davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

I bought an order like a bracelet for XXXX $ to give as a gift for the most important day but this item is lost but i don't know how to contact the person who sold it to me
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance Owed : {$440.00}
Consumer complaint received 2021-08-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

I have talk to them so many times that I am only working part time and the school that I am paying on with this loan has been closed since XXXX and I been paying on this loan for about 10 years of the year of XX/XX/XXXX and my loan was only for XXXX and they said that I still owe them money and they have been having a lawsuit against them I feel they are ripping me off because the way I calcute it is that I still owe them money and I don't feel I do. I need some help getting this taken care of.
Consumer complaint received 2020-12-02
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: Convergent Resources, Inc. (TX)

To whom it may concern : I have reviewed my credit report and see that your company ( CONVERGENT OUTSOURCING, INC ) has listed an account on my credit file with A balance. ( XXXX XXXX W/BALANCE OF XXXX ) I have attached A screenshot of the reporting reflecting on my consumer report. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
Consumer complaint received 2018-03-05
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: Seterus, Inc. (NM)

I had a Mortgage with XXXX XXXX in XX/XX/XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and XXXX XXXX XXXX assumes my XXXX XXXX XXXX # XXXX. In XX/XX/XXXX the XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XX/XX/XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XX/XX/XXXX, and the fact that I refinanced my XXXX Home in XX/XX/XXXX, paid it off completely when I sold the home in XX/XX/XXXX. Financed a brand new XXXX XXXX in XX/XX/XXXX, it too is completely paid off, but I am still being denied credit in XX/XX/XXXX because of this Fraud to my account! I do not feel like this is fair to a XXXX XXXX that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX XXXX  of this country! You can't report both loans! Thgis is Fraud!!!!!
Consumer complaint received 2023-04-06
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

I am in the process of purchasing a new home and was asked to get a statement on a previous 2nd mortgage that I have been paying on due to a divorce decree from 12 years ago. This 2nd mortgage debt has been sold to different entities and is currently serviced by Statebridge Company. 
I was trying to obtain a monthly statement on their web portal, but was unsuccessful as it kept erroring and logging me out. When I called to request one, they told me that since my loan was not secured anymore, they didn't have to provide a monthly statement. I talked with XXXX ID # XXXX and he was very rude in his explanation of why they would not provide a statement. I don't see any rules pertaining to exemptions for this scenario of mortgage loans. The Periodic Statement Rule is explicit on what is exempted and this doesn't meet any of those exemptions. 
( A servicer must provide a written statement to the borrower each billing cycle, usually monthly. ( 12 C.F.R. 1026.41 ) ) This may put my purchase of new home in jeopardy as the statement is being requested from my current lender.
Consumer complaint received 2022-04-28
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: NAVY FEDERAL CREDIT UNION (LA)

In accordance with the fair credit reporting XXXX XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-02
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. (LA)

My family purchased a car with me as a Co buyer without my knowledge. The company says they verified the information which is impossible. However, because my mother was on the loan and she is now XXXX I decided to help so this car could stop affecting my score. I settled the loan as less than the amount owed with XXXX XXXXXXXX ( the collection agency provided by XXXX XXXX ). I was never told that the collection company would take 30 days as well as the creditor ( XXXX XXXX ) would take an additional 30 days. I am in the process of purchasing a home and this account is significantly affecting my home buying process. XXXX XXXX sold the account to a collection agency, XXXX XXXX reported the account had late pays the entire time the account was in collections causing a double negative effect. I really would like someone to review this matter. I have yet to obtain paperwork from XXXX XXXX stating the account was settled in full. I have reached out to the CEO, customer service, as well as many other representative at XXXX XXXX and XXXX XXXX. I received long, disconnected phone calls and no solution to any of my problems. My consumer rights were violated on numerous occasions and I would like XXXX XXXX to rectify the situation. 



Not admitting to the debt
Consumer complaint received 2022-04-28
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. (AR)

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THEY HAVE OVER A 3 1/2 HOUR HOLD TIME ON AVERAGE TO SPEAK TO A REPRESENTATIVE AND WILL NOT GET ME THE FUNDS OWED ON MY CARD. I FILED A COMPLAINT AFTER TRYING TO WORK WITH THEM FOR MONTHS. NO RESOLUTION. THEY ASK FOR MORE TIME FROM YOU GUYS. 

** THEY ARE ILLEGALLY DENYING ME THE RIGHT TO FILE A DISPUTE, BECAUSE EVERY TIME I CALL I GET THE RUN AROUND. APPARENTLY THEY HAD A DISPUTE FOR SOME CHARGES BUT NOT ALL OF THEM. MY CARD IS NEGATIVE OVER XXXX AND I AM OWED XXXX ON TOP OF THIS. 


I TRIED OVER AND OVER AND OVER AND OVER TO GET A RESOLUTION. AFTER FILING A COMPLAINT I GOT A CALL BACK FROM A GIRL NAMED XXXX XXXX XXXX XXXX SHE PROMISED SHE WOULD LOOK INTO THIS AND GIVE ME A CALL BACK. I HAVE NOT RECEIVED ONE AFTER LEAVING 5 MESSAGES AND WAITING PATIENTLY. 

TURNS OUT THE PERSON WHO HAD MY CARD THAT I WAS NOT IN RECEIPT HAD DONE MULTIPLE CHARGES ON THE CARD, AND I JUST FINALLY WAS ABLE TO GET A CARD OUT TO ME THAT " WORKS ''. I HAVE NO ACCESS TO FUNDS AS IT IS XXXX AND CHANGE. I AM OWED XXXX AND THE CARD IS NEGATIVE XXXX THIS COMPANY IS USING DECEPTIVE DISPUTE PRACTICES TO EVADE FROM THE LEGAL TIMELINES THAT CONSUMERS HAVE TO BE GIVEN UNDER THE LAW. THEY HAVE BEEN DOING THIS TO QUITE A FEW PEOPLE AND WONT FILE DISPUTES/ CLOSE THEM ONLY TO REOPEN THEM AND GAIN MORE TIME WHEN THEYFULLY KNOW THESE NEED TO BE CREDITED WITHIN 10 DAYS. 

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Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-24
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. (WA)

Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX  XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due
Consumer complaint received 2020-01-21
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. (MA)

The creditor XXXX XXXX XXXX and XXXX XXXX XXXX have agreed to delete the XXXX XXXX account from all of the credit reporting agencies that it is being reported to. I have a letter of deletion from the creditor to prove it.
Consumer complaint received 2022-04-28
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. (AR)

I have repeatedly contacted XXXX XXXX, XXXX, XXXX AND EXPERIAN, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. Thanks.
Consumer complaint received 2022-04-28
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. (AR)

I have repeatedly contacted XXXX XXXX, XXXX, EQUIFAX AND XXXX, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. Thanks.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CT)

I deposited funds totaling {$15000.00} XX/XX/20 to qualify for Citibank Bank 's {$500.00} bonus. I met all of the qualifications and the bonus was not paid. I called Citibank numerous times and they had an excuse each time. and they were not able to pay the required bonus by XX/XX/20, nor were they able to tell me why. XXXX XXXX Phone number XXXX The accounts involved Account # XXXX. 

Here are the terms of the offer Earn {$400.00} when you open a new checking account and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking account for 60 days You can also get an extra {$100.00} on the {$400.00} bonus when you complete one qualifying direct deposit each month for two consecutive months within 60 days of account  opening, for a total of {$500.00}. 

Please help me. XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I've been getting several calls monthly to my cellphone now daily from Portfolio Recovery. The numbers are all based in Washington state but they may not be legitimate. I got one today and after doing a XXXX search for the phone number it's listed to a XXXX XXXX with Portfolio Recovery. Neither my wife nor I have any debts in collections so I don't know why I keep getting these calls. I won't post my cellphone number in this complaint because I don't want PR to know it's a working number. They will keep calling it unless stopped by your agency. 

I've worked as both a credit counselor and a bankruptcy counselor so I know not to engage with these people. I don't answer any of the calls and none of the callers have left a message. These are most likely robocalls. I block every phone number this company uses and but it must have an unending supply of phone numbers from different states to use. PR is based in Virginia and to the best of my knowledge there are no offices in my state.
Consumer complaint received 2022-04-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  ( Account # XXXX Name - XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX XXXX, ) ( Account # XXXX Name XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX ) and 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 2022-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I was scammed on cash or trade, I was trying to purchase 2 concert tickets from another member and after I send {$260.00} to them via XXXX they blocked me and never sent the tickets. XXXX XXXX Citizens bank ( my bank ) refuse to help even though I can prove I was scammed and all that is required is for them to reverse the transfer.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (GA)

To Whom It May Concern To Whom It May Concern I am challenging the incorrect information with XXXX XXXX and alll 3 Bureaus XXXX, Equifax, and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was verified. The account is being reported as a Bankruptcyby XXXX and 3 credit bureaus. I personally have a letter from the court house and they said they do not report to any credit bureaus. I have coantacted the credit bureaus on XX/XX/2022 and XX/XX/2022. they both came back verified. 
I contacted all 3 bureaus XXXX, Equifax, and XXXX as well. I then know that you can not report false information to a consumers credit report. Nothing was ever verified and they as well have never sent me any letters on the process of their verification process. All reporting credit agencies should prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. By them reproting this unverfied inforamtion has made it hard for me to secure a home as well as funding. This is inaccurate information and I need it deleted immediately. 



delete a bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verify these items in it needs to be deleted according to the FCRA they have once again refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more an interest every year this item needs to be deleted from my credit report if you can not be verified with
Consumer complaint received 2022-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc. (PA)

This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Account is reporting as a charge off.And I would like to have it removed from all three credit bureaus. Its been XXXX years from the first date of delinquency. Per XXXX XXXX account should been removed off the credit it XX/XX/XXXX. Ive disputed this account through XXXX, XXXX and Experian however it still remains on my credit report. Ive worked with Experian XXXX XXXX in XXXX and have been working with XXXX XXXX to have this delinquency removed from my credit report. Escalations letters have been sent to XXXX finance company as well as the XXXX credit bureaus and have not heard anything. Please help me removing this account from my credit report
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Requested copy of XXXX Report to show bankruptcy is not on credit file. XXXX, Transunion, and XXXX  advised they receive information regarding Public record from XXXX. Sent dispute to XXXX, XXXX, and Transunion regarding the information on credit file is incorrect. They advised the information is correct. Ordered another copy of file from XXXX XXXX and sending information over to CFPB to address the inaccuracy of information regarding public record on my credit report.