davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (TX)

XXXX XXXX and best buy was disputed under the fcra with wrong social also sent the police report and the ftc violation they have failed to do anything about its been 45 days and counting which is against me Rights under the FCRA law
Consumer complaint received 2019-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have too many queries in my credit report that I have not authorized and I already spoke with these agencies to report these FRAUDULENT queries but I have already been waiting for them to be removed please remove all these fraudulent concerns from my credit relationship THANKS ..
Consumer complaint received 2023-01-17
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. (TX)

There are several inquiries on my credit report that or in error and is erroneous. 

XXXXXXXX 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 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 2020-03-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have continuously been disputing the way XXXX XXXX has been reporting this account to experian and XXXX the information has not been validated by credit reporting agency. I request that information be validated by the credit reporting act which is my right under section 609,611,623 at  the moment we are under litigation with lender and no out come has been resolved. Amount due, ownership of debt, and verification of obligation has not been sent or validated. I have sent certifed letters requesting a proper investigation be completed and spoken to many people in experian and XXXX I formly requested how the investigation was done, who validated, and what proof was submitting. Which in all cases my concerns were ignored. I sent 2 certified letters in which my concerns where not addressed. The information posted Report NumberXXXX on experian. Resently I sent another certifed letter and no response has yet to be acknowledged.
Consumer complaint received 2020-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

All asked for info provided. Delay in response at another point, they found attorney third party with said office near my home as requested, turns out never had one at all. When asking Bar Assoc about location of said attorney, # was given to me and info spoke about. Attorney stated she never heard of firm representing me or myself. Office environment was asked for, being scammed by attorney in XXXX  for 6 years caused for need of not being Pro Se, complicated case needing help, joined XXXX, a few years be a member, the time and amount of contacted attorney to move fwd in my quiet title, securitization audit, payment history after XXXX XXXX payment was needed to be picked up has a lack of Relationship Manager, with scheduled appointments with certified HUD council XXXX  XXXX involved since XX/XX/20, recorded conversions are being written by staff member to show negligence on their end. The servicer has merged with another and interrogatories are being asked to be answered after a attorney for investor offered, I excepted via phone only, due to interrogatories was recommended to have council but to no avail. XXXX seems to have conflict of interest with banks.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

I have private and student federal loans with navient. During XX/XX/2019, I was advised that I needed to make a payment because the payments they recieved wasn't going to the accounted with the due dates. I was not provided clear instructions on which accounts to pay and as to how much. 

In XX/XX/2019, I spoke with a lady who verbally advised that if I scheduled an payment my account would not report late as I would have met the deadline before the reporting to the three major credit bureaus. A few months ago, I called back and spoke to another lady and asked that an investigation be completed because I was provided incorrect information. 

As a result, the second time I called was advised that a manger would listen to the phone records to hear what her staff advised and assist with getting the late payment removed as I was following her direction. To present, nobody has called and when I call I get the run-around. 

I have tried to handle this on my own and if someone replays the phone record ( as all calls are monitored XXXX will clearly hear the lady advising that if I schedule a payment, my account would not report as late.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

duty pursuant to the FCRA, it is TRANSUNION 's to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 3 unauthorised Hard enquiries on my account which are XXXX XXXX XXXX on XX/XX/2023 and XX/XX/2023, and XXXX on XX/XX/2023. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc. (GA)

The mortgage company said my escrow was short and they had to bill me more, I filed a complaint saying it was wrong, they answer the complaint with consumer finance government saying they was correct and I was wrong, consumer finance closed out the investigation saying they answered. However a month later mortgage company came back after I have been paying increased amount because of the escrow shortage which it never was to say my escrow was a surplus and too much was paid by their calculations. Now they are saying I am storage again for the last 90 days my mortgage has increased. They are stealing or misapplying monies
Consumer complaint received 2020-03-08
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: EQUIFAX, INC. (GA)

Disputes obviously not being investigated properly or with due diligence. If they were then the item would be removed as it should be. There is no explanation given as to the results in regards to who they called, talked too, and no justification to back their decision or investigation results. Its just a repetitive process with no communication or details given. This is a process that needs so much improvement. We have to provide documentation to back what we say up. They should do the same.. I have several accounts I cant get taken care of as a result.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

I have a a unverified account from Jefferson Capital System. I had previously disputed this account. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that Jefferson Capital System Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Jefferson Capital System Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.
Consumer complaint received 2020-03-08
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. (GA)

Disputes obviously not being investigated properly or with due diligence. If they were then the item would be removed as it should be. There is no explanation given as to the results in regards to who they called, talked too, and no justification to back their decision or investigation results. Its just a repetitive process with no communication or details given. This is a process that needs so much improvement. We have to provide documentation to back what we say up. They should do the same.. I have several accounts I cant get taken care of as a result.
Consumer complaint received 2020-03-08
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: Experian Information Solutions Inc. (GA)

Disputes obviously not being investigated properly or with due diligence. If they were then the item would be removed as it should be. There is no explanation given as to the results in regards to who they called, talked too, and no justification to back their decision or investigation results. Its just a repetitive process with no communication or details given. This is a process that needs so much improvement. We have to provide documentation to back what we say up. They should do the same.. I have several accounts I cant get taken care of as a result.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We have open the following debit card for our company XXXX XXXX XXXX XXXX XXXX XXXX less than 3 years ago ( Bank of America small business XXXX Exp XX/XX/XXXX XXXX ) We were very specific at the moment to not authorize any transaction over the lowest balance. well the problem happened during the first year, we called customer serviced and they supposedly fixed it ( again we were very specific to request that transactions over the limit not to be authorized ), then covid started and we got so busy that couldn't check our statements regularly but when we did we found more overdraft fees charged, We filed a complaint with the XXXX XXXX XXXX and the problem still persist, on a closer look to our statement we can't tell their software is or has been failing ( pictured attached ) right now this account has a negative balance all caused by the overdraft fees. once again Could you please stop authorizing transactions if there's not enough balance? Could you please provide refund for all the overdraft fee transactions? 

Here is a list : XX/XX/XXXX Over draft fee {$35.00} ( 3x ) XX/XX/XXXX Over draft fee {$35.00} ( 4x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 3x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 4x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) XX/XX/XXXX Over draft fee {$35.00} ( 2x ) The total amount just from XXXX and this short part of XXXX is {$1000.00} It is abusive.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DO NOT RECALL OPENING THE ACCOUNTS BELOW. I REQUESTED VERIFIED INFORMATION FROM THE CREDITORS AND CREDIT BUREAUS. NO ACCURATE DATA HAS BEEN SENT TO ME. 

XXXX  XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio XXXX Us Department Of Edu XXXXXXXX XXXX XXXX XXXX XXXX, Washington, DC XXXX
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America checking account has been reported on the credit report and XXXX XXXX as fraudulent. I wrote to the company that my debit card was stolen/lost, but they still said it was fraudulent. I am unaware of any fraudulent activity that happened on the account because as stated before my card was stolen. Bank of America still hasn't updated me on exactly what was going on on the account, but according to my report, I see an unpaid XXXX closure of {$2400.00}. Due to me not having any knowledge about this activity on my account and me also reporting this countless amount of times I want this removed from my report IMMEDIATELY.
Consumer complaint received 2020-03-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

Some months ago, I disputed XXXX XXXX XXXX XXXX ( XXXX ) /XXXX Account ( See Attached ), on my Experian Credit Report, to VERIFY ALL ACCOUNT INFORMATION. I have not received the results of this dispute. In fact, the XXXX/XXXX Account still shows in the COMMENTS that the ACCOUNT IS IN DISPUTE.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (KY)

In 2016 I contacted XXXX XXXX listed as XXXX XXXX to assist me in opening a small business.We had a number of issues and I was charged for services I did n't receive. I left XXXX XXXX and they have apparently hired XXXX XXXX XXXX a collection company to collect funding from me. They have also added this account to a collections acct on my Equifax credit report. I can not dispute this because no one will give no the account number which shows up as XXXX. So I can not dispute this without a number no one can give me and they are trashing my credit after they have done bad business with me.
Consumer complaint received 2022-11-11
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. (TX)

XXXX XXXXXXXX XXXX XXXX is reporting negative and harmful information to XXXX TRANSUNION XXXX as well as violating laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Consumer complaint received 2023-01-17
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: Fidelity National Information Services, Inc. (FNIS) (LA)

Remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2023 or provide proof in writing within 30 days.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

Hello, We have a Bestbuy Visa card that is by Citibank. We usually pay our entire statement balance in full. The last month we paid in almost full except {$120.00}. Bestbuy/Citi is charging {$44.00} in interest for one month, that is over 30 % interest for one month! This is more than 10 times higher than the agreed upon APR of the card. I called the customer contact number on the statement and they couldn't walk me through the calculation that gets this specific interest amount for one month. Between the agent and supervisor they mentioned several different interest percentages but none add up to this amount. I asked for a reference number of the call, the employee supervisor could not provide this. They provided their ID, which is XXXX, and name XXXX. The call with them ended on XX/XX/XXXX at XXXX XXXX CST. 
Thanks, XXXX
Consumer complaint received 2020-01-15
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: BARCLAYS BANK DELAWARE (CA)

Multiple fraudulent charges made in-store at XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX with my Barclaycard Arrival World MasterCard credit card. 

Fraudulent charges include : XX/XX/2020 @ XXXX of {$450.00} in XXXX, XXXX, CA XX/XX/2020@ XXXX of {$490.00} in XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$310.00} in XXXX XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$410.00} in XXXX, XXXX, CA Time of charge and location of charge provided by credit card company. 

Credit card was still under my possession during time of charges. 

Credit card company states chip was used and denies any fraudulent wrong doing despite multiple pleas to reverse charges explaining that despite still having the card in my possession that those charges were not made by me. 

Credit card fraud representative made aware by my self that such large consecutive monetary charges were not flagged by company as possibly fraudulent and I was not alerted of charges immediately after they were made despite having alerts set. One representative basically said that the charges did not appear fraudulent. Her cold tactless response only aided in escalating an already frustrating situation. 

I discovered the fraudulent charges independently on XX/XX/2020 and called the company immediately. Their electronic alert system did not alert me to the charges until XX/XX/2020. Complaint of their alert system also made to company. If their alert system had worked properly further fraudulent charges could have been prevented. 

I do not live and rarely ever shop at these locations. I was not in those locations during time of purchase. I believe a blatant crime was committed. Barclaycard company is failing to assist me in the matter. A police report has been made.
Consumer complaint received 2020-01-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cawley & Bergmann, LLP (MI)

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is incorrectly reporting information to Transunion, XXXX  and XXXX. They are reporting to XXXX  that the open date on an account is XX/XX/XXXX and reporting to Transunion and XXXX  that the open date is XX/XX/XXXX. I've disputed this account with all 3 bureaus since XX/XX/XXXX and they always report that the information is verified and accurate. How can it be verified with different account open dates? 

I have asked all three bureaus : XXXX, XXXX  and Transunion to provide me with a copy of an original contract with my signature to prove I indeed have an debt with XXXX XXXX and that the information they are reporting is accurate. Neither of these companies ever sent me any proof or documentation to verify what they are reporting was accurate which is a FCRA violation of my consumer rights. 

The company has also listed this account on my credit report as a charge off but still reporting the account late each month and further damaging my credit history and preventing me from being able to obtain credit and start my business, purchase a car or buy a home. If the account is charged off, its already a derogatory remark on my file and should not continue to be reported as a charge off and late on my credit report each month. That is a FCRA violation and I demand this account be deleted immediately from all three bureaus and levy any fines deemed appropriate against this company under FCRA and FTC guidelines.