davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
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. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-01-21
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)

I am filing this complaint as the XXXX and Equifax credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed account is XXXX XXXX XXXX Account number XXXX XXXX wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (IN)

I checked my XXXX credit score on XX/XX/XXXX and noticed that I have 3 reports of the same company I called XXXX and they told me it should only be counted as one but it's got it 3 times. The inquiry is for Factual Data and the dates are XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (IL)

Discover said they were unable to Contact Me using my phone number after many attempts. I also was unable to log in to my account to connect it to my checking account, I Was able to make some progress and found that they were using the Wrong number.. 
I was unable to change it my self because of limited access I address the issue with them they facetiously said it ( must ) be on my end??
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He sent me {$220.00} through Zelle for the item. I got an error that said my account has been limited and not a business account so the money couldn't be credited and I had to send the buyer {$200.00}. The email address he provided was XXXX and the Zelle alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. I was told I needed to send him {$300.00} extra to further verify my account which I did. 

Then, I was asked to send {$500.00} MORE, to another email address : XXXX. I did not send this amount. I blocked the seller from sending any further messages. 

I called XXXX that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. 

I also filed a police report with the XXXX County Police Department, and a complaint with the FBI XXXX XXXX XXXX XXXX. 

I received a letter from XXXX, dated XX/XX/XXXX saying that my dispute has been denied. 

I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act XXXX XXXX also known as Regulation E. The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

have received illegal post correspondence from HHRG regarding The Fair Debt Collection Practices Act 15USC 1692 states that the bill has the following listed violations.

15USC1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails 15USC1692D ( 2 ) language the natural consequence of which is to abuse the hearer or reader.

15USC1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of ALL charges.

15USC1692F ( 7 ) Communicating with a consumer regarding a debt by post card.

15USC1692e ( 2 ) ( a ) the amount of any debt.

15USC1692b ( 2 ) not state that such consumer owes any debt HHRG has not responded to any correspondence since my first certified attempt on the collection of fines.

HHRG XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX
Consumer complaint received 2019-01-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one bank kept increased my credit card limit to temptated me overspent, now i couldn't afford to pay even the minimum due, and they keep charging late fee while they said they will pur me on a program that won't charge me late fee. I can't afford to pay them, so scary, they want to kill me. Help.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

On XX/XX/21, I received a notice to pay or quit, this says it is an attempt to collect a debt because I have not paid rent. However, this document shows false information, misleading statements, and incorrect amounts. This notice is labeled as a Covid-related matter that is irrelevant to this matter. In addition, the document requires I sign a declaration and proof of service with a 15-day time frame, and failing to do so can result in eviction, fines, recovery fees, etc. I can provide legal proof with the creditable government documentation in regards to the actual facts behind the motive as to why I am being addressed, wrongfully evicted, and harassed.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

To whom it may concern, Two weeks ago on Thursday, XX/XX/XXXX I received a call from Citi saying that after an internal investigation that my claims that you did not change my credit card account to my new account were indeed valid ( after 6 calls sinceXX/XX/XXXX ) in the investigation proved that city was wrong. The fact that after a perfect payment history I was doing a 30 day late hit on my credit reports were most definitely your fault. 

I was apologized to. I have a recording from your company XXXX representative ) who reviewed the recordings stating that my credit would be corrected and I would be issued a fax letter to my mortgage lender as Im in the middle of purchasing a new home. That you were sorry and would immediately correct this error. 

This credit hit is greatly affecting my loan APR and mortgage rate. 

Alas two weeks later no one has sent a fax I called and was on the phone for over 3 1/2 hours yesterday. I was run through XXXX call centers multiple people everybody contradicted everybody. 

I want this issue resolved tomorrow or Im going to get everyone I can involved with this. this problem will not go away. 

CITI messed up and needs to correct the issue as they guaranteed me they would. My mortgage lender is waiting on the faX that you guys promised. half your team says that they cant send a fax after the first three or four people Ive talked to said they would send a fax. again yesterday I was promised another fax the response being 24 to 48 hours. 

Please review my account and fix it accordingly I expect a call from you guys tomorrow XX/XX/2019 Wednesday. 

I close on my house next Wednesday. 

Please review all notes recordings and documentation related to my file. I do not feel like explaining myself one more time. 

Also I need an a mediately correction with all three credit bureaus XXXX, XXXXXXXX, and XXXX XXXX. 

The investigation was complete XX/XX/XXXX that is nine business days ago. I was told 7 to 10 business days tomorrow is your 10th day. 

All late charges and interest accrued due to your air need to be re-compensated to myself. 

Regards, XXXX XXXX XXXX Citi diamond preferred card # XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX - Claiming to be collection on behalf of Citibank. Citibank has not communicated with me - turned over to collections and I am now dealing with XXXX XXXX XXXX. Refuses to send me information about their company. Has asked where I work, my other bills, and has asked me for my Social Security number. Threatened to sue me, repossess my car if I ca n't come up with a settlement payment. Not willing to work with me, and keeps asking for my bank account information along with my social security number. I am now afraid this is fraud, and my identity will be stolen. I am not sure what to do at this point. I am scared.
Consumer complaint received 2021-05-11
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. (CA)

There are 11 accounts that do not belong to me I have been going back and forthe with the bureuas regarding this since XXXX of 2020 I have opened an FTC I have called and written letters to the bureaus but nothing is being opened or even looked at I need this taken care of since these are not my accounts and they do not belong in my report!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-07-06
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy 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 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX  became my loan servicer XX/XX/2020. My credit report shows reflects inaccurate late payment history for the timeframe XXXX through XX/XX/2020 for Experian XXXX XXXX and XXXX. Experian shows 180 days late, XXXX XXXX shows 120 days late and XXXX shows 120 days late which is inaccurate reporting. XXXXXXXX XXXX XXXX was not the loan servicer for frame reported and is incorrectly reported on my account. XXXX XXXX  is also reporting in accurate information for XXXX XXXX 30 days late on all three bureaus XXXX 30 days late on all three bureaus and XXXX for Experian only. I have never been late on my mortgage payments. I demand that all three credit bureaus are updated to reflect no late payment history as of XX/XX/2020 to current and all payment history prior to XXXX XXXX purchasing my mortgage loan removed from my credit report.
Consumer complaint received 2021-05-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

sls is the lender on my home on the 2nd deed. they have not responded to any of my inquiries as to why they are taking my overpayments and applying them to interest in the following month and not reducing it to my principal.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-08
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. (SC)

I have contact and disputed with all credit Bureau in regards to collection debt under {$500.00} that still have been removed from credit report.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

To whom it may concern : This letter is being sent to you in response to a correspondence sent to me. This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identication of the original creditor in writing and that the collector must cease collection until he veries the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verication of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I request the following :
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (CA)

I submitted a dispute with Experian on XX/XX/XXXX as of today XX/XX/XXXX I have not received no answer at all. According to FCRA if a dispute takes more than 30 days it must be remove. Attach to this dispute I am attaching the letter I sent them and copy of my ID and SS card to prove my identity thx.
Consumer complaint received 2019-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Ocwen has constantly harassed and left door tags at our home when we have not been late. Our mortgage is current and our payments have been doubled. I ask about the fees and extra charges but never get a explanation. They have also not accounted for payments causing late payment fees which we should never have had.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Winklevoss Exchange LLC (CA)

I have about a dozen transactions with Gemini crypto exchange since late XXXX where I was charged double fees. When you place an order it deducts from your entered dollar amount. Then when I look on my bank account I am being charged for the dollar amount PLUS the fee they already deducted in the order. 

They have ignored my email after months of waiting and I have repeatedly read getting the Financial Protection Bureau is the best bet to get a response. Please do anything you can.
Consumer complaint received 2019-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

Over the past 4 months I have attempted to enter into an income based repayment plan through Navient Student Loans. Every month ( and sometimes a couple of times a month ) since XX/XX/2019 I have called in attempting to resolve this. I have received different answers on every call and misinformation that has led me to have to continue to put my loan in forbearance for the past 5 months so they can fix the situation on their end. Every month I have provided up to date pay stub information, and every month am asked to do it again so they can calculate my IBR correctly. I have finally been told that my monthly payment will include any overtime I've received over the past year, regardless if I am able to receive overtime over this following year. I can not believe a federal student loan provider would calculate payment information based on variable pay ; that is grossly irresponsible. So based on business needs, if my business does not have the budget to allow over time this year, I am still responsible for the additional payment amounts to Navient. This company is absolutely appalling to work with and is the reason student loan debt is such a massive issue ; STUDENTS STEER CLEAR, DO NOT GET LOANS FROM NAVIENT.
Consumer complaint received 2015-06-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

CITIFINANCIAL HAS PLACED DEBTOR BLAME ON ME FROM AN ACCOUNT APPARENLTY OPEND LAST DECADE. I HAVE NO KNOLEDGE AOF ANY ACCOUNT WITH CITIFANCIAL. I HAVE TRIED TO TO GET THEM TO REMOVE ANY REFERNCES TO ME WITH THIS ACCOUNT BUT THEY REFUSED. EVEN XXXX COLLECTION AGENCY CLEARED ME OF ANY DEBT ; YET CITIFIANCIAL CHOOSES TO OVERRULE. I JUST WANT THE DEBT REMOVED FROM BY CREDIT PROFILE.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$2500.00}.
Consumer complaint received 2022-01-21
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. (PA)

TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!