davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (FL)

This is in response to prior claims that have been submitted and closed due to the response of the creditor. Claim file numbers are  XXXX  and  XXXX .  <P/> The foreclosure sale has been process my motion to dismissed was denied as expected, to think that the judge would listen to my case and my concerns was foolish. However I received this letter that I have attached from Citimortgage and have followed up on this I have not heard back. I want to the outcome and has this request has been processed and I am entitle to this refund. As their claim is that I did not make any payments while my file was in foreclosure but checks were processed cashed.  <P/> Please advise, thank you.
Consumer complaint received 2022-03-03
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. (MI)

TransUnion continues to house invalid and damaging information. TransUnion has repeatedly ignored my request to remove fraudulent invalidated accounts, inquiries and personal information. TransUnion has continued to undermine federal regulations and validation requirements. FTC report number has been given and report copy has been sent in. TransUnion has a right to the American people to report fair and accurately only. They have failed to honor their obligation and only hangs up in my face when I finally get a representative on the phone. Ive exhausted every avenue of communication I have and allowed them multiple opportunities to cure. Legal lawsuits will be filed for defamation and conspiracy if this information is continued to be shared illegally. Reinvestigation and validation pursuant FCRA is demanded!
Consumer complaint received 2017-10-16
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Texas Guaranteed (TX)

Company is reporting a debt on my credit report, a letter was sent certified mail demanding proof of debt. However the certified letter was returned to sender, the address the company is reporting to the credit bureau is inaccurate. 
Letters were sent certified mail on XXXX/XXXX/XXXX Letters sent to credit bureau on XXXX/XXXX/XXXX informing them of the inaccuracies
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Diversified Adjustment Service, Inc. (ID)

Called cell phone XXXX. When asked who they were or who they were with would not respond only asking who i was. Called from number with unknown name. After hanging up called my work they were asked again who they were and would not respond. Asked not to call back. They called back asking to speak with owner of the company. Again they were notified that they were herassing and to not call back. They called again from different number on cell phone again not specifing who the were. Upon returning the numbers on the caller identification, both numbers came from Diversified Adjustment Services. Women calling was very pushy and not understanding that she was calling a place of business and if she did understand did not care. The phone numbers that had came through at the time were XXXX and XXXX
Consumer complaint received 2016-05-14
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC (IL)

them. I also want to have this so called lawyers office stop contacting me for good and to back office and I will let centennial finance know what I want and that is I want to have about two months to get the full amount of what is owed and that I will pay the amount in one payment but I want them to take me office of all XXXX credit reports and to put me in good standing and to give me a new card with a new deal because I did not receive a lot of statements at all.This is what I want and feel is a gooway for both sides to be happy.
Consumer complaint received 2017-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

Dear Sirs, On XXXX XXXX 2017, I sold a XXXX to XXXX XXXX. XXXX XXXX paid via her business account XXXX XXXX XXXX XXXX XXXX, XXXX. <P/>XXXX XXXX then sent me several harassing e-mails advising she was having problems with the phone and was refunded {$75.00} on XXXX XXXX, 2017. <P/><P/>She sent the following e-mail : From : XXXX To : XXXX Sent : XX/XX/XXXX17 XXXX XXXX, I will return the phone back to you in it 's original packing on tomorrow. <P/>Thank you for the FULL refund. <P/>In the future, you should advertise the phone with pictures of the screen on. You never showed photos of the XXXX screen turned on which made me realized that you probably was not the original owner,, I will send you the tracking information asap! <P/>I waited and contacted XXXX on XXXX XXXX 2017, and they advised XXXX XXXX has stated she is keeping the refund and the phone and that I needed to contact Paypal as this is fraud. <P/>I then filed a criminal fraud report with the XXXX Police Department Case # XXXX, they can be reached at XXXX Police Records. <P/>At this point, I have been contact with Paypal on 5 separate occasions, and they have refused to issue any refund.
Consumer complaint received 2017-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

Debit card compromised and unauthorized ATM pin transactions were made starting onXX/XX/XXXX. We were notified onXX/XX/XXXX of a suspicious transaction and I called the same day to report the fraud. US Bank paperwork received and returned onXX/XX/XXXX. Called US Bank onXX/XX/XXXX to follow up and was told the " claim was denied '' because they " had me on camera '', which is false. This is {$2400.00} of MY MONEY that the bank in my opinion has stolen. <P/>Invalid transactions were :XX/XX/XXXX XXXX ( my branch ) {$500.00}XX/XX/XXXX XXXX ( my branch ) {$500.00}XX/XX/XXXX XXXX XXXX ( never been to this branch ) {$480.00}XX/XX/XXXX XXXX XXXX ( never been to this branch ) {$500.00}XX/XX/XXXXXXXX XXXX ( see above ) {$500.00} For the record TWO different US Bank cards ( a XXXX and a debit card ) were compromised within a week of each other. The two cards ARE NEVER used in the same places. In my opinion, this is an " inside job '' and US Bank is involved in the theft.
Consumer complaint received 2018-05-29
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: Experian Information Solutions Inc. (NJ)

I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AZ)

I have been contacted by this company twice. They claim to be doing business for a XXXX bill they say I owe. However I have contacted XXXX and have spoken with a XXXX who is a supervisor. He assured me that I will be handling this with them. The total isnt correct. Everything is off. The social on the account doesnt even come back as mine. XXXX has told me to stop all communication with this company as I will be handling it with them. It is now on my credit report by this company and they have no right to report it. I WANT IT OFF and want ALL communication to STOP!!
Consumer complaint received 2017-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am currently on the PAYE ( Pay as you Earn ) Plan through FedLoan Servicing ( PHEAA ). I was emailed information to recertify my plan and began the steps to do that. A few days after submitting my materials, I received an email that my application was incomplete ( received email on XXXX ). That same day I received an email that I had a direct debit payment of almost twice my normal payment scheduled to come out on XXXX. I immediately went to the website to see what was going on. On my main page it was listed that my payment due on XXXX was {$0.00}, but that a direct debit for {$180.00} was scheduled to be taken out. I had never scheduled more than {$100.00}. As I was on the website, I kept running into errors and it kept booting me off. I went through my paperless inbox, where I received yet again DIFFERENT information ( that a payment of {$160.00} would be taken out on XXXX/XXXX/17 ). I called up the customer service hotline and spoke with a representative that same day because I was getting frustrated and worried about the security of my information on their website. The customer service representative tried to be helpful and recommended we suspend the next direct debit, even though she believed it was just a technical glitch on the website and that money would not be withdrawn from my account. She told me that they were having a lot of technical issues on their website and did n't know what else to do, she was sorry for the inconvenience, etc, but that they had a lot of problems. She also reassured me that my application for recertification was complete. At the end of our conversation she assured me I would receive an email specifying that my direct debit suspension had gone through within 2 days, and another email that my recertification was processed before the XXXX. Today ( XXXX ) I had still not received confirmation and so I went onto the website yet again. This time, I was slated to have a {$100.00} direct debit on XXXX. Yet again, while trying to navigate their portal, I encountered several errors and was booted 4 times within 15 minutes. I was finally able to cancel the direct debit through the site and received an email seconds later confirming.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

A collection agency XXXX XXXX XXXX XXXX in XXXX, Colorado XXXX is incorrectly reporting to credit agencies that an item is in collection. That item was incorrectly reported and they said they were going to delete that information from my credit report. I have a letter dated XXXX XXXX from the collection agency indicating they were going to do so, but as of XXXX XXXX, XXXX, despite my repeated phone calls with them they still have not deleted the item so it is showing up as negative. They were also never able to provide me with a copy of any outstanding invoices to substantiate their claim, which was false anyway. There were rude and not cooperative.
Consumer complaint received 2022-09-07
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. (IN)

The Credit bureaus stated that account XXXX  # XXXX was properly investigated, but how is that possible if the monthly payment is inaccurate, Date Opened is inaccurate, Balance is inaccurate, late payments are inaccurate, High Credit is inaccurate, Last Reported is inaccurate, Date of Last Payment is inaccurate. 

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 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 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/24 Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX  Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Transunion to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Transunion any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the XXXX closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Transunion is violating the united states codes and should delete these items off of my consumer report or face legal action.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

To whom it may concern The following are listed on my credit report and I have never got a 1. Original Contract.

2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance XXXX XXXX XXXX {$150.00} XXXX XXXX  {$810.00} CONVERGENT OUTSOURCI {$620.00}
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. 
Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX. Account number : XXXX, XXXXXXXX XXXX XXXXXXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OH)

Recently, I have checked my credit report and found XXXX negative items in relation to a 1 year lease with the XXXX XXXX. There are XXXX amounts of {$3500.00} and {$4400.00} in collection with the XXXX XXXX XXXX. I fulfilled all my lease obligations with the XXXX. My monthly rent was {$980.00}. The same building complex was hit with XXXX Code violations by the City of XXXX in 2011. By the way, they have changed their name to Sphere now. The building is still violating housing rules and regulations. I want these items removed from my credit report. I do n't owe them, and they have not returned my security deposit.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MD)

As a consumer my right to privacy has been violated. The last collection notice was dated XX/XX/XXXX and obtained by me from a false address on XX/XX/XXXX in the amount of {$2600.00}. 
The company National Credit Adjusters has listed this on my credit report causing injury, damages, mental anguish, and losses due to identity theft. On XX/XX/XXXX I have issued an Affidavit of Truth with exhibits, Debt Validation Letter and Cease and Desist.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Savings account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (NY)

In trying to resolve another incident, whereby Navy Federal Credit Union told me they would make a soft inquiry on my credit report and then instead made a hard inquiry, Navy Federal Credit Union emailed me a copy of XXXX XXXX XXXX 's XXXX card number. 

The unauthorized use of my credit report is captured in CFPB incident : XXXX. 

I 'm creating this incident to reflect that XXXX sent me someone else 's credit card information.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times in the past this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Consumer complaint received 2017-06-04
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)

My name is  XXXX   XXXX  I have been a victim of identity theft. I have sent a my identity theft report along with a police report to the credit bureaus on  XXXX  2017 an d I have no problem with  XXXX  but transunion did not honor it. I know transnion is suppose to send a code and the creditor is suppose to agree to that code. These accounts federal loan servicing are all reporting from a fraudulent account in  XXXX  Ga. I stay in  XXXX  and have stayed there all my life. Transunion has my report and they have a police report and they are breaking federal law by not deleting the known fraudulent accounts not to mention they acknowledge the account is fraudulent and they acknowledge having my police report.
Consumer complaint received 2017-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (VA)

Ladies and Gentleme n : Caliber Home Loan s is a mortgage company in  XXXX   (   XXXX   ),  TX, and in California.     They programmed their mortgage application   XXXX   to back off and not send out the required consumer notices onc e Caliber h as the  XXXX  points of data from the consumer who is applying for a new loan. They are very pleased they have found programmers who will do this for them.     Regards,
Consumer complaint received 2017-06-04
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: Perfection Collection (TN)

After 3 years of having and paying on time my account is fine and paid by bank draft. The salesman forged my name on a lady I referred to them contract and was confirmed by  5 emp loyees at the company. It was sold to perfection collection and they will not accept my explanation. Was told by  XXXX   XXXX  at perfection collection that if I had the company call and confirm this he would remove me from collection. The security company removed my name from contract and we called on  a 3 w ay phone call with a security representative the employee at perfection said they bought the account and would need more and that I should file a forgery report with local police. The security company representative asked if he would send a letter stating that would say what he had just discussed with us and get my name off the collection report. Perfection collection employee took my email information and hung up on m y 3  way call. I still do n't have the email and do n't think they will My name is  XXXX   XXXX  and security company is   XXXX   and   XXXX   employee that was on the  3  way cal trying to help me was  XXXX .  XXXX  has acknowledged the forgery b y 5 differ ent employees. I feel they will handle the salesperson for the forgery and appreciate there willingness to help get this cleared from my record Perfection Collection will not listen to me or  XXXX  and do n't do what they tell you to do.
Consumer complaint received 2017-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc. (FL)

Representative called and the first thing I heard was that the call was being recorded and them asking to speak with my husband. When I notified them that they were calling his wife 's phone, they asked me for his social security number to verify who they were speaking with. I informed them I do not give out our information and they asked me to have him call, and tried to hang up without providing any information. They never announced the name of their company when I answered the phone, and when I asked for the name of the company, they provided it, and quickly hung up the phone without giving me a phone number. I reverse XXXX the number of XXXX from my caller ID to get their info.