davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
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. (MA)

I have a paid membership with the most expensive plan with Experian, and I am supposed to receive my report updates daily. For some reasons, the report does not update and I called Experian at least 5 times, but they have not done anything to get the issues fixed.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IA)

Citigroup and XXXX XXXX XXXX have made changes to their policies and are violating the law. They are using their power to restrict the Constitutional right to purchase firearms and firearm related supplies. This is in violation of 15 USC 1691a, They are not allowed to discriminate against my lawful right to purchase something just so they can appease a political viewpoint. This is could also be a civil rights violation as my actions are protected by the Constitution. If not corrected they could eventually be passing judgement on all of my transactions that might be considered politically incorrect. Please enforce the law.
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

After numerous months and dozens of phone calls, complaints, and Internet correspondence, were still trying to get our money from this company. They say they have guidelines for releasing funds, however nothing has been consistent or logical since the beginning. We are now down to approximately {$400.00} of {$78000.00}. However, due to their extreme incompetence, lack of judgment, or just sheer stupidity, this money will not be released. We have been told the house needs to be 80 % complete, 90 % complete, and 100 % complete. Which is it? We have had several inspections showing the house is being repaired, and is now supposedly 85 % complete. When making inquiries, the customer service reps have been rude, condescending, and just plain amateur. Obviously, {$400.00} will not fix the rest of our house, as there still is approximately {$50000.00} worth of work to be done. Its as if they want to hold this money just to prove a point. They are paying more for inspectors to come out to look at the house than the actual {$400.00} that remains. We have tried to speak with supervisors, upper management, and anyone who could possibly make a rational decision. However no one seems to know who these people are, or who they actually work for. It is like trying to reason with a group of four-year-olds. They need to release the rest of her money, and move on. Hopefully in the future they can adopt consistent guidelines for releasing funds, and follow through with such directives. We have uploaded numerous paid receipts which are somehow lost, even though this is done electronically. They overlook paid receipts, misread these receipts, or just plain do the math incorrectly. Again, the incompetence level is astonishing. This mortgage company is nothing but a scam. They are profiting off of holding peoples insurance money, while we suffer, unable to finish the repairs on our home.
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 2021-09-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed several times with the Credit bureau in regards 2 student loans that does not have the complete account number but were on my report as charged off and collection. After several letters asking them to please provide prof that those account belong to me TransUnion is the only bureau still have negative information on my credit report. I reach out department of education and ask about these accounts, they could not verify the account and ask for letter that TransUnion asked to get from Creditor but they could not provide any since no accounts were related to me. Went back with TransUnion and their agent are the worst customer service even when I ask for a supervisor to ask for a complete account number but they would not give it to me I log in online and the account is incomplete, received a report still incomplete. How they could verify and have these accounts if they are not complete and is been causing damage to my life.
Consumer complaint received 2021-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

Hello, I applied for XXXX through Fed Loan Servicing on XX/XX/2020. At that time, it showed I made XXXX qualifying payments for both of my loans. It is now showing that I have made XXXX qualifying payments for only one of my loans, the other is now showing XXXX ( XXXX if I certify my XXXX ). I received a letter from Fed Loan Servicing back in XX/XX/2020 for a XX/XX/2020 review that showed both of my loans at XXXX  qualifying payments. I was advised by them to wait until XX/XX/2020 to submit my XXXX review and that it could take up to XXXX  days. It is now past XXXX days, I get the run around on the phone every time I call and a different answer each time. I'm concerned about two things : my XXXX  loan not showing the correct XXXX qualifying payments and why this is taking so long. I know people who have requested XXXX after me and have had their loans forgiven. 

Can you please help me? Please let me know if you need any additional information. 

Thank you, XXXX XXXX
Consumer complaint received 2020-07-21
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. (NY)

I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Date of last payment not consistent : Transunion : XX/XX/XXXX XXXX  not listed XXXX  XX/XX/XXXX Payment status not consistent : Transunion : Current XXXX  ate 120 days XXXX  Current. 
Metro 2 which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (GA)

On XX/XX/XXXX I sent a debt validation request to this company via certified mail that was signed for and received on XX/XX/XXXX and rather than validate the debt I was sent nothing at all. This is a direct violation of U.S. Code 1692g within FDCPA regulation. I have proof of documentation being sent and received without any response that validates or verification that entitles me to this debt within the allotted 30 day timeframe. Please delete this information from my credit file and cease all collection activities immediately, otherwise I will be forced to report this violation of my rights under the FDCPA to the Federal Trade Commission as well as my attorney for legal action.
Consumer complaint received 2018-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arnold Scott Harris, P.C. (GA)

On XX/XX/XXXX, I and XXXX friends legally parked at a metered space in the XXXX XXXX XXXX. On XX/XX/XXXX, I received a Notice of Parking Violation from the City. I filed an Appeal on XX/XX/XXXX, and sent accompanying proof of payment of the meter, documentation from friends acknowledging meter was paid, and that the meter service was incorrect and I owe no fine. On XX/XX/XXXX, I received a reply ( dated XX/XX/XXXX ) allowing me until XX/XX/XXXX, to pay the improperly and illegally accessed fine. After contacting elected XXXX XXXX officials, I was advised to contact legal entities regarding this illegally accessed fine. On XX/XX/XXXX, I wrote to the XXXX XXXX XXXX XXXXXXXX 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 XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX at the XXXX XXXX regarding my appeal of the validity/Finding on Ticket XXXX. I was not afforded the opportunity to file a 2nd appeal as others have been documented and allowed to file. I resubmitted my Appeal anyway and since I do not reside in Illinois, I was not able to appear in person and fight this bogus fine. Again I provided definitive written and photographic proof, including proof of credit card payment of the parking meter fee, but have received no favorable response from the XXXX XXXX  XXXX about this improperly assessed fine. I also mailed a written notice of my grievance against XXXX XXXX XXXX XXXX XXXX XXXX or a contracted legal contractor handling matters on her behalf for this action that violates the judicial code by showing improper review of evidence, improper finding, and the miscarriage of  justice against me in this matter. Now the illegal action of assessing an improper fine has resulted in increased charges and the original fine for not paying the {$8.00} meter fee which I proved beyond any doubt was paid has resulted in me being contacted by US Mail by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX for a debt that I do not legally owe in the amount of {$150.00}.
Consumer complaint received 2017-08-01
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: AES/PHEAA (FL)

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION XXXX AND XXXX DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : FED LOAND SERVICING, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (TX)

XXXX   XXXX  does not have a contract with me for any services, This company has violat ed HIPAA by obtaining my medical information and has not sent any documents used to verify t his account to me. I have disputed this account and i have no knowledge of this account or any account with  XXXX   XXXX . I have never conducted business with  XXXX   XXXX .
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX Dispute Number XXXX Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all three CRA 's, and within 5-7 days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the three CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all three CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques (CA)

I paid a debt back to XXXX XXXX through Hunt and Henriques over a period of 5 years. I just received a letter stating they are filing a lawsuit against me. The original debt was XXXX according to my records, and I have paid that back, plus. On several occasions I asked for information on the original debt along with payment history. In 2016 I was given a very basic printout. I continued to make several payments until the the balance was paid. I never received mail, or telephone calls from Hunt and Henriques until I just received a legal threat. I have phone records to prove they have not contacted me by phone, and I have lived at the same address for 16 years and this is the 1st mail I received from them since the basic printout in 2016. They never contacted me regarding any balance on the debt or otherwise. I believe this collection agency is being unethical and pursing questionable tactics in regard to my account.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WA)

A few months ago, a company called XXXX Collections added an incorrect collections account to my Experian credit report. Initially, I sent letters to both XXXX Collections and to Experian. Experian amended the item to say that it was disputed, but did not remove it. After a few attempts, XXXX Collections sent me a letter notifying me that the item would be removed from all of my credit reports. I sent a followup letter to Experian, certified with return receipt, saying that I was sending additional information to support the removal of this item from my credit report. I included a copy of the letter from XXXX Collections. 

Incredibly, instead of removing the item, Experian sent me the enclosed communication saying that " [ They ] received a suspicious request in the mail regarding XXXX my ] personal credit report and determined that it was not sent by [ me ]. '' The letter also says that they will not be initiating any disputed based on the " suspicious correspondence '' and that " Experian will apply this same policy to any future suspicious request that [ they ] receive regarding XXXX my ] personal credit information. " This is a serious problem, because some disputes ( such as faulty pseudonyms ) can *only* be handled by mail. Experian 's unilateral decision to ignore information that I provided - with my signature on XXXX the letter and a return receipt notice postmarked to the same address to which they sent the enclosed notice - presents an unprecedented breach of protocol. What further steps should I take to ensure that correspondence does not appear " suspicious ''? Get my letter notarized, perhaps? That will be next. 

I should add that Experian 's online dispute process has never worked for me - they have an authentication step that I can never complete, even though I know more about my life than they do - and they make it deliberately difficult to contact them on the phone. Now they have taken away the last known recourse available to me. 

Their letter includes a threatening allusion coordinating with law enforcement, but it seems to me that law enforcement should be investigating Experian.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

Experain is reporting an collection account that is lowering my credit score however the balance is {$0.00} and needs to be removed from my file as there is no balance. 


XXXX XXXX XXXX XX/XX/2010 - - XXXX FL XXXX, FL XXXX XXXX
Consumer complaint received 2020-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I sent the first letter to Portfolio Recovery Associates onXX/XX/2020 asking for them to verify collection accounts that they have on my credit reports. A total of 10 accounts. I want them to send me documentation of a legally binding contract bearing my signature on these collection accounts. I never got a response so I sent a second letter dated XX/XX/2020 and still no response. I'll attach only one copy of each letter that I sent. I will not attach all 10 letters. I will also attach the return receipts from the certified letters that I sent.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop XXXX or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies XXXX , Equifax and XXXX , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

On 2017XXXXXX, my checking account was overdrawn by {$170.00}. My savings account was linked to the checking account for overdraft protection, and I had setup automatic overdraft protection in the event that my checking account was ever overdrawn, and a {$12.00} fee would be applied for any automatic transfers resulting from the overdraft protection of my checking account.
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On this date, my savings account balance was {$5.00}. Since my checking account balance was - {$170.00}, the automatic overdraft protection was initiated and my savings account balance of {$5.00} was transferred to my checking account to cover the deficit. Luckily for me, I have the financial support necessary to deposit {$510.00} into my checking account via the bank 's mobile app to cover the deficit in my checking account, and I spoke with the bank support team and confirmed that they {$5.00} would be transferred back to my savings account and I would not be charged the {$12.00} automatic overdraft protection fee since I made the {$510.00} deposit to bring my checking account balance back into the positive.
<P/>
The basis of my complaint is that the amount automatically transferred from my savings account into my checking account was not even sufficient enough to cover the {$12.00} fee that would have been applied to the overdraft protection transaction, let alone cover the deficit in my checking account. So the net result would have been - {$6.00} ( {$5.00} minus {$12.00} fee ) being applied to my checking account balance of - {$170.00}, and I likely would have incurred an additional overdraft fee of {$35.00} on top of that since my checking account balance would still be in the negative. This type of exploitation is a perfect example of the predatory fee practices that banks practice which significantly contribute to lower income individuals being unable to climb out of debt and perpetuates a vicious cycle of high interest payday loans and hefty overdraft fees required to keep an account in " good standing ''.
Consumer complaint received 2022-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

Greetings I've paid {$3000.00}. to the bank ( TRUIST/XXXX  Maryland ) XXXX weeks ago and they haven't appiled my funds to my account for payment. 
They also took {$1500.00} and applied it to intrest only. Not to principle. 
I've talked to these people numerios times with no action. 

Thanks