davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a XXXX. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by XXXX, Transunion, XXXX that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

In month of XXXX of 2018 there was two charges totaling {$12000.00} on my visa signature credit card with WELLS FARGO bank also there was a few personal loans that was opened up under my name without my authorization. I immediately disputed these charges and also i filled an FTC report and a police report. Unfortunately i been having a tough time to resolve this issue with WELLS FARGO and they are telling me they finished their investigation and their result find out these are my transactions. I NEED YOUR HELP TO RESOLVE THIS ISSUE.
Consumer complaint received 2023-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (FL)

I have previously Filed a complaint against XXXX XXXX XXXX in XXXX with both the CFPB and the XXXX XXXX XXXX CFPB referred the complaint to the regulator and XXXX XXXX XXXX located in XXXX responded to my XXXX  complaint. I accused them of committing Fraud and they responded. The debt was a result due " errors '' with a 3rd party contactor who is no longer in business and they no longer had access to phone calls or documentation ( convenient ) they apologized and informed me they were recalling the debt and closing the account. 

Today, I received a collection letter from Cascade Capital Funding , LLC with two bills that XXXX said resulted out of " error ''. XXXX XXXX XXXX states the original invoice maybe XXXX, but the balance was forwarded to them for collection '' the Letter States the communication is also a validation of debt. First, that's not a validation of debt, if you can't say definitively if the original account had a XXXX balance or not than you are lying about something or holding back crucial information. ( did I mention, I have a letter, that I have included from XXXX stating the debt was a result due to error ). 

I believe the collection agency attempted to deceive by omitting crucial information in this really bad attempt to confuse me which is in violation of the FDCPA. XXXX XXXX XXXX has also violated the FDCPA by knowingly and continuing to harass me into paying a debt, they themselves have admitted in writing via the Better Business Bureau was a unfortunate mistake ( it was not a mistake, it was fraud ). 

So as I start writing this complaint, and I realize the information for the Original Creditor on the XXXX is XXXX XXXX XXXX of Florida with XXXX XXXX XXXX XXXX XXXX 's address. So, I start to dig and find out XXXX XXXX XXXX of Florida was sold in XXXX, but the bill states date of service for XX/XX/XXXX. so i received a bill from a company, that stopped existing 3 years prior. But I just communicated with XXXX XXXX XXXX via the XXXX 

Well, XXXX XXXX XXXX of Florida was subsidiary of XXXX XXXX XXXX in XXXX, which is a subsidiary of XXXX XXXX XXXX in Texas which is the corporate office who sold XXXX XXXX XXXX of Florida after it caught the attention of the powers that be the OIG. XXXX XXXX XXXX in XXXX is now called XXXX XXXX in XXXX just want to clarify that, they tend to take advantage of the confusion this may cause some people.
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

I XXXX XXXX XXXX had a Mortgage with Ocwen Loan Serving, LLC the last payment received from XXXX XXXX was on XX/XX/17 this payment didnt include a debt withdrawal of XXXX onXX/XX/2017 .. this payment was never made to Ocwen or has it been returned .. Ocwen failed to provide pay- off information to equity accelerator or stop these payments.. I myself had to stop payment with my financial institution too stop these unauthorized payments.. after loan should have been paid in full.. we were required to pay ahead a month before the first month of starting this program..so in XXXX XXXX we meet those requirements.. not XXXX or XXXX ..My wife XXXX XXXX was authorized to talk on my be-half on these time frame with both of these companies.. I already authorized her to do so ...
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I called AmEx today XX/XX/2019 and asked to cancel an account. The account has a zero balance. After validating my identity and the account in question, the rep asked a series of personal questions about future spending habits and travel plans. I asked the rep to just close the account. The rep responded that she has a script she needs to follow and can not close unless I answer these questions. When I refused she said she could not close the account. I asked to be transferred to another rep but the same thing happened. She also refused to close the account unless I answered these personal questions. I then asked them to immediately close the account and hung up. 

There is an annual fee on the account that will be charged in a couple weeks so I want it closed now before that happens.
Consumer complaint received 2023-06-30
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. (GA)

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. 


Account Name : XXXX XXXX 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. Or list of inquiries 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 2023-01-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-05
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. (NC)

I received a letter from XXXX XXXX XXXX XXXX. they say that Navient hired them XX/XX/2018 to collect on two defaulted loans. Navient says they did not send two loans into default. XXXX told me that they were hired through Navient to collect and this is done through the back side of Navient. XXXX XXXX also told me that XXXX XXXX  is now owned by XXXX XXXX XXXX XXXX and are hired by Navient. I asked them where can I look at my account and see payments as when I log into XXXX XXXX nothing is there no payment history or anything. Only that XXXX XXXX has the loans but XXXX XXXX say they have them. Who has the loans and are multiple people collecting on them? : XXXX at XXXX XXXX told me there is no payment history because my social security is being garnished and I am not willfully making the payment that no money is going toward the principal. It goes to late fees and interest She also threaten to garnish my part time job, my taxes and my social security if I dont set up payments. Isn't that a threat or extortion? She also said no money is going to the principal that they and Navient are keeping to funds toward their fees, late fees and interest. This has been going on for 3 years now and 8 collection agencies have had this loan and its more now than it was and I have no proof of payments being made. Can someone please tell me what is going on? I think I have 3 companies trying to collect from me and I keep getting threats and letters.
Consumer complaint received 2022-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

SEE ATTACHED. PURSUANT TO FEDERAL LAW THE BURDEN OF PROOF IS UPON THE CARD ISSUER. YOU CAN NOT ENFORCE LIABILITY OF THE ALLEGED DEBT WITHOUT LEGAL PROOF. PLEASE PROVIDE ALL EXHIBITS PROVING MY LIABILITY FOR THE ALLEGED DEBT IN REFERENCE TO ACCOUNT # ( XXXX ).
Consumer complaint received 2019-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

I opened a student account at Citibank four years ago. The bank clerk told me there was no cost. I opened my account this month and saw that I received two service fees. XXXX and XXXX. {$25.00} each time. I called and complained about customer service. So I know that Citibank changed my account to an account that requires a service fee without telling me. Then, under my complaint, they only refund half of the service fee. I am very dissatisfied. Citibank has all of my information. But they did not inform me that my account will change.
Consumer complaint received 2019-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Credit & Finance, Inc. (HI)

On XX/XX/2019 I received a response from The XXXX regarding my issue with Atlantic Credit and Finance and they acknowledged receiving my payment and that such debt was satisfied. They said debt was being handled by XXXX XXXX and they have been directed to start the satisfaction of judgment process and they attached a copy of a release letter from Atlantic statingthe account in question is settled and the consumer has no further obligation to the account. I called XXXX on XX/XX/2019 inquiring about this debt from Atlantic Credit and Finance. They did not receive anything and that the account was now sold to XXXX XXXX XXXX XXXX # XXXX. I called they stated they had nothing from Atlantic Credit or XXXX and stated I owed more money on the act. I explained to them the situation and that they couldn't help me but that I still owed money!!!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I sent letters to this XXXX XXXX XXXX requesting validation on the following accounts that were reporting negatively on my Credit Report XXXX XXXX XXXX Account Number : XXXX, XXXX - XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX asking for the XXXX verifiable proof ( an original consumer contract with my signature, Pay-off Discloser, Interest Rate Discloser, Balance History, Payment History, and Credit Insurance ) which was never provided.
Consumer complaint received 2023-06-30
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. (NM)

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. 

The letters are stated with items and issues. 

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 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc. (NC)

XXXX XXXX XXXX XXXX XXXX repossession My credit file has been hacked in the past and someone used my information. XXXX did remove this due to invalid information and it is still reporting. I have a agreed to pay half of this amount to get this removed but when I contacted the company the told me attorneys were involved and my total was now XXXX.
Consumer complaint received 2019-04-15
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. (MN)

I contacted Transunion regarding unauthorized inquiries on my report and they told me to contact the creditors that put the inquiry that is not in compliance with fair credit reporting act which hold Transunion responsible to investigate unathorized items on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

Hi, I got approval for Gold Delta miles card from American Express on XX/XX/2019. 
The terms for promotion is so simple. I can get XXXX Delta miles if I use $ XXXX in 3 months. 
So I met the requirement for spending in XX/XX/2019. 

Till XXXX, I couldn't see the promotion miles on Delta site. I contacted American Express and they said I can get the promotion in a couple of cycles later. 

On XXXX, I couldn't see the promotion miles on Delta site. So I contacted Amex again and they said they can not give me the promotion because I may not use the credit card. I think I met all requirement for the promotion so I have to get it. 

Would you help me to get it? 

My card number was XXXX XXXX XXXX and skymiles number is XXXX Thank you in advance.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

EQUIFAX has incorrect personal information in their file about me. I have tried to get it changed through their dispute process. I have found it impossible to verify or check if they have made the corrections. 
Equifax credit report shows that I lived in XXXX XXXX and that I worked for XXXX. I have never even been to Kansas and have never worked for XXXX. 
I filed a dispute with Equifax and filled in their form and sent identification required to validate who I was. I indicated the corrections I wanted made. I received a confirmation number back from Equifax. # XXXX. 
However, I have been unable through their online system to verify that any change has been made. I have called Equifax and each time I am asked numerous questions to verify my identity. They always get to the question asking what the monthly payment is for my credit cards. I don't make a fixed amount payment. I always pay the entire balance each month. 
Apparently that is sufficient for Equifax to not validate who I am. I was upgraded to a supervisor and spent ages on the phone with him. Same result. Even though I had a copy of the original report from Equifax in front of me and could provide tons of information, because I don't have a monthly payment amount to credit card companies it's impossible to to talk to them.. 
They have incorrect information and it seems impossible to get it corrected. 
The other two agencies have correct information. This incorrect information has created problems for me when a bank or other credit agency ask " security questions '', Frequently there are street addresses I have never heard of, when I respond No to having lived there, I am invalidated. All because Equifax has a incorrect address for me. In fact now they have two, the Kansas address and the address of a company that did property management for us. 
Correcting my own credit information should not be impossible.
Consumer complaint received 2023-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

First and foremost, I used XXXX ( which is a part of Citizens Bank ) for my student loans. Back in XXXX of 2023 I used Citizens Bank to refinance my loans. When they sent the money they didn't send me the right amount of money, they were about {$7000.00} short and I was not aware of this. I received an email about two weeks ago saying I had a missed payment on my account because I thought there was no balance. After speaking on the phone with the bank, they told me they found the error THEY made and they were going to fix it and it's been two weeks since that conversation and I haven't heard anything. I have called every other day asking if they have done everything and they've told me the same exact thing every single time that they're waiting on upper management to approve the new money with the new loan and that they would get back to me in 24-48 hours. I am running out of time and on Tuesday, XX/XX/XXXX, my payment will be 30 days late and I am going to have to pay {$600.00} for an inexcusable mistake that Citizens Bank made.