davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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)

Report Created on : XX/XX/2022 file Identification Number : # XXXX, provided by TransUnion XXXX XXXX. Investigation Results- DELETED : The dispute item ( XXXX ) XXXX XXXX XXXX was removed and deleted from my credit report. 

On said and about date XX/XX/2022, I received an alert from XXXX, detailed XXXX XXXX has flagged my account as Collection on XX/XX/2022. 

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 an account without my written instruction.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A. (ID)

I purchased a new vehicle in XXXX ( Vin # XXXX3 ) in XXXX of 2000, the vehicle was originally financed through XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX. The vehicle was paid off, however XXXX XXXX was acquired by CitiFinancial and has since gone out of business. I have moved from XXXX to XXXX and I am in need of a Lien Release in order to license my vehicle in my new state. I have tried to contact Citi to no avail, I was referred to website ( XXXX ) to acquire the documentation via XXXX XXXX, XXXX has confirmed that they have no record, and stated if the loan was paid for prior to their acquiring the auto loan portfolio from Citi they would not have any record of the lien release and referred me back to Citi. I tried several numbers and could not get human on the line, by searching XXXX I found that my situation is no isolated and many former XXXX XXXX customers have had similar experiences.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

I have a business account with Wells Fargo and I submitted a stop payment on ACH payments that are being withdrawn daily from my account. I have contacted Wells Fargo on two occasions and even paid {$31.00}. I contacted Wells Fargo on XX/XX/XXXX for the stop payment order and was charged {$31.00}. On the following day the payment came out of my account. I called Wells Fargo again on XX/XX/XXXX and created another case. Everyday after that the company continued to withdraw funds. Yesterday I went to wells Fargo and changed to a new bank account number. Somehow that company obtained the new bank account number and withdrew funds from the new account. I called Wells Fargo again today and theres no explanation on how that company is still able to withdraw funds with a stop payment and with me changing the bank account number
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (LA)

To whom it may concern, I have a Home Depot Consumer credit card. I received my statement for balance due for XX/XX/2019. It informed me that they never received payment for balance due XX/XX/2019. I did, however, make my payment in XX/XX/XXXX and have a copy of the canceled check through my bank with the stamp of approval through Home Depot. Ive called Home Depot multiple times in the past 3 weeks. I have faxed the copy of the canceled check to them daily for the past 2 & 1/2 weeks and they have yet to resolve this issue. Im being called almost daily to collect payment, they lowered my credit limit and they have given me 2 late charges. 
Thank you
Consumer complaint received 2018-04-30
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. (CA)

Equifax is reporting I have two open mortgage accounts which is incorrect. I have one open mortgage account and one closed with a XXXX balance as it was transferred TO A NEW LENDER. I HAVE NOTIFIED EQUIFAX of this numerous times and they are still reflecting the one account that should be closed with a XXXX balance as opened with a balance. I have reported this incorrect information and the other two credit bureaus have the correct information reflecting but Equifax is still not reporting my information correctly. the XXXX lending account should be closed with a XXXX  balance and they are reflecting it as opened with a balance.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (TX)

Im simply disputing my credit scores that have been grossly deflated by the Credit Reporting Agencies and have been reported that way for over 2 years by these same Credit Reporting Agencys. They have been reporting grossly inaccurate information that has caused great HARM to my family and I and continue to do so. Theyve done nothing to fix this.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-04-30
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. (CA)

Experian credit reporting is reporting an account closed that I have not ever had closed and has always been opened and in good status. I have reached out to Experian numerous times about this and they have ignored my requests and now will no longer process my requests to correct this error. all the other credit agencies have the information correct and Experian is the only one with incorrect date being supplied and shown on my report. they are reporting a closed credit card account with best by and my best buy account is opened and has been verified by best buy credit card department, I have reached out to Experian on this matter for over a year now. please make this right and update this correctly so my credit file reflects correct information.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Solutions (NV)

On XX/XX/XXXX I signed a contract or agreement with XXXX XXXX to settle credit card debt I had on three credit cards. I paid them {$18000.00} in monthly installments of {$820.00} over 20 or 22 months to resolve my debt. They took my money and did nothing to settle my debt. On XX/XX/XXXX, I received a summons/ law suit from XXXX XXXX XXXX and agreed to a settlement amount of {$6000.00}. XXXX XXXX  sent me a check for {$3800.00} to assist in this agreement. Now, I still have 2 other credit card accounts with outstanding balances they agreed to fix that are being reported negatively on my credit report making it difficult to make a big purchase at a reasonable interest rate.
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Health Care Management Services, Inc. (GA)

They are now calling my husband 's cell number and they were told verbally NEVER to contact me again. I have NEVER received notification of the debt to start with but they are calling after being told not to and are NASTY. I know of at least two occasions previously where they called me in recent weeks and I told them not to call again so that means don't contact at all to start with. And there have been previous calls, back previous to this recent rash of calls. Nothing in the mail from these people and they previously violated the demand to stop calling and said they would cease all communications on ALL accounts. At this point they owe me money for harassment.
Consumer complaint received 2018-04-30
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: Experian Information Solutions Inc. (IL)

I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account. 
Retain the original Consumer Account Number.

Retain the original Date Opened of the first disbursement.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that Experian XXXX XXXX And XXXX are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?
Consumer complaint received 2022-06-16
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. (CT)

THIS IS NOT A DUPLICATE CLAIM- THIS IS NOT A DUPLICATE CLAIM -THIS IS NOT A DUPLICATE CLAIM- THIS IS NOT A DUPLICATE CLAIM THIS IS A -UPDATE- TO CLAIM # XXXX ( PLEASE OPEN CLAIM # XXXX AGAIN EXPERIAN has violated me willingly in multiple ways under the guidelines of the F.C.R.A and is legally liable for damages and remedy. I demanded they settle with me by XX/XX/XXXX and they willingly DID NOT. This is my SECOND NOTICE to try and settle the matter in good faith demanding EXPERIAN to settle in good faith by XX/XX/XXXX. EXPERIAN has ignored me and has ignored the FCRA and has not settled for the amount demanded. I have lost confidence in the banking system due to the multiple violations upon I the consumer and original creditor and lack of care to settle by EXPERIAN. I desire legal action with EXPERIAN in order to settle for the federal violations.
Consumer complaint received 2022-06-16
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. (PA)

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : Credence Resource Management Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (SC)

I spoke with the creditor and scheduled a payment. They stated that although it is scheduled, I may still be contacted. They never I would be harassed. I received 11 calls between XX/XX/22 and XX/XX/22 ( this moment ). I may have received more, but some calls are blocked numbers which is an additional 4 calls. This does not include the 4 voice messages. 

I should not have to answer all day everyday when their system clearly shows an arrangement on file.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (AZ)

My name is XXXX XXXX ssn XXXX XXXX XXXX. An account was opened with Truist that I do not have an account number for as I did not open it. I have requested now twice for the account to be closed and they since have sent me information on my new account. When I asked to speak with a manager they did not comply.
Consumer complaint received 2018-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

I XXXX XXXX XXXX, will be doing a complete restructure of my current debt obligations outside of any bankruptcy filing. There is little hope for me if I continue carrying my current debt obligations unless I negotiate and settle my affairs directly. My biggest debt is with my mortgage, and I believe that I can modify my mortgage and get a forbearance time period so that the additional pressing debt issues are settled and resolved. Accordingly, I am request a modification package be sent to me in my email and/or to my home directly. This modification request will be completed by XX/XX/2019.
Consumer complaint received 2022-06-16
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. (WI)

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602. A states i have a right to privacy. 

15 U.S.C 1681 section 604. A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX i transferred {$4000.00} to XXXX XXXX, transaction # XXXX. On XXXX XXXXXXXX XXXX XXXX requested XXXX, the receiving Bank, to send the money back and they provided information/proof of the return. I validated that they have the correct account & routing # s for me. they provided the following proof : Chase reference # XXXX and the federal tracking # XXXX. When I did not see the money in my account, I called Chase on XX/XX/XXXX and 3 other calls since. I am submitting a complaint because I have not been able to get a straight answer from Chase other than " I don't see the money return to your account '' nor were they willing to take the numbers i shared in this complaint. They have been unusually dismissive and not willing to provide me with appropriate direction to address this through them. I reached out through XXXX on XX/XX/XXXX and they came back with the same thing. I spoke to the claims department and they said I've reached the wrong party as the wire issue i presented was not a true claim. Imagine that, me not receiving my {$4000.00} in my account is not appropriate for a claim. On that call the folks in claims advise that i send a secure message and I did on XX/XX/XXXX. I don't even know if it got to the correct party as i could not get clear direction. FYI - Even the claims folks were not interested in the federal tracking or the Chase issued referenced number. Thank you in advance for you help. I am not a rich person. I was just trying to help out a friend who in the end didnt need it but i would do it all over again just no by transfer just withdraw and drive the 3 hours to get it to her.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (PA)

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : Credence Resource Management Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit has reported on my credit, violated do not call notices which have been faxed and mailed. I have requested and never received anything in writing to validate this debt to include full accounting of balances, payments and authorization to collect. I have sent letters certified mail to no avail. I have contacted the company, disputed with the collection reporting agencies and received nothing back except a note on my credit report stated validated within in FDCPA. Why has no contact been made as requested. My do not contact was specific to phone calls as the calls were incessant even after my letters and faxes.
Consumer complaint received 2018-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I was contacted by Navient XX/XX/XXXX in regards to my student loans and setting up payment. I informed the lady at the time tat my mother had just went into a XXXX  and I was responsibe for her bill and my current bills, the $ 200+ dollars payment I could not afford. I asked her if there were any options on adjusting the amount as I had did with my goverenment loans. She said " No, you have to pay the $ 200+ amount, that is all that we can offer you ''. I informed her I could not do it and she screamed " well we will put this oh your credit report '' and hung up. At the end of XX/XX/XXXX, I started to monitor my credit report by signing up for XXXX XXXX and there was a neagtive reporting that I had not made payments to Navient in almost 2 years. I immediately called and the customer service agent could not verify my account and stated that my Social security and Date of birth did not match what they had in the system. I then inquired on how it could be reporting as negative/no payments when I have NOT received any written correspondence on what payements are required or any help with a payment plan, also you can not even give me information in regards to my account because you state the info does not match. I called back again XX/XX/XXXX same thing, they did not have the correct info in their system, therefore they can not direct or help me in anyway. I am is desperate need to remove these damaging reportings and get the correct info to try and start a repayment. Navient has been no help and everytime I call I get pushed to several different departments with the same spill given to me about my info not matching what's in their sysytem.
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (CA)

convergent is trying to collect on a debt that was charged off >7 years ago.

This debt was satisfied with the original debtor more than 7 years ago. 

XXXX XXXX XXXX is sending mail regarding a debt that was charged off and satisfied. It has been more than 7 years. 
XXXX XXXX XXXX and was charged off