davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance XXXX shows open, its closed due to no payment went through divorce he was suppose to pay it but its closed Also there was another account open for same credit company, the same exact date for XXXX. XXXX took the one off for XXXX transition did not. I believe they should both be taken off due to the incorrect information being on my credit report for so long and me constantly having to find ways to get them taken off. 
Date opened was XX/XX/2018 same as the other one from XXXX XXXX XXXX  back and they both still say open. How can it be open when the account cant be charged on and it was closed? They refuse to take it off no matter what I dispute on it
Consumer complaint received 2022-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (CA)

On XXXX, my spouse and I both received certified letters from Huntington National Bank that our mortgage was nearing foreclosure. Having no knowledge of an account with Huntington, the only way to discern that this might be real rather than junk mail/a scam was the certified mail postage stamp on the envelopes. 
After a XXXX search, I learned that XXXX XXXX  were recently sold to Huntington, and inferred that maybe our HELOC loan was one of them. 

My spouse called the XXXX number on Huntington 's letter the following morning ( XXXX ), paid the full amount, and is in the required paper-and-pen process with Huntington to set up automated payments. Huntington informed us that they have dinged our credit marks for the five months that they were unknowingly our lender. 

Prior to XXXX, we did not receive any communication from XXXX nor Chemical Bank who were processing our HELOC loan payments. Additionally, we had automated payments setup on our account which were not migrated to Huntington Bank. 

As such, we are disputing any negative credit mark that has been assigned to our credit reports during this period with an expectation that they are resolved in a timely manner. 

Thank you.
Consumer complaint received 2022-06-04
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: EQUIFAX, INC. (LA)

After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ), XX/XX/XXXXXXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy. 
15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any account without my written instructions.
Consumer complaint received 2020-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX, Transunion and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter and can't move on in life with these negative items reporting..
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-03-04
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. (NC)

This complaint is in response to a previous complaint I made against Equifax on XX/XX/2021 case # XXXX. In my initial complaint which I will attach for reference, I sent Equifax a dispute demanding alleged accounts be deleted from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Pursuant to 15 USC 1602 ( l ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction being disputed with Equifax. These disputed transactions should be removed from my consumer report immediately pursuant to 15 USC 1681a ( 2 ) ( B ) as they are in violation of my rights as a federally protected Consumer under Title 15 Chapter 41. I mailed Equifax this correspondence which they received XX/XX/2021 and here it is now 2 months later and I have not received the results of my dispute. My reputation has suffered tremendously from the reporting of these fraudulent accounts. Equifax is civilly liable pursuant to 15 USC 1681n so once again I am demanding that these alleged and disputed accounts be immediately deleted from my consumer report and I am demanding to be compensated for each disputed account in the amount of {$1000.00} per disputed account totaling {$15000.00} and I would like this compensation via check.
Consumer complaint received 2023-03-23
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. (TX)

i have reached out to all 3 CRA 's and they have violated me yet again. I have old address and information that does NOT belong on my report. I t is to be removed NOW or I will be filling out a fruad report with the FRCA, Inspector General of the US as well as a police report for identity theft. Any name that is NOT XXXX XXXX XXXX and any address that is NOT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX MUST be removed from ALL of my reports.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

My issue is with my BJs credit card from Comenity Capital Bank. The credit card rewards program is 5 % back on most BJs in store purchases. For several years, the program worked great. Every {$200.00} spent, I would see a {$10.00} award to apply to my next purchase. This all changed in XX/XX/2022. Since XXXX, I have not been getting any rewards. I reached out to the bank on several occasions. They admit they are working on it. Updating their system is what they say. But this has been going on for over 2 months. My awards are being held hostage, and the customer service keeps stringing me along saying we will have this corrected by x date but nothing happens. I have called the BJs membership customer service line. They too are perplexed and frustrated and have heard hundreds of the same complaint.
Consumer complaint received 2022-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (SC)

Ally Auto. In the beginning I had problems with calls about other clients because their last name was like mine XXXX. It hot so bad the gentleman got mad because of the questions I was asking because I felt they were cheating me and there has to be an American and Foreign company. I get calls about stuff anyone that can bring up my account should see. I was even told that I had 2 accounts. When I argued that, the next morning my car was repossessed and it cost me over {$3000.00} to get it muddy..items..money stolen..flat tire. There was {$400.00} plus dollars applied to my account towards interest because the didn't expect it. Well I didn't send it. Then it was from a claim against Ally payout. Lie..now my bank account is being over drawn because they told me in XXXX that my Catchup Plan was canceled because the payment of {$630.00} was returned. I called rep told me that the payment was taken in XXXX because there wasn't enough time between XX/XX/XXXX to XXXXXXXX XXXXto stop the withdrawal..Lie. For the last 3 months they have been overdrafting my account... calling me. I caed back for XXXXonce I started telling XXXX what was going on he hung up on me. No call back yet. If you look on their Messenger page I have sent multiple messages, all they say we passed it on. Yesterday a female from the Foreign company called asking me for {$900.00} I let her have it. At 1st it was {$1500.00} .I paid {$500.00} on XX/XX/XXXX after they took {$630.00} on XXXX XXXXthen they turned around and took another {$630.00} on XX/XX/XXXX. I'm a 100 % XXXX, unemployable retired XXXX veteran. I only get what the government sends me. Ally has no integrity. Those employed lie on both ends. I have the full name, extention, date and time she told me there wasn't enough time to stop the withdrawal for XXXX.
Consumer complaint received 2022-04-18
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 USC 1681 SECTION 602 A States I have the right to privacy 15 USC 1681 SECTION 604 Section 2. It also states a consumer reporting agency can not furnish a account without written consent
Consumer complaint received 2022-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FinCo Services Inc DBA Current (CA)

I initiated a transfer from an account in my name to an account with a different institution, also in my name. I was originally given Friday, the XXXX of XXXX as the date this transfer would be complete. When the transfer still had not processed I checked via mobile app, the account at the receiving institution and the expected date for funds availability was now Sunday the XXXX. 
When I reached out to that institutions customer service they told me that it takes 3-5business days for transactions to process, which I let them know I fully understand, but that the q, as the funds were no longer in the original account as of Wednesday the XXXX. Both the original bank as well as the XXXX had processed the transaction and it had been sent on to the receiving institution. That institution claimed they did not have this transaction and that I had to wait because of the XXXX process. I attempted multiple times to speak with a different person or supervisor who wouldnt given the same copy and pasted response. 
I even showed the rules & regulations set forth by the XXXX that are aimed at expediting transfers. The receiving institution gave shallow and pedantic responses as well as feigned sympathy. My funds are still unavailable to me at a time of great need. The receiving institution has done nothing to assist or even look into releasing funds that they have full control over at this time. They are hiding behind a public misconception that XXXX institutions and workers are the reason for the slow down and it is completely unacceptable. Thank you.
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (VA)

I am working on fixing my credit and not sure why this shows on my XXXX XXXX report only. XXXX  car insurance is the company. Dont know account number or contact to sort this out with them. Looks like a months premium of {$110.00}. Not sure how to remit or remove to get my report to boost up. Never got a mail or call from them to remit and its already discharged hurting my report. Need to get this adjudicated please.wasnt aware of this until I checked XXXX report. Thank you!!
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

This debt was paid in full with the original company, XXXX XXXX, on XX/XX/XXXX. I have attached proof from XXXX XXXX that the account now has a zero balance, and that the amount Helvey & Associates is claiming I owe on my credit ( {$410.00} ) was paid on XX/XX/XXXX.
Consumer complaint received 2021-02-23
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. (NV)

I am filing this complaint due to lack of compliance within the allowed timeframe from the Credit Bureaus. Please remove the following accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

Dear collection agent, I noticed a negative reporting on my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your crediting reporting does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission toXXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Consumer complaint received 2023-05-27
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. (TN)

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 : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (SC)

My wife had the responsibility for making the mortgage payments. I had no idea of the delinquent status of our loan until I was served with the foreclosure suit. Ive determined that my wife has been suffering from some sort of XXXX XXXX  and doesnt understand the gravity of not making mortgage payments timely. 

My wife indicates that she had previously requested forbearance under the CARES Act. After the foreclosure paperwork was received we received a demand for full payment of the loan. 

After receiving the foreclosure notice My wife applied for a mortgage assistance program and it took over a month to receive a denial with only a couple days left to appeal. 

The denial letter was dated XX/XX/XXXX. It was post marked XX/XX/XXXX. It allows 15 days from the date of the letter to appeal. 6 of those days expired BEFORE the letter was even mailed! 5 more expired while the letter was en route. 

Ive assumed responsibility for making mortgage and insurance payments for our family. I immediately began making payments of {$300.00} every two weeks via postal money order. I tried to establish a direct payroll draft but Midland has blocked that option for me. My payments were never posted to my account and returned by Midland. 

Midland posted a Deed in lieu of foreclosure on my credit report. At NO time did I consent to such an agreement. 

Ive provided proof of my income of over {$100000.00} per year to show my ability to make the mortgage payments. Ive been employed at my current employer for over XXXX  years so interruption of my income is not likely. Direct payroll draft would ensure that payments are made timely and regularly. 

I have a XXXX savings ( XXXX -type ) account with a balance of over {$170000.00}. I will not be eligible to withdraw funds until early XXXX when Im XXXX XXXX. My intent is to fully pay off the mortgage at that time. I will double-check with the fund to see if they have a hardship policy for foreclosures that will allow me to bring the account current. 

I am fully ready and willing to resume regular payments of our mortgage. Midland Mortgage refuses to accept the payments. They seem to be on a fast track to sell my home. 

In light of Midlands unprofessional handling of this process and unwillingness to allow me to resume regular payments Im beginning to believe that their intent has always been to seize my home and somehow profit from misery by creating another homeless veteran.
Consumer complaint received 2022-06-17
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 an account without my written instructions
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Due to job loss, my husband and I were unable to pay our credit card minimum balances. My husband was recently hired for new job and we were able to get current on our cards. We asked that the late payments be removed and that the credit card be updated to " Paid As Agreed '' on our credit reports. They declined to help us due to the Fair Credit Reporting Act. However, only five years ago, we went through similar hardship, made a similar request, and it was granted. We want the late payments removed from his credit report as well as the accounts to be updated to paid as agreed.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

There are incorrect address that have not lived at for XXXX yo or address I never lived at on credit reports. I have notified all 3 credit reporting agencies since last XX/XX/XXXX to update the information but is still incorrect from the last credit report i pulled on XX/XX/XXXX