davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-13
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)

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$850.00} on the XXXX XXXX XXXX XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Several years ago I had a XXXX account. I followed the cancellation policy outlined by XXXX and the representative I spoke with assured me the account was in fact closed and in good standing. I did not receive any documentation from XXXX indicating that this account was in jeopardy. XXXX, even after the account was closed, continued to charge fees. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX UNIVERSITY OF XXXXXXXX XXXX XXXX XXXX UNIV OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  UNIVERSITY OF XXXX XXXX XXXX XXXX UNIV OF XXXX  XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX UNIV OF XXXX
Consumer complaint received 2020-03-13
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: EQUIFAX, INC. (AL)

In XX/XX/XXXX plus XXXX and XXXX of XXXX I disputed with the XXXX   and Equifax credit bureau on verifying these accounts that are in collection ; XXXX XXXX account number XXXX XXXX,, XXXX XXXX  XXXX  and XXXX XXXX XXXX. I asked for an investigation into the verification of these 3 collection accounts and I also requested their method of Investigation but have not received what i ask for. Because I asked for validation from the three collection Agencies and I received no response from them for over 3 months. so how is it the Equifax and XXXX  were able to being this verified if they did a actual investigation. also, how are they able to verify these accounts without violating my HIPAA rights???
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TomoCredit Inc. (OH)

I requested the company to fix the issue with what was being reported to all XXXX  credit bureau 's as promised via their terms and conditions : XXXX  months of instant credit history reported. 
XXXX  months of past bills added to your account. 
Up to XXXX XXXX XXXX reported as credit. * * The minimum reported is {$5000.00} and you can increase it by matching utilities. Positive history will always be reported. 
We will report to all XXXX major credit bureaus : XXXX, XXXX, and XXXX, at the end of each calendar month. 

I requested by email to be updated on why I was not seeing the XXXX credit limit reporting with all XXXX  bureau 's. Tomo Credit is reporting a XXXX amount to my account through the XXXX credit bureau 's. Tomo responded in an email asking which bureau was not reporting and I advised that all XXXX  bureau 's need to be investigated to confirm what is being reported for me through Tomo. They sent me an email that was very unclear and just highlighted my email description and my case was being updated.

I emailed them again because I had not heard back from the support team with the results of my requested investigation. I advised that I will move forward with cancelling my account and take my business somewhere else. No one responded I decided to reach out to my bank to file a dispute to stop payment with Tomo and to refund my money for services not rendered. And as per the advise of my bank I moved forward to cancel my account with Tomo Boost on XX/XX/2024, request that they cancel my account. And based off of the terms and conditions they allow a monthly member to cancel for any reason. However, Tomo Boost has not cancelled my account and it seems like they're not going to ..... Please help me stop this company from taking my money! Thank you in advance! 

Tomo Boost Terms and Conditions for cancelations : For a Monthly Program membership at any time for any reason with XXXX business days notice to us, with notice effective on the business day following the day that you notify us of cancellation, in which event your membership and access to Monthly Program Enrollment and benefits will terminate effective XXXX business days after the effective date of your notice of cancellation to us.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NV)

I do not have to answer 5 or more question to get access to my accounts at the bank I call at XXXX XXXX XXXX  EST on XX/XX/21 and the woman just keeped asking questions, would not tell how many question I have to ask. This is XXXX. 

When I talk with XXXX her supervisor he said really in not how many question you answer right or wrong it tone and a feeling. 

I will take all my money when is convient if I have to go through this XXXX to handle my accounts when I call. 

Pull the tapes and listen to the recording.
Consumer complaint received 2021-03-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc. (CT)

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance does not include cash but XXXX XXXX XXXX took cash. The finance is suppose to include insurance but XXXX XXXX XXXX made me purchase insurance seperately.
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXXXXXX  ) {$4900.00} To whom it may concern, Your company is currently reporting an eviction on my credit report. It needs to be deleted because this account is UNVERIFIED and I am a victim of IDENTITY THEFT. I took the liberty to go to XXXX, XXXX and they have deleted the eviction from their records due to IDENTITY THEFT i have proof of a person forging my signature attached to this document. 
You have 30days from the date of this letter to delete this account if you can not produce DOCUMENTS of this account being accurate. This letter is NOT a request for you to automatically verify this account with no proof. I have done the footwork to protecting my rights and no company has been able to give me more information on this eviction which is preventing me from getting residence. 
Please understand I am fully prepared to file an offical complaint with the CFPB, XXXX, and the Attorney General if you do not abide by the FCRA and FDCPA regulations. 
Best Regards XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (FL)

Radius Global Solutions was contacted by me did not provide me with accurate information. I do not know what this particular debt is about with the amount of {$110.00} which is being reported on my credit report. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit report. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it.
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

Commentity Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


I

n accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

After my mortgage was bought by Amerihome Mortgage Company, I made a payment on their site for XX/XX/XXXX and it went through fine. I then set up an auto-draft to withdraw the mortgage payment. The money was deducted from my bank account on XX/XX/XXXX and initally attributed to my mortgage. Then, on XX/XX/XXXX, the mortgage company rejected the payment, claiming an issue with the prior servicer. That money was never returned to my account or sent back to me. I've called multiple times and been given different information each time. No one at the company can explain why the payment was rejected or where the money is. I was told by a representative on XX/XX/XXXX that a check had been mailed to me with a letter dated XX/XX/XXXX. When I called back on XX/XX/XXXX after not receiving the check, I told told by someone else that no check had never been mailed. I have provided my bank statement to them showing the money was withdrawn by Amerihome from my account and never credited back.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

I applied for mortgage assistance from Shellpoint Mortgage in XXXX, and received an email dated XX/XX/XXXX that I was approved for a 3 month deferment. The only mail/correspondence I received after that were monthly mortgage statements. 

Then after receiving a court order regarding foreclosure, I contacted Shellpoint. And was informed that I failed to make trial payments. Once again, I've never received ANY mail, letters. etc regarding ANY type of trial plan or loan modification. 

I reached out numerous times to speak to my point of contact, and asked for forbearance so I could apply for another trial plan. I called and spoke to XXXX XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I was told there was a foreclosure date of XX/XX/XXXX. 

The only correspondence I've received is an email dated XX/XX/XXXX that I was approved a 3 month deferment. My understanding was this deferment would end in XXXX or XX/XX/XXXX.
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp (MN)

We are filing complaint against Credit Service International, XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX and XXXX  XXXX/XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, MN XXXX. 
( 1 ) Furniture was fully paid in the amount of {$2400.00} on XX/XX/19 promising that every item we bought was in stock and will be delivered together on XX/XX/19 ( 2 ) Delivery not made as promised ( 3 ) Delivery made piecemeal ( 4 ) Delivery contained damaged items ( 5 ) We were made to call customer service who were as rude as XXXX ( 6 ) Unilaterally cancelled paid extended warranty with false and baseless reasoning knowing that furniture is for home in XXXX, XXXX   and stating that as customer is moving to XXXX  even though it is nationwide coverage ( see attached copies ) ( 7 ) Why did they cancel extended coverage that we had paid for? 
( 8 ) Why did they lie? 
( 9 ) Charge for extended warranty {$340.00} had to be disputed because of unilateral cancellation by XXXX XXXX ( 10 ) XXXX XXXX had audacity to cancel warranty unilaterally but did not have honesty and integrity to give us refund. 
( 11 ) They finally refunded the amount to Credit Card Company and Credit Card Company issued us credit for {$340.00} on XX/XX/19 ( 12 ) With our persistence replaced sofa and chaise but still delivered damaged merchandise ( 13 ) My mom had to extend her stay in XXXX incurring additional expenses ( 14 ) Issue of damaged sofa and Chaise has been going on since first delivery on XX/XX/19 ( 15 ) Damaged Sofa-Chaise had to be replaced multiple times and still they could not deliver undamaged merchandise ( 16 ) We were forced to deal with most unfriendly customer service ( 17 ) We were forced to dispute charges ( 18 ) XXXX XXXX had our money and they did not have to resolve dispute. 
( 19 ) XXXX called demanding payment ( when he already had {$790.00} ) saying he has resolved dispute and began threatening and harassing on phone including entering my home and taking every piece of paid furniture. 
( 20 ) XXXX and XXXX XXXX resolved the dispute by giving unconditional credit. There was no quid pro quo. 
( 21 ) As per the letter dated XX/XX/19 submitted by you from XXXX, XXXX, the disputed amount of {$790.00} was debited. 
( 22 ) If they were going to exchange the furniture why did they resolve the dispute with credit card company? They had the money since XX/XX/19 ( 23 ) If they wanted money, why resolve the dispute and then turn around demanding money and threatening to enter my home take every piece of furniture even though it was paid for ( 24 ) The letter dated XX/XX/19 that you have enclosed contains false statements ( 25 ) Turn us over to collection agency even though credit was issued ( 26 ) They can not be allowed to keep doing whatever and however they please.
Consumer complaint received 2020-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

CALLING INTO RUDE UNPROFESSIONAL CITI BANK ONCE AGAIN I HAVE TO DEAL WITH SOME INCOMPETENT PHONE PERSON. I CALLED IN TO SEE AB OUT WHY I WAS CHARGED A XXXX DOLLAR FEE FOR A XXXX DOLLAR MONTH. I TALKED TO XXXX WHO ARGUED WITH ME ON THE PHONE ON XX/XX/2020 @ XXXX XXXX XXXX BEGAN TO RANT AT ME TELLING ME THAT I SHOULDN'T HAVE LET MY ACCOUNT GET TO XXXX AND I NEED TO KEEP MONEY IN MY ACCOUNT DICTATING TO ME WHAT I SHOULD AND SHOULD NOT DO IN MY ACCOUNT. THEN TAKING THINGS FURTHER TO SIT HERE AND OVER TALK ME AS IF I WAS A CHILD. THEN WHEN ASKING TO SPEAK TO HIS SUPERVISOR HE WANTED TO SIT THERE AND LAUGH AND BE ARGUMENTATIVE EVEN FURTHER AND KEEP INSULTING ME TELLING ME THAT I SHOULD HAVE KEPT MONEY IN MY ACCOUNT AND TO FURTHER INSULT ME HE REFUSED TO TRANSFER ME TO A SUPERVISOR AND THEN CONTINUED TRYING TO OVER TALK ME AND LAUGH AND TELL ME I SHOULD HAVE KEPT MONEY IN MY ACCOUNT. JUST XXXX   CONTINUED SERVICE FROM CITI BANK. AT THIS POINT I WILL BE FILING A SMALL CLAIMS AGAINST THE COMPANY AND SENDING THEM PROPER NOTICE AS OF TODAY. I AM SICK AND TIRED OF THESE XXXX BAD ENGLISH SPEAKING FOREIGN LOW UNPROFESSIONAL PEOPLE ON THE PHONE THEN THIS XXXX WANTS TO SIT HERE AND JUST HAVE A ARGUMENT LIKE WE'RE TWO PEOPLE ON THE STREETS IM SICK OF CITI BANK 'S HORRIBLE CUSTOMER SERVICE. I WILL NOT TOLERATE THIS ANY FURTHER.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

Equifax, what you are doing is clearly illegal. we are now at 60 days since my original dispute and you now barely say i did not supply sufficient identification. In my original dispute i provided a notarized affidavit confirming my identity as well as a drivers license and bank statement. 30 days later after no response I sent I also sent a follow up letter. Today in response have mailed a copy of everything plus a w2 and a additional letter addressing these games you are playing. I will also be filing a complaint with the XXXX and If I have to the attorney General. 

Original CFPB complaint : " Someone please help! I have reached out to Equifax multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldn't tell me anything over the phone. I sent my original dispute on XX/XX/XXXX. That's 51 days! A month later on XX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal ''
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''