davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

UPDATE!!!! XXXX XXXX has deleted the fraudulent bankruptcy on XX/XX/21!! I have attached the letter from them stating they were unable to verify the accuracy of the bankruptcy. FCRA, 15 USC 1681 The public records and the associated bankruptcy derogatory accounts must be deleted.

Previous message So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been dong a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand action
Consumer complaint received 2018-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX I answered an ad on the computer for XXXX XXXX XXXX from the XXXX XXXX company it was an introductory offer, I paid less than {$5.00} for each one I received them 5 days later, on XX/XX/XXXX I saw two charges made on my credit card that weren't made by me I immediately called the XXXX XXXX XXXX to report this the charges were {$84.00} and {$89.00} I filed out the dispute form and sent it back, they closed out the dispute without even trying to get the charges taken off, I made several calls to the Bank and got nowhere, on XX/XX/XXXX I had two more charges on my credit card the first two charges that were made I never received anything on XX/XX/XXXX the two charges were {$89.00} and {$93.00} again I called the XXXX XXXX XXXX and I filed out another dispute on XX/XX/XXXX I received a package from the XXXX XXXX company I took it to the post office and sent it back refused they received it back a few days later, I asked XXXX XXXX to remove the charges and they sent me a letteron XX/XX/XXXXtelling me they were mine so I am stuck my credit score has dropped and my life has been ruined because of this my only source of income is social security, I have sent a complaint to the XXXX XXXX XXXX and to date nothing has been resolved I am in hopes that you can help me as a result of this I have had my credit card maxed and several charges put on my credit card from the unpaid balance.
Consumer complaint received 2021-12-29
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: LoanCare, LLC (TX)

I have been a customer with your company since XX/XX/2018, and during that time, have enjoyed our experience with LOANCARE greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have two late payment ( s ) on the above referenced account in XX/XX/2018 and XX/XX/2018. Since that time, I have been an exceptional customer paying every month on time and never 30 days late.
Consumer complaint received 2018-06-30
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/18, I asked Ally Financial to not send mail to a specific address and not to call a specific telephone number. They asked for me to have the other member on the account sign a letter to verify this information and they did. Ally received the signed documentation and agreed not to send mail or contact the phone number I requested. On XX/XX/18, Ally sent mail again to the address we specifically agreed not to send mail to. This is a continuous habit of Ally Financial as they believe and continue to do whatever they please without any consideration.
Consumer complaint received 2022-02-05
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: EQUIFAX, INC. (NE)

Hello my name is XXXX XXXX and I have new and updated information about Equifax. I recently submitted a complaint about Equifax violating my federal rights to a reasonable investigation. Attached exhibit is Equifax response stating they received my complaint yet they will mail me the results. I have the right to receive my results through the CFPB as well. As federal law states a consumer can receive such correspondences through any direction. Along with the results of the investigation as stated in my previous complaint Equifax is also to provide the details of the investigation, a list of all persons that Equifax do business with regarding my consumer report.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

I am currently in a dispute with a merchant regarding their use of a contract that's in violation of 12 CFR Part 1005 ( Regulation E ) " compulsory use '' provision. I've provided the merchant notice pursuant to Consumer Financial Protection Bureau guidance on XX/XX/2021 XXXX XXXX. However, they have indicated that they will not comply unless I cancel the contract, which would would allow them to deducted the remaining alleged balance from my debit card account. Unable to convince them otherwise I then contacted my bank on XX/XX/2021 XXXX XXXX. I was assured that. " I've blocked XXXX on your debit card and here 's a quick disclosure : " on XX/XX/2021 XXXX XXXX by XXXX XXXX U.S. Bank Email Operations Department. On XX/XX/2021 I discovered a pending transaction from XXXX. I called customer service regarding this transaction on that same day and I was told that the assurance I was given would not be honored. I was told that there was a disclaimer in my electronic banking agreement. However I could not find it. I was also informed that the stop payment that I was assured of on XX/XX/2021 would not be effective until after my phone call of XX/XX/2021. I was then instructed to dispute the transaction. Also on XX/XX/2021 I was informed by XXXX XXXX U.S. Bank Email Operations Department that XXXX XXXX had changed the merchant ID they're using to charge your debit card which is why the stop I had in place didn't prevent this one from being received. I was instructed to use their form to dispute the charge. However, their form does not provide an option related to having been assured by their staff that there was a stop payment in place.
Consumer complaint received 2018-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

XXXX XXXX by XXXX billed me for water I never received. When the account was first open I received one case of water and a cooler bought. They billed me for water that they never delivered. They never came back to my address. I remember clear as day the driver was complaining about the drive which was in the year XX/XX/2009.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (IL)

I received a collection letter from a company called XXXX XXXX XXXX XXXX on behalf of XXXX claiming that I owe {$4400.00}. However, I have never opened a XXXX Account. I contacted XXXX XXXX and sent them a letter on XX/XX/XXXX, requesting verification of this debt. On XX/XX/XXXX, I received a letter from XXXX  XXXX  stating that they were unable to verify this debt and removed the debt from my credit report. As an additional measure, I went to my local police station and completed a police report about this identify theft. 

However, on XX/XX/XXXX, I received a letter from a new debt collector, Diversified Adjustment Service , Inc. attempting to collect a XXXX Debt in the amount of {$4400.00}. XXXX and the subsequent debt collectors have been unable to verify this debt but are still continuing to try to collect this debt. They are now contacting me at my office as well. I have no idea how to resolve this matter further and I am seeking your assistance. Thank you.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I reviewed my XXXX statement from Capital One and saw they reported an inaccurate balance of {$82.00}. I have been paying my balance in full for the past few months now. I am very confused how theyre reporting FALSE balance to the bureaus and making FRAUDULENT statements. I have been a consumer for over 5 years. This now makes me want to leave and NEVER DO BUSINESS with Capital One EVER again. 
My transactions totaled {$1000.00} for a 31 day billing cycle ( XX/XX/XXXX XX/XX/XXXX ). There was a total of 4 payments made during my cycle. The following payments were {$200.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX, 2 payments of {$82.00} each on XX/XX/XXXX. I also had credits included from rewards and refunds which totaled {$150.00}. Anyone can do that math and see that balance was paid in full. 
I contacted Capital One XXXX XXXX XXXX following the issue above. I was on hold for an extended period and hung up since I could not get through to speak to an agent. I called again XX/XX/XXXX around XXXX cst. I finally spoke to an agent named XXXX and was on hold for over 20 mins trying to get the issue resolved. He assured me my payment will reflect on my next billing statement. After, the call I disputed the matter with XXXX XXXX. Following that dispute they decided to report a balance to the bureaus reflecting transactions made after my billing cycle. I decided to leave the matter alone since agent XXXX said that it would be fixed. I also asked multiple times for documentation when on the call. He just kept assuring me it will be handled next statement cycle. 
My XXXX statement was finally available on XX/XX/XXXX. When I see my statement, it still showed that I had a previous balance of {$82.00} from XXXX. Which are inaccurate calculations if my balance was paid in full. So, I contacted Capital One again for the THIRD XXXX time following this matter of false statements and inaccuracies. The call was made around XXXX. I spoke to an agent named XXXX he then stated that I would receive a statement in the mail within 3-10 business days reflecting that my XXXX balance was paid in full. I asked to receive it digitally because in the app it just looks like theyre trying to HIDE their FRAUDULENT statements. The agent XXXX then says, It will be fixed on your next billing cycle. I asked to speak to someone else because now youre giving me two different answers. The call was then handled by a supervisor named XXXX, she was stating that there was no error and proceeded to go over the FALSE BILLING STATEMENTS. I told her I am looking at my transactions and there is ERRORS AND INACCURACIES. She insisted there was no error. So, I stated that I would just have to report the issue to a higher matter. I also received an email before the call stating there was a system update causing an error in my due date.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XXXX I took out a mortgage with Fifth Third when I purchased my house. In XXXX I took part in the XXXX XXXX XXXX XXXX. The loan officer I was working with indicated that a value on my home wasn't needed as Fifth Third Bank had previously closed my loan. In XX/XX/XXXX, I contacted Fifth Third Bank to inquire about my PMI still being on the loan. My original purchase price value was {$150000.00} and I was well under 80 % LTV. I called by phone to Fifth Third Bank and they required that I send an email. Upon sending an email they never got back to me even though I received a confirmed response from Fifth Third. I inquired in XX/XX/XXXX why PMI was still on my account and they advised they mailed something to me back in XXXX. I advised I never received and they didn't offer to send it to me. I find it interesting that they require I communicate by email but then they change the way they respond. They advised my request was denied for PMI removal as a widely inaccurate AVM was pulled in XXXX with the HARP program. My house has a XXXX SEV of {$100000.00} so my value is clearly above {$200000.00}. Fifth Third advised the only way to remove the PMI was to get an appraisal since the AVM was {$130000.00} in XXXX. I inquired about the use of an AVM and they declined. I feel it is unfair that a lender can use an AVM but a borrower can not for similar purposes. I inquired about a value disclosure with my XXXX refinance and Fifth Third was unable to provide one. I'm asking the CFPB to find Fifth Third Bank responsible for employee loan officers who made incorrect statements, constantly changing the communication method making it difficult for borrowers, unfair practices with using AVMs  and not allowing borrowers to do the same, and not escalating my concerns within the company. I would like my PMI waived effective XX/XX/XXXX and Fifth Third to pay me for the months I've had to pay PMI.
Consumer complaint received 2021-10-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Butler, Butler & Rowse-Oberle, P.L.L.C. (MI)

Hello, XXXX XXXX office is handling a garnishment against me from XXXX XXXX XXXX XXXX. The total garnishment according to the court documents was to be {$7100.00} ( {$4700.00} for my truck & {$1900.00} for my Visa credit card + misc. fees ). 

Midway through my garnishment, my vehicle was repossessed, and I paid XXXX XXXX XXXX {$2000.00} cash in XXXX towards the balance in order to get my vehicle back. There was a {$600.00} fee added which would make a total of {$7700.00} ( XXXX + XXXX ). To date your office has garnished {$8000.00} from my payroll, plus the {$2000.00} cash paid direct to XXXX is a total of {$10000.00} that I have paid as of today, which is approximately {$2300.00} more than the court document stated. 

Over the last 3 weeks, I have tried to resolve with XXXX XXXX & the Loan department XXXX. I called XXXX, they keep referring me to the attorney. The firm sent a letter last week of what they have deducted so far, and what was " still owed '' but never addressed the {$2000.00} cash that I paid direct to the credit union. 
Can you please assist in a final resolution? 

I have all supporting documentation if required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

XXXX XXXX has been closed by the government. My loan should be dismissed and I have requested the paperwork many time from Navient ( the lender who bought out XXXX XXXX ) and I never receive the paperwork from them. They have told me that the department that handles that won't take their calls. I read today that the last day to file the paperwork for this is on XX/XX/XXXX. I need help and I need it fast. 

They lied to me and told me that they had a career services department. I went to the dean during my second semester and asked to be enrolled in the program and he started looking on XXXX for jobs. He said that was the career services department. There are a lot of other things they lied to me about. They also forced me to get several private loans, and also switched loan companies from Navient to XXXX and didn't tell me.
Consumer complaint received 2022-10-09
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. (FL)

In 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 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 2021-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

good afternoon, I have a Home Depot account on my credit report that belongs to someone else and is affecting my credit due to the fact that the account has a balance, that person called the company and asked for my removal and it has been 3 months and nothing has happened.. if you could please help me out with this situation.
Consumer complaint received 2022-10-09
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. (SC)

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. 

XXXX : # XXXX, 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 XXXXXXXX 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 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.
Consumer complaint received 2021-10-28
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. (PA)

XXXX XXXX XXXX has violated my Consumer rights. Pursuant to 15 USC 1692c. ( c ) I notified XXXX XXXXXXXX in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through all mediums except by postal mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am Invoking my specified remedy as a consumer, and the original creditor I am demanding ALL of the following On the XXXXth of every month the account must have a XXXX Balance. Keep this revolving account open indefinitely. Increase my credit limit on this open-ended credit plan to {$50000.00} every month. Remove all monthly balances owed and report XXXX owed for every reporting month, since the beginning of this account to all credit reporting agencies. Pursuant to violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments Stop Illegal reporting of late payments to all consumer reporting agencies. Remove all late payments reported to all consumer reporting agencies. I would like all payments I MADE SINCE THE BEGINNING OF THE ACCOUNT ON XX/XX/2020, returned back to me via mailed check and any part of the amount of the credit balance remaining 15 USC 1666d ( C ). Failure to respond to my Cease and Desist and honor my demands within 30 days will result in me the consumer pursuing legal litigation.
Consumer complaint received 2021-10-28
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. (PA)

XXXX XXXX XXXX has violated my Consumer rights. Pursuant to 15 USC 1692c. ( c ) I notified XXXX  XXXX in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through all mediums except by postal mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am Invoking my specified remedy as a consumer, and the original creditor I am demanding ALL of the following On the XX/XX/XXXXth of every month the account must have a XXXX Balance. Keep this revolving account open indefinitely. Increase my credit limit on this open-ended credit plan to {$50000.00} every month. Remove all monthly balances owed and report Zero owed for every reporting month, since the beginning of this account to all credit reporting agencies. Pursuant to violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments Stop Illegal reporting of late payments to all consumer reporting agencies. Remove all late payments reported to all consumer reporting agencies. I would like all payments I MADE SINCE THE BEGINNING OF THE ACCOUNT ON XX/XX/2020, returned back to me via mailed check and any part of the amount of the credit balance remaining 15 USC 1666d ( C ). Failure to respond to my Cease and Desist and honor my demands within 30 days will result in me the consumer pursuing legal litigation.
Consumer complaint received 2021-06-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am distressed at the amount of time it is taking to get this resolved. I saw on my credit report that bankruptcies were showing on my credit report. So I wrote bankruptcy court to ask if they report this to the credit bureaus and they stated they do not. When I disputed this with the bureaus they stated that they verified the information. HOW IF BANKRUPTCIES DO NOT REPORT TO THE CREDIT BUREAUS. THIS IS A LIE AND A VIOLATION. I have attached all letters and certified letters sent to the courts and bureaus. I recently sent mail to XXXX XXXX as well telling them that they are in violation of my rights as well and sent letters to XXXX XXXX to fix this. Certified as well and was received by XXXX XXXX on XXXX XX/XX/2021.