davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-30
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. (CA)

I have tried several times to get XXXX  XXXX XXXX to correct the current payment status on a loan transferred from them to XXXX XXXX. Their representative called to update me on the progress XX/XX/2019 and said they believe the payment status is being reported properly. I asked how a statement in plain english on my credit report saying I am currently past due on a loan closed 3 years ago could be accurate, and she asked me to fax any further documentation I had to her, and someone would look into it. I did that, but no one looked at it, or at least contacted me back. 

Evidently XXXX  XXXX XXXX used that phone call as a successful completion of CFPB complaint.
Consumer complaint received 2019-10-16
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. (TX)

I have sent XXXX, Trans-union, XXXX everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-10-16
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)

I have sent Experian, XXXX, XXXX everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX , TX ,XXXX, XXXX XXXX XXXX , XXXX, TX ,XXXX-
Consumer complaint received 2019-10-16
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. (CT)

In reference to my Experian Credit Report # XXXX which is in response to my dispute to four accounts of XXXX XXXX, XXXX XXXX, XXXX/ XXXX , and XXXX that reflect INCORRECT payment history ( I had automatic payments ) and one Collection Account of XXXX XXXX XXXX   that is ERRONEOUS as no monies are due are still reflected on this Credit Report. As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!!
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC (NC)

I do not understand. I was forced to go to the hospital against my will and was billed for being brought to the emergency room. From there I get a call from the hospital saying I was going to be sent to collections if I did not pay. I gave the lady my insurance information and she said " thank you very much! We will take care of it from here '' Few months later and here we are and I am being sent to collections and it was already settled. Never reached out to me again. If it wasn't for XXXX XXXX I would not even know I was sent to collections.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (IN)

I initiated a trustee to trustee transfer from my health savings account with Optum XXXX. I specifically requested a certain amount be transferred to a new trustee and that Optum XXXX  do not close my account. Optum XXXX  transferred a different amount than what I requested in my written form. Optum XXXX  does not know what to do and doesn't know that consumers can perform trustee to trustee transfers WITH OUT closing their account. I am not sure I am comfortable with them holding my money if they can't read and follow instructions.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-06-28
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. (MO)

I have disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX  XXXX, with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please
Consumer complaint received 2019-10-16
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. (CA)

I received a certified mail letter from XXXX, XXXX, and Experian that proves they received my dispute for XXXX  XXXX  XXXX. They are required by law to remove the negative account because the debt was opened fraudulently Per Section 605 B of the US Code.
Consumer complaint received 2019-10-16
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)

I received a certified mail letter from XXXX, Transunion, and XXXX that proves they received my dispute for XXXX   XXXX XXXX. They are required by law to remove the negative account because the debt was opened fraudulently Per Section 605 B of the US Code.
Consumer complaint received 2019-07-29
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. (MO)

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have already the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX however, Equifax has not removed this from my report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (VA)

I was planning on purchasing a new home in the country. I inquired about XXXX XXXX and was told that I had 30 days to try out XXXX XXXX. I had it for less than two weeks when I decided to cancel and go to a cheaper plan with XXXX XXXX for TV and internet. I am a single parent and wanted to get the best deal possible to help save with monthly cost. I was not informed at the time of cancellation that I would owe them a fee for cancelling services, the only thing that I was told is that I needed to send the equipment back in which was done. A month or so later I received a bill from them saying I owed them hundreds of dollars for cancelling early, it was only 10 days into the service. I told them I was willing to pay for my service but was not going to pay a fee because I was told I had 30 days. I decided to go with XXXX XXXX whom also stated that I had a 30 day window and that I could cancel if not satisfied with the cable and internet service. I ended up moving out of the house after realizing I just could not do it by myself with XXXX children. I cancelled XXXX XXXX before 30 days and sent back the equipment as requested by XXXX XXXX. They ended up trying to charge me a cancellation fee as well. I did pay them what was owed on my bill and told them that it was stated that I had 30 days to cancel and that I had just been through this with XXXX XXXX so I made sure this would not happen with them if it did not work out. Now both of these are on my credit report and I need help getting them removed. They will not take it from my credit report. I have tried offering them a settlement amount, but that does not seem to make them happy. I have never bought a house and I am trying to do that in the next year for my children and I. Like I said I am willing to pay for the TV service that was used, but I should not have to pay hundreds of dollars for simply cancelling my services. I sent in all equipment as requested.
Consumer complaint received 2016-10-03
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (IL)

Amex XXXX prepaid cards charge the card holder {$3.00} per month re regardless of balance after 6 months of issuance. 

This is seems to violate usery and common sense. The longer Amex has use of the funds the more they make on the unclaimed balances on these cards. Charging {$36.00} in fees annually on a {$50.00} gift card is obscene and lacks any ethical justifications.
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XX/XX/2017 I was approved for commercial loan to build a dental office from Bank of America Practice solution. 
XXXX XXXX was my loan officer at that time and it was very successful relationship and he communicated almost on a daily basis to make sure that everything is very smooth until XXXX got prompted and my account was transferred to a different officer called XXXX XXXX. They guaranteed at BOA that everything will be the same since my REP ( XXXX ) and my account manager ( XXXX ) will not be changed. 
I had so many complains about XXXX that were communicated with XXXX and XXXX and I even asked to get him replaced due to lack of communication, my complains were not accommodated in timely manner and until it was too late. 
XXXX XXXX simply mis-calculated my withdrawals due to lack of experience, XXXX and XXXX were too busy to look over the account and correct him. 
XXXX decided to put a freeze on my loan and a hold on my checking account without informing me, my REP or even his boss my account manager. Between XXXX and end of 2017 XXXX got very confused and was putting freezes on my accounts on and off almost every week and here where the damage happened, most of my payments got rejected due to confusion of the banker and caused significant credit damage, penalties, closed credit cards, multiple credit delinquencies. 
Practice solutions couldn't resolve the problem completely until XXXX of the following year and that was when they found out that XXXX mis-calculated the withdrawals amount. 
and I was charged 12 % interest during the investigation period until they found that there own employee made that mistake which was when they agreed to remove the interest and also correct the credit reporting, I spoke to multiple levels of managers in bank of America and the all agreed that the problem needs to be fixed, non contacted me back or got any close on fixing the issue due to lack of communication between departments. 
After we closed in XXXX they kind of lost interest in fixing the problems and never adjusted the interest or ever reverse the credit damage and they keep and still dragging and delaying for no reason. 
They also ran my credit on XX/XX/XXXX and XX/XX/2017 even though the contract says they are allowed to run credit every 60 days not every day. 




Attached is a my bank statement from that month showing that there was enough money in the account to cover all payments.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I recently participated in the loss mitigation process with my loan servicer after completing the trial mod payment process. However a copy of the permanent loan modification was never sent to me in the mail and also a copy was never sent to by email. I contacted my mortgage servicer about the discrepancy in a qualified written request which was received by my lien servicer on XX/XX/2019. My mortgage servicer has not answered my request as required by law or provided me a copy of the permanent loan modification as promised by email and or by phone when I spoke to the mortgage servicer about the process.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (VA)

In connection to complaint # XXXX, on XXXX I XXXX XXXX XXXX the natural person and consumer rebutted TARGET CARD SERVICES attempt to validate an alleged debt via certified mail. Im giving TARGET CARD SERVICES another chance to lawfully allow me to validate the alleged debt by giving them 7 days upon receipt to respond with specific requested information pursuant to 15 USC 1692g ( see attachment ). TARGET CARD SERVICES received my rebuttal on XXXX. Ive been trying to receive proper debt validation from TARGET CARD SERVICES since XXXX when my initial correspondence was received via certified mail. Its now XXXX ( XXXX days later ) With not 1 piece of evidence of validation being conveyed to me. TARGET CARD SERVICES is currently using stalling tactics by not sending required debt validation information pursuant to 15 USC 1692g ( a ). TARGET CARD SERVICES responded to my initial debt validation request with 1 meaningless billing statement from XXXX showing a charged off account ( see attachment ). That doesnt validate a debt pursuant to 15 USC 1692g. As stated in my feedback response in complaint # XXXX, TARGET CARD SERVICES is in violation of 15 USC 1692 ( a ) for failing to send a debt notice to determine the initial communication in relations to the alleged debt. TARGET CARD SERVICES is in violation of 15 USC 1692g ( a ) ( 3 ) for failing to disclose my right to dispute the alleged debt. TARGET CARD SERVICES is in violation of 15 USC 1692g ( a ) ( 4 ), and 15 USC 1692g ( a ) ( 5 ) for failing to disclose the necessary statements in relations to the alleged debt being disputed. Pursuant to 15 USC 1692g ( c ) my failure to dispute the alleged debt should not stand for an admission of liability. Only I the consumer can validate a debt. With TARGET CARD SERVICES failing to give me the opportunity to dispute & validate the alleged debt, Its unlawful to be reporting information to third parties that isnt validated nor with consent of the consumer. Theyre knowingly furnishing fictitious information.
Consumer complaint received 2019-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (CA)

This complaint is in regards to file # XXXX I was in the settlement process and during this process i have been receiving numerous harassment calls by debt collector XXXX XXXX representing Westlake Financial. XXXX XXXX needs to be fired because he keeps Threatening to arrest or legal action. 
I told westlake fiancial to stop calling my phone number and any number in record and to send me letter instead. any communication was to be process via letters postal mail or email. XXXX told me he will show up to my house with police and arrest me. he has violated my consumer rights. Gearing v. Check Brokerage Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). FDCPA Section 809 ( b ), FTC

opinion letter Cass from LeFevre .FDCPA Section 805 ( c ) FDCPA Section 805 ( a ) ( 1 ). FDCPA Section 805 ( a ) ( 3 ). FDCPA Section 805 ( b ), 806, 807, 811 ( a ) ( 2 ). FCRA Section 623. each Fine minimum {$1000.00} per violation as per FDCPA Laws.

the account was removed from my credit report but the title was place on hold. at this point i demand the title loan and phone calls to stop. westlake financial was informed to follow my consumer rights per FDCPA Laws in the state of california. each violation I would also like to request, in writing, that no telephone contact be made by your offices to my home, third party and/or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in complaint.
Consumer complaint received 2019-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

I have worked for 15 years in XXXX XXXX XXXX  in both XXXX and CT. I have applied to have the loan forgiven on numerous occasions as I have also worked for XXXX XXXX XXXX   XXXX which would qualify me for immediate forgiveness of the loans. 
I was forgiven {$2500.00} more than 3 years ago and was told I needed to wait several more years to apply again for forgiveness. I currently owe a total of {$25000.00} between my XXXX and XXXX studies. I continue to work for a XXXX  XXXX XXXX  XXXX  and applied a few months ago again. I have not heard back from the loan company at all again at this point.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My credit card account was closed because of a typographical error when submitting a payment. Once I learned of the issue, I immediately remedied the situation before even attempting to use the card.

I tried to reopen the account and Capital One said I needed to wait 7-10 days. Its been a few months. Each time I call Im being told someone will call me. Nobody ever does.

I opened these accounts to rebuild my credit. They are destroying my credit. Ive sent a written request and Capital One has ignored my correspondence. I need help!!
Consumer complaint received 2019-10-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK (MD)

In the begging this year when I pulled credit report I found out that my husband had use all my identity ( ssn, tax return ... ) all tha information applied a personal loan last year around XXXX for XXXX under mecurrently going through divorce process ) i had call discover so  many time and they told me is civil matter, i had called police also but they werent being helpful, my husband was tha one set up all tha account and stuff since he manage all the bills at home, and everything was done by him, jsut recently he start sent email to me, I just dun understand how can they approve the loan that easy without my  signature and stuff, now my credit score is damage cuz is not being paid, i was hoping they can help me investigate but they didnt, they kept switch me from line to line and told me nothing they can do! Please help
Consumer complaint received 2019-10-16
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: Experian Information Solutions Inc. (FL)

on XX/XX/2019 XXXX XXXX did a hard pull on my credit report causing a negative effect. i do not know this company nor did i authorize this credit report pull. please remove it. 


on XX/XX/2019 XXXX XXXX XXXX  did a hard pull on my credit report causing a negative effect. it was discussed and made clear that ONLY a soft pull would occur, not a hard pull. and, that a soft pull would in no way impact my credit score. please remove.
Consumer complaint received 2023-01-13
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. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX Date Opened XX/XX/2022 Balance : {$170.00}
Consumer complaint received 2019-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (DC)

- Letter dated XX/XX/2019 requesting Validation of Debt sent to LVNV - Response letter dated XX/XX/2019 with an account summary as Validation of Debt. 
- Response letter dated XX/XX/2019 with an account as Validation of Debt - Another letter dated XX/XX/2019 requesting Validation of Debt not an account summary. 
- NO RESPONSE FROM LVNV