davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
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: EQUIFAX, INC. (CA)

Last XXXX XXXX, 2017, I sent this credit repository a letter requesting an investigation on incorrectly reported items on my credit report. Attached to this complaint is a copy of the letter sent to this credit repository dated XXXX XXXX, 2017. I have written several letters to each of the company showing on my credit report requesting for validation and I never received any proper validation document. How can this credit repository report or inform me that these items I disputed were verified when I never received any validation document? It is quite unfair and unlawful for them to be able to verify these items when I do n't receive validation documents on my end. I think this is definitely a violation of FCRA and FDCPA.
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

portfolio recovery associates. I have told them to stop calling on a debt that should have been taken care of by the credit card. this debt is over 10yrs old if the credit card insurance didn't pay the card off that is the credit cards problem that is the reason i paid monthly charges for the insurance. I have repeatedly told them this and have told them to stop calling me. they continue to call me from different numbers then hang up on me
Consumer complaint received 2018-11-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc (OK)

I believe the XXXX XXXX XXXXXXXX or Financial Credit Network is attempting to committee fraud and collect an amount that is not do. I normally don't ask for itemized statements, but as of this time I am asking that the XXXX XXXX XXXXXXXX through them or FCN provide me a bill for each of these months listed below. 
bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX bill for XX/XX/XXXX to XX/XX/XXXX these bills need to include all meter reading and payments applied, As of what you sent me you show that as of XX/XX/XXXX that I owed a bill of {$300.00} billed at a rate of {$78.00} a month, This would show that I had made no payments since the start of service, and then 3 more bills sent out after that or service stayed on for another 3 months with out payment, just to clear up what im saying is NO UTILLITY COMPANY WILL COUNTINUE TO GIVE SERVICE WITH OUT PAYMENT OF MORE THEN 2 MONTHS, but your company is claiming that I received 6 months of service with out payment, I believe if I owed them {$300.00} by XX/XX/XXXX that the would have cut off services and not continue to bill an additional months, so at this time I do believe that fraud is being committed and that if this information cant be provided as requested in the next 15 days for I have already contacted financial credit network several times, that im left no choice but to file civil action and contact the State Attorney Office to investigate for criminal charges, and the Utility commission as well.
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DFC Global Corp. (FL)

I have a debt that I owed to a company called the Check Cashing Store. They have sold my personal information to various debt collection companies and now I am getting calls from somewhere named XXXX. The phone number they call me from is ( XXXX ) XXXX. They call me constantly I had to block them and they leave me abusive voicemails stating they will get my job involved. They threaten me and have harassing tones. This needs to stop!
Consumer complaint received 2022-06-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (TX)

Its over month now and I am calling customer services number ( XXXX ) day and night from XXXX till XXXX  everyday continuously and no one is picking the phone. My funds are hostaged by the bank and I am am able to add external bank account of mine to transfer money or pay bills online. I had tried every discover number and they keep telling me to call only ( XXXX ) to resolve this issue, however no one is answering on this umber and music keep going on for 2-3 hours and then call gets disconnected. 

please please assist me from this fraud bank.
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 requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2018-11-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA XX/XX/2018 As trusting B of A for the last 34 yrs, As being a member I have become at this day of XX/XX/2018 a VICTIM of my personal finances, name, home because of requesting mortgage Assistance as of receiving a letter at my home on XX/XX/2018. As of today I fear the worst, with how I continue to receive at this time frame of 45 days to prepare for my mortgage payment to change with Increases of difference of a over 100 % increase? Letter attached is prof of the facts Iv'e stated above. I take responsibility for my mortgage payments as paying on time and paying the monthly payment of {$1800.00}, But the letter indicates in my terms of my loan had XXXX yr period during witch my interest rate stayed the same, That period ends XX/XX/2018 .So on this date XX/XX/2018 your INTEREST AN PAYMENT MAY CHANGE. with at this time there estimate of increased new payment was {$3400.00}, As I stated I applied with B OF AMERICA for Mortgage Assistance as after contacting B of A and trusting them with there telling from the mortgage and loan dept .As a few weeks had passed I called to see about the progress of this 6 page application I was told to find online ' fill out the required question that pertain to my needs of assistance of need some help with this increase of Mortgage payment.? ANSWER ( no record ) of application process in there system .I was devastated with knowing i had little time to resend this application again, certified mail this time .On XX/XX/2018 I get a letter from B OF AMERICA that saying The servicing of my home loan will transfer to XXXX XXXX XXXX XXXX? Why GREED AS B of A SEES a easy way to sell my loan off TO MAKE MONEY .and DID .Now with the NEW payment even higher at {$3700.00} .This is the part that has made me sick, the letter basically has left me dealing with XXXX  TO GET ASSISTANCE, As I have contacted XXXX  ON XX/XX/2018 they REPLIED I'm not in there system try back in 5 to 7 business days? I have to only believe B of AMERICA has failed in my privacy of personal info mation within them selling my loan as a high risk as chance of forecloser to the world of scams, fraud companies harassment, calls and emails asking if i need to borrow money, my home is going into fore closer, This is really a blow to the head, since I NOT EMPLOYED AS B of America was told by myself sending them my application for some type of assistance. This has caused myself to become fearfull of losing my home for asking like I stated trusting B OF AMERICA, Thanks for reading can you PLEASE HELP ME SAVE MY HOME OF 17 YRS????????
Consumer complaint received 2017-11-09
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: EQUIFAX, INC. (IN)

This is the fourth complaint against my bank on a XXXX XXXX mortgage which payments started being made XXXX XXXX. This is my fourth complaint against XXXX in failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my VA mortgage loan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my XXXX XXXX loan submitted to the appropriate credit bureaus. Each time, I call XXXX they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX is not reporting nor showing all of my payments that have been made on my XXXX XXXX XXXXoan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.
Consumer complaint received 2023-03-22
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. (KY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-11
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. (IL)

NOTE : This is my second complaint to CFPB about the same issue. And my 5th dispute with TransUnion TransUnion have yet to provide me with ANY copies of original documents ( a original signed contract with my signature ) as required by FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA TransUnion are required to PROMPTLY DELETE this Negative XXXX XXXX account # XXXX. 

Note : XXXX have Deleted this UNVERIFIED ITEM
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. (NY)

I dispute the account linked to XXXX XXXX on my credit report. I have no knowledge of any consumer contract with his company and the account is unrecognized. I would like this fraudulent account and any inaccurate information to be deleted from my credit report as per Section 611 ( 5 ) ( A ) of the FCRA.
Consumer complaint received 2019-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (ID)

I took out student loans in year XX/XX/XXXX to enroll in XXXX XXXX of XXXX XXXX Washington. I was XXXX years old and was  promised an education that would ensure financial security in order to repay the loans. I was promised opportunities to meet with people in the field for which I was studying to get in to and job fairs to meet with potential employers. No employers showed up to any job fairs even though we students did. It wasn't until I went to continue my education elsewhere that I learned they weren't acredited and I would have to start over even though I was several 10 's of thousands in debt. I've never had employment in my field of study. XXXX XXXX has since been shut down for preditory behavior regarding student loans and falsifying information to coerse naive students into obtaining loans for their for-profit schools. I have reached out to my student loan servicer for information regarding recent litigation on my loan. I've made attempts at repayment to one servicer only to be contacted by another claiming they held my loan. I don't even know who holds my loan currently or if I qualify for any of the loan forgiveness ordered by recent litigation. I've contacted FedLoan who has sent me the most recent statement asking for information, only to be told to contact the department if education ( which their paperwork claims to be apart of ) and was given a disconnected number. I do not feel that I should be held responsible for repayment of a loan to a school that was found to be a fraud as they already took 2 years of my life in hard work to pass their meaningless classes to get degrees nobody will recognize. Im attaching a photo of a statement from FedLoan that states the loan was dispersed XX/XX/XXXX which is 18 years after the initial loan. Im also attaching documentation of my attendence to XXXX XXXX.
Consumer complaint received 2018-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP ()

This phone number ( XXXX ) has called asking for a person who does not work here, has never worked here, and is not related to our company at all. 
They have called and been informed of this over 20 times. Each time we have asked them to remove our phone number from their list. 
The latest call they have made to us was on XX/XX/18 at XXXX XXXX. 
They have gotten that they call, ask for the name, then hang up after us asking them to remove our number off their list.
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon securing a copy of my updated Credit Report from XXXX and investigated it, I noticed that there are still Erronenous accounts being reported by the Credit Bureaus. I thought these Accounts were already been taken care of due to the multiple written letters I have been sending to the Credit Bureaus, and the last letter I sent to the Credit Bureaus was XX/XX/2022, requesting the correction of the erroneous information being reported by the Accounts. Since I believed the Credit Bureuas didnt properly investigate my dispute I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. The Credit Bureaus ' records show that it was incorrect. The Credit Bureaus should have never failed to verify these accounts in accordance to the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am urging the Credit Bureuas to correct the following accounts : XXXX XXXX Balance Owed : {$58.00} XXXX XXXX XXXX XXXX Balance Owed : {$9600.00}
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (FL)

In XX/XX/2018 after verifying my credit report, I noticed that XXXX XXXX sold a debt of {$120.00} that I owed debt as a new debt to Waypoint Resource Group. Mind you, the debt was already two years old. So in XXXX, I contacted the debt collector and asked a routing question, if they settle on small balances as well. The young lady said they would accept {$87.00} as a full payment and solved the account if I paid the same day. 

I requested a letter and receipt stating so, I never received it. So today I checked my account only to find that they report the account as " Settled - less than full balance '' which is not the terms agreed upon.
Consumer complaint received 2018-11-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NY)

Re : CFPB % XXXX I did send that information almost 3 weeks ago. I still dont get my money Because of that I have to come back to USA Because of that I lost my business Almost 2000 dollars expenses because of delayed Sent from my XXXX
Consumer complaint received 2018-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (MN)

Im currently the conservator/guardian for a protected person the guardian/conservator on the accounts with the accounts with protected person died. SunTrust Bank closed all banks in XXXX XXXX and I was informed that I needed to send all documentation to the Legal Dept. in XXXX XXXX which I did overnight. Legal received all documentation a week ago and Ive yet to hear from them. The documentation that they received was the court order to release all funds and account information to me as the conservator, death certificate of the previous guardian/conservator only with social security numbers of both the protected person and previous guardian/conservator on the two accounts. The protected person is now in Minnesota and is need of the funds in her accounts and these funds are being withheld. Ive now been inform by a supervisor of SunTrust that I will have to go to a branch office to present the documentation in order for the accounts to be release to me. This shouldnt be this difficult, if I was told this before leaving West XXXX I could have gone to a branch office in XXXX. But now Im in XXXX with the protected person and have no means to access her monies.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (AZ)

I purchased a XXXX and XXXX from XXXX XXXX XXXX XXXX on XXXX XXXX and was told they would honor a pricematch and charge it to my BB credit card. The XXXX XXXX XXXX Bundle was being sold on XXXX for XXXX and when I received my bill I realized they charged me XXXX. This larger amount has caused a financial burden for my family as we had not planned to spean the extra {$150.00}. When I contacted the store they advised I wouldn't be able to return the system because I had already claimed the game that came with the system not knowing they ripped me off. It was a very shady process as I didn't even get to see the price and did not notice it until I received my first bill and was itemizing my monthly expenses. I would like the company to allow me to return the system for a full refund or honor the pricematch. I have consulted with an attorney at this time who advised filing a CFPB before retaining his services.
Consumer complaint received 2022-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

I saw two inaccurate collections about medical bills that I dont recognize on my XXXX XXXXredit monitoring service. Ive been trying to dispute and they dont want to delete even though these two dont belong to me. 

It says it was open on XXXX of XXXX and also says it was almost 7 years ago. 

Those two collections are : Lockhart, Morris & Mont Amount : XXXX And the other one from the same company in the amount of : XXXX. 

I was a victim of Identity Theft around this time. This company is NOT showing a validation of the debt and XXXX doesnt want to delete and doesnt let me to dispute it. 

I found this abusive and its affecting my credit for more than 100 points. 

Please help! 

XXXX XXXX
Consumer complaint received 2022-06-18
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. (IL)

I disputed a bankruptcy with Experian asking them to verify who reported it to them and gave them the letter from the courthouse that clearly states that they do not report that to ANY credit bureau. They responded to the supposed investigation that they verified it to be accurately reported by that courthouse, but how can that be accurate if the courthouse doesn't report that information. Experian has either made a big mistake or is lying about that information being reported by the court. Either way it is incorrect and illegal to report according to the FCRA codes 15 USC 1681 602A which states that I have the right to privacy, 15 USC 1681 604A Sec2 which states A consumer reporting agency shall not furnish an account without my written consent and instructions. 15USC 1681s-2a1 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 2023-03-22
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.