davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

On XXXX XXXX, XXXX I needed another copy of my Social Security Card. I am attaching a file I wrote previously. I am so angry I do n't believe I can type it all again. When I realized they wanted my drivers license, insurance card, etc actually mailed in AFTER I HAD PAID THEM ... no way was I sending them off to someone. I called and CANCELED MY ORDER. XXXX with XXXX said I could only get half back! That is why I called Netspend to cancel my card and file a dispute as they already had my money! The Netspend Customer Rep REFUSED to cancel but said he would file a dispute ( that he DID NOT FILE! ) but he said he " WANTED TO PUT MY MONEY BACK TO SEE IF THEY WOULD TAKE IT AGAIN!! '' I told him I wanted my card CANCELLED!!! He still refused! I am trying to live on {$730.00} a month which is impossible!!!! He did not follow company guidelines for such things. Each time they sent me an email and said if I wanted my documents in reference to this issue to message them back. I get another email repeating the same thing. Today I got a letter which I will also attach! I am now unable to access my account! The past three times I have tried to log-in, my password does n't work. I reset the password and get into my account and I am literally KNOCKED OUT of it!! Try again and my password does n't work again!!! This is more than ridiculous!!! I 'm madder than anyone can imagine!!! My SSN was stolen originally by my ex-husband. I made a huge, stupid mistake because I have a difficult time going anywhere and no, I am totally alone and do NOT have anyone to help me. More criminals have my SOCIAL SECURITY NUMBER AND OTHER INFORMATION, THE ENTIRE {$37.00}, OF WHICH THEY NEVER REFUNDED HALF OF AS THEY CLAIMED, NOR DID I EVER RECEIVE ANYTHING! As for the one email I was able to take pictures of, Netspend claims their rep verified the purchase with the company??? If it was n't a scam then, where in the XXXX is at least 1/2 of my money? Or, where is my SS Card? Why am I bring locked out and knocked out of my account since I sent them my reply to their email? I do n't have enough time to transfer my Direct Deposit to another card! The way they are behaving suddenly, and it is NOT a coincidence, no way in XXXX, I 'm afraid they will keep my Direct Deposit. I have never seen anything like this before but nothing surprises me anymore either.
Consumer complaint received 2022-03-10
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I AM XXXX XXXX AND I'M SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS NOT TO VALIDATE THESE ACCOUNTS, IT IS REQUEST THE METHOD USED TO VALIDATE THESE ACCOUNT, WHICH IS MY RIGHT PURSUANT TO 15 USC 1681i ( 7 ). I UNDERSTAND THESE ACCOUNTS INCLUDE STUDENT LOANS, PURSUANT TO 15 USC 1681B ( A ) ( 2 ), I DID PROVIDE YOU PRIOR CONSENT NOR IS THERE ANY PERMISSIBLE PURPOSE TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT. THIS IS A VIOLATION OF MY CONSUMER RIGHTS LEAVING YOU LIABLE CIVILLY/CRIMINALLY PURSUANT TO 15 USC 1611 AND 15 USC 1640. I ALSO UNDERSTAND THAT THERE ARE ACCOUNTS SHARED FROM MEDICAL PROVIDERS. PURSUANT TO 15 USC 1681A ( 3 ) ( A ) ( B ) ( C ), THE SHARING OF MEDICAL INFORMATION AND PAYMENT TRANSACTIONS FOR MEDICAL SERVICES ARE A VIOLATION OF MY CONSUMER RIGHTS.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MN)

MR XXXX XXXX brother brother dont play your XXXX little games with me brother you know that youre in full violation of the FDCPA the law REQ you to enter the next companies information on the credit report you have failed to do your job and most importantly youre violation a federal law. I really dont care where the debt is at this point after doing my own investigates I found that you violated a federal law and you have to remove it I know you keep saying you wont remove it and Im telling you that you have to due to the violation and brother brother I wont stop until you do remove it because I can legally take legal action if you dont so cut the youre rift raft out and remove the tradeline today. 
XXXX Experian XXXX I Delete this tradeline due to the fact that XXXX is has violated FDCPA for failure to not the account as transferred sold and or place also this is a FCRA violation as well remove the account immediately and send me a updated credit report showing the changes thank you!
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NJ)

Earlier this year I discovered that my electric energy supplier had been switched without my knowledge or consent. I immediately contacted my desired supplier and my supplier was switched back at the conclusion of the next billing cycle. 

Shortly thereafter, I received a bill from XXXX XXXX ( " XXXX '' ) for {$99.00} representing an early termination fee. I contacted them, told them I never approved a change and asked them to cancel the invoice. They refused and referred the invoice to Transworld Systems , Inc. ( " TWI '' ) for collection. I advised TWI of all above facts. On XX/XX/17, TWI supplied me with what they referred to as material they received from XXXX. Such material consisted solely of a copy of XXXX 's invoice. This hardly supports their contention that a contractual agreement existed. 

By letter dated XX/XX/17, TWI also asserts their right to charge accrued interest and " other charges as provided in your agreement with the original creditor or otherwise provided by state law '' This appalls and frustrates me since there is not nor ever was a contract.
Consumer complaint received 2022-09-08
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. (MN)

I have submitted these 3 complaints to you guys : XXXX, XXXX, & XXXX they can be referenced for more information but they have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA in addition it has been 30 days.
Consumer complaint received 2017-10-23
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. (TN)

In the summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted my TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to my report. This computer glitch was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. All dates are listed below. These inquiries add a hardship and my rights were violated by TransUnion. Please make TransUnion stop victimizing me for their mistake. As a resolution, I request that all TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (NY)

I sent letters out to Experian & XXXX on XX/XX/2023 to Investigate every piece of information on the accounts I have listed below.Also I have attached the letters I sent out and the tracking numbers as well for those letters According to the FRCA The term " invertigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. these accounts are inaccurate and according to the FRCA 15 USC 1681 everthing has to be 100 % Accurate. 

Experian Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Accounts : XXXX  XXXX XXXX, XXXX XXXX Experian letter Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX letter Tracking Number : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I have a collection from an apartment complex on my credit report that i never stayed a day in. I had filled out an application for a lease but had never moved in to the apartment. Due to complexities with my family I was unable to move in. I've tried communicating with the complex and the company but i never signed a lease. They had it rented out shortly after i moved in and now the collection company is trying to collect for something that doesn't belong to me. Please assist me in getting this removed.
Consumer complaint received 2017-10-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Trust Management LLC (CA)

recieved a voice mail around XXXX am XXXX/XXXX/XXXX Some lady said i had been issued a claim by a office booked agsist me. 
She just gave me here name that she had paper work for me to sign and she would come to my home for my signatjres. 
Let the same voicemail to my spouses phone about this. 
The end of the voicemail she gave me a XXXX area code saying to reach the booking party personally for more unforamtion on the legal actions being made. 
I called back twice before XXXX and lady answered ask my purpose told lady i was told to call for mor info. 
She asked my name then to verify my D.O.B. 
From there said the loan company name is pressing a summons for what i owed. After she said i can either make some payment o r proceed to that action. After i told her i wan na speak with my lawyer for how her approach was made
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

On or about XX/XX/2019, I contacted Experian through the automated system in which they have. The system provided me a confirmation number and informed me that my credit report would be sent to me. Note that at the same time, I requested a report from both XXXX and XXXX, both reports have already been received. 

Obviously, Experian is slow and dysfunctional.
Consumer complaint received 2016-03-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Southwest Credit Systems, L.P. (DC)

I recently discovered on my credit report, XXXX collections accounts from Southwest Credit and XXXX ( XXXX ) regarding a XXXX XXXX debt. I do not owe XXXX XXXX anything and would like to dispute both accounts in the amounts of {$400.00} and then {$250.00} both of which again, are regarding XXXX XXXX. I spoke with a XXXX Representative about the said amounts XXXX of which they verified in the amount of {$250.00}. The amount of {$400.00} they stated they were unaware of. I was told that I once I returned equipment boxes and XXXX remotes, the charge would drop off. I returned the equipment and am still seeing the fee of {$250.00}. Additionally, the charge of {$400.00} is still sitting on my credit report and both charges have been sold separately to XXXX separate collections entities. 

This complaint is not regarding a loan, but rather a inaccurate collections debt. I did not see this type of complaint available under the section entitled, " which of these best describes your issue '' so I selected one of the options in order to move to the next phase of reporting this inaccurate charge.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

My mortgage loan was acquired by Green Tree from XXXX, XXXX. I have made my payments during my 20 year, fixed-rate mortgage. Now that my mortgage is paid in full, after paying my regular monthly payments as provided for in my statements, Green Tree has sent me a statement indicating there is an additional {$11000.00} due. I believe their records are incorrect and dispute this amount. 

I have tried to get information from my account representative multiple times during the XXXX week of XXXX. However, she has not given me the information I have requested. I even faxed copies of my records to her, and she has not responded.
Consumer complaint received 2017-06-30
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: Experian Information Solutions Inc. (AZ)

this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. XXXX bought loan XXXX 2016. also, there was a three month payment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.
Consumer complaint received 2017-06-30
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. (TX)

For the last 6 years I have been living in XXXX XXXX XXXX , XXXX XXXX and prior to that I was in XXXX XXXX XXXX, XXXX in XXXX XXXX with the XXXX XXXX XXXX. Any residences shown during this time that are NOT my address and are false. Prior to that I live in XXXX apartments. TransUnion Reports my previous addresses as XXXX XXXX apartment which at the time I was in XXXX XXXX XXXX, XXXX for military training. I have send them documents as the police report, which states that my green card, my DL, among other documents were stolen and they refuse to take this off from my credit. I will attached the response TransUnion send me. I have never live on those addresses. some of those are just copies from an actual address but do not exist in the map. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TranUnion also reports my name as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have a legal name and all of those extra names are causing me problems with the XXXX and the XXXX I work with because they are connected to collection accounts they are not mine. <P/>They also report phone numbers that are consistent with information that is not mine. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX. <P/>I have send many documents that support my statement, they REFUSE to take off what is NOT accurate and keep false information on my credit report. If need it I am willing to send any other documents they need from me. I have try for many years and ways to fix this problem but they do not care and in many occasions have said and I quote, you can report us to whom ever we are going to do as we have. I understand this company is bureaucracy but I am individual who is trying to is working with the government and hospital to were our credit report matters to change XXXX and to move higher in the XXXX XXXX. I am currently XXXX XXXX to finish my XXXX degree and I would like to continue in the XXXX and serve this country as this country serve me and my family but this company has not been of any help and has refuse to fix a major problem. I will like all of those names, addresses and the XXXX XXXX XXXX collection to be taking off my credit.
Consumer complaint received 2017-06-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (FL)

To whom it may concern, I 'm having a problem resolving loan payments to Great Lakes Educational Loan Services Inc. As of XXXX of this year, I had spoken with a representative grom Great Lakes in order to reduce my monthy payments. I am out of the country XXXX XXXX XXXX in XXXX and my income has been cut severely then what I make back home in Florida. I spoke with a representative I believe on XX/XX/XXXX or maybe the last week of XXXX right before I departed in order to make a financial agreement to at least pay something on my loans. To my knowledge and my bank statements from XXXX to XXXX, we had agreed on a {$20.00} payment covering both my loans until XXXX when I return. On XX/XX/XXXX the payments were correctly deducted and likewise on XX/XX/XXXX. As of XX/XX/XXXX, I noticed a {$250.00} deduction from my checking account from Great Lakes therefore, putting my bank account in an overdrawn state. I was then charged an additional {$35.00} a day until I could conveniently contact my friend in Florida to deposit a significant amount of money in my account. I have filed a complaint with the loan service as they have told me the only thing that I can do is fill out a income-driven repayment plan application. In doing so, the only result I get back from their website is for a forbearance plan in which case my account already states I am in until XX/XX/XXXX. This is where my confusion sets in. If I am already in forbearance yet still making {$20.00} payments it seems a little hypocritical to me. I have no problem making the {$20.00} a month payments which we had agreed upon before I left but, why the {$250.00} deduction? I have limited access to contacting the company unfortunately as my phone was shut off before arrival in XXXX, XXXX. The Great Lakes Ombudsman office has transferred my complaint to XXXX and I have not gotten an email back in 3 days. I am contacting your bureau in relief that I will be reimbursed my lost funds due to either negligence from Great Lakes or misinformation given to myself from them. I have pictures of bank statements online showing the {$20.00} deductions from XXXX and XXXX on top of the {$250.00} deduction from XX/XX/XXXX ( with the additional {$70.00} in overdraft fees ).
Consumer complaint received 2017-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC. (FL)

On XXXX/XXXX/2017 I initiated an international wire transfer from SunTrust Bank with all of the correct information needed. By XXXX/XXXX/2017 the funds had not arrived at the beneficiary bank. On XXXX/XXXX/2017 I requested that the bank trace the funds. On XXXX/XXXX/2017 I called the bank to obtain information on the wire transfer trace and the bank had little information to confirm the transaction and could not confirm that the funds were received.I asked numerous times to speak to a supervisor and the bank refused my requested. I asked that the issue be raised to a higher authority and again my request we denied. I went to a branch office to try to resolve my issue and was again met with nobody who could help me. I have been waiting for confirmation of where the Wire Transfer is, when it was sent, when it was received and even the wire operations office refuses to provide me with information. As of today its been 18 days and SunTrust Bank is unable to confirm anything.
Consumer complaint received 2017-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NV)

I HAVE SUBMITTED TO XXXX XXXX XXXX MY HOME DEPOT CREDIT CARD DUE TO THE FACT THAT I AM IN A FINANCIAL HARDSHIP OVER TWO MONTHS AGO. CITIGROUP XXXX XXXX XXXX ) HAS CONTINOUSLY CALLED ME ABOUT MY HOME DEPOT ACCOUNT. I HAVE SPOKE TO CITIGROUP ON THE PHONE AT LEAST 4 TIMES THAT I HAVE XXXX XXXX XXXX AND THEY STILL CALL ME.
Consumer complaint received 2020-10-08
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. (NV)

These are not my accounts. This is the 2nd request. Please remove them as they are not my accounts listed on my credit report. I have attached my personal documents to depict my personal information. I am not a credit repair company either.