davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-08
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. (OH)

RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information.

Please remove the following inquiries from my report I have no knowledge of these companies. XXXX XXXX  TRANSUNION XXXX XXXX XXXX VIA XXXXTRANSUNION XXXX TRANSUNION CONSUMER 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 TRANSUNION CONSUMER XXXX TRANSUNION XXXX / XXXX XXXX XXXX TRANSUNION XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (MS)

XXXX XXXX {$1300.00} I DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation (IL)

My XXXX XXXX  debit card had fraudulent charges on my account on XXXX one was a purchase of XXXX and a withdrawal of XXXX. I have advised the payroll card company of this fraudulent activity I also advised the federal trade commission and completed and identity theft affidavit. I have also alerted the FDIC and the Illinois States attorney general. XXXX XXXX advised that I would receive a provisional credit within 10 days. I requested to speak with the disputes department I was advised that that department does not speak with customers. I requested communication and updates XXXX XXXX has not provided that.
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TX)

On Tuesday XX/XX/XXXX I learned of an amount I owed to US bank. I called US Bank and made a settlement with them on the condition that they fax me a settlement confirmation letter the same day. I was told by XXXX at US Bank that in order for that to happen I would need to go to XXXX XXXX and make the payment there, I was told by XXXX that after making that payment I would need to call her back with a confirmation number for the XXXX XXXX   transaction. I did everything as instructed and to my surprise XXXX said she could not send me the fax that day, I did not receive the letter I needed after doing my part. The next day Wednesday, XX/XX/XXXX, I called back and was told that the payment would have to post before the letter could be sent even though I had taken the extra steps of going to XXXX XXXX to make the payment. I did not receive the letter that day. On Thursday, XX/XX/XXXX, I called back and was told that payment still had not posted. I did not received the letter that day either. It is now XX/XX/XXXX and although I have been told that the payment has posted I still have not received the letter I so desperately need and was promised. US Banks policies are deceitful in this regard and I would not have taken the extra step of going to XXXX XXXX to make this payment if I had known they would not be faxing the letter I still need. The manager of this department of US Bank, XXXX XXXX, remains unresponsive after sending several voicemails and emails.
Consumer complaint received 2018-11-07
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: BB&T CORPORATION (GA)

I have been made aware XXXX XXXX at BB & T in XXXX, North Carolina created a profile for me without my consent. He used it to inquire about my finances/credit information for his personal. I have had a prior car loan with BB & T, but that was many years ago. Since that loan, I have had no contact with anyone, including XXXX XXXX, to ever create a consumer profile for me regarding ANY service from BB & T. I never requested any information regarding any type of loan and there was absolutely no reason for anyone at BB & T to access my information.
Consumer complaint received 2019-09-03
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (WI)

When I finished school in 2016 I was already behind 1 year in payments and I should have been in forbearance until I graduated. I called them in 2016 to tell them I just graduated. I had called every six months to stay in forbearance because I could not make a payment. I am current on my payments but still shows I am 13 different months late and the status is affecting my credit. I wish I would have never went to college because the loan repayment is affecting me to get a loan for anything and just makes the whole experience terrible.
Consumer complaint received 2017-11-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have attempted numerous times and have disputed information pertaining to my experian credit report. I have requested that the above credit reporting agency provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concentric Receivables Management, Ltd. (TX)

I have spoken with XXXX on XX/XX/2018 and informed this account was processed by medicaid/medicare for the amount of {$300.00}. XXXX have informed me she don't have information on the account. XXXX rudely informed me I need to handle my medical business better. I have medicaid/medicare and I am also a XXXX veteran XXXX XXXX. Please help get this information removed from acct.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

Creditor : XXXX Collection Agency : Convergent Outsourcing In XXXX I had an account with XXXX. I moved outside of their coverage area. Per my agreement, Early Termination Fees were supposed to have been waived. 

To my surprise, a XXXX bill was turned over to a collection agency ( Convergent Outsourcing ) who claimed the fees were not waived, they could not waive the fees that should have been previously dismissed by XXXX. This left me with an unpaid balance of {$850.00} as of XX/XX/XXXX. 

This already illegal debt should be 5 years old at this point. To make matters worse, the same creditor re-aged this debt as a XXXX debt, making this look more recent. This has dramatically lowered my credit score and is causing financial hardship. 

I attempted to dispute this several times in early XXXX, through XXXX. All disputes were denied, and again making this look like recent negative activity. Please help. Thank you.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

I filed a claim with Direct Express, card I receive my Social Security benefits on. I filed a claim on XX/XX/2019, for unauthorized purchases made on my card by my x boyfriend, and then I filed another claim on XX/XX/2019 for more unauthorized transactions, that my x roommate made without my permission, all totaling to the amount of XXXX I reported to the investigator that my x boyfriend stold my card, and my money, I gave them his name, and completed all the paperwork required. Direct Express combined both claims into XXXX claim number XXXX. Direct Express did there investigation, and DENIED MY CLAIM. How can they DENY my claim? I did not authorize these transactions. The investigator also denied my request for a formal hearing regarding this case. I talk to Direct Express and they could not tell me who investigated my claim there was no name on the paperwork. They just kept saying was that I was denied because there was BALANCE CHECKS on my card during the time it was stolen. I checked my statement and I can not find any BALANCE INQUIRIES, and why would this matter anyway? They said my claim was settled back in XX/XX/2019, but I received no notification that my claim was not going to be paid to me.
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NV)

This is in regards to my XXXX XXXX 's credit card. This was my first time ever dealing with them. I went into the store in XXXX to use a gift card from my husband. After getting my items, the sales clerk offered me a store credit card, which she advised me that theirs does NOT do a credit check. At check out, my transactions were handled by another clerk who processed my purchases and the application. I had to insert another major credit card which I believed was for verification of credit worthiness. I was approved and provided the information for my credit line. 
I have since noticed that there were credit inquiries made to multiple credit reporting agencies. 
I contacted XXXX XXXX 's card company, XXXX on XX/XX/18 to discuss my concerns. I was advised that the inquiry into my credit can not be removed even due to their sales person 's incorrect information. He only said he wishes the store sales people were trained better. This does not help my situation. I did have him pay off the balance and close the card as this is not a company I want to do business with that provides incorrect information just to get a sale. This is unethical sales practices. Consumers should be provided full and actual information at the time of account opening.
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

On Friday, XX/XX/2018 at XXXX, I received a call from my mortgage company Freedom Mortgage . The rep explained that there was an alleged shortage in my escrow and that they were planning on increasing my monthly payment by nearly {$100.00} each month. They had done this very same thing last year though nothing whatsoever had increased, including my taxes. This year, I changed my homeowner 's insurance company which increased my total insurance charge by {$200.00} for the entire year. Having researched this on Saturday, XX/XX/2018, I called Freedom Mortgage back and explained that there was no justification to increase my mortgage by {$1200.00} annually for a simple {$200.00} homeowner 's insurance increase. I further explained that I would be comfortable with them raising it by {$17.00}, which is {$200.00} divided by 12 months ( the {$88.00} visible on the attachment was a one time charge for a different insurance company that I quickly dropped and that {$88.00} should not play any part in the annual increase calculation ). Their response was that they want to implement a buffer, which I declined when I originally opened the mortgage. When I asked the rep if my original choice to opt out of a buffer should stay in place for the life of the loan, he gave a non-answer and said " technically yes but no. '' He went on to say that Freedom Mortgage had miscalculated the escrow and they had paid out more in previous years as a result. Since my mortgage is 5 years old, I explained that they should have caught their error years earlier and that it is not fair to penalize me for their bad math. It was their mistake, not mine and I should not be obligated to correct their error which lasted several years until they finally caught it.
Consumer complaint received 2019-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (FL)

I received a letter which posted a charge of {$1400.00} levied by the collection agency National Enterprise System ( NES ). The date on the letter reads XX/XX/2019. When I called NES, the different representatives that I was transferred to refused to give me an explanation of the debt. They did not want to tell me what services or merchandises that I purchased that cost this dollar amount. They asked me to give them the account number written on the letter which I did. But instead of telling me why I owe this debt, they keenly insisted on me giving them my personal information, although I repeatedly verified the account number and my address.
Consumer complaint received 2019-09-03
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. (NJ)

I have never visited hospital in that period. that's why I am asking about re-investigation these account and remove that from credit report. I do not account number but I uploaded page from credit report where you can see accounts.
Consumer complaint received 2022-06-17
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : XXXX XXXX XXXX XXXX : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 






Kind regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Consumer complaint received 2019-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

XX/XX/2010 my grandmother, XXXX XXXX passed away. I was told that all grandchildren are on her inheritance trust. After she passed away the trustee told me I was not on the trust. I requested the trust document several times. No one has produced the trust document or any information concerning the trust. I contacted the trustees bank and was given the run around as well as contradicting information. The trustee, XXXX XXXX XXXX would of had to forge my signature to reopen or distribute the money goods. I never was notified or signed any papers concerning the trust. I found out that XXXX passed by noticing antique furniture in a siblings townhouse. I was left out of a trust approxite value of XX/XX/2010, XXXX XXXX plus investments. Could you investigate the trustees bank and trust account? 5th and 3rd Bank is the trustees personal bank and possible active trust account. The beneficiaries and trustee refuse to answer any of my questions or request. Please help with this issue. I looking for an attorney, but have to reach out to attorneys in Illinois and it's hard to do this with confidence. My contact number is XXXX.
Consumer complaint received 2017-11-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (IN)

I contend that 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 addressee unknown, knowingly and deliberately circumvent fair credit reporting laws to illegally collect on expired debt more than seven years old and continue to report these closed accounts as late payment to degrade my credit. It is my contention that these companies are buying and selling old debt that has expired. These companies attempt to collect on it by erroneously reporting to all three credit reporting agencies the debts are still active and viable by changing the dates of when the accounts were closed or not including the companies owed originally and by selling the old, expired debt. The new buyer of said debt uses deception by not reporting when debts last had proof or payment to the original account holder. XXXX XXXX XXXX does not list any of the original account holder 's information. It is unverifiable. The credit bureaus do not test nor verify the information provided to them, only report it. The result is multiple tradeline entries on my credit report for the same old, expired debt ( Midland Funding, XXXX XXXX XXXX XXXX and possibly XXXX XXXX XXXX XXXX Midland Funding sued me in court ( Crown Point, Indiana XXXX in XXXX over old debt, then removed it from my credit file. Midland Funding lied about what accounts they held. I have my old credit reports as proof.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my profound dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous communications and promises of resolution, the unauthorized charges persist, causing me significant distress and inconvenience. 

I have always trusted your organization to handle my financial matters with utmost care and integrity. However, the repeated occurrence of fraudulent transactions on my account has shattered this trust and left me feeling vulnerable and unsupported. 

I have diligently followed your company 's procedures for reporting and resolving fraudulent activities on my account. Regrettably, each attempt to rectify the situation has been met with temporary fixes or promises that the issue would be thoroughly investigated and resolved, only for the fraudulent charges to reappear on subsequent statements. 

Not only have these unauthorized transactions caused financial strain, but they have also consumed an excessive amount of my time and energy in repeated attempts to address the issue. Moreover, the uncertainty and anxiety surrounding the security of my account have had a profound impact on my overall confidence in your company 's ability to safeguard my interests. 

I demand immediate and decisive action to rectify this situation. I expect a thorough investigation into the root cause of these unauthorized transactions and concrete steps taken to prevent their recurrence in the future. Furthermore, I insist on a full refund of all fraudulent charges incurred, along with appropriate compensation for the inconvenience, stress, and time wasted as a result of this ordeal. 

Please provide me with a detailed plan of action, including timelines for resolution and ongoing updates on the progress made. Restoring my faith in your company 's commitment to customer satisfaction and security is paramount, and I eagerly anticipate your swift response and resolution to this matter. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 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}.