davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$6700.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-11-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Insight Management Partners, LLC (KS)

In addition to calling the # I gave, which is my cell, they also called me at work today and took a long time to finally tell me who they were. This was for my husband 's debt, who is currently at a stage XXXX XXXX XXXX and can not work. I told him why he nor I can pay the debt is due to XXXX and he was completely rude and said that he is marking it as refusal to pay. He also made a reference that they can take legal action. 

the name of this Debt Collector - Insight Management XXXX The name of the rude agent - XXXX XXXX
Consumer complaint received 2018-04-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SC)

I filed a complaint that was only partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX  actually owes me {$1100.00} in overpaid interest.
Consumer complaint received 2017-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

Re : Capital One Account ending in XXXX This credit card had a credit protection service on it, in the event of job loss. When I called in to report my job loss, the creditor said they no longer honor that program. Subsequently, this is a violation of basic contracts law as there was no meeting of the minds at inception, violation of the UCC section 2-201, as I had made regular payments and had a reasonable expectation of the minimum payments to be made during the time of my job loss. Additionally, I find a violation of section 1-304 of the UCC as the creditor had no good faith, and entered the contract with unclean hands.
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XX/XX/2018 Portfolio Recovery received a request for validation in regards to an erroneous marker on my credit report. After 3o days of not hearing a response, I then sent a non-response letter to Portfolio Recovery which was received by said company on XX/XX/2018. This letter let them know that 1. I sent a Validation request per my right and that they have not responded and 2. Being that they have not provided proper validation they are now in violation of FCPDA and giving them an extra 15 days which of course they didn't comply. 

Please see attached for 1. Validation letter 2. Letter sent after nonresponse of Validation Letter
Consumer complaint received 2018-11-01
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. (AL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX, XXXX, and Experian To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX   XXXX  Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I mailed Transunion a letter on XXXX/XXXX/XXXX to request, the a credit report was accurate and correct .When i received the up dated report .The XXXX account was, different on the on every Credit report. The payment history and the charge off date and account type -detail. Plus there was several more errors and loan terms. 

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

15 U.S.C. 1681 section 602 A. States, I have a right to my privacy 15 U.S.C 1681 604 A section 604 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-11
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: BARCLAYS BANK DELAWARE (NY)

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did n

ot grant you authorization to review my credit report. The Fair Credit Reporting Act req
uires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. I
f you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

In XX/XX/XXXX I received a letter from I.Q. Data International demanding payment for money they claim I owe my previous landlord. I wrote a letter telling them I was disputing the demand and asked for documentation that I owed the money. They sent me page 1 & 7 of the lease. I pointed out that page 1 of the lease proves I do NOT owe the money : Paragraph 2 states that the lease terminated on XXXX XXXX XXXX.

Paragraph 4d states that the landlord has 21 days from the day tenant vacates the property to provide an itemized accounting of money owed to the landlord. I moved out on XX/XX/XXXX and the first contact I had regarding money the landlord claims I owe was the demand from I.Q. Data Intl. from XX/XX/XXXX.
Consumer complaint received 2018-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (IN)

I have disputed this debt and asked for verification on XX/XX/2018 and XX/XX/2018. 
I received what appears to be a copy of monthly statement. A monthly statement does not validate a debt it needs to be a signed written contract under FDCPA and FCRA rules and guidlines.I have also received a letter threatning to sue me for the amount oued on the debt .On XX/XX/2018 i received a letter from an attorney threatning to sue me. 
I have all documented communication.
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (IL)

I was notified that this debt existed with Convergent through me accessing my credit file to discover there was a collection item in the amount of {$340.00}. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and Convergent both assured me that if I paid the debt it would be removed from my credit file. I immediately paid the debt in full only to have the debt not removed but updated on my file to a new date which actually hurt my credit score even more. I have called Convergent several times to no avail as well as XXXX who only refers me back to Convergent as they are the ones that reported the negative item on my credit report.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2022, XXXX XXXX  initiated ( pursuant to my request ) a redemption of two Series I bonds in the amounts of {$12000.00} and {$12000.00}, with my Capital One Bank savings account as the payment destination. Although two weeks have passed, the proceeds have not been deposited into my Capital One savings account. I have tried repeatedly to contact XXXX XXXX  both by email and phone. The email responses say that because of the volume of mail, I may not receive a response for XXXX weeks. When I've called XXXX  XXXX ( at least 5 times ), I've gotten a voice message that says that due to volume, they can not take any more calls. I was able to obtain online via my XXXX  XXXX account the trace numbers for both transactions and provided them to Capital One on Thursday XX/XX/XXXX. Today ( XX/XX/XXXX ), I received an email response from Capitol One saying that the trace numbers yielded no results. Afterwards, I called Capitol One Customer Service and Fraud Departments and was told that they could do nothing more -- that I would have to contact XXXX XXXX. I explained that it's impossible to reach XXXX  XXXX and asked that Capitol One contact XXXX XXXX. Capitol One staff told me that they could not contact XXXX  XXXX and that they would not investigate the transaction as a fraud because there has been no activity in my account. In other words, Capitol One is saying that because the deposits are missing, this can't be a fraud. This is incomprehensible. I'd appreciate any steps you could take to track down the redemption proceeds. As it now stands, either XXXX  XXXX or Capitol One has lost {$23000.00} that belongs to me. Thank you.
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Green & Sons Agency, Inc. (UT)

The debt they are trying to collect has been paid for over a year. It is {$100.00} in elementary school lunch fees my child incurred. The debt was paid to the school at the end of the year. This collector calls every single day trying to collect a laughable {$100.00}. Not to mention, there isn't a person on the other line - they simply provide an automated message telling the CONSUMER to CALL the collector. If they want to handle the debt, they need to have a person on the line when you answer, not a computer. There is no way I'm going to take the time to call them back, sit on hold to tell them the erroneous debt has been paid for close to a year.
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing right now with wish to obtain your help. Presently I am working on reviewing my credit, paying down my balances, and pursuing superior credit worthiness. You play a vital part in this procedure. I am inquiring about the account number referenced within this complaint. 
I see you have reported me 30 days late to the credit agency 's ( XXXX XXXX XXXX XXXX ) on XX/XX/2018 and I am writing to get this remark took back. I had believe I had made all my payments on time, the only thing I can think of, is actually that my statement failed to get to me in time
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I am XXXX XXXX, the licensee speaking on behalf of XXXX XXXX who is a consumer in my XXXX and is XXXX XXXX. We have been attempting to go receive copies of XXXX 's Bank Statements and assist him with closing the account for the last few weeks. We have visited 2 Wells Fargo branches, however, they are insisting that we bring someone with the Power of Attorney for XXXX XXXX. However, as XXXX is NOT conserved, there is no one with the power of attorney and should be able to receive his documents upon requesting them at the branch. His SSI benefits were cut in XX/XX/XXXX, and we are attempting to assist him in getting them back. SSI is asking for the bank statements and requesting the account be closed before they can consider giving his benefits back. Any help on the issue would be greatly appreciated.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

Unable to obtain a copy of my free annual credit report from Equifax. Have requested two times in XX/XX/2018 ( XX/XX/XXXX and XXXX XXXX ) and still have not received a copy
Consumer complaint received 2022-03-14
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 (NY)

American Express contacted me numerous times at multiple addresses, against various state and federal laws. American Express contacted me in XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and XXXX. These contacts were made despite multiple requests with the XXXX Opt-out, the Federal Trade Commission , the XXXX XXXX Opt out , the XXXX XXXX  Opt-Out and direct requests made with the CFPB. I am so offended that American Express continued to reach out after multiple attempts. There company has failed to rectify the situation. If I was to make repeated contacts to an individual or to another business after repeated requests i would be jailed and probably charged with criminal charges. Yet, American Express has ignored all of the rules and contacted me throughout the past two years. Now they have stopped contacting me, yet i am still terrified of being contacted by others and am emotionally traumatized by the lack of remorse and empathy shown by AMEX. I have done nothing to AMEX and i repeated contacted after numerous requests not to be contacted. AMEX claims that they have fixed the issue, yet the past still remains with me and i am tortured by the thought that my formal and unaggressive requests to not be contacted were repeatedly ignored.
Consumer complaint received 2018-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (IL)

Around XX/XX/2018 I contacted my mortgage company to see if they were having refinancing specials such as paying for the appraisals and they said yes. So I applied to refinance on my home. They asked me what I thought the value was and I told them what last years ' value was based on a previous refinance which was {$160000.00}. I was approved to refinance and after submitting all my paperwork I was told a few of weeks later that an appraiser needed to come out and that I had to pay {$510.00} for it. I questioned the part about having to pay because initially I was told that I wouldn't have to so after consulting with their people, they said that I would get it back in closing. I asked if they could use the appraisal from last year since it was with the same mortgage company and they said no. Well the appraisal came back less than the previous years ' report. It was appraised at {$120000.00} and they denied me the refinance. I don't understand why my approval was based on last years and if that was the determining factor why didn't they do that first. I owe {$100000.00} on my home and couldn't understand why they wouldn't just refinance it with that amount. I felt discrimination from the appraisers when they came out and that they wouldn't give me a fair report. The home across the road from mine is listed to sell for {$490000.00} and the homes are valued much higher than that. I disputed that appraisal because the report wasn't accurate and the listing on XXXX doesn't give the accurate report of my home. The sq ft that's listed on XXXX is 1495 when actually it's 3400 sq ft. My dispute was denied and if I wanted to proceed with the loan application I would have to bring {$10000.00} to closing which I didn't understand. So the loan was denied and I'm out of {$510.00} and another inquiry on my credit report for the next 2 years. Which caused my score to drop. I still would like to refinance my home to take care of the financial needs that I have. I'm not sure what to do at this point and need help to at least get a refund.
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (GA)

XX/XX/2021 XX/XX/2021 XXXX and XX/XX/2021. I contacted AR Resources about this debt. I requested a HIPPA release form with the original signature as well as the Original signature on any MEDICAL bill. AR Resources has yet to send me proof of my original signature or the HIPPA release. AR Resources and the credit reporting agencies are in violation of federal laws. I am requesting that my name and information be deleted from this company. They have placed 9 negative marks and comments.I have also filed disputes with all of the credit reporting agencies including the FTC and XXXX.
Consumer complaint received 2022-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MN)

I found three credit cards in my name but never saw before a couple weeks ago, one was trying up for XXXX dollars!! I never saw the card it charged v anything in my life on this card I was XXXX in the hole now I am all the sudden XXXX I need help someone b is also b on my phone no matter what u do in can't get b him n of v my phone he switches all my settings turns on g pay in my name and also XXXX in my name I really need help n getting to the bottom of this thank you XXXX XXXX also been through 23 phone in ,2 years cuz he just b purse spam all over them
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX CORP-Date of XXXX XX/XX/XXXX XXXXate of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-18
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: TRUIST FINANCIAL CORPORATION (GA)

Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To SUNTRUST XXXX on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my [ XXXX, XXXX, and/or XXXX ] consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides XXXX A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not give you written instruction and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with SUNTRUST XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SUNTRUST XXXX for review or collection., under the FCRA XXXX Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C . 1681n ( a ).