davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION (CA)

On XX/XX/XXXX I had a car accident, the police called a towing company to pick up the vehicle while I was hospitalized. After a couple of days I filed a claim with my insurance provider. Then I received a letter in the mail by the police as too the where about of my car, and that the police station placed a hold on my car. I went to the towing company to see the car and took some pictures, and tried to release it to the insurance company but they said they could not until the hold was payed off first from the police. I paid of the hold and gave the document to the towing company, which they said they would releases the car to the assessors when they showed up.
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MD)

Online Collection Services has six collections posted on my credit card with 5 accounts for the same amount of {$740.00} and 1 account in the amount of {$1400.00} totaling an amount of {$5100.00}. I have never received written notification of this debt nor recognize the company they are claiming to collect for ( XXXX XXXX XXXX  XXXX ) as XXXX did not yield any results. I will also need a copy of the contract that I signed to receive service from the company they are claiming to collect for as well as an itemized bill of service. According to HIPPA law, my medical information should be confidential and I dont understand how they would be able to produce this without my consent. 

This collection agency has not given me a chance to dispute the debt by not rightfully giving me written notice.
Consumer complaint received 2024-02-22
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. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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 XXXX 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 2020-08-20
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. (FL)

I Did not Authorize anyone to open these Accounts this was done without my consent all These Accounts is Fraud and I'm so sick of this nonsense with fraud I work to hard for this to happen to me
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (PA)

I have fixed rate mortgage with US Bank with principal and interest payment of XXXX per month. 
In XX/XX/XXXX, US Bank stopped accepting this payment as they did not apply the checks we sent. 
Apparently, US Bank decided that my payment should now be XXXX monthly and therefore did not accept this payment. 
They were billing me for escrow even though I always pay my own taxes and insurance. 
We have tried for the past year to get this rectified by working with US Bank directly. ( Note that this happened to us one year prior and we were able to resolve by dealing directly with US Bank ). There  were many phone conversations between my wife and US Bank over this past year where the situation was explained and they would tell us to send a payment XXXX for each month that was not applied and the problem would be resolved. We did many times send the agreed amount and US Bank would take the money and then post the amount back into our account 10 days later. I am attaching screenshot from my bank account which show the US Bank taking payment from our account and another attachment which shows them returning payment several days later. 
Most of the time, these payments were made as a result of phone conversations that my wife had with US Bank representatives and this was mutually agreed amount. 
In some cases, we did get some followup emails from the US Bank representatives which I will attach to this complaint. 
In the attachment fromXX/XX/XXXX - US Bank asked us to send a check for XXXX of which XXXX will be applied to the past mortgage ( principal & interest ) and there will be a refund of XXXX. As I write this complaint, we have still NOT received this refund. Furthermore, we received additional emails from US Bank stating that our loan is in foreclosure or loss mitigation - please see the attached email from XX/XX/XXXX. 
At this point, all we are interested in doing is paying off the mortgage and get out from this nightmare! We do not feel we should be held accountable for any late fees or penalties because we acted in good faith continually through this process. These practices by this institution seem very predatory and I can not believe they are legal? We have acted in good faith in trying to get this matter resolved directly with US Bank but this seems impossible. We are ready to borrow against my 401K to pay off the loan. 
This has caused an unbelievable amount of stress for me personally and my family of nine. My health is suffering because of this, I can not sleep at night and my wife and I argue consistently about this. We fear greatly that our home will be snatched from us by these practices instituted by US Bank. Please help us!
Consumer complaint received 2024-02-21
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX  - XX/XX/2023 XXXX. XXXX - XX/XX/2023
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (FL)

I have a lot of close and pay off account plus they are way to old to remain on my credit file Like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX - XXXX credit card Plus XXXX XXXX credit card
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NJ)

I would like to file a complaint on XXXX XXXX XXXX and Pressler & Pressler XXXX and P & P garnished my wages and won't give me the details or information on the debt. 
On XX/XX/XXXX P & P gave orders to my work place to garnish my wages. 
On XX/XX/XXXX I send an object letter to the XXXX County Court. 
On XX/XX/XXXX I went to court and P & P did not show up they called on the court phone. I asked the court clerk why they did not show up and she said your lucky you got them on the phone. 
When I asked the court what this wage garnishment is the judge asked P & P and they said they said " dont have the details and can't give me any details ''. 
I asked the judge how do I know its mine and she said there is a court order and I said I never got a court order. 
The judge said I can't help you, I only have to follow the law. 
Its looks like P & P and XXXX are up to their old tricks again by not giving me any info on this old debt using flimsy and nonexisting evidence. 
XXXX and P & P violated the fair Debt Collection Practices Act : Made false or empty allegations about consumer debts : Filled against me without sufficient basis Filed lawsuits based on unreliable or false information : Dont have any details on the debt. 
Harassed consumers with unsubstantiated court filings : I did not get any court date when they filed the complaint against me and they won by default.
Consumer complaint received 2018-06-26
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. (TX)

I was not aware that any of these companies were running my personal information im wanting them removed from my report, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2023-07-25
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. (PA)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute CenteXXXX XXXX XXXX  XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). The inquiry in question is from XXXX XXXX. 

Despite my previous communication with TransUnion regarding this matter, the inquiry has not been properly investigated, and I am requesting its removal from my credit report. 
The FCRA grants me certain rights as a consumer, which I want to remind you of : 1. Right to Accurate Information : The FCRA entitles me to have accurate and up-to-date information reported on my credit file. 
2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation when I dispute any information on my credit report.

4. Right to Fair Credit Reporting : I have the right to fair and impartial treatment when it comes to my credit information. 
I firmly believe that TransUnion has not fulfilled its obligation to investigate the inquiry from XXXX  XXXX properly, which has led to incorrect information being present on my credit report. I request that you promptly remove this inquiry to rectify the violation of my FCRA rights. 
Please provide written confirmation once the inquiry is removed from my credit report, as well as any documentation supporting this action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are fraudulent accounts on my credit report and I have disputed these information with all three bureaus. Only XXXX  has complied and blocked the information, however XXXX  and TransUnion have failed to comply with the FCRA and remove these accounts. I have filed a police report with XXXX and also a FTC report and forwarded them to the bureaus, however they keep making unreasonable and unrealistic statements such as the report not being valid. Please investigate this issue and help me have these accounts removed
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

They did not send me any initial communication alerting me of this debt. Please be advised, I dispute the validity of the alleged debt in its entirety. 
Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. They are illegally attempting to collect an alleged debt and money that I do not owe. 
As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. 
Promptly request deletion of any prior credit reporting to credit reporting agencies.
Consumer complaint received 2021-02-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have requested in writing that all communications with Experian must be mailed to my address and I no longer have an online account with Experian. I did that because when you sign up an online account with Experian you basically give up your rights to sue them for any wrong doing. Experian disregarded my written certified request and still emailed me to check the complaint results online.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (PA)

I have closed my Citi PremierSM Mastercard account on XX/XX/XXXX. I had XXXX worth of {$170.00} thank you points when I closed the account. I was told I can redeem these points for 60 days after the account was closed. I got the below email from Citi. 
When I tried accessing XXXX, I dont see any points and not able redeem. I called Citi customer service over the phone at XXXX on XX/XX/XXXX & after pressing so many options and waiting for minutes, Customer service rep is not talking properly and they are abusing. This has been happening for past last 2 months. Whenever I called this customer service, their audio line is horrible and I dont hear anything from them. Since Covid-19 started, they are providing very worst customer service with poor audio resources. Now I am not able redeem my points that I earned. This is complete cheating from Citi. 

Hi,. As you requested, we've closed your Citi PremierSM Mastercard account. 

Please be aware that if your account has an outstanding balance, we'll continue to send monthly billing statements until your balance is paid in full. If your account has a credit balance, then we'll send a refund to you within 90 days. 
Any ThankYou Points you've earned through the date your account was closed will be transferred to your ThankYou member account. Points available for redemption can be redeemed for 60 days after the date your account was closed. To redeem your points or check your ThankYou Points balance, go to XXXX or call us at XXXX XXXX XXXX XXXX XXXX TTY/TDD : XXXX ).
Consumer complaint received 2022-09-13
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: Southwest Credit Systems, L.P. (IL)

On XX/XX/2022, Southwest Credit Systems, L.P. ( " SWC '' ) responded to my complaint XXXX, completely ignoring all responsibility the company has as it pertains to my consumer report. The company alleges, " SWC takes all consumer complaints seriously and is grateful for the opportunity to respond '', yet the company completely ignored federal law, it ignored proof of the inaccuracies on my consumer report and their requirement to report accurately, and made no mention of the issue at hand in my previous complaint which was the inaccurate use of my consumer reports. The company failed to acknowledge or respond to the fact they have no written permission from me the consumer to utilize my consumer reports as is required under federal law 15 USC 1681b ( a ) ( 2 ). The company failed to acknowledge or respond to the previously attached document in the complaint of the alleged debt obligation that is reporting inaccurately with highlighted sections to display this fact. The company failed to acknowledge or respond to the fact that it is 100 % responsibility of the furnisher to report complete and accurate information as seen in, The United States of Appeals, Ninth Circuit, No 00-15946 Nelson V Chase Manhattan ( 15 USC 1681s-2 ( 2 ) & ( 3 ) ). The company failed to acknowledge or respond to the fact that the company is required to notify me, the consumer, prior to sharing any of my alleged personal information with non affiliated company as is a federal requirement under 15 USC 6802 ( b ) of my right to exercise my non disclosure right. This is a right provided to me the consumer by congress, it is not subject to the companies policy. This company continues to harass and defame my character in direct violation of federal law as well as my wishes as the consumer. The document they received on XX/XX/2022 detailed my desire for the company to Cease & Desist all illegal activity. It is now XX/XX/2022 and this company continues its illegal activity. Attached is the same attachment in the previous dispute that clearly shows inaccuracies. In the companies response through the CFPB, it states " SWC received XXXX XXXX initial dispute on XX/XX/XXXX and has been correctly reporting the account as disputed since then. '' The attachment shows proof otherwise. Inaccuracies clearly can be found in the highlighted sections, Account Status, Date Last Active, Derogatory/Dispute Indicator. It is the furnishers responsibility to ensure maximum accuracy. After SWC 's response, the company is willfully violating the Fair Credit Reporting Act.
Consumer complaint received 2019-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTOR BUSSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach.
Consumer complaint received 2019-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (FL)

( Additional documentation available ) My mortgage was transferred from XXXX to NewRez XX/XX/2019. The last statement I received from XXXX showed {$530.00} was due by XX/XX/2019. I also received instructions from XXXX stating the amount owed was to be paid to NewRez after XX/XX/2019. 

The first statement from NewRez showed {$570.00} was due by XX/XX/2019. The amount included a fee of {$39.00} labeled Overdue Payment. No late fees were listed on the statement from XXXX. 

On XX/XX/2019, I phoned NewRez. I spoke with XXXX who informed me the charge originated from XXXX. On XX/XX/2019, I phoned XXXX. I spoke with XXXX ( ext. XXXX ) who confirmed my payments were on time. XXXX stated the fee was for something else then said it was for something entirely different by the end of the call. I informed XXXX I was given no notice or anything in writing stating I owe additional fees. 

On XX/XX/2019, I mailed a certified letter to NewRez requesting the late fee be removed from my account. I included a copy of the last statement from XXXX proving no late fee was due. I have not received a response at the time this complaint is being submitted.