davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (NV)

On XX/XX/2022 at XXXX XXXX  I received a phone call I allowed it to go to XXXX went to hear the voicemail abcs it was a collection agency! Thus agency has been constantly calling before XXXX XXXX  my time I called back. Advised the agent that I needed to speak with someone who is in charge of these phone calls or Who I can report this to she then proceeded to argue with me saying we dont open till XXXX so we couldnt call you if we wanted to I explained to this rude representative that I have proof and to not argue with me seeing as i am a consumer or customer with a legitimate complaint she transfers me over to someone pretending to be a manager shes then rude to me as well you dont want to hear the facts we call because you have XXXX XXXX XXXX number I explained that was irrelevant and to pay attention to accounts that populate weather my number is XXXX XXXX or XXXX its not okay to just run with whatever! Shes then proceeded to continue to argue with me XXXX which at that point I hung up
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

A loan application was made through XXXX lenders. Which I've now learned is Fifth Third Bank National Association, XXXX Program. During an internet search I'd found information leading me to your agency. It referenced a lawsuit being filed on behalf of consumers against Fifth Third Bank for hostile lending practices. Case : 1:20-cv-01683 Filed : XX/XX/XXXX. On or about late XXXX early XX/XX/XXXX I'd contacted XXXX  XXXX  XXXX, NY for replacement windows. During the initial meeting and rough measure, the salesman did an application for credit. It been a couple of months and I started to be billed by XXXX. I contacted them and asked why I was receiving billing statements? XXXX of XXXX hadn't even done the final measure on my windows. XXXX assured me this wasn't uncommon and I didn't want a record of late payments. So, I agreed to make the first few payments in good faith. This was before I learned what had happened at XXXX XXXX, NY. The entire branch in XXXX had left no one was employed for approximately two months after my initial appointment. They've are no longer an installer and are now service only. I never received windows nor do I want them. I never authorized any transactions be made using the XXXX " Shopping Pass. Yet, XXXX continues to bill me and now send Past Due Notice. The last dated XX/XX/XXXX threatening to report me to consumer credit agencies. I've filed complaints with the XXXX  and XXXX Attorney General 's Office. XXXX refuses to acknowledge my request even though they've been informed I don't have windows. I received letter from XXXX  informing me Champion XXXX, NY is no longer an installer and is a Service Only Branch.
Consumer complaint received 2022-06-03
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. (TX)

In 2018, I cancelled service with XXXX XXXX XXXX XXXX XXXX ) for television service. I boxed the equipment and attempted to get XXXX XXXX to send me a return address for their equipment. I called them at least once a month for six months and was told they either had a shortage of return packaging, or they would send a return label, but they never provided the information. They then charged me {$190.00} for the equipment. I did not pay for it because I did my due diligence in attempting to return it as they requested and I have absolutely no need for their equipment when I don't want or use their service. They now keep selling the debt to other collection agencies and it keeps getting put on my credit report. XXXX removes it each time I dispute it with the facts. TransUnion has removed it in the past when it was a different collection agency, but has recently put it back on under XXXX XXXX XXXX ( whom it was sold to from a different collection agency ) and now saying it is accurate. I have attempted to resolve this with TransUnion and they won't fix it. 

I can assure you if the debt was legitimate, I would have paid it, but XXXX was uncooperative with the whole situation and I don't feel this should be on my credit report.
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-03
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. (NC)

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (IL)

Marcus by Goldman Sachs promised that the transfer was sent and deposited when it was not. The funds were sitting in review for an entire unbusy day. I called and they said they forgot to send it and it was sitting in review until someone got to it!!!
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NY)

I closed an account with XXXX like XXXX years ago. After reviewing my XXXX  report, i noticed there is a collection on my report amount of XXXX. I called the collection agency ( Enhanced Recovery ) and paid the amount. 

I contacted XXXX  and i disputed, even though on my report it says paid ; but XXXX   wont remove it until XX/XX/2024. 

Company Involved in my case XXXX XXXX  XXXX, 2. Enhanced recovery 3. XXXX.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to Bank of America to do a balance transfer. It was for {$18000.00}. {$12000.00} went to creditors. The other {$6000.00} was supposed to go into my account. It was done on XX/XX/2019. The problem was that the {$6000.00} was handled as a cash advance. I never asked for a cash advance. I had no need for a cash advance. Ive been having to pay about {$93.00} a month for cash advance fees ever since. When I originally caught wind of this. I called to complain. This was back in XXXX. They were sympathetic and even asked for the name of the employee at the bank. I gave it to them and they removed two charges. Approximately about {$180.00}. Within a matter of two weeks. They resumed this unethical practice of charging fees incorrectly for an offer they sent me in the mail. I dont normally check my accounts regularly ( trust ). I noticed this in XXXX. I have called several times and have yet to get this problem taken care of. They keep insisting that I had this check deposited into my checking account. Therefore, its a cash advance. Thats a complete lie! I have had this offer before and have had a check deposited into my account. They are the ones sending the check in the mail. Its part of the balance transfer offer. In fact the check stipulates that is an offer. It has offer ID KV and some digits afterward written on the check. I have the copy of the check. They send two checks in the mail. One for 0 % interest for a limited time, and another one for 1.99 % interest for a little more time than the other. I got the check from the letter they sent me and that was the check that was incorrectly processed. I now have three charges that amount to about {$270.00}. I was trying to save a few bucks with this balance transfer and look what happens. When I call them. Its like talking to a complete different company. At first sympathetic and now rude and deceitful. Ive been with BofA close to 40 yrs. I just sent them {$17000.00} to pay off this credit card. Im going to be severing my ties with them. So inconsiderate especially during these difficult times. Who knows if I will have a job by the end of the month. Please help me. Any information you need, I can attempt to gather. Thank you
Consumer complaint received 2019-12-20
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. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good Evening, Attached is full documentation of all correspondence with XXXX XXXX XXXX  who is the debt collection agency for XXXX TransUnion has done their part in removing XXXX  XXXX XXXX however, you all forgot to move XXXX  off of my credit report. 

Attached is the letter from XXXX also, my case number with you all as well. My CFPB full correspondence is included in this correspondence. I have received notice XXXX XXXX XXXX  was removed but XXXX was not which is the company XXXX stated was the original company. When you call XXXX  they say debt was sold to XXXX and all correspondence must be with XXXX. XXXX deemed debt as fraudulent and provided debt removal letter. 
All other bureaus removed rXXXX as part of their process. I believe you all forgot to remove XXXX, If you need any additional information, I will be happy to help. Thank you.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (PA)

On ( XXXXXX/XX/year> ) I sent an Identity theft letter to ( 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 complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/year> ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (MN)

RE XXXX Im filing another complaint on the reference number listed above Experian failed to conduct the method of verification with in 15 days of the original complaint per the FCRA anytime a consumer ask the reporting agencies for a meth of  verification experian XXXX  XXXX  XXXX have exactly 15 days to provide this information in this case Experian is well over the 15 day deadline and I demand Experian to remove the following accounts XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The law is very clear about 15 days again you are in violation of the FCRA
Consumer complaint received 2020-04-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXXection 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XXXX XXXX, XXXX, I made a deposit, using PayPal, in the amount of {$500.00} to the XXXX XXXX XXXX  for an event that was scheduled to take place XX/XX/XXXX in XXXX, XXXX. Additionally, I paid {$78.00} to the XXXX XXXX XXXX for transportation to and from the airport. The total transaction was {$570.00}. 

On XX/XX/XXXX, I made an installment payment to XXXX XXXX XXXX XXXX  for the same event using PayPal in the amount of {$530.00}. 

On XXXX XXXX, XXXX, I made another installment payment using PayPal to XXXX XXXX XXXX XXXX in the amount of {$530.00}. 

Sometime in early XX/XX/XXXX, the XXXX government closed its borders to US citizens because of concerns related to the COVID-19 pandemic. 

On XX/XX/XXXX, The XXXX XXXX XXXX cancelled the event. The XXXX XXXX XXXX decided to offer the camp for XX/XX/XXXXwith different instructors as an option. I contacted The XXXX XXXX XXXX and notified them that I will be unable to attend that event a year from now and requested a refund. The XXXX XXXX XXXX refused to offer me a full refund, but refunded the {$78.00} I paid for the airport transfers back in XXXX XXXX. 

On XX/XX/XXXX, I reached out to XXXX XXXX, the retreat center where the event was going to be held and requested a refund. The owner referred me back to communications with the organizer of XX/XX/XXXXXXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX said they would offer 30 % of the total {$1500.00} as a refund for an event they canceled and rescheduled over a year later. 

On XX/XX/XXXX, I filed a dispute with PayPal for a full refund for the amount of {$1500.00} paid to XXXX XXXX XXXX XX/XX/XXXX under PayPals terms of non receipt of product purchased or a significantly altered product than promised by seller. Additionally, I learned that PayPal is encouraging merchants to consider not charging fees buyers for as a result of travel restrictions for not using services booked. This claim is currently under review. PayPal is awaiting the sellers response, but has not made a determination that I should receive a full refund for this canceled event.
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I paid PHH in XXXX for the payment that was owed and paid extra to accommodate the next payment. They messed up taking the payments and put me 60 days out according to the paperwork I rec 'd over the weekend. I have spoken to them directly about this issue in XXXX and XXXX - and then nothing was done on their side to credit payments - and they Mailed back the extra money I gave them for additional payments after telling them to apply it to the next months payment. They also over paid my house insurance and gave me no explanation that they had, they didn't have even the correct name of the insurance company and lied about what they had and had not done. 
I have called PHH dozens of times on each issue I have had. The staff is incompetent, if they speak English, at best. They are nasty on the phone. They don't do what you ask, they break the law. They commit Fraud and do so with impunity. How many calls does it take to get them to do the needful? How about asking for an escalation and it took 4 months to get in contact with a supervisor - and only because I have his email could I even write this up over the weekend - as they are closed on Sat and Sun. NO service at all. They deserve to be sued into non existence.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I've sent out several letters to all three of the credit bureaus letting them know that a lot of the information they are reporting on my consumer credit report is inaccurate. Such as XXXX has my mother 's name in place of my name and for allis have my correct name in place of that. Also, XXXX, Equifax, and XXXX have closed accounts and payment history on closed accounts in which I've attached with this complaint. all listed in my consumer credit report. I have sent copies of my Driver 's License with current address listed on it. I've sent copies of my social security card and bank statement that fell on blind eyes. All three of these credit bureaus sent me stall tactic letters and postcard letting me know that I didn't send them any proof of my identity and wants me to re-send the information to give them more time. Every time I send in the requested information in, either XXXX doesn't respond back to me and when they do, it's way past the 45 days with again, send them proof of my identity. This is a bunch of XXXX and they know it. I have signed United States Postal Signatures from XXXX, Equifax and XXXX that they did receive my disputed letters with proof of my Identity attached to the letters. I'm really surprised by Equifax because I sued them back in XX/XX/2018 and won by default. I'm not willing to go through this sending back and forth for something I've sent time and time again.