresh start and want the late removed from all of my credit reports as a one time courtesy.
Consumer complaint received 2022-04-20
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (OH)

Do NOT, I repeat, DO NOT! Get an auto loan through santander. I sent in a payoff check to pay off my loan in full when I refinanced with XXXX XXXX because I am a veteran and get a better rate with them, and was hit with a late payment. I called to rectify the situation and sent in the promissory note from XXXX XXXX  to show that the check was sent in time and shouldn't have resulted in a late payment, but the still dinged my credit report with a late payment. They do not work with their customers, they do not operate ethically, they were just sued in XXXX for credit reporting violations in connection to their auto loans but the Consumer Financial Protection Bureau. They were also sued in XXXX for illegal overdraft practices. They take any opportunity they can to prey on their consumers. They are the prime example of a predatory company.
Consumer complaint received 2022-11-16
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. (PA)

Collections/Derogatory marks. 
XXXX XXXX XXXX XXXX XXXX In accordance with fair credit reporting act, they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

On XXXX XXXX around XXXX, I obtained a copy of my credit report and seen the account IC SYSTEMS on my report. I opened a dispute with XXXX and the representative also told me to contact the company IC SYSTEMS. I contacted IC SYSTEMS and I told them that their attempt to collect a debt is very unlawful. I spoke with XXXX XXXX Employee # : XXXX, I asked him how did his company obtain my information to furnish information on my credit report, he told me through XXXX. I asked him if the company verified that the alleged debt is valid against me and if they did verify where is the documentation. He then proceed to cut me off and say we can set up a payment plan. How can we set up a payment plan, when you can not let me know how you verified the information that XXXX sent you? This company is in violation of many FCRA acts. Listed below is the biggest act that I believe they are in violation of. 

18 U.S. Code 894- Collection of extensions of credit by extortionate means.

( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

IC SYSTEMS is in violation of this Act as they have not verified or validated the debt but are still attempting to collect. They are punishing me by reporting negative information on CRA reports which is negatively impacting my ability to obtain credit. 

I also NEVER consented for XXXX to give nonaffiliated third parties my information and I never received notice that XXXX was giving away my information. Unfortunately XXXX was in violation of the GLB Act. They failed to notify me a consumer about their information-sharing practices and failed to tell me of my consumer right to " opt-out '' if I don't want their information shared with certain nonaffiliated third parties. 

So even if this company IC SYSTEMS believes that they have followed all laws under FCRA rules, it is still in violation under the GLB Act.
Consumer complaint received 2022-04-20
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

I have tried to have them send me information about my owed debt with a break down. They told me that there was no way of sending this information ( XX/XX/22 ). They didn't disclose that they were placing interest on my owed debt or explain anything about my owed debt. They claim that the provider is the one that is placing interest on my owed debt. I have talked to the provider that I owe the debt to, and they told me they do not put any interest on my debt. They also, will not send you confirmation when stopping auto payments or any other information you ask for.
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (ME)

I was in the process of refinancing a loan with Better Mortgage loan officer NMLS ID  XXXX. I had gone through all the steps to refinance my mortgage and was conditionally approved, after jumping through numerous hoops literally just formalities remained. They withdrew my loan with no notification!!! 

I was told several times that my loan was on track only to have new conditions added after every conversation, conditions which should have been either unnecessary or apparent upfront. 

In the end they stole my appraisal money and sent me an email saying that they wont transfer the appraisal to a new lender ... and if I want to refinance with them then I need to start the loan process all over again. 

Aside from being frustrated by their lack of communication, I'm upset that they took my appraisal fee and I have nothing to show for it. The fact that the loan didn't close was caused by their poor process and communication.
Consumer complaint received 2019-08-02
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: EQUIFAX, INC. (WV)

Equifax allowed my information to be leaked on the dark web in 2017 and I do not want that company to have access to my personal information any more. I have no way to stop them and no way to be compensated properly either.
Consumer complaint received 2024-02-14
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-07-12
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: Diversified Adjustment Service, Inc. (AL)

I have reviewed my credit report and I have found several inquiries that are fraudulently incorrect. I have reported an identity theft as of XX/XX/XXXX, Disputing accounts that are on my credit by several different companies all who are named in this complaint. I would like to file a complaint against these companies due to the fact that I have previously told them that this is an identity Theft. also the fact that they continue to sell this debt to debt collectors. As a result, my credit report has been severely impacted because they are the only items reporting negatively on my credit report. I have also filed a report with the FTC identity Theft website due to the fact that these bills are not caused by me! I checked my credit report in XXXX XXXX XXXX and saw that these dates have been added to my report I would like these items removed once and for all from my credit report! 

Companies reporting fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-03-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nations Recovery Center (GA)

I enrolled in XXXX for XXXX term in 2010. I was told by the financial aid counselor at the time that I could use federal student aid to cover the cost of class. After classes began there was a delay in processing my student aid and so my student account was placed in negative status. After continued contact between myself and my counselor I was able to correct the issue and the money was dispersed to the University. It was at this time I was told they would not be able to use federal funds, and that I would have to cover the costs out of pocket. This after the term was actually over and I received a final grade for the course. After informing them I would be unable to as I was unemployed at the time, which was the reason for using federal aid in the first place, I was told that if I did not the account would be placed in collections and reflected in my credit report. This has been the case ever since.
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (GA)

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

Account name : XXXX XXXX # XXXX, and Account name : XXXX XXXX  XXXX / XXXX XXXX  # 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 states a consumer reporting agency can not furnish an 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.