davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX and closed.

TRANSUNION  violated federal law, by not properly investigating and reporting inaccurate information on my credit report.

These are the Violations of the Fair Credit Reporting Act.

1. Delete this account, because it shows High Balance {$18000.00} and Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as Charge Off
inXX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXX year ; XX/XX/XXXXyear ; 30 days late  XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively

as C/O reported on my credit report. 4. Delete this account, because it shows Credit Limit {
$17000.00} on a charge off close account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my TRANSUNION Credit Report and circled the
violations, TRANSUNION violated in red color.

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from Equifax, XXXX and XXXX. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2015-06-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

The Chase branch on XXXX XXXX in XXXX, Texas has closed all the drive thru windows with tellers and has reduced the staff inside to XXXX teller. This leads to a long line inside all the time and for those of us who are senior citizen depositors we are having a very difficult time with our banking services. The local manager is very nice and helpful but the district office has made these decisions and he has no control over this problem. This branch has larger deposits than the other branch which has XXXX times the staff. XXXX of the employees told me that some XXXX at the district or regional level made the decision to do this after they put in a large amount of automated equipment and to justify this decision they would force the depositors to use this equipment at this branch. The majority of depositors in this part of town are senior citizens and we have a great deal of difficulty with this and need a person to help us with our banking services, Thank you.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (FL)

I have repeated asked NelNet to provide ALL information regarding my loan via mail from its inception in 2004 through today. I want to know all payments made, fees charged, interest charged, etc in chronological order.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-09-03
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. (KY)

n accordance with the Fair Credit Reporting acXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 2022-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (FL)

On XX/XX/XXXX I was evaluating my credit report and I observed at collection that I am not responsible for. Its a medical collection from MEDICAL DATA SYSTEMS for XXXX. I have no knowledge of collection. My information is mostly like been compromised and I am a victim of idenity fraud. I am requesting that collection is removed from my credit report immediately so I can better qualify for new credit. Below is a copy of transaction from XXXX. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$200.00} {$200.00} Payment Info Original balance {$200.00} Balance {$200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX FL XXXX XXXX FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (KY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I submitted a dispute to ChexSystems a little over a month ago. I called this evening and they have no record of it. Needless to say, I am not to pleased right now. Attached is the information that they sent me and I disputed everything. Also attached is the letter that I sent out to them today with notice that I will be filing suit if the information was not removed from my report immediately.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC (MA)

FIRST, I WAS PAYING LEXINGTON LAW TO HAVE THINGS THAT WERE COURT ORDERED IN MY DIVORCE XXXX TO B OAID BY MY EX-HUSBAND THAT WERE NOT PAID AND REPORTED ON MY REPORT TO BE REEMOVED. THAT NEVER HAPPENED THEY NEVER TOOK CARE OF IT AS THEY STATED WAS DONE. 

SECOND, I WAS PAYING THEM TO NOT HAVE MY REPORT RUN EVERY MONTH TO REPAIR MY REORT NOT CONTINUOUSLY RUN IT OR ALLOW IT TO BE RUN RANDOMLY RUNNING INQUIRIES CREATED THE SCORE TO DROP. 

THIRD, WHEN I HAD A NEAR FATAL ACCIDENT AS A XXXX XXXX XXXX XXXX AND WAS SICK WITH XXXX I INFORMED ALL CREDITORS AND THE JUDGE DECLARED ME TO BE COVERD UNDER THE FEDERAL ORDER OF COVID TO BE RELIEVED OF FINANCIAL OBLIGATIONS. THIS WAS ALSO PRESENTED TO LEXINGTON LAW AS WELL AS MULTIPLE CREDITORS BY ME AND THEY WERE NOT REMOVED. I WAS DECLARD UNDER THAT DUE TO NOT BEING ABLE TO WORK FOR ALMOST A YEAR. AGAIN I WAS FEDERALLY EXCUSED BY COURT ORDER XXXX. 

LAST THERE ARE MUTIPLE ITEM AND ADRESSES THAT ARE NOT MINE AND AFTER GETTING ROBBED OF {$120.00} A MONTH BY LEXINGTON LAW AND GETTING IGNORED MULTIPLE TIMES EVEN WHEN WRITING LETTERS AND HAVING ALAWYER WHO IS NOW RETIRED WROTE A LETTER., THEY HAVE YET TO TAKE CARE OF THIS. 

I AM TRYING TO PURCHASE A HOUSE AND BUSINESS, I HAVE TO WORK NOW 80 HR WEEKS AND I AM STILL GETTING NO WHERE WITH THIS CREDIT. 

THERE ARE MUTLIPLE ITEM THAT NEED TO BE REMOVED ENTIRELY. THAT LEXINGTON LAW SHOUD BE IN A CONSUMER GROUP COMPLAINT. THEY REFUSED TO RETURN ANY MONEY AND IGNORED ANY REQUEST I MADE.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

A client of ours who is facing a sheriff sale had his loan transferred during modification review. After multiple instances of mishandling of documents the new servicer Rushmore Loan Management has sent a written notice to client saying a modification was denied without a numerical values to back up this decision. The letter also states that the loan owner can no longer be reviewed for a modification again.
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AE)

I am a soldier in the XXXX XXXX XXXX, in 2011 while I was in training at XXXX XXXX XXXX I purchased a wireless hotspot from the telephone company XXXX. After I was done with training I PCS to XXXX XXXX XXXX where XXXX did not offer the option of a hotspot so I was able to cancel my contract under that fact and also under the SCRA Act ( Servicemembers Civil Relief Act ), without the penalty of a cancellation fee. This was not done even after the fact that i had fax in all the required documents. I have tried numerous times to resolve this issue with the debt collectors but they are not willing to accept just my military contract showing that i was stationed in XXXX XXXX.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I WAS A VICTIM OF IDENTITY THEFT, AS RESULT THESE ACCOUNT APPAER IN MY REPORT AFTER SENDING BANK OF AMERICA ALL DOCUMENT THAT THESE ACCOUNT ARE NOT MINE BANK OF AMERICA # Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX Account charged off. {$13000.00} written off. {$13000.00} past due as of XXXX XXXX. 

Account name BANK OF AMERICA Account number # XXXX .... 
{$17000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX Account charged off. {$17000.00} written off. {$17000.00} past due as of XXXX XXXX
Consumer complaint received 2015-12-02
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (WI)

I purchased a Blue Bird AMerican Express card for {$20.00} from XXXX. I set up my account with them and had {$850.00} transferred from my checking account to my American Express Blue Bird card. In XX/XX/XXXX American Express put my account on hold requesting a copy of my bank statement. My husband emailed them a copy of the bank statement. American Express said they can not except my bank statement and shut my account down. They refused to give me access to my {$870.00}. I was told I had to wait until XXXX XXXX. On XXXX XXXX I could go to the State of Wisconsin and claim my " unclaimed property '' Today XXXX XXXX, 6 months later the state of Wisconsin does not have any unclaimed property in my name. I called today and was told they can not tell me when my money will go to the state of Wisconsin, but it will.
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I opened a CapitalOne XXXX XXXX in XXXX. CapitalOne claimed fraudulent activity and put a restriction on the account. Since CapitalOne did not have sense to change the account and send a replacement like other reputable credit card companies, I requested this myself. The account was changed but I never received the replacement card. CapitalOne 's " customer service '' is horrific and I wrote several letters with no response, i.e., XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I have never had a late payment and my balance was well below the credit limit when I called on XXXX/XXXX/XXXX and was transferred to the fraud department. I lost the phone connection while on a long hold with a woman claiming to be a supervisor. Thereafter, I received a call from XXXX from a monster of man who repeatedly refused to give his name. He falsely claimed I was supposed to give the source of deposits in XXXX. This is ridiculous, there were no deposits and this a credit card, not a bank account. No request for a source of any kind was ever made. This monster then said then he was closing the account and I would receive a letter with no reason given for the closing account. The letter dated the same the same day, XXXX is also nameless and does not give a specific reason for closing the account.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Account Resolution Corporation (MO)

Settled account with law office they used to service the debt discussed credit reporting with an attorney at the office, he sent me a letter stating the account would be updated as " paid in full '' they first reported that I just made a payment, so I disputed it, they then reported it as " Paid Collection '' these are two very different things, I emailed them requesting they either remove it or have it reported the way their attorney told me it would be if I settled the account, which would be " Paid in full '' not " Paid collection ''. The letter I was provided was either false and misleading or their attorney made a mistake and I would like it rectified.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (GA)

On XXXX XXXX, 2015, when I went to my credit card 's website to pay the monthly bill, on the date it was due, the website was down, and I was not able to pay my bill until the next day. This made my payment XXXX day late. 
The credit card company then added a late fee to my XXXX bill. 
In XXXX, I payed the monthly bill on time, paying the minimum amount that would have been due without the late fee, because I believed that the company should not have charged a late fee, when their website had been down at the time that I tried to pay my bill in XXXX. I expected the credit card company to have realized that their website was down, and to drop the late fee. 
Now, the credit card company is claiming that my XXXX payment is past due, because the wrongly assessed late fee is past due. And they are adding XXXX late fees to my XXXX bill. 
My complaint is Twofold : A ) The credit card company charged me a late fee for a bill that I was unable to pay on the due date because their website was down ; B The credit card company is charging me a late fee on a late fee, when I paid the regular minimum amount due on time in XXXX, 2015.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (OH)

As of XX/XX/2024 Card Company known as XXXX XXXX has migrated to a new bank. I do NOT wish to pay the outrageous interest of nearly 40 % PLUS a XXXX $ per month fee. This is absolutely wrong. I asked to close my account therefore making my card unusable and they tell me I still have to pay the fee until I close the card and have XXXX balance. How can they force me to pay additional fees for card services when I can't even use the card. They continue to change terms by increasing my interest and charging me fees and changing banks. I don't agree with the fees. I am trapped into an account that increases fees and I can't pay off. Keeping in a cycle of never ending fees making it impossible to pay off.
Consumer complaint received 2015-10-10
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TekCollect Inc. (NE)

TekCollect of XXXX XXXX. XXXX XXXX, XXXX, OH XXXX, has sentme XXXX collection letters without a legal judgement. Originaldebtor is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. FTC # XXXX ( G ) requires a legal judgement before they can harass me for a debt.
Consumer complaint received 2015-06-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

i received a call from a lady named XXXX with the phone number XXXX XXXX XXXX XXXX and shed said they were issuing a subpoena for court to be sued. She then directed me to call XXXX XXXX XXXX to see the reason why i was being sued. XXXX then asked for the number XXXX gave me which was XXXX XXXX XXXX so i gave that to her and she came back to me with the reason i was being sued was for a debt with HSBC which was a credit card debt that was back in XXXX they have called me XXXX times threatening on this matter. telling me that the debt will XXXX if they have to take me to court and trying to force me to pay the {$1400.00} something that i owe. my dad private attroney said to file a complaint
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

My mortgage was being serviced by GreenTree. I am trying to sell my property, so I requested a payoff, due to the fact I was doing a short payoff with my Second Mortgage because my XXXX was more than my First mortgage. On XXXX/XXXX/2015 my last statement with GreenTree stated that my amount balance was XXXX, the past due amount was {$7800.00}. I sent a check for that amount to GreenTree. A few weeks later I received a letter stating that GreenTree was now Ditech, and my check was returned. I requested a payoff letter because my home is in contract for sale. 
The title company has requested the payoff on XXXX/XXXX/2015, I also called and requested the payoff as well on XXXX/XXXX/2015. Ditech, still has not send the payoff. I have tried reaching out to Ditech XXXX times and was on HOLD for over XXXX minutes each time someone picks up and they immediately put me on hold. The title company is having the same issues, and they are very unresponsive and careless ... I have was refused to speak with a manager on XXXX occasions. I feel powerless. I need your help to obtain a payoff since I have a closing date deadline and I am afraid that I will lose this buyer, since I am in default of my mortgage and wants to sell before they foreclose.