davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance Owed : {$55.00} ; XXXX XXXXXXXX Balance Owed : {$74000.00}.
Consumer complaint received 2022-01-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sunset Solutions Group, LLC (CA)

I've spoken to several different representatives in an effort to have my contact information removed from their records. I do not have uncollected debts and all my active credit accounts are either paid in full or have ridiculously low balances at the moment. I was informed that I can show up for court and request for my information to be removed. I have received not written legal documentation regarding any legal complaints or court filings. I finally requested their contact information : SUNSET SOLUTIONS GROUP LLC, XXXX XXXX ATTORNEY AT LAW, XXXX. I was not provided with a mailing address, but was given a phone number to have legal representatives contact them XXXX.
Consumer complaint received 2022-07-19
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out written instructions.
Consumer complaint received 2022-07-19
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out written instructions.
Consumer complaint received 2022-07-19
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out written instructions.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

TRANSACTIONS FOR XXXX XXXX # XXXX www.capitalone.com/XXXX The credit card company online notification was not reached via e-mail thus causing the account to be past due for over 30 days, when credit monitoring alert advised of such inquiry it was handle in the same day paid in full. I have called the credit card company and they have reversed the late dues and agreed to reverse the bad inquiry however they say the can only inform credit bureau they can not reverse the inquiry, which has caused the credit bureaus to lower score by XXXX points which sounds quite substancial and incorrect. 

Please remove bad inquiry as agreed by the credit card company
Consumer complaint received 2015-06-05
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Byrider Franchising, LLC (WI)

I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from CNAC in XXXX, WI and they sold a false claim to them in the amount owed by me.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11 XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2016-09-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NM)

I enrolled at XXXX where I was not given exact cost information about the program I was enrolling. I was also told my loan payments would only be {$50.00} total a month. I can not afford to make my momthly payments. I was also promised quality education, in which I did not receive. I failed classes multiple times, and when I asked for help I was referred to XXXX. My finance advisor also told me I would n't be charged for repeating classes since the instructors refused to help me. 

I was also told the school has had accreditation for years and was in good standing. I was promised a high paying job after graduation. I dropped because I could n't receive help with my school work. I was also not told I could test out some of the classes I had taken.
Consumer complaint received 2022-07-19
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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.

The following Accounts XXXX XXXX XXXX Balance- {$1600.00}
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PNC Bank N.A. (AL)

XXXX XXXX XXXX XXXX, XXXX PNC Bank XXXXXXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Property Address : XXXX XXXX XXXX XXXX, AL XXXX THIS IS A COMPLAINT FOR RETURN OF SURPLUS FORECLOSURE FUNDS THAT PNC BANK STOLE FROM US AND ILLEGALLY APPROPRIATED FOR THEMSELVES. THE SURPLUS STOLEN IS AROUND {$35000.00}. 

Our property on XXXX XXXX XXXX XXXX, AL XXXX was foreclosed on XX/XX/XXXXXXXX XXXX please see attached Foreclosure Deed. 

This Complaint is to seek your CFPB 's assistance so we can receive the Surplus Funds arising out of the foreclosure. 

1. The Foreclosure Deed indicates that the XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) was the highest bidder and paid {$220000.00}. 
2. At the time of the foreclosure, we had an ongoing loan modification application, but PNC ignored it and proceeded with the foreclosure anyway. 
3. At the time of the foreclosure sale, we estimate that we had an outstanding loan balance of about {$180000.00} XXXX. We put a downpayment of over {$90000.00} when we bought this house. 
3. Thus, there should have been Surplus Funds of about {$35000.00} PNC provided an accounting of what happened to the surplus funds- why it was not returned to us. As it turned out, they used inaccurate, unjustified illegal, unsubstantiated and inappropriate additional interest and fees to completely " eat up '' and appropriate for themselves that substantial surplus funds arising out of the foreclosure sale. 

As previously indicated, PNC Bank owes us and should return to us the legitimate surplus funds of about {$35000.00}. 

XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

the description of unwanted ifo items is shoing XXXX of not needed wrong items that keep appering on my credit report i was paying XXXX XXXX XXXX then they seem to owe me at least XXXX according to a 5year payment plan that did not work i payed them XXXX each month and they still would not remove the wronger items fom the 3 reportagencies/ialso need a update ruling on my credit score that should be at least XXXX/this type of action neede to be pursued anddealt with/myaddressis XXXX XXXX XXXX  XXXX/please try toclear theselong monyhs mistakes./thankyouverymuch.
Consumer complaint received 2024-02-21
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. (FL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account NumberXXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately.
Consumer complaint received 2022-07-19
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  ( account # XXXX ) ( account # XXXX ) ( account # XXXX ) ( account # XXXX Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2 States a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

This is in regards to the previous complaint. The bank responded that the bonus would be credited to my account by XX/XX/XXXX. As of today, I haven't seen the bonus yet. Please refer to their response attached. 

To be more specific, I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.
Consumer complaint received 2022-07-19
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. (NY)

In accordance with the Fair Credit Reporting act XXXX ( account # XXXX ) ( account # XXXX ) ( account # XXXX ) ( account # XXXX Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2 States a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (NC)

XX/XX/22 I sent a written letter. It was sent certified. I requested for wrong information to be verified. I received no response. It has been over 60 days. According to the law, these items MUST be deleted.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

I was a happy Wells Fargo customer and doing everything right. Then out of the blue, Wells Fargo calls me and says due to IRS deposits coming in, they had to close my account. These deposits were from my kids. I was told that I can have their info sent to my account. I was told that because I didn't add them to my account as a signer, they can not accept the money. I am now out {$6400.00}. I am very unhappy about this.
Consumer complaint received 2016-11-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

Ocwen Servicing Associated Fees on a Loan Reinstatement quote. 
- Military Alive Affividat fee {$10.00} - Dismissal Fee {$230.00} - FC Thru Complaint {$50.00} When a verbal request was given to remove fees, counselor was told that no fees would be removed and that they were all valid.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-19
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX placed a XXXX account on my consumer report at all three major credit reporting companies on a report I pulled in XXXX of XXXX. Prior to this, I never received any communication from this company about the alleged debt. I do not have any type of relationship with the alleged debt collector. Allegedly this was for something from back in XXXX of XXXX. It is just now being reported to my credit report. This is a terrible situation, especially as I have no current balance with the alleged original creditor, let alone owing anything to a third party debt collector with whom no contract was ever made. It is crazy how a company can just put some totally false and negative information on your report causing a decrease in a score of 20 or more points for some money that is not even owed.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Collection letter was sent to the wrong address the letter was sent to XXXX XXXX XXXX XXXX Tennessee I live at XXXX XXXX XXXX XXXX Tennessee I would like this removed from my credit immediately
Consumer complaint received 2023-05-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (NC)

I received a letter from Citi Bank stating my new credit card was mailed to me on XXXX XX/XX/2022 and was to be delivered this week. It has an XXXX limit. Acct endingin XXXX. I DID NOT ORDER THIS CARD. 
I called Citi Bank. On hold 20 minutes then referred to fraud and Iwaited on hold until I had to hang up. 
In checking my security.. 
liveautioneers apparently got my email off social media on XX/XX/XXXX. I do not recall visiting that website. I had no other reports. I am concerned about credit card fraud and my credit being impacted. Thank you
Consumer complaint received 2017-01-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (VA)

On XXXX XXXX I called XXXX XXXX Bank to inquire about a debt that I had. My call was re-routed a customer service representative at Resurgent Capital Services who stated that the debt owed to XXXX XXXX Bank was not handled by that financial entity. She proceeded to tell me ; however, that I owe {$1100.00} to XXXX XXXX Bank, an account that had been opened in the year XXXX. 

I proceeded the tell the customer service representative that I had already paid the debt to XXXX XXXX Bank approximately 10 years ago and that I had closed the account. Furthermore, I told her that the deb to XXXX Bank showed as Paid on my credit report. She told me that it did not matter and that I still had to pay the debt. 

On XXXX XXXX I received a letter from Resurgent Capital Services stating that I have a current balance of {$1100.00} which is not accurate. I spoke with XXXX at XXXX Bank today and she confirmed that my previous balances were paid and that I do not owe any thing. I checked my credit report today and it states that XXXX accounts with XXXX XXXX, each for {$250.00}, were satisfactorily paid in the year XXXX. Upon completion of the payments, I closed both accounts. 

XXXX also mentioned that former and current XXXX XXXX card holders have complained about Resurgent Capital Services mailing them letters regarding erroneous outstanding debt.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Collection letter was sent to the wrong address the letter was sent to XXXX XXXX XXXX XXXX Tennessee I live at XXXX XXXX XXXX XXXX Tennessee I would like this removed from my credit immediately
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stallings Financial Group, Inc. (GA)

I was sent bills for imaging while working out these bills with my insurance I received a final notice. I paid this bill immediately with the original biller. The next month a collections is posted to my credit for {$0.00}, with an " original balance '' of {$51.00} dollars. I was never contacted by Stallings Financial Group, I have never received a collections notice, and I have a receipt that I submitted showing it was paid before they claim the account was opened. All my credit reports except XXXX have removed it. 

Stallings Financial has failed to provide me or the CFPB with a copy of the letters that I never received. They report that my account was not paid until XX/XX/XXXX, it was paid XX/XX/XXXX, and it reports that there was an active balance of {$51.00} dollars when there was no active balance prior to it being placed in my credit. 

They claim they have followed FDCPA and FCRA XXXX regulations, and have failed to provide documentation of letters meeting these guidelines prior to placing this item in my credit. 

They also reported that I was affected by a natural disaster to my credit report. I was not.