davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Performance Management, LLC (LA)

XX/XX/XXXX To Whom It May Concern : Im disputing a collection charge in the amount of {XXXX} from XXXX XXXX. My credit has dropped by XXXX points. My credit was excellent with 25 years of XXXX missed payments. This is devastating and incorrect! 

After Hurricane Ida, I ordered XXXX XXXX internet because XXXX was down in my neighborhood. I ordered the XXXX box on XX/XX/XXXX. I paid for XXXX XXXX  shipment and the shipment never arrived. XXXX consultant advised me to order another XXXX box. I ordered that box on XX/XX/XXXX. 

Once the XXXX shipment finally came in the mail, on XX/XX/XXXX. I rejected the package. This means the XXXX  box was returned to sender, never received nor used. Once the new XXXX  box came in the mail, I immediately returned it to XXXX. I've never used their services. I've spoken with numerous XXXX operators, all claimed that accounts were closed. I contacted XXXX on XX/XX/XXXX. XXXX could not verify my account or the amount. XXXX could not produce a paper bill itemizing what I owe to send me. XXXX rep proceeded to give me the number to RPM. RPM representative told me on XX/XX/XXXX that I was being charged for canceling a two year contract. I never signed a two year contract for XXXX internet. XXXX policy shows that XXXX  has no contracts. XXXX was returned immediately because the XXXX  was not strong enough, no equipment fees. XXXX LTE was advertised at {XXXX} per month. Please explain how Im delinquent for {XXXX} for equipment and services that I never used? 

Attached are chat conversations and emails from XXXX confirming the shipment and return of the two XXXX boxes. 

I received a disconnect email on XXXX. I reached out to XXXX on XX/XX/XXXX to confirm that my account was canceled and disconnected. 

I asked the XXXX chat agent for email confirmation to confirm no more charges on XX/XX/XXXX. XXXX was returned in XX/XX/XXXX. I still received a email bill in XXXX, XXXX months after returned equipment and no more XXXX equipment. 

XXXX Chat Agent reply on XX/XX/XXXX : Agent : Also on the next bill generation its showing a credit for the service of {$XXXX}. I can go ahead and process a disconnect order now that the equipment has been returned.

Agent : There is no confirmation to send for the system is crediting you back on the next bill cycle now that the equipment is returned and the disconnect for the lines is already present. 


My credit report is currently showing that the collection is delinquent, which is further destroying my credit.
Consumer complaint received 2022-04-03
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. (NY)

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. Account # : XXXX Account Type : Open Account Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$81.00} No. of Months ( terms ) : XXXX High Credit : {$81.00} Credit Limit : {$0.00} Past Due : {$81.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : -
Consumer complaint received 2022-04-03
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # 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
Consumer complaint received 2022-04-03
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)

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2022-04-03
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my consumer 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 an account without my written instructions. I never gave them written instructions to furnish information onto my consumer report.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

I sent a dispute to all 3 credit bureaus to remove a medical bill that is less than {$500.00} from my credit reports and they have not removed the debt nor closed the dispute. The dispute has been open and ongoing for several weeks now.
Consumer complaint received 2022-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IN)

Aidvantage is in violation of my consumer rights as a natural person, original creditor. 
15 USC 1692e 15 USC 1692f 15 USC 1692j
Consumer complaint received 2017-03-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Phoenix Financial Services LLC (FL)

This debt collector has reported information to creditor bureau that I owe a debt. However I was never notified of the debt. I discovered the debt via reporting of my credit report. I then contacted the creditor bureau and the debt collector via several methods ( including certified mail ) to notify them that I have disputed the debt and request validation of the debt. However as of today despite my attempts I have received no notification of the debt and the collection agency has violated my rights by failing to provide me with validation of the debt or at the very minimal notifying the creditor bureaus of the dispute. As of date this collection was never placed in dispute despite my many attempts. The collection agency is ignoring my requesting and refusal of my rights.
Consumer complaint received 2022-04-03
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. (PA)

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2019-06-12
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. (MN)

XXXX Transunion & XXXX after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX Transunion You are reporting Purchased by another lender _ paid in full / was a charge off However XXXX   & Transunion DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
XXXX You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX XXXX XXXX their is no modification inaccurate information. 
Transunion & XXXX Payment History is Inaccurate on this account! 
Transunion you are reporting a 30 day late on this account for XX/XX/2018 XXXX is reporting on 30 day late on XX/XX/2018 This information is inaccurate XXXX is showing
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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

I want XXXX XXXX, Experian and XXXX to add my current employer to my credit report. My current employer is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$200000.00}
Consumer complaint received 2019-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

My mortgage loan is from ditech. I have and was working for an in house modifcation which they had approved me and my payments began XX/XX/2018 of {$260.00}. They needed my authorization for the approval which i did several times and never received the approval documents how they had explained to me. Later on i come to find out i was denied but was never notified. They have me back and forth but i am XXXX and still making my {$260.00} payment as they had mentioned to me at first. The excuse, they are backed up. Loan # XXXX they changed my loan # number due to new system # XXXX Password to talk to me due to getting alot of scam calls- XXXX XXXX
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, 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. (MN)

I paid to view all three of my credit reports and found a lot of hard inquires that are fraud and I don't recognize on my TransUnion report. Please validate all the hard inquires and delete the ones that are fraud.
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (TX)

I have paid off the account with XXXX XXXX on XX/XX/XXXX. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America ( " BOA '' ) serviced our mortgage until XX/XX/2013. Our mortgage was sold to XXXX that month, after BOA puller their business out of most of Maine. Prior to the transfer BOA agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however BOA continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without BOA 's action. We have asked BOA to remove the negative item from our credit reports, but the company refused to do so. Given the fact that BOA has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.
Consumer complaint received 2024-05-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

XXXX is engaged in securities fraud. As the issuer of the note which is the contract they did not disclose it was the collateral which would be used to sell for profits. The notes are pooled together and sold on the market to raise capital for the business and its shareholders. By their own prospectus that they submitted to the sec it outlines their business practices and how the note transaction works. 

XXXX XXXX XXXX XXXX XXXX is the issuer of the contract which is the note then the note is deposited with XXXX XXXX XXXX XXXX XXXX. Citibank N.A. is the owner trustee and XXXX XXXX XXXX. both had a fiduciary duty to ensure I was paid for my investment. Not only has XXXX continued to sell the security but they also repossessed the vehicle and sold it for profits. This is type of behavior is criminal and XXXX could also be civilly liable for any damages that may arise. 

XXXX continues to allege I owe them a debt which is NOT true they issued an unconscionable contract knowing it was XXXX sided and they would only benefit from me. Even with my repeated attempts to rectify this issue they continue to violate federal laws put in place to govern publicly traded companies. A complaint to the SEC and XXXX about this matter is warranted since XXXX refuses to follow the trading laws.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted regarding MULTIPLE inquires that I am unaware of and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, you did not show my authorization as required by law authorization, written nor verbal I ask that you DELETE these non authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Replying to my CONCERNS with a letter stating to contact the companies that are listed on inquiries is not legal. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Consumer complaint received 2022-04-03
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. (PA)

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2019-03-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

I'm XXXX and I'm struggling to make my Mortgage payments. I conducted research on what can be done regarding payment assistance. TIAA Bank has payment assistance listed on their website. In late XX/XX/XXXX, I decided to submit a payment assistance request from the bank. I filled out the Bank 's payment Assistance Form 710. Within a few business days, I was sent a loan modification packet. I filled out and notarized the packet and sent it back to TIAA Bank, In the packet, I would have to pay four ( 4 ) trial payments starting in XX/XX/XXXX. 

I called the bank regarding the XXXX Payment and was told to qualify for the trial payments, I'd have to make the XXXX Mortgage Payment. Later that month in XXXX, I was informed I wasn't supposed to make that payment. I proceeded to contact the manager who corrected the error and applied my XXXX Payment to XXXX 's trial payment and partially to the XXXX Payment. 

The Trial Payment Period ended this month in XXXX. Now I receive the final loan modification documents from the bank and its completely unfavorable to me. The bank is deferring a portion of the balanced owed on the outstanding Mortgage balance. The balance I owe is {$160000.00} and the amount being deferred is approximately {$19000.00}. The remaining balance is {$140000.00}, but the deferred amount is still due after the {$140000.00} is paid. The interest rate is the same at 4.625 %. The only thing the bank is offering is to extend the mortgage to a 40-year loan as opposed to the fixed 30-year loan. I'm also being informed there an escrow account shortage of {$1200.00}. I was never informed of this shortage during this entire process. The bank is allowing me to " spread '' the escrow over 60 months resulting in a higher modified mortgage amount.

I feel like Im being penalized for requesting a loan modification. With a 40-year loan, Ill pay an additional {$130000.00} for a house thats still underwater since the housing bubble burst in XXXX, just to get a loan reduction amount of {$190.00} per month. This is a complete outrage! Its deplorable, disgraceful, and unacceptable to manipulate and exploit XXXX people who are asking for payment assistance with their Mortgage, so they can stay in the house. If I dont sign the loan modification document and have it notarized, I have to pay {$3400.00} to the bank just to be current. The whole point of asking for payment assistance was to lessen the burden of making my mortgage payments, not to penalize me for making the request. Thats whats happening here. I have no choice but to sign this document. What payment assistance is this bank offering? Absolutely none. In fact, all this bank has done is to increase my financial burden on a property still about {$50000.00} underwater.
Consumer complaint received 2023-05-08
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-04-03
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: Maximus Federal Services, Inc. (SC)

Student loans not reporting to XXXX. It has been over 60 days. This is the 2nd time I have had to file a complaint!!!! I already called XXXX and checked if they have any information being received from Aidvantage and they have not. This is Aidvantage 's problem not XXXX like they keep trying to make it. Fix this!!!!!!
Consumer complaint received 2019-04-11
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: AMERICAN EXPRESS COMPANY (NY)

I applied for the Gold card offered by American Express. The card is approved on XX/XX/2019. When I applied for the card through American Express website, Amex said that " You can earn 50,000 Membership Rewards points after you spend {$2000.00} or more in eligible purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. '' When I clicked on Amex website to agree to this offer term, the website also provided a PDF file of the offer term that I can download so I have a copy of the offer term that I signed up for. The offer term is 50,000 Membership Rewards points as the welcome bonus. I also mentioned the 50,000 Membership points to the customer service during an online chat on XX/XX/2019, and the customer service agreed this term I mentioned. 

However, after I spent {$2000.00} in the first 3 months ( 2 months actually ), Amex only gave me 25000 Membership Rewards points. This is not consistent with the offer term that I signed up for. After communication with Amex many times by online chat and by phone, Amex claimed that they have no mistakes on doing this. This is inconsistent with the document and the offer terms I have. Until today, Amex still refused to fulfill their offer term.