davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment  and XXXX  15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

American Express recently informed me that it sent a {$50.00} check to me and attached a copy of a statement that listed my address. The American Express account statement does not show my correct mailing address that I gave to American Express when I opened an account with them. 

American Express asked me for two addresses when I opened my account : a physical street address and a mailing address. As one of the attached American Express Statements ( Statement_Enclosure.pdf ) indicates the address they have been mailing their correspondence to is incorrect. American Express should investigate what address I provided to them as my mailing address at the time I opened the account. Despite my many reports to American Express that I was not receiving critical correspondence from from and informing them multiple times during XXXX and XXXX about my correct mailing address, they still fail to address the mail properly and this is the first time they had shown me a document that has my address they way they printed it on their correspondence. 

I had not received the {$50.00} check that Amex promised they will mail me and American Expressed failed to perform a due diligence of their system to correct the problem.
Consumer complaint received 2024-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

Mohela did not reimburse my XXXX over payments with my PSLF Loan Forgiveness. My Mohela account number is/was XXXX. When I tried to contact them about this I was unable to log on because they closed my account and I was unable to file a complaint with them about not reimbursing my over payments. 
Prior to my PSLF Forgiveness in XXXX of XXXX, I had a hard time even getting my PSLF forgiven ( they " lost '' my PSLF application ) and only after filing the many complaints did they finally acknowledge and had my PSLF loans forgiven ). To accomplish this I had to file a complaint with, XXXX ( case # XXXX and XXXX ), and CFPB ( complaint # XXXX ), and contacted the White House XXXX XXXX No. XXXX ) and I had sent Mohela my payment history which clearly provides evidence of over payment ( see attachment ).
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: Medical Business Bureau (IL)

I am writing to formally lodge a complaint regarding the inaccurate reporting of an account on my credit reports, which is associated with XXXX XXXX XXXX XXXX and has been managed by your organization, Medical Business Bureau. This erroneous reporting has had a detrimental impact on my credit standing and necessitates urgent attention to rectify the situation. 

Upon reviewing my credit reports, I have identified discrepancies in the reporting of the account attributed to XXXX XXXX XXXX XXXX. These inaccuracies have adversely affected my creditworthiness, warranting immediate action to correct the record. 

In light of these concerns, I hereby request a comprehensive investigation into the account in question. Additionally, I kindly ask that you provide written documentation to substantiate the validity of the reported account, including but not limited to the following : Signed contracts or agreements relating to the services provided by XXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed records of service dates outlining the nature of services rendered. 
Comprehensive documentation indicating payment dates and amounts made towards this account.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter.

This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant.
Consumer complaint received 2017-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

I called Citi Bank at XXXX and spoke to XXXX. XXXX said his supervisor said to call my dad 's bank to file a complaint and to call the police. Citi Bank accepted a wire for this account XXXX on X/X/16 in association with an XXXX Gold Scam. The account holder is XXXX XXXX XXXX the amount was {$22000.00} The address of the bank is XXXX XXXX XXXX, XXXX NY XXXX
Consumer complaint received 2022-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

THIS ACCOUNT IS NOT MINE!!! This is a violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) and it must be deleted within 4 business days which already past because I AM A VICTIM OF IDENTITY THEFT BY LAW. DELETE THIS NOW. REMOVE IT OFF MY CREDIT REPORT IMMEDIATLY.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (TX)

I have tried to open a PNC bank account and neither would PNC or XXXX XXXX XXXX would not tell me why I could not open the account. I had one issue in the past with a credit union which was solved and reported to XXXX XXXX
Consumer complaint received 2022-03-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I visited a Toyota car dealership in XXXX XXXX, XXXX  called Toyota XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX ) on XX/XX/2022 and saw a XXXX XXXX I've contacted them again in about XXXX days and they told me the car I saw was already sold. They told me that if I want the car I'd have to come and make a deposit so I get the car in the next shipment. 
So I've visited them again on XX/XX/2022 and paid a {$5000.00} deposit and signed couple of papers for the car. I've been told that the car would arrive XXXX XX/XX/XXXX ( " in XXXX  days max '' was the exact words by the salesman ) the latest. I've followed up with them almost everyday until XX/XX/XXXX, the same answer I get was " it should be on the truck arriving today ''.

One thing I forgot to mention was that the VIN number put on the initial contract is different than the actual VIN number of the car I was supposed to get. When I said that to the salesman he said " Oh we will have to redo some paperwork to fix it don't worry ''! So I was sold a car that didn't even exist! 
On XXXX  XX/XX/2022. I went to them and told them I don't want the car since they have been so irresponsible with the paperwork and the promised delivery time. They told me OK and they took my debit card ( the same card I paid the {$5000.00} with ) to accounting office and then gave it back to me and told me your refund should be issued in around XXXX  to XXXX business days. 
Now I'm writing this on XX/XX/2022, little over a month from the day I was told that the refund will be issued, and still I haven't received my refund. I've contacted them thousands time and I always get ditched. 
And to make things worse, I see a car loan with XXXX XXXXXXXX XXXX in my name for a car I didn't even purchase!
Consumer complaint received 2022-10-26
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U S C 1681 section 602A. 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 account without my written consent
Consumer complaint received 2022-10-26
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: GUARANTEED RATE INC. (CO)

I co-borrow a mortgage with XXXX since XXXX maybe, XXXX XXXX about refinancing by himself with citywide home loans in XXXX of XXXX, citywide did a hard credit pull on me without my consent ( XXXX just inquired about qualifying by himself ), I called on XX/XX/XXXX citywide home loans right away and a regional agent contacted me ( XXXX XXXX ), I asked politely to remove that pull from my credit since it was pulled without my consent, after seeing it was not removed I called XXXX again on XX/XX/XXXX and he confirmed again that according to him it was already removed, it is XXXX and the record still in my credit history. 

Thank you!
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NY)

This is a continuation of XXXX. 

This is a continuation of the complaint that I filed with the Consumer Financial Protection Bureau. 

As is indicated in Citibank 's records, from XX/XX/2022 to XX/XX/2022, my online transaction history did not reflect payment of {$99.00} for the XXXX  software until XX/XX/2022. According to the person with whom I spoke today, even with the {$99.00} which was credited back to my account today because of my request for refund, my account is still {$78.00} short. She said that I was short {$170.00}. The {$170.00} short was never reflected in my transaction history. 

I counted my transactions and discovered that I overspent. Please note, however, that the overspending is related to Citibank 's not keeping an accurate record my transaction history, and the associated balances that were misrepresented from XX/XX/2022 until today. 

Lastly, I received an e-mail from Citibank that it would suspend my account. If my account is suspended ( or closed ), I will not be able to receive my XXXX monies from the Social Security Administration. If this happens, I have to file a complaint with the Americans with Disabilities Act because I have a right to receive my XXXX payment without my account being closed as an act of retaliation. 

Where Citibank is concerned, I plan to close the account, but I will not close it until receive my XXXX money from the Social Security Administration. I do not want to close the account leaving a negative balance. 

Thank you.
Consumer complaint received 2022-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

I have reached out to Equifax and disputed these accounts several times and they are insisting on not removing them. I have requested validation of these debts several times to support their supposed verification of the collections. I have not received any validation of these debts they are reporting against me. It is now very evident that Equifax is violating my rights and are not acting in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

I have contacted the company on various accessions and have disputed this account numerous times. Ive asked them to validate this account to show the means of where it originated with no is full results returned back to me, and with nothing but vicious attacks on my credit file like this happening in return from them causing harm in the effect of not being approved for a refinance for my home due directly to their illegal tactics.I have submitted to them on occasions ample evidence that I have no recollection of this debt and am not responsible for it and they still maintain the position of neglectful sabotage on my credit file by changing the balance periodically by {$1.00} and the dates and nothing is ever the same that they report but the all of the CRAs let them keep getting away with it by the simple means of them just saying the company verified everything without actually doing anything or having to prove an actual thing on their end.
Consumer complaint received 2022-08-30
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2022-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.
Consumer complaint received 2022-10-26
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)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person.

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.

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. 

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Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery stated that i owe them {$620.00} for a XXXX XXXX card ending in XXXX, but on their verification letter the amount is {$620.00}, These amounts are different, and since they record their phone calls i would like them to share the conversation i had with them on XXXX/XXXX/15 at XXXX ( XXXX XXXX XXXX ) stating i owe {$620.00}, and how I have a letter from them stating i owe {$620.00}. I find this to be unlawful for them to collect the wrong amount. I demand that since their unlawful practices trying to collect more money than i actually owe that their reporting to all XXXX credit bureaus cease immediately. And any mention of Portfolio Recovery and Associates be removed from all XXXX credit bureaus.
Consumer complaint received 2023-06-10
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. (PA)

Company continues to report inaccuracies on my consumer report thats negatively impacted my ability to brain credit. This debt has been charged off and is in delinquent status yet theyre reporting on time payments and adding interest to an account that has been closed and charged off. In accordance with the Pa department of revenue once a 1099-c is filed with the irs and the debt reported as taxable income it is then unenforceable and void. This is a direct violation of the fcpa and my consumer rights. 

Account Name : XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (MO)

Unathorized " XXXX  '' transactions were taken ( XX/XX/XXXX ) through a phishing scam ( {$1000.00}, {$1000.00}, {$1000.00}, and {$500.00} ). The bank was contacted no more than 10 minutes after transactions and a fraud claim was drafted. When viewing my account the payments were fully processed on XX/XX/XXXX. After waiting 11 business days, I contacted the bank when they notified me that their investigation denied my claim. ( XX/XX/XXXX ) I then refiled a claim with the bank and filed a case with my police department. The officer had a case number but needed an affidavit of fraud. After contacting the bank they claimed to be in the process of sending it to both my email and the officer after 24 hours I recontacted the bank when they said it might be a 24 to 48-hour hold while the claim was freshly opened ( XX/XX/XXXX ). Today on XX/XX/XXXX I still had not received the affidavit and contacted the fraud department again when they notified me that those are not drafted for my type of claim.