davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (NC)

XXXX Account : {$110.00} Reported to collection agency XXXX XXXX Removed from XXXX XXXX in XXXX. 
Account was paid on XX/XX/2021 directly to creditor XXXX. 
2nd Collection Agency South West Credit System was added to credit report on XXXX after account was paid. 

Credit reports now reflect 2 different agencies attempting to collect the same debt from XXXX after it has been paid. 

Reached out to XXXX to have collection agencies removed immediately and waS told I had to wait until they updated meaning my credit will have 2 negative/derogatory accounts for the same creditor.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I have had numerous fradulent charges on my account from the past month. I addressed this with them as soon as I was aware of the charges. To date they 've only removed 3 of the charges and There remain for charges totaling almost {$200.00} 3 weeks later which have still not been remove. I called them again yesterday requesting these charges be removed. The person I spoke to help me verify that I wanted to remove those charges as being fradulent. I again stay that yes they were fradulent charges and I want them removed for a second time I made this request. Today the charges remain on my credit card and I 'm beginning to get close to bill payment date. So I 've been trying to get them to resolve this so I do n't have to make a payment to avoid problems with crediting.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX I checked my credit report on XXXX XXXX and had a total of XXXX hard credit inquires removed. In checking my report on XXXX all XXXX inquiries were placed back onto my account with out sending me a reinsertion letter required by the car section XXXX. I have been calling transition ever since and have received no help, my request to be transferred to an American representative or the fraud department, many of the representatives were very rude and condescending. Some even told me they know what happened and basically told me I should simply file a complaint because they will not fix it
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

On or before XX/XX/XXXX the bank informed that within 7 business days I would receive {$600.00} credit balance refund. 

I waited and around XX/XX/XXXX or XXXX, not yet having received the {$600.00} and concerned about possible lost check, I phone Citibank and I was told, ser dont ' worry, the check is not cashed yet, we will send you a new check withing 5-7 business days. 

But, on XX/XX/XXXX I received a check dated XX/XX/XXXX for {$600.00}. I called Citibank. What should I do? Should I deposit the check or should wait for the new one? In my opinion the lady answering the phone had no clue as XXXX had very difficult time explaining what happened. Obviously not at a standard that I would have expected from someone that works fir a prestigious institution as Citibank. She said ser dont worry go haed and deposit the check. The check is good. Are you sure I asked? Yes, Yes she replied. What is your name? she said my name is XXXX 

On XX/XX/XXXX I deposited the {$600.00} check at XXXX and on the XX/XX/XXXX the item was returned unpaid. 

I immediately called Citibank, again after a long explanation the lady tells me that they stopped payment on the check on XX/XX/XXXX. 

It is embarrassing for me with my bank that a check gets returned unpaid. It is very like that the bank will assess the usual return item fees. It is possible that the bank could affect my relationship with that bank negatively After my conversation on XX/XX/XXXX I really don't know where I stand? Am I receiving {$600.00}? would the check be good? would they apply to my balance? Am I receiving a second check from the second conversation and what to do with it? although, currently my balance is XXXX but I anticipate a charge of {$610.00}. I would be afraid to make any other calls that seem to make this matter even more complex. 

I am happy with card and the benefits offered, but I think a big institution as Citibank should have more qualified individuals in understanding the various dynamic that can take place with a credit card and hope to receive a response to see where I stand with this account.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

The follow account and Inquiry information does not belong to me. 

XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$410.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (IL)

I received a letter from an Attorneys office Stuart-Lippman on XX/XX/2019. The letter stated that I own {$780.00} dollars to XXXX for repayment to one XXXX XXXX XXXX for damages from an uninsured vechicle. Driver being one XXXX XXXX whom I don't know at all! I haven't had a car nor a drivers license in about 20 years. 
The letter has me, XXXX XXXX as the vechicle owners name. I havent owned driven a vechicle in over 20 years. There's a file # XXXX
Consumer complaint received 2022-09-08
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. (CA)

XXXX XXXX XXXX  mistakenly sent a balance that I did not owe to XXXX XXXX XXXX. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I am a victim of fraudulent information reporting and I am filing this complaint to CITI CARDS/CITIBANK. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2022-10-03
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)

transunion states that they did corrections and now it's updated but obviously they didn't because I still see the same errors on my credit report and nothing was changed!! let 's get this right once and for all ... if there's errors and inconsistencies on my credit report you have to delete ... .or pay {$1000.00} per violation...
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX notes to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.
Consumer complaint received 2015-11-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (TX)

In Texas, took a {$10000.00} loan with XXXX XXXX. I have paid at this time $ XXXX and still showing a balance of XXXX. I understand that you have filed against them and other consumers no longer have to pay these. The interest rate supposedly was 89 % on this loan. I believe Texas has a cap? Can someone identify this for me?
Consumer complaint received 2017-03-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding has been calling me and mailing me for a long while claiming I owe them {$9200.00} on a XXXX account numbered XXXX. I have stopped paying all XXXX accounts as of XX/XX/XXXX due to facing devastating financial losses at the time. We know XXXX does not allow reporting to credit bureaus on delinquent accounts that are over 7 years old. I contacted XXXX, and they confirmed that no such account number existed in their systems. I have detailed stored information on my servers going back to XX/XX/XXXX and I attest that I have never had this account. I contacted Midland Funding and they had me on hold for very long times, and were not willing to send me proof of payment made by me on this account less than 7 years ago. I am getting declined on credit applications due to this derogatory information being reported by Midland Funding. 

They have themselves admitted to XXXX on the attached report that the account was to come out on XX/XX/XXXX, yet they are not willing to remove from XXXX. I have disputed with XXXX, but they claim Midland will not remove. 

I request the assistance of the CFPB to get them to immediately remove this false and damaging trade-in/collection. 

Thank you
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

i recently sent a letter to the SOUTHWEST CREDIT SYSTEMS and in That letter i clearly demanded to see and receive copies of the purchase agreement for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Consumer complaint received 2017-10-06
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: EQUIFAX, INC. (AL)

I was concerned about the latest security breach that Equifax had and I checked my report and noticed that there were a lot of credit inquiries that I did n't recognize prior to the breach and a couple afterwards. I contacted Equifax on XXXX/XXXX/XXXX to investigate and remove these inquiries and Equifax apparently did n't think my credit file was n't important enough to investigate my concerns. I received a letter back within a few days stating that the inquiries are actual and factual data. Basically, Equifax is telling me to go kick rocks. I called a couple of the companies and their phone numbers goes to nowhere, so this displays to me that there was n't an investigation done. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Equifax is clearly violating my rights as a consumer and I want to issue resolved immediately.
Consumer complaint received 2024-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (VT)

We sold our house in XXXX  and purchased a house in XXXX  where we now live. Penny Mac was/is the lender for both. They owe us the escrow disbursements from XXXX ( screenshots below ) the XXXX  house of {$700.00}. They told us to sign up for direct deposit into our ( XXXX XXXX XXXX ) bank account that we use to pay our new mortgage online and we did. I called to verify we were signed up to receive the money and we were. They never deposited it. 

I called back Penny Mac today and their automated phone system won't let you speak to a person unless you pretend to be applying for a new loan. After 6 phone calls we finally got a person on the line. They said I had to approve the direct deposit through XXXX ( I guess XXXX is holding the money?? ) I told them to cancel the direct deposit and mail me a check. 

If I hadn't remembered this, it seems the bank and mortgage company were just going to hold my money indefinitely.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the Fair Credit Reporting Act this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (NE)

My mortgage company ( PHH mortgage ) has sent me an escrow re-calculation letter that shows an increased monthly payment that exceeds the XX/XX/12 th maximum amount they are allowed to collect for yearly totals on property taxes and hazard insurance. This amount is being called escrow shortage, and I can't get a straight answer of what exactly this is. I have never been late on any payments, and have lived here for 15 years.
Consumer complaint received 2019-10-27
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. (AR)

My husband and I purchased a truck and camper trailer from XXXX XXXX XXXX XXXX in XXXX AR. My husband was laid off work a few months later and we were unable to make the payments. The truck and camper were repossessed. On XX/XX/XXXX I called XXXX XXXX XXXX and asked if they would be willing to settle up our debt with less than full balance and report as such to the credit bureaus. They were willing to work it out with us. The same day I paid the amount we settled on with my debit card over the phone. I received the receipt and letter stating the agreement. I went to our local bank to obtain a loan in XX/XX/XXXX the debt was still showing in our credit. I spoke with XXXX XXXX XXXX at that time, they agreed to fix the problem. I found it was not correct again on my credit and filled a dispute with TransUnion. Again in XX/XX/XXXX we find the same information on our credit report. I reached out to XXXX XXXX XXXX again they said the issue had already resolved. XX/XX/XXXX issue is found again on credit report. I have spoke with XXXX XXXX XXXX, ( XXXX XXXX ) she said the issue was being resolved. XX/XX/XXXX I received a alert from XXXX  XXXX telling me I had a missed payment on my account with XXXX XXXX XXXX which is the finance Co used by XXXX XXXX XXXX they are a buy here pay here auto sales. XXXX XXXX and XXXX XXXX are both listed on my credit and only XXXX XXXX on my husbands credit. I spoke with TransUnion on XX/XX/XXXX so the issues could be disputed once again. I called XXXX XXXX XXXX on XX/XX/XXXX and was told nobody was in the office to take my call I should call back on Monday.
Consumer complaint received 2019-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

This is additional information on my complaint, basically I need fifth third to send me over all signed contracts for this alleged loan/lease, and all documentation associated with the alleged repossession of the property, I did not receive any of this documentation they are sending me statements and print outs that I dont know what I can do with that, it shows me nothing, I will show a copy of what they are sending me as proof of ownership
Consumer complaint received 2018-03-23
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. (GA)

I have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IL)

i have sent in a police report also i have disputed the accounts and ask for the company to send me information regarding the account also send me proof i signed up proof of my signture and my proof that this was me.. they sent me only a bill nothing else and my name and someone else name on the bill.as i stated to them this is not my account nor did i apply for the credit cards
Consumer complaint received 2019-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

On XX/XX/18 a door to door salespeople came to my door to sell XXXX XXXX XXXX phones and tablets and internet. I took them up on the offer before I realized that my phone number could not be transferred Over to their network. I returned the products within the 30 day time frame and they continued to send me a bill. I use d the return labels issued to me for the products and I have that they received the products from me in an email. I never used the products nor did I use their services as soon as I couldn't use my phone number. All items were returned by XX/XX/18 and I continued to receive bills even after calling them repeatedly to shut the services off and stop sending bills. I called in XXXX, XXXX and XXXX of 2018 where I was left on hold for over an hour before my phone was disconnected from the call. I have mailed the collections agency and informed them of the same and they are refusing to remove the debt.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent investigation requests to the 3 credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not. They have even ignored the follow-up letters I mailed last week.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I sent Santander a cease and desist letter on XXXX XXXX, 2024. They broke The Truth In Lending Act, The Fair Debt Collections Practice Act, and The Fair Debt Reporting Act. In addition to them violating those Acts, they also violated The Graam -Leach Bailey Act. 
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