davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc. (CA)

Alliance One sent me a document in the mail claiming that I owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor Alliance One has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to send it within 5 days. As you can see, the date was XX/XX/2021 and today is XX/XX/2021. Attached is the communication I received from them, the first picture is of the front, the second picture is of the back. 

This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming this debt is owed.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (AR)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2020-09-17
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 am being accused by EXPERIAN of not sending my own complaint, which I XXXX XXXX XXXX did in reference to Identity theft, and fraudulent accounts reporting onn my credit report. Again I have attached a copy of my social security card, and driver licsense
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (UT)

I lived at XXXX XXXX in XXXX, my lease was up and I vacated in XXXX. After leaving the apartment complex thought I had signed a 13 month lease and tried to charge me for additional rent. After collecting paperwork and meeting with them I was able to resolve that I indeed had a 12 month lease and had not violated any terms. I left thinking the issue was resolved. Apparently I still owned {$79.00} in cleaning fees. Which I was not notified of until XX/XX/XXXX. Once I was made aware I immediately paid the amount and have receipts and bank statements to prove this. However NCC business decided to claim that the amount owed was in collections. They contacted me several times to try and collect the money that I had already directly paid to XXXX XXXX. I told NCC I would not pay them because the amount was already settled. NCC refused to contact XXXX XXXX to verify this information and continued to claim it was in collections. I sent them documentation repeatedly that this was paid for. I thought the issue resolved since I had paid in XXXX. Now inXXXX I was purchasing a home and my credit was reviewed. My loan agent brought to my attention that the {$79.00} was still considered to be in collections. I sent a dispute and evidence to NCC and demand that they remove it. They refused for months. Because I had to close on my loan or risk losing the house my lawyer advised me to remove the dispute and wait a year until my loan settles and my credit is safe to dispute again. Now unfortunately my loan rate was severely affected by NCC claim that I had debt. In fact my credit has been affected since XXXX because they lied about me not paying the debt. I reached out to them a year later when my loan was settled and my credit safe as my lawyer suggested. I have sent documentation over and over again to NCC to prove I paid in XXXX. They refuse to make any changes or compensation for my time, hassle, affected credit, and negligence on their behalf. This could have been resolved in XXXX. Instead its continuing to affect me 6 years later.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3600.00} DXXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$5900.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau and CREDENCE RESOURCE MANAGE has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : CREDENCE RESOURCE MANAGE XXXX Date opened XXXX XXXX, 2022 Balance {$220.00}
Consumer complaint received 2023-01-18
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated and corrected as soon as possible : 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 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
Consumer complaint received 2022-04-05
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. (TX)

In accordance of the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a 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 2020-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (KS)

Received a promotional offer for a {$75.00} off coupon on a purchase of {$500.00} or more. On the same offer it also states " available every day '' no interest if paid in full with 6 months. No where does it state an " either or '' on the coupon. Called and of course got transferred a few times and was also told to call another number, didn't matter nothing got resolved to my satisfaction. In fact, one representative put me on hold for some time, assuming he was talking with his supervisor and when he got back on the line, I was told the it's the customer responsibility to look for the word " AND '' in these types of promos. If the word and is not stated, that I should assume it's and either or promotion. 

I would also like to state that I have take advantage of these types of Home Depot offers in the past and they previously stated an either or option and now they don't. 

I clearly think this is a UDAAP violation.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Citibank closed my account last year XXXX with funds of {$290.00} they said they sent a check which they sent it to an address I havent lived in 6years I called them they stated they sent another check to the nee address but they didnt put the right apartment I called a third time they stated they I had to send a copy of a bill which I did in order to prove I resided at the address i never got a response so I called them they send they received it and they would resend it and I would receive it within 5-10 business days and I still havent received anything!
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (WA)

I have new and updated information regarding case number XXXX with Goldman Sachs Bank . On XX/XX/XXXX, a validation of debt letter and cease & desist letter was delivered to Goldman Sachs Bank regarding an alleged debt, that they have fraudulently been attempting to collect. After ten days following the delivery of both of these letters, the company, Goldman Sachs failed to validate the debt by not sending any of the requested documentation I asked for in the letter. Not only was this after the ten day period I gave them, but they have yet to comply to my request to validate the debt. Following the delivery of the cease and desist letter, Goldman Sachs has failed to comply my request by harassing me on numerous accounts in connection with attempting to collect this debt. This company has called me, on my days of ritual and in the middle of my workday. Instead of validating the debt, this company has only sent me a paper statement fraudulently attempting to collect on this debt. On XX/XX/XXXX, my list of facts and statements of truth were sent in an affidavit of truth, consisting of several exhibits as clear proof for my case. On XX/XX/XXXX, a full bill of particulars was also delivered in demand of remedy for all violations of my consumer rights that Goldman Sachs Bank has made against me.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to address the recent late payments on my account with CXXXX XXXX  and XXXX XXXX. As a valued customer, I understand the importance of maintaining timely payments, and I sincerely apologize for any inconvenience my late payments may have caused. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Booked a snorkling tour on XXXX XXXX, Hawaii, on XX/XX/2021 for the tour on XX/XX/2021 at XXXX XXXX  for {$300.00} ( including rewards points ) through Chase Banks ultimate rewards site using my Chase credit card. Trip was confirmed by leaving a message for the vendor XXXX XXXX XXXX. The vendor never showed up for the tour and I called up Chase Bank about it by XXXX XXXX, and on several occasions after that to get my refund. Chase Bank refuses to issue refund until they get money back from the vendor.
Consumer complaint received 2023-01-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: AXOS FINANCIAL, INC. (NY)

complaint against : Axos bank, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Acc No. XXXX Ref XXXX The above account will mature on XX/XX/23 ( CD interest XXXX XXXX  for XXXX  month ) for a total interest of about {$44.00}. In order to close the account, I have to pay a bank check fee 0f {$10.00} which means that I will only receive about {$34.00} of interest. 

First of all, I opened the CD account of XXXX  XXXX XXXX ( which was sold to Axos Bank ) and has not signed any agreement with this bank check fee. Secondly, with most banks paying an interest rate of above XXXX XXXX for XXXX  month rate, Axos Bank is taking advantage of the situation and try to hold XXXX with my premium. 

Thank you for your attention.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

An assistance letter was sent to Select Portfolio Servicing to keep my home XXXX, when it was transfered from XXXX XXXX XXXX. I have lived in the home since XXXX when it was purchased. I incurred XXXX XXXX, then a back injury in and was out of work for almost a year, and have proof of all of this. I filed the Ch XXXX, and was paying the mortgage payments on time. I requested to find a way to reduce my monthly payments to avoid foreclosure. I am currently working and able to make a reasonable mortgage payment. I requested for SPS to work with me on XXXX, when I was told by SPS they had not recieved payments for several months from the trustee dated back from XXXX. I have proof from my trustee that payments were made up to XXXX. I have questioned SPS, and I get no where with them. I have recieved letters indicating client, ( I ) have opted out of any type of assistance, and that is not true!
Consumer complaint received 2018-04-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

I called Navient to let them know that i would pay off loan # XXXX in the amount of {$500.00}. They agreed. Then my credit score went down XXXX points for XXXX and XXXX points for XXXX. 
Turns out that Navient took it upon themselves to spread the money out across all loans tgen raised tge amounts for each one with derogatory remarks on every one. 
After arguing until I XXXX coat hangers, i got them to fix it. Today ( almost 4 weeks later ) i see that they increased a loan from roughly {$1400.00} to over {$5000.00}. That screwed things up again now I've got to deal with these people again to try and fix this AGAIN! If this is what they do when you try to pay off your loans, how the XXXX do they expect to ever get paid.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the inaccurate information on my credit report regarding my account with XXXX XXXX XXXX XXXX. The bank has agreed with the status of the accounts as " Open, Never Late, '' but I have not received the updated statement due to it being sent to the wrong address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX between 0900-1000 hrs., while working from home, I get a call from someone saying they are a XXXX XXXX XXXX XXXX they have located a " flag '' in my recently purchased XXXX laptop . He explains the issue using a lot of computer verbiage and says he can repair it remotely and that it needs repaired immediately. I was about give them a credit card number when my husband walked in. I handed him the phone, since I was working, and he walked out of the room talking with the technician. My husband eventually hangs up on him and tells me to cancel my card. I call the number on the back of the card ; report the fraud call ; cancel the card and I'm issued a new one. 

Later that afternoon, I get an email from XXXX saying that an order for {$600.00} worth of XXXX XXXX gift cards had been declined and I will not be charged. 

XX/XX/XXXX I get my credit card statement and it has a {$600.00} charge on it from : XXXX Giftcards. 

XX/XX/XXXX I report it to Chase Fraud Recovery via both a phone call and an email. 

XX/XX/XXXX Chase send an email saying the charge was " valid '' and I am responsible for paying it. 

XX/XX/XXXX I send another email to Chase Fraud Recovery telling them that I didn't make the {$600.00} purchase. 

XX/XX/XXXX Chase Fraud Recovery sends another email again saying the purchase was " Valid '' and I am responsible for paying it. 

XX/XX/XXXX I call XXXX Giftcards and explain what happened. They agree to investigate it. 

XX/XX/XXXX I get an email from XXXX saying " we were unable to locate any charge or charges to your XXXX card. '' They suggest we contact Chase to file a dispute.