davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my frustration and extreme annoyance at the continuous ignorance of my requests by your bureau. It is beyond reasonable that despite my repeated attempts, these critical matters concerning my credit report have not been addressed promptly. I want to emphasize that the other credit bureaus have already acknowledged errors in reporting and have promptly removed the disputed accounts from their databases. Additionally, a legal identity theft report has been filed with a federal agency, and the respective creditors have explicitly confirmed their commitment to removing these accounts from my records, absolving me of any liability. ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This continuous delay in addressing my concerns, despite clear evidence and actions taken by other credit bureaus, is unacceptable. I expect immediate compliance with the Fair Credit Reporting Act ( FCRA ) and demand confirmation in writing once the necessary corrections have been made. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TN)

1.I have never had an account with this company XXXX XXXX XXXX XXXX , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX XXXX  the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been reaching out to the 3 credit bureaus for the past 4 months about removing these unauthorized inquiries on my credit report and they still have not done so.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Kikoff Inc. (MI)

On XX/XX/XXXX I contacted customer support to dispute 5 transactions not approved by myself that totaled {$410.00} The billing agreement state the process and policies of the disputed account info as follows ; Contact us to provide the following : ( 1 ) Tell us your name and account number ( if any ).

( 2 ) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.

( 3 ) Tell us the dollar amount of the suspected error.

We will investigate your complaint and will work to correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error so that you will have full use of the money during the time it takes us to complete our investigation On XX/XX/XXXX I called to inquire my I had not received a credit to my account after the 10 days as per the aforementioned billing agreement. After several hours reiterating their own policies verbatim countless times I was told repeatedly that this language was not true and that I was not eligible for any account credit and that was their policy. I asked for specific direction to confirm this previous um herd of new policy but none could be given. This process continued countless times before they simply disconnected the call This is a violation of the XXXX laws On.XXXX I transferred my direct deposit account used to receive my monthly XXXX benefit from SSA to kikoff/XXXX XXXX because of a promotion advertising a {$200.00} bonus to do so. 

This {$200.00} bonus promotion has still not been honored after ive switch to their account and received direct deposits. 

On XX/XX/XXXX my money XXXX benefit of {$1200.00} from SSA paid by direct deposit to this account was not received. 

From XX/XX/XXXX to the current day XX/XX/XXXX Kikoff and XXXX XXXX has stolen {$1800.00}
Consumer complaint received 2018-11-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

XXXX XXXX XXXX XXXX Made final payment XX/XX/2018 for {$1600.00}. XX/XX/2018 - received a letter congratulating me and informing me 5he account is now PAID IN FULL. 

XX/XX/XXXX talked to XXXX - no one can locate the title that was XXXX. Told me they would wait to see if it shows up. 

XX/XX/XXXX, got a call from XXXX XXXX XXXX to inform me that XXXX could not locate my title. Told me I need to pay them again for another title. I told them the car is paid off and I need the title to register my car. They told me they could not release it because Citizens One had not indicated that the car was paid off. 

XX/XX/XXXX - contacted customer service - XXXX. He was very polite but told me since XXXX ( his supervisor ) had the case I needed to talk to her. He provided XXXX direct line ( XXXX ) XXXX XX/XX/XXXX - to date Ive left XXXX three messages on her direct line. Nothing. 
How do I get my title?
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (CA)

Hey guys so back in XX/XX/2020 I opened a discover account but since I live in a mobile home with a assigned number they never sent me a card notice that my account was approved & opened & my card never came in the mail the first 8 months after opening the account. I did receive however a cash advance of {$120.00} and since I was unemployed at the time I didnt know where it came from so I cashed it out to help out with my bills. 7-8 months later I got a call from a random number and I answered and it turned out to be someone from discovery letting me know that my credit card account is on hold and they might delete it due to not paying the amount of {$120.00}. So I had asked him why I have not received a card if I had an open account and he check into it and found out that my address put did not have my space number so I never received it. They told me that theirs nothing they can basically do since its already on my credit.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have contacted XXXX, XXXX and Equifax about late payments on my account. I pay all my accounts onetime and was never late. 15 U.S. Code 1666b - Timing of payments ( 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. My accounts are not to be shown late because these 3 accounts are open deeded credit plans. Also there are multiple inaccuracies on these 3 accounts. This is fraud because the law says that my accounts are not to be shown late and there are a lot of inaccuracies on these accounts.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received my credit report. I have found the following account with errors and reported inaccurately. 
Capital One Credit Card Account # XXXX In pursuant to 15 USC 1666B, a creditor may not treat a credit card account under an open consumer credit plan as late for any purpose. Unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by the section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date.

I the consumer was not giving a periodic statement.

I may also add in violation Fair Credit Reporting Act. In pursuant to 15 USC 1681 ( a ) ( 2 ), Credit reporting excludes transactions, late payments are indeed transactions.

I never gave you, Capital One, any written instructions to furnish any information on credit report in which a violation of 15 USC 1681b. You reporting late payments to the credit report agency has caused me stress and severe anxiety in regards to my consumer report. You, Capital One, should be ashamed to unlawfully report these inaccuracies. As well as committing fraud and causing financial harm to consumers.
Consumer complaint received 2023-01-05
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. (MI)

To whom it may concern, I have sent multiple dispute letters to all three credit bureaus XXXX, XXXX and Experian. I followed all laws and exercised my right by giving them 30days to respond to each letter. I have asked all the credit bureaus on 3 separate occasions to provide me with their method of verification for the item in dispute. They have failed to do so. The unverified items remain on all my credit reports in violation of federal laws. I was not provided any original documentation which must be on file according to the law to verify the disputed item. It is required by law for them to provide me with their method of verification when requested. Their refusal to act is a violation of the Fair Credit Reporting Act.

Some of the following dates are Less than 30 days in between because a response was received from the credit bureaus.

-1st Dispute letter - asking for verifiable proof Received by all credit bureaus on or about XX/XX/2022. 

- 2nd Dispute letter - asking for method of verification received by all three credit bureaus on or about XX/XX/2022 - 3rd dispute letter - notification of violation of my FCRA rights as a consumer ( third written request to delete unverified item ).

Received by all three credit bureaus on or about XX/XX/2022 ** Experian failed to respond or delete item in 30days ( I waited 60days ) I sent them a letter stating that they failed to respond and sent another copy of 3rd dispute letter. Received by Experian on or about XX/XX/2022 - 4th dispute letter - Notification of offer to settle before litigation for continued violation of the FCRA. Received by XXXX and XXXX on or about XX/XX/2022 I have given the credit bureaus every opportunity to cure and resolve this matter. 

ALL RIGHTS RESERVED WITHOUT PREJUDICE Respectfully,
Consumer complaint received 2018-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

I was eligible for forgiveness but there a very few non for profit XXXX left which makes it impossible to take advantage of thos. I've been paying for over 20 yrs now. As a XXXXXXXX XXXX I fall under the provision. My loans were sold without my knowledge and that is hampering getting help as.well. Any help would be appreciated. Thank you
Consumer complaint received 2023-12-28
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. (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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-03-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Nguyen Law Firm, PLC (VA)

I received a notice from a debt collector on behalf of XXXX XXXX, XXXX , XXXX XXXX XXXX, XXXX. for {$300.00}, which includes a principal of {$230.00} + Attorney 's Fees : {$77.00}. The attorney 's fees are being incurred at the expense of the agency seeking further payment and XXXX XXXX XXXX will not be paying these fees outside of what my insurance allowed. I, XXXX XXXX XXXX do not deny or confirm that this debt is a valid debt. I have no knowledge of how this matter was coded or billed. However, I do acknowledge being seen at XXXX XXXX, XXXX, and XXXX  by a physician that constantly mispronounced my name as " XXXX XXXX '' instead of XXXX ( " XXXX '' ). I further acknowledge this bill being paid by my private insurance and in consideration that my quota ( deductible ) has been met, I will not pay or advise further payment from any other source, including but not limited to Worker 's Compensation benefits managed by XXXX XXXX XXXX, wages, retirement benefits, housing, etc.
Consumer complaint received 2023-05-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: STATE BANKSHARES, INC. (AZ)

XX/XX/XXXX ( phone call ) -I was told there was a $ XXXX contingency and there was none.

XXXX ( email ) -I reported the concerns of unlicensed contractors during our build, and they washed their hands of it. 

Builder sought over $ XXXX at reconciliation ; claiming he wasnt paid for the land, and I owed him $ XXXX out of pocket. Many of these discrepancies werent rectified until I provided the accounting showing the inaccuracies, receipts payable, and credits not disclosed. 

The contract states, " Your contract contains a provision that all change orders were to be paid at the time of the change order signing. '' This was done with proof of record. If not, or the funds weren't available, Bell Bank should not have released the funds for such. Therefore, giving me ( the borrower ) the option to pay the builder out of pocket or not approve the change order. 

I did not receive inspection reports until I asked for them at final reconciliation.