davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just recently looked at my credit report and noticed some hard inquiries that have no permissible purpose to be on my report. I also have attached the evidence. Delete these inquiries due to violation 15 USC 1681b 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
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc. (SC)

I received a debt collection letter from Receivable Solutions for an amount and date of service that I know nothing of. I request debt validation several months ago. I have contacted by phone to explain the situation. They agreed to contact the bureaus to have it removed but it still is reporting. Not only is this a violation of the FDCPA it's also a violation of HIPAA. This company can not and has not produced any proof that I'm legally responsible for this specific debt. I question the signature on the HIPAA treatment consent form as a fraudulent signature but this company continues to report and collect on this debt that is not mine. I even submitted my police report to this company to verify my information was compromised. They still continue to violate the law and is causing me damages and ruining my good credit and name. this company should be investigated for their negligence in the handing of this dispute
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CAPITAL ONE XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Adjustment Service, Inc. (CA)

Diversified Adjustment is trying to collect on a PAID debt. Please see CFPB Complaint XXXX against XXXX and XXXX XXXX XXXX for the {$430.00} debt. On XX/XX/18 the XXXX responds and states, On XX/XX/2018, XXXX XXXX claim that the debt was paid prior to assignment for collection was confirmed with the original creditor This collection was already disputed, won, and removed from my reports. I contacted Diversified and let them know that they have bought an erroneous collection and that this matter was already disputed and won. They never responded to that, or my request to verify the debt. They have now knowingly violated my consumer rights. This needs to be deleted immediately.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Millco Management (NC)

I have tried contacting this company numerous times. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I left messages twice and the other times mailbox is full. I have also tried to correspond through the mail. I received the letter stating I owed a debt and I had until XX/XX/XXXX to dispute. I noticed this was added to my credit before XX/XX/XXXX and in attempts to resolve to debt no one would respond to me. I have insurance and I haven't been able to submit this due to not being able to reach anyone.
Consumer complaint received 2018-05-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Wharthog Ventures LLC dba Loans Not Sharks (MO)

I did a payday loan, online, XXXX mistake, unforeseen circumstances happened at home and I was unable to pay. I do owe this debt, I'm responsible for this debt. I'm in the process of doing a debt consolidation that I can afford. In the meantime they have contacted my employer. I can not have calls at my work. I told them that about a month ago ( Early XXXX ). I received another call yesterday, XX/XX/2018. I asked politely, please do not call my work. I received a rather not nice text back, stating they can and will do that and in the future they will not ask for me, they will go directly to my boss. They were extremely rude. I just don't want contacted at work, I work long hours and can't always get calls made after work.
Consumer complaint received 2017-12-26
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: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

Over the last few months, I noticed the amount due on the company website is different from the XXXX generated statement, this would be like what a person would receive in the mail. I started taking screenshots just in case there was an issue. In XXXX, I neglected to take a screen shot, which was unfortunate for me, because then interest was charged, even though I paid the full amount as shown on the website. In XXXX, I did take a screen shot and it shows {$4600.00} is due and was paid in full. My XXXX statement showed {$4700.00} and now I am being billed interest. Even at these large amounts, I can afford to pay my credit card in full each month. So, obviously, if I can afford to pay {$4600.00} I can afford to pay {$4700.00}. There is something seriously wrong. I have been a Citibank customer since 2015. I can tell you over the last six months, something is different there. They revamped the payment screen and ever since then, the problems have begum. It is so subtle. That is what concerns me. How many people do not pay close attention, and are getting charged a little bit of interest here and there?
Consumer complaint received 2018-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc. (NC)

Over the last month or so, the collection agency named Optimum Outcomes has started reporting medical debts on my credit report. Prior to these new medical collections appearing on my report, I am not receiving any notice whatsoever. To my understanding, the Fair Debt Collection Practices Act requires a collection agency to provide a 30-day notice to dispute, before they report accounts on my credit report. Apparently, Optimum Outcomes is waiving this requirement, and reporting these medical bills on my report without notifying me first ; and giving me an opportunity to act.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

CMG Mortgage , Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX has failed on its commitments to make timely payments to the county on my behalf, resulting in penalties for my family, and has inexplicably raised the monthly payments beyond what we have agreed on. In XX/XX/XXXX, we closed a 30-year fixed interest rate loan on our home. We now face financial hardship because our mortgage lender is failing to meet its commitments and is failing to discuss and resolve the issue which has become untenable for us. CMG agreed to pay my supplemental property tax bill from the reserves in my impound account. In a written letter dated XX/XX/XXXX CMG stated the bill would be paid in 15 days from the date of the letter. My bill had an amount due on XX/XX/XXXX and XX/XX/XXXX. After contacting CMG Mortgage various times to confirm payment would be submitted I learned from my county on XX/XX/XXXX that CMG never submitted a payment. Our first payment was late and included a penalty fee. I, therefore, submitted full payment with a penalty fee on XX/XX/XXXX. After the County taxes had been paid by me, CMG sent the supplemental tax payment making my escrow account short. The county has returned the extra payment back to CMG, however they are refusing to reassess my escrow account, insisting the account is short, when it is not, and charging me several XXXX XXXX on top of my fixed monthly payment. I have asked CMG to reassess my impound account because the one time supplemental tax bill has been paid and the impound account has been made whole. CMG is refusing to reassess my account and has increased my monthly payments.
Consumer complaint received 2018-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I understand from news reports consumer protection is low on the priority list for this department however this is important for all working Americans. We just recently had our B of A checking account stolen and used in an attempted fraud case. We learned that individuals can get Visa checks printed through places like XXXX on the cheap just using bank routing and account numbers. This is what happened here. Somehow a person or persons stole or lifted our account numbers had cheap checks printed and tried to use them to get money from the B of A. If it were not for the fact there is limit that triggers the bank to ask question this person would have succeeded. The bank manager explained this type of theft/fraud happens all the time, such that first time perpetuators are not reported to the police. All consumers using bank checks need to be protected from this type of theft. The bank should be the ONLY place checks can be obtained. Having outside businesses be able to print checks independent of the bank issuing the checks is just asking for theft and fraud.
Consumer complaint received 2018-08-17
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

The loan officer talked to fast and didn't explain details of the loan very well. I went to go sign the closing documents and it wasnt until then I found out I was getting two mortgages placed on my home ; both are adjustable mortgages ; a first and a second with a higher interest rate. None of this was explained to me, I had no idea this was what I applied forI asked the notary why I had to sign another deed of trustThe notary had to explain I was signing two deeds of trust because one is a first mortgage and the other deed of trust was for a second mortgage, she asked me if I wanted to cancel the signing and or call my loan officer and I told her no that I needed the money.
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

This report will name Venmo as fault for lack of consumer protection. My other report is # Complaint Number XXXX. On XX/XX/2022, I was deceived by an imposter for XXXX XXXX, a hiring manager for XXXX XXXX XXXX, conducted an interview and hired me with a signed contract for a position in procurement. He told me to make payments for his vendors to deliver electronics for the new position working remotely. Someone posing as an employer spent the last 7 days online with me, conducted a 2 hour job interview, made a job offer, and hired me. He then requested I submit money to a vendor to buy a work computer and printer for my usage working from home. He hired me to work for XXXX XXXX as a procurement specialist, along with a written job offer and job description given. Through XXXX mobile banking, I submitted a check he emailed, under the guise of buying these electronics. He instructed I pay out XXXX payment on Venmo. He contacts me through XXXX XXXX, and is waiting for me to cash the next deposited check. The scammer is posing as XXXX XXXX, a hiring manager and investor communicating with me for the last 5 days. Job offer arrived by email from XXXX XXXX of XXXX XXXX. I have saved the email communication, Wire app communication, and screen shots of the bank transactions on my computer. I only chatted and emailed with " XXXX '' but no voice or zoom meetings, and never spoke to anyone. On XX/XX/XXXX, he asked me to make a Venmo payment, but I never saw it go through. I did not receive an email that it went through. The screen just went to the main screen instead of alerting " your payment has been made ''. Inside the account, it never said it was paid in the list of recent transactions. Nor was I alerted to this problem. All of this was cause for concern, so I did a stop-payment for Venmo payment at my bank. However, Venmo paid it anyway for {$1000.00} without my consent. Venmo is still seeking this payment though I stopped it. The sensitive information the scammer obtained was my Social Security number, home address, last 4 digits of my banking account, and my signature. 
I think I should not have to pay because of the faulty transactions from Venmo.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The website was unclear that a product cost money. I thought it was free so I accidentally signed up for a monthly subscription of {XXXX} to TransUnion today ( XXXX ). I got my subscription cancelled for the future, but I would like the {XXXX} refunded because I was not aware it was a paid service.
Consumer complaint received 2020-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I have already filed a complaint with them but they don't care. I have been mislead and given false information multiple times over the years with AES. I have now been paying them since 2007 as a consolidated federal student loan as much as i can afford, XXXX in interest at 7.25 %, yet my principal is more than it was when i started. I was told i was on a repayment plan ( by many of their reps ) working towards forgiveness in 25 years. I was also advised to take forbearance when i was laid off, not knowing that would also effect the number of years i had paid in. I was today told i was never on the correct plan for forgiveness. So that is 13 years of payments wasted. I will never pay off my loans before i die. They are deceitful and taking advantage of the public and deliberately trying to extend the life of the loan. Their business practices are simply illegal.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MI)

Chase notified me that someone had changed the personal information on my Chase Freedom credit card. I filed a police report and placed a 7 year fraud alert on all of my accounts and told Chase to close my account in XX/XX/2017. I have also called Chase 3 times to tell them to close the account. The account still appears as " open '' on my credit report.
Consumer complaint received 2018-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NE)

I received a letter to reduced my payments and whatnot. They are charging {$800.00} for a fee to file paper work for me, it is now seeming suspicious the longer I think about it. I am very concerned about my private information now. The company made me sign something saying no one had advised me not to make payments on my loan. AFTERWARDS, customer service began advising me not to make payments and disregard anything from my payment provider.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-12-04
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. (LA)

TO WHOM THIS MAY CONCERN : EXPERIAN IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT THEY HAVE DEFAMED MY CHARACTER WITH NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. I DID NOT GIVE WRITTEN CONSENT OR AUTHORIZATION OF LAW FOR THE COLLECTION OF MY INFORMATION.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX/XXXX Inquiry from XX/XX/2017 Unauthorized inquiry, and they will not removed ... XXXX, credior said they should remove it, if I didn't authorize ... 


Transunion XXXX Inquiry from XX/XX/2017 XX/XX/2017
Consumer complaint received 2018-08-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (NC)

Specialized Loan Servicing ( SLS ), XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are confirming based on their unauthorized mortgage position and assignments that I surrendered and included my property in Bankruptcy. 

In detail : 1. SLS stated I included my property in my Chapter XXXX 2. XXXX stated I surrendered my property in my Chapter XXXX. 

All statements from all companies are false. I NEVER surrendered my property. In addition, my Chapter XXXX 's were dismissed. 

See attachments
Consumer complaint received 2018-02-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (GA)

At the beginning of XX/XX/XXXX I contacted US Bancorp about changing my address since I had recently moved to another State due to the XXXX moving me. While on this call the banker informed me that my payment would change to a lesser amount due to lease laws being different from Colorado and that I should make the new payment for the coming month. I asked specifically if this would generate a 30 day late since my billing cycle had ended and the reply was no. Needless to say, I ended up with a 30 day late for XX/XX/XXXX. I did not receive an additional call or mail to inform me that there was an issue. I even looked at the application for US Bank and it had a zero balance throughout XX/XX/XXXX and up until the new payment generated for XX/XX/XXXX. I have contacted them countless times and disputed it with them as well as XXXX. They have denied my dispute twice. I have been on time without fail since the lease started.

I even asked for them to review the phone call from XX/XX/XXXXto show them that my story was true and a simple mistake was made on their end. They refused to listen to the recorded call that had the banker saying that all would be great and the 30 day late situation wouldn't happen. They even siad if it was their fault, they wouldn't fix it. They have no interest in making this right and I want everyone to steer clear of this terrible Corporation. This bank does shady business and doesn't take responsibility for their employee 's actions. 

Ultimately, if you tell a customer to change a payment and that it wouldn't generate a 30 day late which can be proven on a recorded phone call, they should fix the issue immediately. US Bancorp is not interested in helping the hands that feed them.