davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (NV)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
XXXX XXXX XXXX in the amount of {$2300.00} XXXX XXXX in the amount of {$680.00} To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. section 611 ( a ) It is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me as a consumer. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XX/XX/2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-15
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. (NV)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
XXXX XXXX XXXX in the amount of {$2300.00} XXXX XXXX in the amount of {$680.00} To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. section 611 ( a ) It is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me as a consumer. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2022-02-10
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. (PA)

Hello My Name Is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-15
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. (FL)

They refuse to delete collection accounts which do not belong to me from my report!! Ive been a victim of identity theft and reported it several times and yet they still leave errors on my credit report which is affecting my credit score. The collection accounts do not belong to me and they are refusing to handle my disputes accordingly.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (IL)

I signed up for a Barclays XXXX XXXX Barclays Bank Delaware ) XXXX XXXX XXXX ( XXXX ) XXXX credit card on XX/XX/XXXX. 

Barclays promised that once I spent {$3000.00} on my card ( within the first 90 days of holding the card ) and paid my annual fee, I would receive 50,000 XXXX frequent flier miles ( See accompanying document Miles and More promise & my spending for their promise ). According to a Barclays representative, I reached this spending target on XX/XX/XXXX. 

I would need to allow 4 6 weeks after reaching this spending target to receive the miles on my XXXX XXXX XXXX XXXX account. 

I contacted Barclays on XX/XX/XXXX to see when I would receive the miles. They promised me by 4-6 weeks of the date I reached the spending target, approximately 6 weeks earlier. This call to Barclays was documented in Barclays case # XXXX. 

I have contacted Barclays frequently, since that time and about once a week since the beginning of XX/XX/XXXX. Barclays case numbers document some of the calls : # XXXX and # XXXX. 

It has been roughly 4 months ( 16 weeks ) now, since I reached my spending target. They have never contacted me in direct response to this item to explain any delay. More importantly, I have not received the miles. Please assist.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OR)

Hi, I ordered a corgi puppy to buy from a vendor through an online website. The vendor reached out to me with details about the puppy in the email. 
He charged me 850 $ for the puppy and told that it would be transported from north Caroline to XXXX. 

Once I submitted 800 XXXX the vendor told me that he started the shipment process with XXXX XXXX XXXX service. 

Once this started they sent me a tracking page on their website. Within a span of 1 day they charged me a total of XXXX . 

They asked me to pay for below mentioned amount and said that it would be refunded back with completion of delivery. 

Payments asked on XXXX XX/XX/2022 - 1800 $ for puppy crate. - paid XXXX $ for puppy travel insurance. - paid Payment asked on XXXX XX/XX/2022 - 3000 $ for vaccination - paid Payment asked on XXXX XX/XX/2022 a 7000 $ for quarantine facilities for the puppy. - unpaid Also they sent me emails with payment details and only asked for payment via Zelle. Attached screenshots with this complaint. 

I realized that this is scam and immediately reached out to bank. 
As all transactions were made over Zelle  they said they cant guarantee full returns. 


Information of scam vendors- XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2022-10-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : BANK OF AMERICA XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma (TX)

I received a negative credit score, so I disputed the collection because I did not even know about this amount owed or to who. Impacting my credit was the first I heard of it. In attempt to call the company Sarma Collection as shown on my credit report it shows as scam.

The debt disputed was approved and removed, but today it came back up and impacted me at -64 points for a balance of {$130.00}. 
I tried calling the collectors and no response. 

I am in the process of buying a home and this is impacting my home purchasing process. 

Please help. This credit collector for medical violated my rights by not informing me of such bill or a way to stop this from affecting my credit. I am up to date with anything else I owe and had a XXXX credit score before this.
Consumer complaint received 2016-02-11
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: URS Holding, LLC (CA)

Follow-up on Complaint # XXXX When speaking with XXXX on Friday I stated I was at work and unable to work and that I would call when I had a chance. He put pressure on me saying that he would only be in the office for another two hours. I am in a different time zone and work off hours. 

He has repeatedly call my work phone number and is harassing my staff. I do not want to be contacted on my work number. It is completely unprofessional.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (WA)

I can't give you dates but multiple times I have tried calling Mohela you are put on eternal hold. The only time I reached someone I was told to apply for the PSLF which I did. 
You ask for a supervisor or tell them your story and all they can do is read a script they don't have any way of escalating your concerns to managers. THis is my fourth or five lenders and every time it is more money I owe. How is a XXXX XXXX XXXX able to XXXX  and enjoy life if this is stopping from getting an apartment at this time.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

My name is XXXX XXXX. I purchased a home in XX/XX/2021 with my daughter XXXX XXXX & her husband XXXX XXXX. I have tried to fix these issues with Caliber homes and they will not help us. I have attached our mortgage bill below. I put the {$140000.00} down on the home and my name is not on the billing statement nor on the 1098 but it is on the note. It took several calls to Caliber to actually speak with me because they did not recognize my phone number or me. They finally checked the note to see that I am the XXXX person on it. The 1098 came in and it is in XXXX 's ss #. XXXX and XXXX, even though married, file separate tax returns and I file my own as well. We want to be able to deduct the finance charges individually for the next 30 years and we can't. I need changes to be made for us.
Consumer complaint received 2017-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

My account is with Navient. On their website they say that you can use what they call " special instructions '' for extra payments so that your extra can go directly to your principle. I asked them to please do this on a specific XXXX of the XXXX loans. Their response to me was essentially " your extra payment goes first towards your unpaid interest. This seems fishy and bad practice!
Consumer complaint received 2022-10-11
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. (TN)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 
This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Consumer complaint received 2022-12-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Lueder Law Firm, LLC (GA)

Hello, To whom this may concern within the cpfb I have been a resident of my community for a little over five years now unfourtantly due to covid and a few other factors caused me to fall behind on my HOA dues I am working on arrangements with their attorneys in which i have advised the HOA has done nothing to Handel their responsibility when it comes to the common areas that fall under their fiduciary responsibility and has not had an annual meeting the last three years not to mention my home inspection has made some very important recommendations regarding a huge rotting tree that has the potential to demolish my home if in the event it ever falls the tree has obvious rot around the bottom and leaves that have never been raked up by the groundman for over 5 years not the pool has revised multiple health violations from the city of XXXX and they have been advised to resolve the matter of these health and safety violations and have done nothing, not to mention we all expeienced major pluming issues that needs to be addressed by XXXX XXXX due to the fact the water is orange as in XXXX Michigan XXXX in which is a health hazard. There has also been a concern that the HOA commit may be misappropriating funds which are why nothing is being done about these issues I don't know because I'm, not the bookkeeper all I know is that there are potential violations under the Fair Housing Market Than need addressing however homeowners are scare of the HOA retaliating by harassment, not to mention the homeowner with a mortgage of looking to refinance could have a hard time when the lender looks and see all of this underlying issues that create a potential risk making it hard for those consumers looking for FHA financing pr even a NON-QM loan for that matter. I am standing up for the XXXX community and would like more direct answers on where the money is going if they are not keeping up the grounds and common areas. I have also advised their lawyers as well about the matter and to get it removed as a consumer and homeowner we laa have the right to know if they are handling the funds correctly they never send our balance sheets with the true numbers on it which concerns me also. Please see the attached documents as well
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

On numerous occasions I have disputed the validity of the credit bureau reporting a bankruptcy on my credit file. I have asked the agency to verify the debt and show proof of verification. They have repeatedly sent letters saying debt is valid has been verified and now as duplicative and refusing to further investigate I have contacted my county clerk and they have no record of anyone calling and verifying the accuracy of the information reported which is actually inaccurate and incorrect.
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Experian removed my XXXX XXXX XXXX XXXX account from my Experian Credit Profile for no reason. This account belongs to me and is open, active, an in good standing.
Consumer complaint received 2019-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (FL)

This complaint is in reference to a XXXX XXXX procedure, first visit XX/XX/XXXX and was not completed properly by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX After several attempts to resolve the problem with XXXX XXXX XXXX, he notified me on XX/XX/XXXX that the dental office would not let him go back inside the office. 

I notified my insurance company, XXXX XXXX who gave me permission to another dentist to solve the problem. On XX/XX/XXXX I saw XXXX  XXXX XXXX who sent a letter to XXXX stating the XXXX   needed to be redone and both XXXX and XXXX  XXXX were clearly visible. I filed a grievance with XXXX 's Grievances and appeals Board, which was received on XX/XX/XXXX. XXXX XXXX XXXX XXXX did not respond to the grievance and I was recently informed by XXXX that if they do not get a response in 6 months XXXX does not pursue the grievance. I thought the grievance was settled because as XX/XX/XXXX XXXX does not send out explanation of benefits if the patient has a XXXX   balance. I thought the dental office accepted the amount of money XXXX paid, which was {$360.00}. {$430.00} was the amount I was to pay. 

I found this information out when I applied for a credit card in my name from XXXX on XX/XX/XXXX, which was denied. 

I have reported this to the State of FL Department of Insurances, XXXX XXXX XXXX file # XXXX, to the Department of Agriculture, XXXX XXXX case # XXXX and the Office of Financial Regulation, XXXX complaint # XXXX who recommended I contact your office for additional help. I have also sent letters, Certified/Return Receipt on XX/XX/XXXX to XXXX XXXX XXXX XXXX and Capital Accounts LLC indicating I do not owe the {$430.00} because the dental work was never completed properly. 

Thanking you in advance and looking forward to hearing from you. 

Attachments : Dental Time Line, Letter from XXXX  XXXX, XXXX 's Explanation of Benefits, Lletters from XXXX 's Grievances and appeals Department, XXXX Report and letter I sent to XXXX XXXX XXXX XXXX  and letter cc to Capital Accounts LLC I unable to send the supporting documents because it it more the 10 MB. Please let me know if I can send them to an email address or mail. 
Thank you
Consumer complaint received 2019-07-31
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: U.S. BANCORP (TX)

US Bank put two inquiries on my XXXX file on XX/XX/2019. I was never reached out to. No one called to clear my Extended Fraud Alert, I did not apply for any products with Us Bank on XX/XX/2019. I SEE TWO Inquiries on the same date from the on my same file. This is on my XXXX Credit Report, And I can see that. I did reach out to XXXX whom advised me to contact US Bank. I did contact US bank and advised them I did not apply for credit with their instituion on XX/XX/2019 and that I am a victim of ID Theft, According to the rep they only show 1 inquiry and they said they would remove it. THEY DID NOT. It is Two inquiries both from the same company on the same date. XXXX is requesting me speak to US Bank. So this complaint is because US Bank refuses to assist even though I advised the Application was fraudulent and not authorized they refuse to remove the inquries they illegally placed. Please correct this.
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (GA)

Optimum Outcomes, Inc is in complete violation of the FCRA, HIPPA, and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company and they have no validation that I owe any debt to there company.