davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2022-05-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CT)

In response to Borrowers XX/XX/2016 RESPA QWR, Shellpoint stated, As provided in Shellpoints previous response, you were extended a trial period payment that required you to remit three ( 3 ) payments of {$820.00} each. The trial payment consists of principal and interest of {$460.00} and an escrow deposit of {$350.00}. The principal and interest portion of the trial payment is based on a projected modified interest-bearing principal balance of {$110000.00}, an interest rate of $ 3.750 %, and an amortization term of 480 months. Note that the total new principal balance under the modification is projected to be {$160000.00}, and {$49000.00} of that balance would be deferred. The deferred balance is non-interest bearing, and you would not make payments on the deferred balance ; however, the deferred balance will become due and payable in full once the loan matures. 

Shellpoint XXXX informed Borrower that permission for the loan modification with deferred balance would need to be obtained from XXXX XXXX.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XXXX XXXX 2017 I called Transunion because I noticed that some inquiries that had been previously removed had reoccurred on my report. I spoke with a representative by the name of XXXX. XXXX was very rude and impatient. When telling XXXX the reason for my call XXXX replied that no inquiries were re- reported to my account according to her computer screen. I informed XXXX that I am very much aware of my rights and that I would like for her to send me a picture or document of the screen that she 's referring too. XXXX responded by saying she has verified the information for me. I constantly told XXXX that this information was accurately reported and that I was not mailed a 5 day notice prior to the re-insertion of the inquiries which is FCRA law. Any computer glitches that takes place is not a problem of the consumer ( me ) but the company ( Transunion ). I felt the need to contact Transunion in good faith to ask that the inquiries that were legally re-inserted be removed.
Consumer complaint received 2017-07-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSI Enterprises, Inc. (AZ)

the original debt was to XXXX XXXX XXXX in XXXX and they were instructed to submit the claim to insurance company. the original claim was denied but in XXXX the claim was accepted by XXXX insurance. ask XXXX XXXX to resubmit. i also ask them for a complete statement of charges which they never provided. i made several payments and then they quit billing me. about 6 months later RSI ENTERPRISES sent me a notice they had a unpaid debt. payments that i had made to XXXX XXXX XXXX  had not been credited. i am ask for a statement. finally in XXXX they sent a statement and verified that payments had not been made. now they have just completely quit billing me and have not sent me a statement since XX/XX/XXXX.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

A debt collector by the name of XXXX. Is trying to get {$190.00} for a XXXX accoung I have never had. I have not dealt or had business with XXXX in over 10 years and even then never owed or received a bill for {$190.00} ...
Consumer complaint received 2017-09-26
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)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX/XXXX XXXX XXXX, account number XXXX 6. ) XXXX, account number XXXX ; 7. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of  the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CT)

President - i opened a citibank checking and savings accounts they closed both. i still get account alerts to email address XXXX. they said they cant stop them. by law. pta do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.
Consumer complaint received 2022-05-27
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX 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 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
Consumer complaint received 2022-05-27
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)

n accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2021-07-25
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)

All 3 Credit Bureaus. Did not correct the inaccurate information on my account and request to remove closed 2 accounts. I have called to dispute the late payments on 4 of my credit cards accounts, which is not right in my report. No problem have been solved.
Consumer complaint received 2022-05-27
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: AMERICAN EXPRESS COMPANY (DC)

I have a XXXX American Express XXXX card. The advertising suggests that recipients receive a waiver of their annual XXXX spend if they spend $ XXXX or more on their card in a calendar year - indeed, this was the case when I opened my card first. However, I have not been receiving this benefit, and when I contacted XXXX they said that benefit had been removed, including from existing cardholders. They claim it happened in XXXX. However, XXXX was unable to provide evidence of a notification being sent out and was unable to identify when existing cardholders were notified of this arbitrary and capricious change. 

I spoke with XXXX today ( XX/XX/XXXX ), and they were unable/unwilling to provide any remediation or any details on when this decision was notified. They were only able to provide a copy of this article, supposedly posted on XXXX 's website in XXXX, where you can see in small letters a notification that this benefit was removed. I do not find this to be sufficient notification. 

XXXX XXXX XXXX XXXX XXXX marketing is also extremely deceptive, as their website strongly suggests that all XXXX AmEx cardholders receive this benefit. The lack of this benefit is not made easily viewable within XXXX 's promotional materials or information about different types of AmEx cards, so there is little way for cardholders to discover that they do not have this benefit. 

Thanks, XXXX
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (CO)

I was called over a year ago in XXXX of XXXX after a hospital visit XXXX months prior and was told I owed {$1100.00}. 
I called the hospital who the debt claimed to be from and they said that my payments were complete and that they had nothing on record saying I owed any money and it may be a scam. 
A year later in XX/XX/XXXX, I noticed negative marks on my credit score and managed to log into the collectors site. 
I never received any form of mail or email and no other phone calls. 
When I called them, I was told they did not send email verifications and that there was nothing to send in the mail since they had already done so many times. 
I was also told that the majority of the charges were because of late fees, etc. 
This debt is from another state and I have moved since then but never received any mail or other notifications since.
Consumer complaint received 2022-05-05
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: CLGF Holdco 1, LLC (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big City Finance, LLLP (TX)

I'm paying XXXX every 2 weeks, and XXXX is all that is going to principle. XXXX  fees of XXXX out of the XXXX i pay bi-weekly is insane. I did not know it would be like this. I borrowed XXXX, and they are taking money every time i get paid to total XXXX. XXXX  fees account for 93 % of my payment. That is completely outrageous and should be illegal.
Consumer complaint received 2022-05-27
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXL Account # XXXX, XXXX XXXX, XXXX, XXXX Account # 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.
Consumer complaint received 2022-05-27
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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, U S DEPT OF ED, XXXXXXXX, XXXX  Account # XXXX, XXXX XXXX, XXXX, XXXX Account # 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.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank is normally a tried and true member of our community. I took advantage of their Checking Bonus offer but they failed to credit my account the bonus by XX/XX/22 as promised. My many contacts with their branch representative and national XXXX service phone number has failed to enlist a fix.
Consumer complaint received 2017-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

Back in XXXX 2016, I was having a difficult time after XXXX XXXX XXXX the military and trying to get stable financially. I used this service to help me take care of a couple of emergent things that also involved some medical costs. I agree, the acquisition of the funds were attractive and easy. However, I was hoping that I would be able to pay it off quickly in order to avoid the very high interest rates attached to the loan. Unfortunately, this was not the outcome. I faced setback after setback, which prevented me from being able to perform the payoff desired, and I had to continue on their payment plan. During this process, my wife and I were beginning to have dental issues that needed to be addressed, and to protect my honor and my obligation with XXXX XXXX, I placed our need on the shelf, in order to continue paying them. I am now at a point where our XXXX needs must move from secondary to primary, and they need to be addressed. Pain has become a daily part of our life with the XXXX issues and I need to have these funds to meet the treatment needs. I have insurance which is very helpful. However, the associated cost I will have to pay is considerable. I also have XXXX XXXX XXXX challenges with XXXX XXXX XXXX after several XXXX and all of this has often XXXX XXXX  as well as XXXX XXXX. As I took a look at the payment schedule that is attached to this report, I noticed that I have paid off the amount that I originally borrowed, {$3100.00} to the amount of {$3800.00} - to date. I also took a look at the payoff amount to be released from the debt and it is {$3500.00}! And even worse, the complete payoff amount is {$16000.00}!! All from an initial amount of around {$3000.00}. This is way more than what I originally borrowed. In the past, I have had at least 2 conversations with the company in regards to paying off the loan early. I was always advised to wait until a certain date to avoid having more interest attached. But, at any rate as you can see in the documents enclosed, the interest rate is not in favor of the borrower in any way.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  maryland   XXXX and  my phone number is  XXXX
Consumer complaint received 2022-05-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FISERV INC. (CA)

www.clover.com CLOVER XXXX XXXX XXXX XXXX XXXX XXXX  This company started holding my funds from XX/XX/XXXX - XX/XX/XXXX and decided to close my account on XX/XX/XXXX. Clover, then wrote a letter to our company stating that it would take 30-90 days for us to receive the funds for any potential chargebacks, which we understood and we were patient and waited the full 90 days and we still have not received our funds that were on hold by them in the amount of {$5800.00} US Dollars. Our company has tried multiple times to reach out and get this resolved and we have not received any response. Our small business is family-owned and we opened during the COVID-19 pandemic and have struggled to make ends meet during this time and for this XXXX XXXX  CLOVER to hold our funds for past the 90 days is very unfair and to not have any response by them is extremely frustrating. We hope we can get this resolved by your help. Thank you
Consumer complaint received 2017-07-12
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. (NY)

I receive a cancellation on debt on XX/XX/XXXX, for account # XXXX, meanwhile XXXX is still reporting and colleting on this card, when by law they can not, they cancel the debt since it was froud. I contact the recovery department who is XXXX internal recovery on XX/XX/XXXX i spoke to someone by the name of XXXX ID # XXXX who told me i owed the money and it would be reporting on my credit until i paid it. I explained that i pay taxes for that debt, i asked to speck to supervisor or mananager, she told me that Managers or supervisors dont speak with Debtors.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TN)

I received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the US Small Business Administration ( SBA ) XX/XX/XXXX for {$17000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ). This was sent to my personal checking account at Citibank. Citibank subsequently froze my account, eventually stating that it was because the funds were sent from the SBA to a personal account and not a business account, which they considered a sign of fraud. I am a sole proprietor with an EIN through my personal name. Citibank did not alert me that my account was frozen ; I found out because automatic scheduled transfers from the account ( to pay my credit card and myself ) were not working - even though I was still able to deposit funds into the account. They proceeded to cancel my account XX/XX/XXXX. When my account was cancelled, I was mailed a check for the total in my account MINUS the XXXX amount of {$17000.00}. Citibank did not send me any documentation regarding the missing funds ; the XXXX total essentially just disappeared. I received a bank statement for XXXX XXXX XXXX XXXX noting my total funds were withdrawn and that my account was now closed. Since XX/XX/XXXX I have been on a countless phone calls with Citibank to try and figure out where the missing XXXX funds are. I was told the XXXX funds were sent back to the SBA, however the SBA continuously states they have never received the funds. On XX/XX/XXXX, through another call with with the bank, I was told that Citibank still has the funds and that I need to send a " letter of written authority '' asking them to disburse the funds back to sender ( SBA ). I was instructed to send the letter via fax or mail a physical copy. On XX/XX/XXXX, I both faxed and mailed this letter, but have not received any further information since then. I tried calling Citi again today ( XX/XX/XXXX ) after speaking to the SBA, who have yet to receive the funds. I was told that my Citi account has now been " blocked '', since XX/XX/XXXX. I have no information whether Citibank still has the XXXX  funds or if the funds are being sent back to the SBA, and spent over 3 hours on phone calls today trying to find any information but still have no resolution.