davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, Transunion & XXXX ). 
I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MA)

At XXXX this evening I was contacted by XXXX at ( XXXX ) XXXX. An internet search says the number belongs to a bill collector company called Genesis Credit ManagemenXXXX in XXXXXXXX XXXX  He asked if I lived at ( XXXX... ) which is an address I don't live at. He mentioned that there is an outstanding charge of {$15000.00} in my name. He also called my father on his cell phone asking where I lived. This is completely inappropriate. I have been the victim of identity theft in XXXX and again in XX/XX/XXXX. I was alerted that a credit card was attempted to be opened in my name at XXXX, so I filed a fraud alert back in XXXX with the credit bureaus and my credit is frozen. Whoever charged the {$15000.00} dollars in my name was not me.
Consumer complaint received 2022-07-13
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. (WA)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There is an education loan on my account in the amount of {$10000.00} opened on XXXX. The loan was cancelled and immediately paid back in full to XXXX ( Loan Servicer ) on behalf of the Department of Education. There is a {$0.00} balance on the loan and has been for nearly a year now. I have contacted the creditor and they concurred that there is a {$0.00} balance and they have no idea why Experian is reporting a balance and / or refusing to fix it. 

InXX/XX/XXXX I disputed that entry into my credit report twice via their online app and supplied them with documentation validating a {$0.00} balance. I have my reservations that they even looked into the matter.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

I am so upset right now. My loan was transferred to PHH as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to PHH effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my mod is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the manager it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX  assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that PHH illegally reported my account as 120+ days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Had deposited a Manager 's Check for {$18000.00} on XX/XX/2022. The account can't be found in the mobile chase app after the XX/XX/XXXX weekend. I went to the Branch and dealt with an officer, branch manager, and fraud division. Spent over 3 hours on the fund with the Credit Union that issued the instrument and they said it was paid. The Bank officer acknowledges that the funds are in suspense but unless the fraud department talks by calling them they can release the funds.
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (CA)

I've been receiving repeated calls from a call center ( Convergent Usa : www.convergentusa.com ) that uses multiple numbers to get around spam filters. When I pick up the phone, there is no sound until I make a noise, and then I am forwarded to their call center where they pick up and automatically know my name. They demand that I confirm my name and provide information confirming who I am. They will not tell me what the call is about, how they got my number, or what their company does. I have asked for their business license to confirm that they are who they say that they are, but they won't give it to me. They say it's company policy not to give any information until they have confirmed my identity. Now, I'm trying to pay a debt to XXXX. When I call XXXX their phone tree connects me to an unknown number that someone picks up and says " this is the wrong number, call XXXX ''. So I do that, and I end up back at the call center that's been calling me. I've talked to a supervisor and informed him that it's against the law to call for debt collection and not state you are a debt collector before any communication. Yet XXXX XXXX, the supervisor I talked to said he still will not provide any information about his company. So my question is how can I pay my debt if I can not confirm that this company is legitimate? It's a direct violation of the Fair Debt Collection Act if indeed they are trying to collect a debt XXXX XXXX XXXX  XXXX : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

Of course, Convergent USA did not confirm with me what their company does, but their supposed website does have a payment portal, which indicates to me that debt collection is something that they likely do. XXXX XXXX also offered to take my number off of Convergent 's call list still without informing me what he was calling about. If this really is an attempt to collect a debt, I would want to know before you remove me from the list! How can I even pay my debt if this is the company that has it and they won't identify themselves?? Very very shady.
Consumer complaint received 2022-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

I opened a credit card with Lane Bryant ( Comenity Bank ) around XX/XX/2022. I never received the credit card in the mail, so I have been unable to set up my online account. They began calling me shortly after repetitively about the debt, numerous phone calls every day. Even after setting up my first payment I received another phone call about the debt just days after setting up the payment. During the summer I called their help line and paid off the debt and requested another card be sent to me so I could set up my online account. A couple weeks later I received a letter in the mail from the company telling me that my request for a new card had been denied, so I am still unable to set up an online account so that I can monitor the debt and make payments on it. While I have not used the card since paying off the debt this summer, somehow more debt has built on the card. Now I receive many phonecalls throughout the day. The first week they started calling me I had over XXXX phone calls from different numbers, and upon blocking several of them they began calling from private numbers that could not be blocked. They have been calling like this none stop ever since. Just this morning ( XX/XX/2022 ) I had XXXX phone calls before before XXXX. They call at all hours during the day disrupting my work and sleep. These calls have been coming in this manner for over a month now. I would set up an online account to pay my debt but the company has denied me the ability to do so, and I have not even received the credit card I signed up for, which was discussed with a company representative when I paid off the debt this summer, but I still have not received the item which is rightfully mine. Calling the company to pay the debt this summer was a very difficult process involving long wait times on the phone and a language barrier with the agent that made it difficult to resolve the debt. 
They have also sent me texts on top of all the constant phone calls.
Consumer complaint received 2022-07-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this 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 accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2020-05-30
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. (NJ)

Upon reviewing my account for inaccuracies I came across numerous fraudulent accounts that I have listed here. The accounts MUST BE removed because they do not belong to me. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. The fraudulent claims are as follows : XXXX XXXX XXXX   XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XX/XX/2020 {$1800.00} ; XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX {$430.00} ; XXXX XXXX XXXX XXXX XXXX {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$280.00} ; XXXX XXXX XXXX XXXX XXXX {$72.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$840.00} ; XXXX XXXX XXXX {$1000.00} ; 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 XXXX , XXXX XXXX.
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: EQUIFAX, INC. (PA)

Previous complaint filed : XXXX Equifax failed to respond to my dispute for XXXXXXXX XXXX. They only sent me a copy of my credit report and they continue to report account inaccurately and incomplete. They have failed to comply with the laws that federally protect my rights as a consumer. ( which they have had multiple opportunities to comply with ) According to the FCRA, consumer reporting agencies must investigate the dispute within 30 days of receiving it. 

15 usc 1681 e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also according to 15 usc 1681 602A I have the right to privacy 15 usc section 604A Section 2 : Consumer reporting agency can not furnish an account without my written permission, I did not given my written consent to furnish this account to my credit report. 

Tracking # : XXXX
Consumer complaint received 2022-07-14
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. (TX)

Transunion has inserted inaccurate data into my credit profile. An account that belongs to someone else. I have no business relationship with the reporting creditor. I have requested for a copy of any signed contracts on my behalf. I have not received any form of validation of debt from Credit Reporting agency or Creditor. I am a victim of Identity theft and suffering with wrongful derogatory data being reported into my credit profile.
Consumer complaint received 2021-10-15
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: ONLINE Information Services, Inc. (IL)

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Online Information Services Inc violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Consumer complaint received 2022-07-13
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)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-07-14
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: AMERICAN HONDA FINANCE CORP (NC)

I paid my XXXX XXXX account on XX/XX/XXXX of XXXX In American Honda Finance system it has me 30-59 days late saying I made my final payment on the XXXX of XXXX. When in fact that is not the case I have documentation proving that I was never late and in fact paid it on time. I've never been late with this company for the XXXX years I've had this loan and I'm just trying to get this resolved because it's unfair especially with me being a long time customer. I hope this can get resolved as quickly as possible because I was told no matter what time I make the payment as long as it's paid before the XXXX of XXXX I will continue being in good standing.
Consumer complaint received 2022-07-14
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. (NV)

When I checked my CFPB Complaints # XXXX, XXXX, and XXXX, I realized that you have closed my complaints last XX/XX/22. I am resubmitting my complaint again today to inform you that the 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2021-10-15
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 (NH)

2016 account was closed! I did a voluntary repossession and report says involuntary! Also account has been closed and company ( credit acceptance ) has added {$10000.00} to bill in the last year or two. I tried to settle for a few thousand a couple of years ago! That's when I found out that they had added {$10000.00} to the account that has been closed. And also that they are claiming it to be an involuntary repossession. All three bureaus say different things!
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 balance transfer
Company: DISCOVER BANK (MD)

I applied for a Discover card mid XXXX, about XX/XX/XXXX. At that point in the application process they asked if I wanted to do a balance transfer and I did so I filled out the online form with my information. I received the card in the mail 2 weeks later. I logged in to their website to activate my card on XX/XX/XXXX. It was at this time, my account was at a XXXX balance and my other credit card was still showing the full balance. There was no indication of anything pending in my account. It was this point I determined that during the initial application process they must have only been asking what my purpose was for applying for the card. So while I created an account and activating my card, I went through the process of doing a balance on their website. During the balance transfer process it was stated that the maximum amount I could transfer was {$8100.00} and that would include the balance transfer fee. So I initiated a XXXX balance transfer from XXXX Bank XXXX Discover Bank. I logged into my XXXX account the yesterday and noticed I had a negative {$6500.00} balance. Just this morning I reached out to Discover to find out what the issue was. And now this morning I noticed in my account that the first balance transfer when I applied for the card on XX/XX/XXXX posted on XX/XX/XXXX and this was 100 % not listed in my account on XX/XX/XXXX or else I wouldn't have done the second balance transfer. Discover told me I need to talk to XXXX to request a refund and they will not and absolutely can not refund the second balance transfer fee. This is absolutely their fault and I should be refunded this money. They misled me and delayed the process to get 2 transfer fees. The fees were {$220.00} and {$230.00} respectively. The second balance transfer posted in 2 days but the first posted 15 days later? That makes no sense. Even if there was a delay in the first balance transfer process, they did not directly indicate this to the customer. They are telling me they absolutely can't refund a balance transfer fee even though this was their mistake. If they can't refund my balance transfer fee then they can certainly give me a credit for the same amount. I will not be a customer of Discover any longer, if they don't fix their mistake.