davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$480.00}
Consumer complaint received 2022-08-01
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. (CA)

By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am sending a complaint today to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

Two different accounts were created in my name without my consent. A citibank account and mulitple accounts at XXXX. These accounts were opened within the last two months of 2021. I've reported these accounts as fraudulent as I am a victim of identity theft.
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information to validate the debt, you are by law required to delete all entries off my credit report ASAP.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (LA)

I received two CITI/ XXXX XXXX XXXX credit cards for an account I did not open. One card in my name, XXXX XXXX, one in some other person 's name who I do not know, XXXX XXXX. I called CITI and closed the account over the phone. They started a fraud investigation today, XX/XX/21. The results are pending. My point in contacting you os basic notification
Consumer complaint received 2021-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, my sister in law XXXX account got hacked and the scammer texted me to XXXX XXXX. I obviously thought it was my sister in law so i XXXX {$3500.00}. But when i met her the next day, then I found out her account was hacked. I called my bank right away but unfortunately they couldnt help me with the transaction. I filed the police report too.
Consumer complaint received 2021-11-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CT)

Where do I even begin with my hardship and request for help from my lender. My Hardship began last year when Covid hit. I was out of my job and furloughed because the company I worked for could not book any appointments. I got a covid extension plan and then now I know that I qualify for covid owner occupied loan modification my lender is not helping me. I have been denied twice now when I know that a covid owner occupied loan modification does not require any documentation as long as my hardship started when covid was announced. I am desperately trying to save my home and hope that this complaint will help me get the help I need.
Consumer complaint received 2022-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (CA)

In XXXX of XXXX I took a medical leave of absence from my job. Knowing this would involve several months as an outpatient, my physician and I were careful to select a reputable IN XXXX XXXX - XXXX XXXX XXXX XXXX. At the time, I was fortunate enough to have top-of-the line insurance through my employer. This gave me many options for treatment while staying completely IN XXXX 

For over 2 months I attended daily sessions at XXXX XXXX, billed to insurance. I completed the program and life moved on. 

Fast-forward to XX/XX/XXXX, when I pulled my credit to find 2 collections from CMRE Financial reporting to both my XXXX and XXXX reports. CMRE lists XXXX XXXX as the Original Creditor on this debt, which makes no sense. Not only did I select XXXX XXXX precisely because of its in-network status, but I was ON SITE DAILY, ambulatory, talking to staff, actively engaged in my own treatment planning. No bill was mentioned then, or since ( I have lived at the same address for XXXX years ). 

I was annoyed but thought it would be no big deal to clear this up. Thus began a several months-long odyssey of disputing, writing CMRE, calling my former insurer, etc., all to learn NOT A SINGLE THING about a debt that has apparently been affecting my credit for over 4 years. So far I have : >Disputed to XXXX and XXXX ( XX/XX/XXXX, see attached ) >XXXX verified both items.. XXXX verified one. ( XX/XX/XXXX & XX/XX/XXXX. No explanation. ) >Mailed letter directly to CMRE Financial requesting information ( XX/XX/XXXX, see attached. No response ) >Re-disputed the CMRE entries to both bureaus, attaching my aforementioned validation letter to CMRE. ( XX/XX/XXXX ) >XXXX  and XXXX promptly verified these items yet again. ( HOW IS EVERYONE BUT ME, THE ALLEGED DEBTOR, ABLE TO VERIFY THIS DEBT?!? ) >Finally, XXXX XXXX I called my former insurance company even though it has been XXXX years since I lost my policy with them after being laid off. Unsurprisingly, they don't keep old records around pertaining to previous members. 

TO THIS DAY I HAVE NOT HEARD ONE WORD FROM CMRE FINANCIAL. And the kicker? This company I had never heard of, much less entered into an agreement with IS CHARGING INTEREST ON DEBTS THEY HAVE NEVER COMMUNICATED I OWE!!! The original mystery bills of {$320.00} and {$470.00} have now ballooned to {$430.00} and {$630.00}, respectively. 

It pains me to think of the thousands of Californians they have extorted by parking unsubstantiated debts on credit reports.adding interest and just waiting for their victims to apply for a loan. Shame on them.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy filing Reference # XXXX, Chapter XXXX Bankruptcy filing Reference # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (TX)

Champion Mortgage ( XX/XX/2021 ) says my property insurance is in good standing @ XXXX dollars, yet I received a letter from Champion Mortgage that says they are going to foreclose because of my property insurance. Also, Champion Mortgage tells me to continue making monthly payments to eliminate the default balance. Champion Mortgage is accepting my monthly payments at the same time they say they are foreclosing on the default balance. This sounds like unfair double jeopardy and the foreclosure threat should be removed immediately. Yes, immediately! This sounds like a crooked scam.
Consumer complaint received 2022-08-01
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$500.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX ( XXXX : XXXX XXXX ) XXXX XXXX : {$130.00} XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$240.00} KXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$4300.00}
Consumer complaint received 2022-04-25
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. (DE)

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. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (IL)

I have contacted Comenity Bank through XXXX. The last time I spoke with the customer care team was on XX/XX/2022 I spoke with XXXX badge number XXXX. I have spent several hours on the phone with various representatives from customer service including managers. XXXX and XXXX, were particularly rude and provided no help at all. In fact, they laughed at me when I explained that I the terms and conditions on credit application in which I signed stated I would pay 14.99 % interest rate for 36 months.This company has been charging me with 29.99 % interest for the past year and it was not brought to my attention until recently as my fiance was in charge of my bill for my household and this purchase was an engagement ring. The representatives filed 2 separate disputes after several hours on the phone and continued to tell me that the XXXX Store must have input the purchase wrong and there was nothing Comenity Bank would be able to do. I have gone back and forth between Comenity Bank and the XXXX Store. The XXXX Store has been more than helpful, in fact the last time I called the store XXXX was able to return and re-ring the purchase taking into account the amounts that I have paid with the correct interest and I paid the difference of the balance. So, I am now paid in full for the purchase of the ring with the appropriate interest. However, after the store communicated this to Comenity Bank, the bank is still refusing to update the account with the transaction at the store. Comenity Bank is trying to say that I owe them over a thousand dollars. I did file a motion with the State of Ohio and they directed me to you to file a complaint.
Consumer complaint received 2022-08-01
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 forwarded a letter to the XXXX and TransUnion Credit Bureaus dated XX/XX/2022 to update these inaccurate accounts. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX Balance : {$8600.00} ; XXXXXXXX XXXX XXXX Balance : {$8600.00}
Consumer complaint received 2021-11-16
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: BARCLAYS BANK DELAWARE (NY)

I had a Barclays View Mastercard which incurred a fraudulent charge on XX/XX/2021, for {$530.00}. 

I was unaware of this, and the card had actually not been activated at the time of the charge. I became aware of the charge on XX/XX/XXXX, when I received an email that I had a payment due on XX/XX/XXXX. 

I immediately called Barclays to report the fraudulent charge, and also to close the account. I was told by a Relationship Manager that an investigation would be opened, that the charge would be tagged as fraud, and that I would receive a confirmation of this. 

This did not occur. After checking the account again on XX/XX/XXXX and seeing that the {$530.00} balance was still posted, I called Barclays again. Again I was told that the charge would be marked as fraud, and that it would be resolved within 24-48 hours. The Relationship Manager said that, in fact, it had not been tagged as fraud ( as the employee from the initial call assured me it would be ).

I was also told that identical charge attempts had been made previously on the card, but were rejected. Prior to my calling Barclays, I was never notified of any of this. 

I checked the balance once again on the due date, XX/XX/XXXX, to find the balance still active. I called again, and once again, the Relationship Manager said that the charge had not been tagged as fraud, despite the assurances from both previous calls. Once again I was told that the charge would be tagged and resolved within 24-48 hours. 

I requested written/email confirmation of this, but Barclays refused to provide it. 

I am left with the conclusion that Barclays is simply lying about fraud investigations to customers. Due to their deception and inaction, my credit score appears likely to be hurt, because it will appear that I simply did not pay this balance.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair credit report act XXXX XXXX account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 -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 XXXXXXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

This year and last year I've disputed this alleged account with another collection agency and it was proven that the alleged debt wasn't mine due to insufficient proof. This debt was bought via a portfolio of debt. I've seeked an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm tired of being taken advantage of after I've proven my innocence.
Consumer complaint received 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (AL)

This is my third notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. Furnishing this information without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( XXXX, XXXX, XXXX, and XXXX ) without my PERMISSION OR CONSENT which is a violation. Pursuant to 15 USC 1681a you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. 
Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 
This is also an adverse action to me as a consumer and needs to be remedied immediately. 
By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. I asked that you remove all student loans from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness.
Consumer complaint received 2022-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In accordance with the Fair Debt Reporting Act. 

Bank of America is violating my rights. I have NOT given them any written consent permission. They did HARD INQUIRIES on XX/XX/XXXX, XX/XX/XXXX on XXXX, XXXX credit profile, lowering my credit score by XXXX points. Without my permissionand there was NO purpose. 

After speaking with Bank of America representative : XXXX XXXX XX/XX/XXXX, she stated " there was NO new application from me asking for credit or services. '' I asked for a copy of my signature on Bank of America application. 
She stated " she could NOT send me a copy of my signature due to Bank of America NOT having a new signature on file. '' The HARD INQUIRIES remains on my profile.

According to : 15 U.S.C 1681a ( 2 ) Permissible Purpose of consumer report. My rights are being violated.

15 U.S.C 1681 Section 604A Section 2 Also states : A consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX  ) and Account # XXXX ( XXXX XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-09
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX  Bankruptcy filing Reference # XXXX, XXXX XXXX Bankruptcy filing Reference # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I opened an account with TD Bank on XX/XX/22 because of a promotional ad on XXXX. The ad stated I would receive a bonus of {$150.00} if I opened a Convenience Checking account and received a direct deposit of at least {$500.00} within 30 days. I have met all of these requirements but I have not received the bonus. I have called TD Bank multiple times concerning this issue and everytime I call they advise the department that handles promo bonuses does not take calls and that I just have to wait. Any assistance you can provide would be greatly appreciated. Thank you.