davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

total billed {$1000.00} just an estimate XXXX XXXX insurance paid {$270.00} supposedly I have to pay {$140.00} + {$120.00} XXXX XXXX XXXX account XXXX, was suppose to charge me {$1500.00} for all the XXXX work including a XXXX XXXX  and 4 treatment of XXXX XXXX. This XXXX XXXX   made my XXXX worse, both the XXXX and his assistant nurse who also does billing flat out lied to me. They said they would adjusted the rates most of the funds would be billed to the insurance company. After I complained about how he cause so much problems doing the XXXX  XXXX, I told him I am not going to have anymore treatment t. The XXXX ramble on saying I need more treatment. I paid {$100.00} to a XXXX balance ... the XXXX office charged me extra {$240.00} bring the bill to {$340.00}. Which was put on my credit report. After two years, I had several XXXX XXXX and my XXXX are find now. I tried calling the XXXX company explaining I have a XXXX balance and since the XXXX  cause so much pain, listening to the XXXX lies and about healthcare ... I got a second opinion for another XXXX, which had to XXXX several XXXX, and now my XXXX are healthy. All this XXXX was good for taking advantage of me and insurance company. XXXX XXXX XXXX to me is a good scam artist and he can say anything he wants ...
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY CREDIT SYSTEMS INC (GA)

Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you. 
SECURITY CREDIT SYSTEMS XXXX  Opened XXXX. XXXX, 2021 Balance {$4000.00}
Consumer complaint received 2022-04-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On or around XX/XX/XXXX my XXXX  XXXX card ending in XXXX opened in XXXX the account went delinquent, according to the FCRA an account XXXX only stay on record XXXX from original date of delinquency Transunion continues to report and deleted oldest pay history this keeping the account on my report On XX/XX/XXXX after Transunion couldnt resolve I sent it to capital one they returned a letter with no correction I sent yet another request on XX/XX/XXXX and again no resolution Im asking CFPB to demand that XXXX XXXX delete this account from my Transunion bureau since the original delinquencies exceed 7 year period
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

MY INFORMATION WAS USED IN A DATA BREACH AND THE ACCOUNT HAS SHOWED UP ON MY CREDIT REPORT THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVE ASAP
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

NMAC ( XXXX XXXX XXXX ) On XX/XX/2017 I had to change my checking account number. I had recurring payments set up through NMAC site. I properly changed my checking account info. Nissan failed to afford me the option of re-enrolling in recurring payments. Without having been notified that my recurring payments ceased, I unintentionally missed my XX/XX/17 due date payment. As a result, my payment was 31 days late. Nissan refused to remove the late payment from my credit report, citing that the information provided is accurate and therefore will not be removed. Nissans poorly designed payment platform caused me to miss my payment and I was provided with no reminder or warning that my recurring payment had ceased and needed to be set up again in order to make an on time payment. I am requesting assistance as a consumer due to this unfair and rather negligent practice.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Credit Acceptance made a 6 month verbal agreement with me during a difficult financial period I was going through. To catch up or continue to stay in good standing with the company I was told to make payment of {$660.00} per month for 6 months back in - I believe XX/XX/2019. After adhering to the verbal agreement, I was to go back to making regular payments of {$550.00} / month. After about 3 months I started receiving notices to repossess my car and they had reportEd me being late on my credit report. After I contacted Credit Acceptance, they denied ever making the agreement. They tried to say I was talking with an employee that didnt know what she was doing. This is unacceptable and I should not have to suffer consequences because of an agreement made by your company. I continued to receive notices that my car would be repossessed and they reported to credit agencies that I was delinquent. I continue to make my payments on time and even caught up that extra payment. It is still reflecting on my credit report. They have caused me to have loans denied when I am able financially, I plan to pursue this legally. Please intervene so that my credit report gets corrected and so that no one else has to go through this. They have also been mean and disrespectful with me over the phone. This is no way to conduct business!!!
Consumer complaint received 2020-08-26
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. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I have been disputing my account balance for years now because the balance isnt matching up with amounts paid, the balance is incorrect, i requested debt validation and they sent me what they had but then stated that they could only send me what info they had while they serviced the account, which means they are missing 6 years of payments, fromXXXX through XX/XX/2012, which means this debt can not be validated and they have willfully non complied for at least 8 years of them servicing the loan. They also refused to stop billing or reporting this account while i am disputing the account balances.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

I paid my mortgage online before the XXXX. I received an email that I was hit with a late fee during this COVID 19, and I was also locked out of paying online. I took a screenshot of the message ; PHH Mortgage Services has a ruthless practice of this that has been going on for YEARS! I am sick and tired of it..they also charge a fee if you pay online. my other mortgage company does not do this practice. I own 2 homes. Please have them stop this bad practice so ppl can continue to pay their mortgage.
Consumer complaint received 2020-08-18
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$610.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$670.00} XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$670.00} XXXX XXXX  XXXX {$1200.00} XXXX   XXXX XXXX {$670.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX   XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (TN)

I have been receiving calls from phone number XXXX since last fall. When I try to call the number back from my regular phone number it says it's not a working number. They call about once a week the call is mark spam it goes to my voicemail and they do nothing but say my name and hang up. They just say XXXX and hang up so this is been going on yeah since last fall I have it in my voicemail since XXXX of 2020 and it happens about once a week I finally figured out a way to find out who it was and what they wanted because I downloaded an app called XXXX and use the phone number associated with that to call XXXX and I found out the name of the company is Kinum and they are a debt collection agency based out of XXXX. This is very harassing and concerning that they would go to this level and I don't even know what this is for ...
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc (TX)

I purchased a new Harley Davidson motorcycle in XX/XX/2020. I was excited to get my first bike despite no one informing me of their Military Purchase Plan which has XXXX money down and very low interest rates. Despite having a credit score of over XXXX I got financing for a $ XXXX XXXX through Harley Davidson Financial at a rate of 19.5 % and 72 months with a monthly payment of {$600.00}. Then Covid hit and I had many more expenses than before. I also was given new orders in XX/XX/2020 to report to XXXX XXXX in XXXX from XXXX XXXX in XXXX.All my payments were made on time until XXXX when I requested a forbearance for XXXX and XX/XX/2020. I kept getting phone calls from an unknown number and finally in XXXX Harley Davidson threatened to report me to my superior if I didn't make 2 payments. 
I contacted Harley Davidson several times trying to understand why they reported me 30 and 60 days late during the forbearance. I spoke to 4 different individuals and was treated poorly by several of them. I was being told that I have been negligent in making my payments and was even told that at one point my loan was over 90 days late! They all confirmed eventually that the forbearance was for XXXX and XXXX but failed to explain how it was overlooked and then billed for it. My final conversation was from XXXX who told me that the forbearance was for XXXX and XXXX yet they still show my credit report as being 30 days late in XXXX and 60 days late in XXXX. These lates have seen my credit report drop 100 points and they refuse to do anything about it. I asked about a refi to a lower rate and was denied immediately and I also asked who would refinance motorcycles and no one could give me a name yet Iron Horse is part of Harley Davidson and I was never given their information. I have repeatedly informed them of my financial hardship but they do not care nor are they giving accurate information that changes constantly. They claim to have recorded phone conversations and I would like my recent ones requested because they admit to what I am disputing.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One still has not provided me with all the information I have requested. I have submitted a XXXX Police Report and am in the process of filling out the packet for proper ID Theft Submission. Per the original request, I wish a paid in full letter sent to me by this company. Incident Report XXXX Police XXXX - XXXX attached. 

Capital One - ( {$430.00} ) ( certified Validation letter ( s ) etc. sent ) Company refuses to provide valid full information regarding the fair credit reporting act ( original application etc ). I provided this company with a notarized affidavit. Company Letter ( s ) Note : I am responsible for all charges after investigation, information regarding " how '' the investigation ( s ) were handled was denied. ( by phone )
Consumer complaint received 2022-08-20
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. (LA)

Ive had term oil & hardship from these inaccuracies on my credit. 
The open & close dates are wrong & its still reporting a balance all of which is against the law
Consumer complaint received 2021-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (RI)

The demo was {$300.00} submitted through speedy cash.com in 2010. The amount owed is {$630.00} which is the wrong amount. This has been on my credit report for longer than 10 years and I want it deleted.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I paid off the Current Balance of my Capital One Walmart Mastercard in the amount of {$5400.00} on XX/XX/XXXX. On XX/XX/XXXX they added {$60.00} in interest to the account. When I called and spoke with 2 different representatives about this, they indicated that the " Current Balance '' as shown on the website isn't quite correct as it doesn't have the " daily interest '' accrued and showing on there. When I asked the first representative who I could speak with regarding this, he transferred me somewhere that had about a 20 minute wait. I hung up and called back as I'm at work and don't have that long to stay on hold. The second representative repeated the same things that the first one did, and when I asked who I needed to speak with or write to, he said he didn't know, and asked me who I wanted to talk to about it. I told him I wanted the account closed immediately and that I would pay the {$7.00} that I agreed I owed today, online. Which I did. 

What I need to know is who can assist with removing this {$60.00} interest charge? This is not the only account, not even the only Capital One account, that I paid off. However, it is the only one charging me interest AFTER I paid off the account.
Consumer complaint received 2020-08-05
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$220.00}
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

On my XXXX credit report it says that i owe CONVERGENT OUTSOURCING XXXX from XX/XX/2018 from a XXXX bill. I called XXXX and they state there is no record which could mean the debt was sold. I have not owned a XXXX phone since XXXX i have sent verification of that fact and 3 months ago i contacted CONVERGENT OUTSOURCING and asked them to please verify this debt. I wrote them a letter, i sent an email and i called their customer service line. They have still not verified this debt. Since i have not heard anything back from them I disputed this debt with XXXX. XXXX in turn states that they have validated this debt. I call XXXX and ask could i please have a copy of the validation they received and they state no its private information. No one will give me anything to validate this debt and yet it stays on my credit report and XXXX  refuses to remove it.
Consumer complaint received 2022-06-28
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. (MO)

I recently received a copy of my consumer report and I noticed that it XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX is reporting my experience with your company. The line of credit or experience that I have with these companies is characterized as utilization and is being reported on my consumer report. Your company is illegally reporting this experience ( utilization ) on my consumer report. Your company is in clear violation of the law. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions or experiences between the consumer ( ME ) and the person ( YOU ) making the report SHOULD NOT BE INCLUDED on my Consumer Report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not to be included on the consumer reports. You have violated the FCRA 15 U.S. Code 1681a 2A ( i ) by reporting this transaction or experience ( utilization ) on my credit reports which Congress clearly states IS NOT included on my Consumer Reports. You have 10 calendar days to delete all utilization of the above accounts from my consumer report. Failure to respond with deletion of the above utilization will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent non-compliance 3. Civil liability 4. Mental anguish 5. Violation of Fair Credit Reporting Act 15 U.S. Code 1681and 15 U.S. Code 1681n - Civil liability for willful noncompliance
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (SC)

I have proof that my payment was made many days prior ( 9 days ) however, XXXX XXXX XXXX delayed sending the payment out to Chase. 
Unfortunately, I am the middle whos Credit report is affected. Please take a look at the timing of the payments that were deducted from my personal account. Thats date was XX/XX/XXXX. 
XXXX XXXX XXXX excuse that was explained to me was that they couldnt send it in a timely manner the due to the fact that the chase due date fell on a weekend. How is that my problem? 
It was only my responsibility as the customer to make that payment XXXX XXXX XXXX in enough time so that the process can take place. And thats exactly what I did. 

As a matter of fact, I started the process on XXXX XXXX weeks prior before the chase due date of the XXXX. 

But for reason unknown to me, Chase kept denying the payment and the program, and the 2 companies couldnt agree on the terms. 
Unfortunately, Im the person who has to bear the weight of a mistake that XXXX XXXX XXXX made. Whether or not it was a mistake, the bottom line is it affected my credit in a negative way. 

As you can see, my payment history is stellar, and as a veteran, this 30 day error prevents me from obtaining my VA loan.