davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TN)

There are 3 instances of this collections agency showing up on my credit report with 2 closed and 1 open accounts. There are NUMEROUS reviews online where the victims claim to have never visited the original creditor, implying the original creditor is non-existent, and it has been confirmed the hospital never having a record of him being employed there. I want all 3 fraudulent reports to be removed immediately and Online Information Services thoroughly investigated. I have sent two certified pieces of mail to the P.O box of Online Information Services, the collections agency behind this fraudulent act. Their address is XXXX. XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-05-17
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. (CA)

Having issue with XXXX XXXX XXXX, Experian, XXXX, and XXXX. It is true that I did fall behind on payments for my XXXX credit card and XXXX did assist in negotiating a settlement. However, after paying agreed settlement and receiving a statement that shows {$0.00} owed. XXXX XXXX refuses to report this to credit bureaus. I paid final payment of {$360.00} on XX/XX/23. I have filed multiple disputes with the each credit bureau to include uploading supporting documents that show balanced owed is {$0.00}. My bank statements showing date money taking out by XXXX XXXX XXXX, and copy of balance on XXXX XXXX XXXX showing remaining balance of {$0.00}. Each time file dispute XXXX XXXX XXXX just tells credit Bureau information of Remaining balance is {$360.00}. The credit Bureaus, particularly Experian have seen these uploaded documents but still decided to let remaining balance remain. It is as if none of them even looked at documents, especially the XXXX XXXX statement showing {$0.00} remaining. Im not asking for this closed account to be removed or any late payment history expunged. I should be held accountable and it should reflect on my credit report. However, the remaining balance should be updated to {$0.00} because I did pay and have provided proof, which I happily attached
Consumer complaint received 2020-12-07
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: ENCORE CAPITAL GROUP INC. (NY)

On XXXX XXXX,XX/XX/XXXXMIDLAND FUNDING LLC add a derogatory marks on my credit report perXX/XX/XXXX,XX/XX/XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WI)

On XX/XX/22 @ XXXX I went to US Bank Branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX to deposit {$300.00} cash and get quarters. At the time it happened to be quite a line so I decided to use XXXX of the ATM that are inside the Branch that are located along the wall to deposit my cash and then I would just need to go to the teller for quarters. I successfully deposited the cash in the ATM ID : XXXX. I received a confirmation email receipt. As I approached the teller I realized that my cash deposit had not been credited to my account yet so I asked him to check into it because he had just watched me deposit the cash. He was puzzled as to what happened but then I received another email saying the transaction had been reversed as if I did not deposit the cash. The teller tells me I have to call the main US bank line. I called them and the system continues to hang up when I call from my phone number. I called from another number and finally got an agent who says I have to wait until the transaction is no longer pending and file a dispute. I advised that this was a CASH transaction so it should be no PENDING to it!! I spoke to a supervisor who said the only other way is if the brand manager is able to fix it. I have {$300.00} cash now gone and no one has answers.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the past two years, I have been getting the run around from TransUnion regarding access to my Credit Report and Score.

First, they said that you could not view my report/score because they needed to verify my identity and requested to send them copies of my social security card and driver 's license. On XX/XX/2021, I sent them the requested information and a summary of the issue. 

Since then, I have called TransUnion several times to follow up, and every time I call, they give me a run-around and send me from department to department only to tell me, " we are working to resolve the issue, and someone will be in touch within 72 hours. '' However, nothing gets done, and no one calls me back. 

TransUnion has so much power over my creditworthiness and financial life. But, unfortunately, they are not reliable nor a responsible party to have this privilege. 

I would greatly appreciate any assistance you can provide to address this problem as soon as possible.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I purchased an invisible aligner for {$1800.00} on XX/XX/XXXX. Followed up the instruction for 18 months. No result at all. Called XXXX XXXX  and they said they will send me another kit. Never received it. Called them again on XX/XX/XXXX. Now my case is closed because they never received my impression kit. However, according to the record, it was delivered on XX/XX/XXXX, XXXX AM, XXXX, OH ( XXXX XXXX : XXXX ). I tried getting help from the Bank but they can not do anything
Consumer complaint received 2021-03-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

The company holds my payments after they receive it they take days/weeks to cash the check and apply it to my account. ( this happens every month ) The company charges fees with no explanation. 
The company claims that I have missed payments and that I am late however I have the documentation to prove that I have made all my payments. 
When I call the company and ask questions about payments and fees I do not get straight answer When I call the company, I am put on hold for long lengths of time and then I get transferred you to another agent. This has happened every time I have called. 
I do not have all the dates and times that I have corresponded with the company but it has been many times over the past few years after my loan was transferred to them. 
They post that my payments have been late since day one, Would like to know how they came up with that calculation. 
They send letters to my house stating I owe money and they can possibly foreclose.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. 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 2021-03-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (FL)

I entered into a consumer credit transaction with Regional Acceptance Corp. I received a letter from XXXX XXXX XXXX XXXX stating that this account has been sent to them for collection. Upon receiving this letter, an affidavit, debt validation and cease and desist letter were sent to the address provided on the debt collection letter. Also, after investigating this letter, I noticed there were violations and federal rights being disregarded against me as federally protected consumer. According to 15 USC 1692k ( 2 ) ( a ), in the case of any individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Consumer complaint received 2021-02-11
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. (TX)

I filed Consumer Financial Protection Bureau Complaint # XXXX. The complaints stated " See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady at XXXX XXXX 's President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX  XXXX will, as usual, label this complaint as a duplicate. I am relying upon XXXX  and Transunion to answer this complaint. '' I received the following reply today from XXXX  " According to our records, the disputed item does not appear on your personal credit report at this time '' This is incorrect since XXXX XXXX XXXX XXXX is still on my report..
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

Kia Motor Finance presented our check for {$12000.00} on XX/XX/XXXX - full settlement of the lease pay-off amount. We still haven't received the title. I have repeatedly called, contacted them via their secure messaging system and still haven't seen the title. Or a bill of sale showing the amount paid and itemising the tax.
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

hello I am attempting to resolve issues I am having with debts being reported on my credit report that does not belong to me. The creditors bon my credit report were made aware that I was a victim of identity theft in 2019. I reported the identity theft incident along with notifying the registering through the ftc, gov to file a report. I recently re- requested debt validation of the fraudulent debt being serviced by the bureaus and was instead sent a manila envelope where inside i found four months of a credit card statement from capital one that has my name on it. These photocopies are of an account that Ive never seen nor used. This print out was not from the current agency. They just sent papers from the previous debt servicer with my name and a previous address. This is not authentic proof to compel anyone with common sense into being secure in ownership The bureaus is attempting to collect {$480.00} from me. 
for a Capital one account they say ive opened. This along with other accounts were opened in my name during my senior year of high school. Not only are the trying to collect a debt I did not create, the company reuses to provide real debt validation information to include the original contract or affidavit showing that I allegedly signed to establish the account. It can not exist as this is idenity theft and not mine. 
They have the burden of proof. My rights have been violated, this account should reflect that it is in dispute. It does not that is a XXXX fine penalty. 
The account is being listed on all major bureaus improperly, as an open collection I have not established any credit or entered into a contract with them to have an open collection with the bureaus account. with a balance due. the deceptive way the debt is being reported is causing more damage than necessary. 

I ask that you help me encourage the bureaus collection agency do what is right and remove this erroneous information from my credit file. thank you in advance XXXX XXXX
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2023-04-02
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)

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. 
The following accounts has violated my rights : Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX  XXXX : # XXXX 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 2021-09-20
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. (VA)

I am filing the complaint against XXXX, XXXX, and Transunion because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you
Consumer complaint received 2020-12-07
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ability Recovery Services, LLC (PA)

i have contact this agency via a dispute i dit, this loan i never get any paper word or deb note for collection, so i can appeal or pay or find out why i old this much, Also this deb should be on loan for forbearance since the national emergency covi 19 pandemic, but they still report this to my credit as a collection account. 

all this steps they take are illegal.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Yamaha Motor Finance Corporation USA (AR)

I paid my loan ( credit card ) off with Yamaha Financing in XXXX. I contacted them on XX/XX/XXXX to inquire about my refund for an over payment. They stated there was no issue and it would be on the way. XX/XX/XXXX I called back because I still have not received my funds. They stated that the person on the XXXX never started anything toward my refund. So the XXXX XXXX  started it the process. Told me it would be XXXX weeks. On XX/XX/XXXX I called and spoke to manager XXXX and told him it had been 6 weeks and I still had not received my refund. He was going to expedite my complaint to the correct department. On XX/XX/XXXX my statement shows the funds were cleared. I called on XX/XX/XXXX because the check had still not arrived. XXXX told me I had to wait the full 30 days which was XX/XX/XXXX. I waited till today XXXX and called and spoke to manager XXXX. He states he can see where the account cleared, but can not see a check number, and will have to submit a request for a manager to call me with XXXX hours. This is extremely unacceptable. They charge me interest on money they loan me, but they hold my money way longer than necessary for a refund and dont give me any interest. They have a severe lack of communication in their association and I feel like Im just being dismissed.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2023 i sent letters is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 30 ) days of the completion of your re-investigation15 U.S. Code 1692e - False or misleading representations
Consumer complaint received 2020-12-07
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. (VA)

On XX/XX/2020, I disputed an account for XXXX XXXX to Experian. Experian replied with credit report dated XX/XX/2020 report # XXXX shows the item was deleted from my credit file. Now the item has been reinserted on my credit report. I sent Experian a letter on XX/XX/2020 advising them in accordance with the requirements of the FCRA, I hereby requested their complete compliance with all the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to the insertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be inserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ) a consumer reporting agency shall provide to a consumer in writing no later than 5 busin
ess days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted.

( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 



I received NO such notification. This is a serious violation of the FCRA After I send the letter to Experian, they still have no removed the account
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have a credit card with Capital One and am hoping to pay off the entire thing. I paid my entire balance ( {$9900.00} plus change ) and my balance became zero. My statement then showed a balance of {$200.00}. I was told this is from a previous balance. My understanding of the CARD Act leads me to believe this practice is against the law. 

Furthermore, I requested the exact amount that I needed to pay to be completely free of debt from Capital One and I was told by the customer service operator that she was unable to provide me with that information. It seems like an act of fraud that a creditor refuses to tell its consumers how much they need to pay at a given moment to be completely free of debt.