davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX XXXX I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation. 
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Equifax is in violation of multiple laws set forth by Congress regarding the following accounts shown below. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( financial institutions ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( 1 ) ( A ) states that A person ( financial institutions ) shall not furnish any information relating to a consumer ( Me ) to any consumer reporting agency ( Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. Financial Institutions can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The IRS Clearly says a Cancelled debt or charge off is income. The reporting of these accounts as debt is inaccurate. I never received a 1099-C from these Financial institutions for the cancelled debt of these accounts in order to file as ordinary income. Where is my 1099-C as required by the IRS. This is unsatisfactory. These financial institutions terms and conditions, they agreed not to share my information with non-affiliates. Pursuant to 15 USC 1681b Equifax need my written consent to furnish any information, which I never give them authorization to do so. Pursuant to federal law this is considered identity theft.

Pursuant to 15 U.S. Code 1681 ( a ) Accuracy and Fairness of credit reporting. These pictures show the inaccurate and unfair credit reporting methods which Equifax is using to undermine my general reputation as a consumer.

Pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) Exclusions The term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Pursuant to 15 U.S. Code 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation. 

Below you can see proof of my complaint. Please promptly delete these accounts. 

XXXX XXXX : Account XXXX XXXX : Account XXXX XXXX : Account XXXX XXXX : Account XXXX
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX  / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2019-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I believe my information was stolen because of a breach from my mortgage company system, in which 2 individuals used the mortgage company had my social security, loan number, total amount of my escrow balance, and total balance of the loan.I was forced to pay XXXX using 3 debit cards to make the payment, because of a threat of foreclosure if my escrow balance was not paid within a certain date. The date was XX/XX/2018, which i made, and that my mortgage payment would be adjusted for 3 months for XXXX trial period.I reported this to the local authorities, in which they said not to respond to there phone calls. Reported this to my mortgage company and sent me paper work to fill out in which it requires a police or federal report number and or an affidavit. Since I have reported this fraud, my loan is being transferred to another mortgage company, probably to avoid bad publicity and they want to foreclose on property because of their bad security of their network. I feel I am being bullied and discriminated against..Since this happen, I have seen some comments on scams that other people have encountered with these same individuals using XXXX XXXX, XXXX XXXX and a few other Companies. These individuals must be stopped and made examples of ....
Consumer complaint received 2022-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

My name is XXXX XXXX, today is XXXX XXXX and today I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC. (MI)

On XX/XX/XXXX I was notified that there was an issue with my escrow account. My paperwork was not completed to receive my XXXX Tax Credit on my Summer XXXX taxes causing my Summer Taxes to go up {$1900.00} and my mortgage payment to go up {$500.00} per month. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the about how to fix this situation. I was told what paperwork was needed to prove residency and reinstate the tax credit. A hearing was set for XX/XX/XXXX. The township ruled in my favor and sent me documentation to send to my lender to have my escrow and mortgage adjusted. I sent this document to Summit Funding in XXXX but my account was not corrected. I have not been able to get in touch with anyone at the company. I have uploaded the documents to Customer Care and to my own account on the portal several times. I have called Customer Care on XXXX occasions and was on the phone for over an hour each time being sent back and forth from Customer Care to the tax department, each time being told ny issue would be escalated. I finally reached someone at the corporate office who took down my information and said that they would get back to me on XX/XX/XXXX. I have yet to get a call back. I am at a loss as to what to do. My payment is now showing that it is 2 months delinquent and my credit score has dropped tremendously.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (NE)

my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies. 
I called XXXX today, and explained this and will forward add'l documentation to them. I understand the the current owner is Pinnacle Credit Services , LLC ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services (MD)

I was contacted by XXXX at Integrated Svs. regarding a complaint that had been red flagged for fraud. When I returned XXXX called he indicated that the issue for my dad ( Sr. ), they were n't able to give me information without him.I called the company back on three way with my dad. The customer service reps attempts to verify the last four digits of a SSN. It is not my dad 's number, so he says no. The CSR proceeds to provide DOB that is my brother 's. My dad says no and then the CSR starts yell and say that he is lying and he knows it 's him. I try to interject and let him know he had the wrong person. He told me I needed to shut up and listen. He threatened legal action and mentioned some other judgement. He 's still yelling and I 'm trying to out yell him to let him know he has the wrong person. He continues to spew insults saying that " the whole family has issues paying bill ''. I told him he has a problem and he proceeded to say " I do n't have a problem, I go to work everyday and pay my bills ''. So many other things were said by XXXX that seemed totally inappropriate and harassing.
Consumer complaint received 2015-09-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO. (OH)

I was sued by Providian National. I do not know when. I talked to XXXX about this, they collected the debt. Providian says we opened a account in XX/XX/XXXX. We were in a repayment bankruptcy. We do not use credit cards. They said they tried to notify us but they were always behind on the address, although I was employed and the address was available. The case number is XXXX. Social is XXXX. They got a judgement for {$2400.00}. We did not know until they garnished his paycheck in XX/XX/XXXX. I do not believe I owed them anything and if I did, why would they wait ten years to collect. Just so the interest was XXXX XXXX dollars higher.
Consumer complaint received 2015-06-04
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

I recently paid off a Citi card in full before it reached my credit report. When I paid it in XXXX of 2013 it was explained to me that it would not report on my credit report. I recently had my credit report pulled for personal reasons and saw they did report it after it was paid. I would like them to consider removing it off of my credit reports.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

I just today received a notification from PNC that my account was overdrawn, that they had " paid a transaction for me '' even though it was overdrawn, and now it has a negative balance and a fee tacked on for insufficient funds. I called and they told me that it was overdrawn due to the monthly service charge. They sent this notification through the mail, although statements are sent to my email address, and they have my phone number - which has not changed since 2002. The slow notification process is obviously purposeful. 
I told the person I wanted to close the account I have had for nearly 20 years. She said she could not close a negative balance, so tried to remove the fees ( which would leave me with a positive balance ) but could not do so. 
She said that someone higher up would call, but they have not, as we approach the end of business on a Friday. 
This is obviously designed this way. I can not get to the physical branch to resolve this, and they will continue to rack up fees, while telling me that they can not close the account because of the negative balance those fees have produced. 
I need help with this, as my bank simply wants to increase the negative balance, not help me close the account.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The accounts that are in question are ( XXXX XXXX XXXX ) XXXX XXXX ( XXXX ), these accouts were closed and were charged off as XXXX/XXXX/2009 and the staute of reporting these negitive accounts has expired but they remain on my report. 
I have asked that these accounts be removed.
Consumer complaint received 2022-02-07
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. (TX)

I sent a letter via certified mail delivered on XX/XX/XXXX to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. I sent a letter via certified mail on XX/XX/XXXX asking for Transunion to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There was no response, and not note that it was disputed on my credit report as of XX/XX/XXXX when I sent another letter requesting the account be deleted. I got a letter sent XX/XX/XXXX stating that the account was verified as accurate. It has now been well over 120 days since I initiated contact with XXXX, and over 100 days since I initially contacted Transunion. I do not believe that an investigation was done at all.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX / XXXX / 2009 . I have disputed the issue with credit bureau to determine with account on my credit report is orginal or duplicated.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (NY)

On XX/XX/XXXX, I opened Key XXXX XXXX  account # XXXX. KeyBank was offering a bonus of {$200.00} when you open a new eligible XXXX account and complete the following requirements : Use offer code XXXX Receive a single direct deposit of $ XXXX On XX/XX/XXXX, I received a qualifying direct deposit from my employer. 

In early XXXX, I reached out via online chat and I was informed that I would need to wait 90 days for the bonus to post. 

On XX/XX/XXXX, I reached out again via chat because the bonus did not post in XXXX as promised. I spoke with XXXX who offered to put in a request to the back office, but I never heard from the company after that. 


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Consumer complaint received 2022-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NV)

I filed an application for the XXXX XXXX to Repayment program in XXXX to seek loan forgiveness for the loans I accrued while at XXXX XXXX when owned by XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX my application was denied without adequate consideration and explanation. Our case with XXXX has been reopened ( loans are still in administrative forbearance ) due to a court ruling, to my understanding. My complaint is that I've been waiting far too long for a proper decision about my XXXX application and there has been no communication from the Department of Education about what is going on.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MD)

Currently, I have a credit monitoring service courtesy of the recent OPM hack. After receiving some alerts, I perused my file and notice an inquiry from a company called XXXX, XXXX, in XXXX XXXX, 2015. I do n't know who this company is or how this company received approval to review my credit report. I want this inquiry removed from my file. I have not followed up with the credit bureau reporting this information ( EQUIFAX ).
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

The account was not validated and removed from XXXX, Equifax and XXXX now the credit has sold the debt to a different agency and placed back on my credit report illegally. 

This is against the FCRA and my rights has a consumer. 

XXXX XXXX brought debt that was never validated prior and has been removed off all credit reports ..Now new sold debt is back on Equifax report illegally.
Consumer complaint received 2019-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

On XX/XX/19 my work received a letter from XXXX XXXX  to garnish my wages on my federal student loans for XXXX! This is the same company who over two years ago had my loans and did a qualification program where I paid them for 12 months then I would qualify to go to a lender who would consolidate my loans and base my payment on my income! After 9 months they sold me and had no info on me including who the new lender was! Now they are trying to do the same thing! I do not want to deal with them
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

My credit report is still reporting information that being fraudulently open, I send all the information a still in my credit report. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AMERICAN EXPRESS COMPANY (CA)

Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted XXXX agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally XXXX XXXX XXXX and who knows how much they suffering from their XXXX activities, which is called in the criminal driven market kids for cash. XXXX created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from XXXX custody is a piece of cake for him, later as we found out, he was giving courses to XXXX XXXX XXXX XXXX XXXX,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from XXXXXXXX account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from XXXX and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my XXXX account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach OIG SSA or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.