davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I XXXX : XXXX XXXX XXXX agent to principal. Surety reserving all rights and securities and interest due to the principal claiming Equitable subrogation. Had Multiple times I have reached out for VERIFICATION OF DEBT not validation I have not received NOT ONE true bill, contract with debtor and creditor signatures, or copy of the records used to verify these debts the 3 times I have disputing them. I have the documents unfortunately files are too large but to complete a total of 90 days 60 days passed the lawful timeframe! Matter fact one of the debts are in litigation! And two are hospital bills in order to have a true bill which is itemized and that would breach multiple laws and codes, that means they have accessed my private information! WhICH I recall SHOULD NOT BE FURNISHED BY LAW! 15 usc 1681 pursuant 16 CFR 313.4 right to privacy bay area Receivables has broken HIPAA laws and gram leech BLILEY ACT! I require compensation for the egregious defamation of character, stress and pain 15 usc 1682. I have not received a true bill, or original contract or notice giving my explicit consent to furnish my private information on MY CREDIT REPORT! THIS IS THE 3RD TIME I HAVE DISPUTED AND TRANSUNION IS NOT ACTING IN GOOD FAITH PURSUANT TO UCC! I demand TransUnion perform compensation for effecting my credit score and report with those fraudulent furnishings by deletions, and monetary compensation.

UCC 1-308 ALL RIGHTS RESERVED Without prejudice
Consumer complaint received 2021-07-21
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: Experian Information Solutions Inc. (FL)

I have no knowledge of the following false accounts : 1.XXXX XXXX XXXXXXXX account XXXX 2. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2021-07-21
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: Experian Information Solutions Inc. (NJ)

XXXX is reporting incorrect information on my credit report. I went to school on a full-ride scholarship and someone obtained financial aid in my name. This issue is pending SUPREME court. XXXX is very well aware of this situation and you need to stop them from reporting fraudulent information on my credit profile. Under The Fair Credit Reporting Act ( FCRA ) there are procedures for correcting fraudulent information on your credit report and requires that your report be made available only for certain legitimate business needs. 

Under the FCRA, both the consumer reporting company and the information provider ( the business that sent the information to the consumer reporting company ), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider. 

PLEASE STOP REPORTING
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I recieved an email from Citi Bank that my Credit Limit was reduced from {$9000.00} to {$1000.00}. Leaving me {$20.00} of credit. I have never been late on any credit cards in my life and have good credit. They did this to me a few months back on XXXX XXXX XXXX  XXXX. A few weeks later XXXX from The Citi Executive Response team called me and apologized and reinstated my {$9000.00} credit. But now the same thing is happening. So I called and spoke to XXXX an Escalation 's Specialist thinking this problem could be resolved again. She was extremely rude and was of no help. My Father just passed away and my mother is on her dying bed literally. I think this is just awful to treat people like this and rip out credit needed. Credit Card ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me again. Thank you!
Consumer complaint received 2019-09-26
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: Experian Information Solutions Inc. (TX)

Experian reported that I have an overdue balance on a credit account ( collection ) with XXXX XXXX XXXX in XXXX for XXXX XXXX XXXX. 

I have no knowledge of any such company or account or services provided ( {$270.00} a month on an account opened XX/XX/XXXX ) I opened a dispute with Experian XX/XX/XXXX and they just updated my results claiming the credit report is accurate and will remain. 

I suspect insurance fraud
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is 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 reportsno consent is fraud. Please remove the accounts below from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Your Loan Started XX/XX/XXXX Your Loan Ends XX/XX/XXXX Remaining Payments 90 Prepaid Principal {$16000.00} Prior Yr Principal Paid {$11000.00} Prior Yr Interest Paid {$1200.00} Suspense Balance They refuse to put the prepaid amount towards our principal. They have it in a suspense account. I can not quit crying. Now they have on our statement they will not accept payment unless we pay them in full. They sent our loan over to investors that placed it online. We have never missed a payment and prepaid them XXXX. They are trying to take our home from us. Thousands and thousands of fake fees. I want charges pressed immediately for the XXXX, their license revoked, my lien released, and XXXX in suffering. I can not sleep, I can not eat, and have been put on XXXX XXXX medicine. They have taken all our money and now they are trying to take our home. I reported them to the Attorney Generals office, XXXX, and others. We have had enough and want them to be held responsible. Shut them down, please. They have committed identity fraud. We are in our XXXX and have paid them every month. We dont deserve this. If they dont put the prepaid towards our principal I am filing theft. I can not take much more.
Consumer complaint received 2021-07-21
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I am a consumer pursuant to 15 U.S.C. 1692a ( 3 ).

Chexsystems has furnish unauthorized information about me a consumer to third parties and other persons.

Chexsystems never received written instructions from me to do so pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, which states - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Chexsystems has violated 15 U.S. Code 1681q.Obtaining information under false pr
etenses by furnishing information without my consent, all employees officers, and senior members of Chexsystems are subject to the following - Any person who knowingly and willfully obtains informa
tion on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-03-27
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)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my updates, the XXXX XXXX XXXX account was still found in my report which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was on XX/XX/2020, but no response was ever received from them to date. This account, in my report, is late payment for the months during the pandemic. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is reporting wrong months late. Instead of reporting for XXXX they reported for XXXX. 

On a recorded line, I was told by a XXXX XXXX on XX/XX/XXXX that the payment I made for {$75.00} was sufficient and there was no further payment I needed to make when I offered to make a payment, I was told you are caught up for past due balances and they saw the {$75.00} payment. 

Also, on the statement is says {$74.00} minimum and {$93.00} past due. It also says {$190.00} was the minimum payment. 

I paid {$75.00} on XX/XX/XXXX. The account would have only been thirty days past due on XX/XX/XXXX. Now I am being told that I should have paid {$93.00}. 

If XXXX is to report on my credit it should only be {$18.00} 30 days past due. 

I was also told that if they pulled the call where I offered to make a payment with the rep and they heard her tell me no further payment ( for past due ) was due on this call and I would only have an upcoming payment due XX/XX/XXXX. they would make the correct as a XXXX error. 

I spoke with XXXX XXXX from XXXX offices and she yelled and screamed at me and refused to hear my concerns. This call was audio recorded.
Consumer complaint received 2017-07-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (PA)

I buy products on line mainly from XXXX, one and only form of payments, vendors accept is through western union. The way it works, i transfer money, western union gives me MTCN number and i provide that number to potential vendors to collect payment and ship out my order. This cause a tremendous frustration, western union put transaction on hold / under review for many many days, without even notifying me. They charge full transactio fee, i provided all kind of ID ( copy of my drivers license, passport ) everytime, still under review. Calling customer support, they put on ever lasting holds. All i want to let transaction go in timely manner provided i paid all the fees and provided all kind of documentation, they asked. This cause financial set back to me. Can you please help me regarding this matter. My email is " XXXXXXXXXXXX " contact number XXXX. Thanks. Looking forward to resolve this matter. I understand, western union has to follow certain guidelines, but i provided all requested information and each time over and over again, they asked the same information.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WA)

Dear CFPB, I am challenging the incorrect information with the creditor SEARS/CBNA where they have cleared violated the law by reporting a balance of {$3700.00} on a closed account. This is a violation of the FCRA. I request this account be deleted immediately.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

I have an Apple Card by Goldman Sachs ( Credit Card ) with a USURY APR of 21.99 %. I was in a chat session, first with a customer service representative and then with that persons ' manager, who both refused to even take my request to lower that APR into consideration, by referencing what they referred to as the SCRA, which according to them both, only allows for SELECTED members of the military, the sole and exclusive opportunity, to have their APR 's lowered. 

This is of course discriminatory and illegal and against the FAIR LENDING ACT, hence my submittal of this complaint to the CFPB. 

Please find attached, screen shots of the chat interaction I have referenced above, that further details my afore-here summation of my complaint. 

Please let me know what further you need from me.
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings (PA)

Hi, I was contacted by Premier Holdings saying they were collecting on a very old debt. I do not recall this debt as it does not show up on my credit report and is almost 10 years old.

The company threatened legal action, wage garnishment, and 180 days in jail as well as court and legal fees.

I have received nothing in writing from this company or any documents from local courts.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NC)

On XX/XX/22, I submitted a dispute for a incorrect deposit reversal made on my XXXX  bank account. The case number is XXXX. 

On XX/XX/22, I made a deposit to my account at XXXX XXXX of {$500.00}. The transaction ID is XXXX. This was later reversed on XX/XX/22. In my dispute, I submitted a deposit receipt corresponding to this deposit on XX/XX/22 XXXX. My dispute was denied and upon calling, I could not obtain the reason for denial, nor could I speak with the person who made the decision. 

In addition, I have attached an image of deposit receipts in the period of XXXX. The deposits total to {$2500.00}. In the attached statement however, there are 8 deposits of {$500.00}, and 4 reversals of {$500.00}, which totals to net deposits of {$2000.00}, a {$500.00} discrepancy. 


Given all of this, instead, upon calling on XX/XX/22, I spent nearly an hour going back and forth with the billing department, and they failed to really understand, and would fail to really address my point. In the end it did not matter as they can not make any decisions, only explain, and they can not view my deposit receipt image I submitted, so I could not prove to them that I did the deposit. 

I'm hoping by raising this complaint, that the right attention can be placed on this issue, and I can be credited back my missing {$500.00}.
Consumer complaint received 2019-08-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

My mortgage was sold to rushmore loan. I sold my home after 2 years. My refund escrow check has become an issue.  It's been over 3 months and I have not recieved it. According to rushmore they have sent it 3 different time but are unable to provide any type of verification or tracking  numbers. I called immediately after selling my house in XX/XX/2019 to inform them of my new address to receive my refund. Month later I called again to see where it's at and I was informed it was sent to my old address I would need to update my address. Which I did again .I spoke to new owner and asked if I had by chance got a letter that for some odd reason didnt get forwarded like every other piece of mail. I called again XX/XX/XXXX to ve told they mailed and I should have gotten it by now . They will cancel and reissue again . I called yesterday XX/XX/19 to be told it would be escalated after being told it was escalated on the XX/XX/XXXX. I called today XX/XX/19 and after requesting speaking to the manager . The same girl came back on the phone with a basic script please wait 10 business days . I asked not to speak with her as I wanted my concerns to be heard by a supervisor or manager and XXXX put my on a slight hold and hung up. I called back immediately and asked to speak to a XXXX   office branch. I have all conversations recorded. As I felt I've been getting the run around. I today am told it will take another week to be approved. To call back next week" monday by latest "I have requested a tracking number as of last monday XX/XX/XXXX on this next check they are sending . She acknowledged that as it was in the notes.
Consumer complaint received 2022-12-01
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 confidentially under 15 USC 1681 XXXX XXXX XXXX  services # 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 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 adverse of information. other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C1681s-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 2022-12-15
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: Experian Information Solutions Inc. (NV)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-25
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)

This is my third complaint about the Equifax not meeting Metro 2 Compliance or E- Oscar protocol when verifying collections on my credit report. 
The Credit Bureau stated that my accounts were properly investigated Complaint # XXXX. This was a false statement by the credit bureau, because the opening date is incorrect, the date of last activity is incorrect. And the credit bureau still shows ok, payments from XX/XX/XXXX through XX/XX/XXXX. How can this be when the accounts are closed. This is inaccurate reporting and its grounds for removal under 15 U.S.C 1681 Section 602 A, states I have a right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 states that the customer reporting agency can not furnished a account without my written instructions. 
XXXX Acc # XXXX XXXX  Acc # XXXX. I am factual disputing the accuracy of these two accounts. The Credit Bureau are falsely reporting these accounts as verified accurate.
Consumer complaint received 2023-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

When I consolidated with Mohela, I had over XXXX payments with fedloan on several of my loans. I was told if I consolidate that would allow my overall account to take the highest number of payment received. I have had several months after that which would put me over XXXX payments which is the requirement for the loan forgiveness program. Currently on my file, there are gaps in my payment history whereas on the XXXX it was pretty much up to date. I have worked for a federal agency since XXXX as federal employee but since XXXX as a XXXX for XXXX but it shows a different company for a period of time XXXX to XXXX. Then it shows XXXX to XXXX as a XXXX for XXXX XXXX and XXXX XXXX employee with various employment gaps. I have called several times and spoken to several persons at Mohela for assistance on being forgiven and/or up to date. I asked if I needed to send in another to make sure I am forgiven before XX/XX/XXXX although I should have only had two payments remain by XX/XX/XXXX if it was not counting the waiver. So my understanding is that they paid me over extra funds bc I paid during Covid and I asked them to keep it if I was missing any payments but they still paid me. I am just trying to ensure my account is accurate and up to date.