davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
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. (NY)

To whom it may concern, My name is XXXX XXXX, and I'm the proud owner of a XXXX owned business, with our primary focus is consumer credit reporting. 

For the past 30 year I have lent my talents to nineteen of corporate Americas tops in their areas of expertise. I come to the table versed in areas most consumers would never, so I hope my concern as all concerns receive a watchful eye. 

Our consumer right regarding credit reporting is being abused at will and algorithms should shoulder most of the blame. 

The following companies are the ones who must receive this correspondence and must address all the below question with a proper human response and allow for proper follow up and the follow exchange. I will no longer accept automated responses, and neither should you. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Keet it Brief, Got it! 

The contractual agreement or arrangement between the lenders and creditors is not being upheld by the lenders. Area specific, reporting and posting. 

Willingly or unwillingly, the lenders and credit reporting agencies have withheld accurate reporting. Area specific, true value of loss regarding charge off, profit and loss reporting. 

The lenders and credit reporting agencies are using high tech tools to circumvent consumer protection laws and acts on a federal, state, and local level. Area specific, e-Oscar. 

The overseeing body, which is entrusted to enforce our consumer protections, has appeared to have lost the will to enforce a proper human response and adequate time for follow up. Area specific, CFPB. 

As a proud XXXX XXXX XXXX veteran of the XXXX XXXX, I swear an oath to protect this country from all enemies, foreign and domestic. My military training and skill have served me well in the private sector assessing danger on all fronts. 

Like our green berets and special forces, I too take my services profoundly serious. 

It's about the will to want, versus the will to say I can't. 

In closing, As a consumer I have rights. 
As a citizen I have rights. 
I equally understand if I don't exercise our right, industry will abuse our right and have us believing our rights don't exist. 

It ' time to change the narrative and ask the question no one is asking. Like, how do you serve XXXX masters credit reporting agencies? 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, Consumer Advocate, XXXX XXXX, Summary Judgment Intermediary Leverage Credit Recovery XXXX XXXX XXXX XXXX, New York XXXX Cell : XXXX Email : XXXX Website : Leverage Credit Recovery
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (CA)

In XXXX 2016 I rented a car in XXXX, XXXX. After I returned to U.S. The rental car company e-mail me that I had speeding ticket. 

This XXXX, A company named CEDARS BUSINESS SERVICES located in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This company find this case thru XXXX US Embassy website, that is a open source for anyone want to contact you. The only proof of speeding is the automatic camera shooting. 

This self- claimed speeding ticket collector is not authorized by XXXX Police Dept . Any scammer can go after you. Maybe he buy the debt thru a outsourcing agency. My question : it is legal to collect debt by this way? Those con artists must be cracked down
Consumer complaint received 2015-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company (WV)

XXXX Management robo calls our house about XXXX-XXXX times every week for the past XXXX months. They call in the afternoon to XXXX at night. 

It does not say who they are trying to reach, but every time we pick up, it is a machine that says the same thing or leaves the same message on our answering machine. It says who they are, that someone owes a debt and to call them back. Obviously I know I do not owe any debt, nor am I going to call them back. I searched the number and see it is a scam. My number is even on the Do not call list. We keep track of our credit reports and pay everything on time. 

We do not even have our house number listed on any of our loans or creditors, so that is even more amusing.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (TX)

PHH Mortgage Services ( PHH ) has, in my opinion, falsely reported I missed a mortgage payment for XX/XX/XXXX and XX/XX/XXXX. This company has been unresponsive to my request to discontinue my escrow account after the first year of the loan. At the closing, in XX/XX/XXXX I pre-paid the first years ' homeowners insurance and property taxes for XXXX. In addition, I started an escrow account for $ XXXX/mo to pay for the second years ' homeowners insurance which $ XXXX/yr. Three months after the closing, PHH decided to DOUBLE MY ESCROW ACCOUNT and raise my PITI from $ XXXX/mo to $ XXXX/mo! 
I refused the unwarranted increase because it's double what my homeowners ' insurance premium is. As for my property taxes, I had selected to pay my property taxes myself. 

I have been unsuccessful in dealing with PHH and decided to refinance with another mortgage company. In my opinion, PHH fraudulently reported I was late in paying my mortgage payment in an effort to block my refinance. Not only did it terminate my refinance, but it also lowered my credit score by 109 points. My XXXX  score had been XXXX!! In an effort to prove my contention, I had my bank, XXXX XXXX XXXX XXXX submit a " History of Payments '' showing I HAD NOT MISSED NOR BEEN LATE FOR ANY PAYMENTS! ( DOCUMENT ATTACHED ) The statement has confirmation codes for every payment. 

I have submitted a dispute with XXXX  but the incorrect information was not removed. As a consequence, I have submitted a challenge to the dispute and submitted the History Of Payments to prove the false and in my opinion, fraudulent reporting by PHH.

I'm requesting that PHH remove the false late report which has damaged my credit and restore my credit score.
Consumer complaint received 2015-07-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (SC)

XXXX XXXX XXXX XXXX XXXX. XXXX. in XXXX and XXXX XXXX constantly tried to solicit money from me or they would sue me and take whatever they could to satisfy the debt even if it was everything i owned. After months of harassment they forced me into signing a repayment agreement and a Confession of Judgement. I think I was cohereced into something thats not right or even legal. They have been aggressive and abusive with their constant threats of wiping me out if I did n't agree to sign papers and send them money. So I finally did, I think this type of threat and coercion may be illegal and I ask for your help.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00}
Consumer complaint received 2024-04-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IN)

On XX/XX/2024 I attempted to make a transfer from this savings account to my checking account. The transfer was blocked with the instruction to call the bank. When I called, they informed that the account was frozen because of some undisclosed issue with my joint account holder ( my spouse ). 
On XX/XX/2024 both myself and the joint account holder called the bank. The bank then said they could not verfiy the identity of my spouse because " her phone number is not registered to her ''. Both of our phones are on a family plan and the plan is billed to me. The bank refused to deal with us further and said only that they would open a ticket and call us back within three days. The bank refused to give us even a ticket number. 
On XX/XX/2024 we called the bank again as we had not been contacted. The bank again they would contact us within three more days and refused to answer any questions or discuss the problem further. 
As of this writing, XX/XX/2024, the bank has not contacted us in any way, we still have no idea what the supposed issue is, and the account is completely frozen.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

I was gifted a venmo greeting card with XXXX  code for to obtain {$1000.00} for my graduation on XX/XX/2024. I created a new account as I also just turned XXXX on XX/XX/XXXX and needed XXXX in order to access the monetary gift. Upon creation of the account, my access to the funds was immediately frozen. I was requested to submit verification of my identity, which I provided 2 times and each time my account was immediately frozen before I was able to access my funds. Today, I received an email that my account was permanently suspended and the funds I had been gifted ( {$1000.00} ) are going to be held up to 180 days, leaving me with absolutely no money for no reason. I implore you to assist in compelling this company to release my funds within a reasonable timeframe or further escalation of the matter will be necessary. Thank you
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2021 my bank account was charged XXXX by Transunion, for subscription I never signed up for. I canceled it immediately after reading g that they keep doing it and that they will not refund me for the subscription. I am also contacting my bank
Consumer complaint received 2015-09-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (NH)

Jefferson Financial is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Jefferson Financial is reporting an account with a balance of {$810.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).
Consumer complaint received 2018-12-04
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. (NY)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX  XXXX XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX  XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Equifax Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

I signed up for a Citibank Gold Checking account in XXXX 2015 with a promotional code. The promotion was to receive XXXX ThankYou points after making two monthly bill payments. I met all the requirements and starting paying the monthly ( {$30.00} ) account fee. I have not received any points. I have contacted CitiBank about this twice and they keep giving the same response " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. We understand this is not the resolution you had anticipated. '' This statement is incorrect as the promotional code was a public code and my husband had successfully been through the process a month earlier and received his points. I would not have signed up for the bank account if I had not had the incentive of receive the points to offset the high monthly account fee.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MA)

the company investagated the wrong XXXX acct they investaged a closed acct not the acct that is the only neg acct on my report the one i asked to be disputed XXXX never put my change of address in so bills were going to wrong address only reason i found out was from my annual credit report i called XXXX paid off acct on XX/XX/2016 was told they would fix credit report cause they messed up nothing has been correctd please help my score was XXXX before this happened
Consumer complaint received 2022-07-20
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)

XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ACCT : # XXXX Collection : # XXXX XXXX Accordance With The Fair Credit Reporting Act XXXX  Acct # XXXX Collection : 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 2016-05-11
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (WA)

I have a Citi prepaid XXXX card that was part of a promotional " rebate '' program from some auto parts I bought. It expired XXXX 2016 and I lost the remaining XXXX {$30.00} on the card. I called to see if they would reissue, and the agent said they could do it once, with a new card that works for 6 more months. She said they would not reissue again. I told her that according to the CFPB site, prepaid card funds are good for 5 years. She replied " that was for gift cards only. '' I responded that the CFPB site says " prepaid debit cards '' are included. She said that the card was issued in a state with different laws. I told her I knew she was only reading off the screen, but Citi is wrong. I think they are operating outside the law, and likely a class action lawsuit is in order depending on the scale of the problem.
Consumer complaint received 2017-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (NC)

Hi, I am on my   XXXX   loan from Big Picture Loans and I looked at the amount of the payback and I am dumbfounded. I did not realize how much it would be. I know that trying to stop the money from coming from account will not help and I would like the offer paying the loan back without the extremely high interest rate. I only borrowed  XXXX  and they will collect  over 3400 afte r this loan is paid off and that is alarming to me. I can not believe this is happening. This is predatory to hardworking people that are struggling to make ends meet.
Consumer complaint received 2022-02-04
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. (MI)

Two bankruptcies are reporting incorrectly on my credit report and I have submitted disputes several times to have these incorrect public records removed. This is causing me undue hardship and repeated credit denials. XXXX and XXXX have correctly investigated these incorrect accounts and have removed the erroneous public records from my reports.
Consumer complaint received 2022-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (IL)

Professional Placement Services refuses to cease their illegal defamation of my character by alleging I owe them a debt. Their stalling tactics have exceeded 30 days as required by law and is now going on XXXX months since they promised to validate this alleged debt on XX/XX/2021 with the CFPB as my witness.They NEVER communicated with any of the credit bureaus to report this as disputed per federal law. They never even sent anything in the mail to the address they have on file for me and are impeding on my right to extend credit. I have been denied credit because of this horrible blemish on my credit report. They are committing aggravated identity theft by continuously reporting this false information to third parties. This is my last attempt before litigation is pursued. Give this the attention it deserves.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NY)

My Home Depot card had XXXX promotional balances : XXXX/XXXX/16 {$1400.00} XXXX/XXXX/16 {$2000.00} XXXX/XXXX/16 {$310.00} I paid {$100.00} on XXXX, {$90.00} of which was for the minimum payment. On XXXX/XXXX/16 I paid another {$100.00} toward the XXXX/XXXX/16 promotional balance. On XXXX/XXXX/16 I paid {$2000.00} to satisfy the balance owed of {$1300.00} and the balance of {$700.00} to be applied to the XXXX/XXXX/16 promotional balance. Home Depot now shows that I owe {$2600.00} on the XXXX/XXXX/16 promotional balance. I am prepared to pay the correct balance of {$1300.00} on XXXX/XXXX/16 but ca n't since they ca n't seem to fix it. I have contacted them via e-mail, online chat and phone at least 10 times already. Now they tell me it is going to take 1-2 billing cycles to fix it. It only took them a day or two to make a mess out of it. Please help!
Consumer complaint received 2022-02-04
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. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX