davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
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. (IN)

Transunion And XXXX have bothered refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. TRANSUNION and XXXX  HAve DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX   XXXX/XXXX. The credit reporting agencies transunion and XXXX both have failed to answer my request. The companies just send me a scripted reply and then tell me to reach out to the company that has given them incorrect information. Then the company will tell me I need to contact the credit reporting agency. Transunion and XXXX have meticulously and continued to report inaccurate information that I have advised them is incorrect which is a violation of federal law and my rights.
Consumer complaint received 2021-03-31
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: Experian Information Solutions Inc. (NM)

I made large payments to two of my XXXX XXXX XXXX. I paid off one of them and paid half of the balance of the other. As soon as I paid off the card or paid a large amount, they lowered my credit limit. I DO NOT need more credit ; however, them doing so has led to negative reporting on my credit report. XXXX indicated that they do NOT report to credit agencies but that Experian gathers the information and reports for them. If they do NOT report, how do the agencies such as Experian get my information? They said I may have been late on a payment during the last 48 months - 4 Years. When they lower my credit limit, they lower my credit score. This is the ONLY credit card company I have ever used that did this to me. Again, I do NOT want more credit, I want the negative reporting removed. My card ending XXXX has NO balance and has been paid off a number of times. I have paid MORE than the minimum payment on the card ending XXXX for a long time ; in fact, the last payment was {$6500.00}. This is unscrupulous and dishonest. Please see the attached letters where chase indicates that they did not report my cards as being delinquent. How else would it show up on a credit report, then?? The fact that XXXX can hurt people like this is wrong. NOT ONCE was I late or failed to pay a statement during Covid-19.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have 3 credit cards w CapitalOne. All three were set up on auto pay. One had a XXXX balance for over 6mos and apparently was removed from auto pay due to inactive status ( that is what I was told by customer service ) I called when I happened to find out I had delinquency reported on my credit report! I was told if I could pay the balance which stemmed from a {$59.00} annual fee that I didn't realize had been assessed, that the interest and late fees would be refunded. I also inquired about the delinquency on my credit report and was told if I could pay the {$59.00} in full and bring the account up to date, the late payments would be reversed and CapitalOne would notify the credit bureaus. It has not happened yet, I called back to check the status of the reversal of late payment reporting since I was not made aware of the removal of auto pay and was told Capital one would not do that. I was misled in order to make the payment. Quite deceptive and unfair of them to report me delinquent when I was not aware of the removal of auto pay. As I mentioned, I have 3 accounts w CapitalOne. The other two get paid automatically monthly with no delinquency, so I believed my third account was ok. Plus I didn't receive calls!! I only learned about it from my credit monitoring service! Please help me get the late payments reported on my credit file removed! This is an example of unfair, deceptive, AND abusive acts and practices by CapitalOne to try to get me to pay ... which I would have paid anyway! I have larger balances that I pay on time with them. Why would I skip out on {$59.00}?!!? Hurting my credit score unfairly!
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I filed a previous complaint against the company XXXX XXXX XXXX. The complaint # is XXXX. They responded saying they were going to stop the collection actions and report to the credit bureaus to remove the debt. They have not done that and not only have they not done that, they have sold the fraudulent debt to another debt collection company whom is now also reporting this debt to the credit bureaus. The new company is " Convergent Outsourcing ''.
Consumer complaint received 2021-10-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Greetings, Im writing to you regarding a violation committed against me by the Capital One Auto Loan Department. On XX/XX/XXXX, I attempted to appraise and sell my vehicle at XXXX 6 days prior to moving from California to another state. This is a vehicle that I refinanced with Capital One 15 months ago on XX/XX/XXXX. Upon refinancing last year, I had read on the Capital One website that they would handle the updating of my lien holder on the vehicles registration and I would not need to take any further action. 

However, on XX/XX/XXXX, after spending 3 hours going through the appraisal process and initiating the sale, I was informed by XXXX that they could not purchase my car. They explained that this was due to my vehicle registration not having CapitalOne listed as the loan company. My registration still had the previous loan company listed. Despite having refinanced with them over a year ago, CapitalOne neglected to perform a basic action that they claimed was a part of their services on the company website. 

Upon calling Capital One customer service regarding my inability to sell due to their inaction, I was informed that they could not update the lien holder on my registration until I faxed them a Power of Attorney representing the lien holder change. Per Capital One, the process of finalizing the update would take about 2 months. However, I was never notified by Capital One about the need to file a Power of Attorney since I refinanced with them in XXXX. Throughout the entirety of the past year, they had XXXX communication with me regarding any action I needed to take to initiate this process. 

It is urgent that I move promptly to care for my ill family members. The aforementioned hindrances to selling my car have prevented me from moving on the date I planned, XX/XX/XXXX. The earnings from selling the vehicle were to be a part of the necessary funds for my moving expenses. I am now required to decide between delaying my move and taking my car to a new state, which would add significant moving expenses. 

Capital Ones prolonged lack of communication and customer service have disrupted my moving plans and my ability to be there for my family in a time of need. In addition to making the life of myself and my family extremely difficult for the next 2 months, they informed me that I would still need to make full monthly car payments, including interest, to them for these 2 months. As a result of their apathetic approach and failure to keep me informed about the lien change process, I will be required to make 2 or more additional payments on a vehicle I no longer intend to use. Id greatly appreciate your correspondence regarding any disciplinary action that can be taken to address the companys dishonesty and financial exploitation throughout the loan process. 

Best Regards,
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (FL)

I applied for an extension of credit on XX/XX/2022. I was denied and received my adverse action letter on XX/XX/2022 stating that I would not be granted any other terms or credit. The action was based in whole upon negative and inaccurate information in a consumer report obtained from XXXX in which I have disputed. That information can not be used to determine an extension of credit as it is unlawful to discriminate based on any aspect of a credit transaction that was done in a good faith effort to apply and be extended credit. I contacted customer service on XX/XX/2022 requesting the reasons why I was denied besides info in a consumer report and was told I can not speak to anyone else and the decision was final. I filed a complaint with the FTC and the report number is XXXX. I now have an inquiry on my report as of XX/XX/2022 that is not associated with a firm offer of credit from Mercedes Benz financial and never gave anyone permission to report this inquiry as I have received no credit or benefits as of XX/XX/2022. Any and all proceeds, debentures, and dividends generated form this transaction should be sent to the address listed on the application.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I requested my free credit report from Equifax in XX/XX/XXXX. I found inaccurate address and phone information. I opened a dispute and sent supporting documents. At first they told me they could not locate my credit file, then they sent a dispute resolution in which the fraudulent address was removed, but the outdated phone numbers remained. I wrote back and they sent another resolution which stated the fraudulent address was removed, but the included file showed the fraudulent address listed as " previous address reported XX/XX/XXXX '' and my current address as being " reported XX/XX/XXXX '' ; also the inaccurate phone numbers remained. I wrote again, and received another identical reply. I wrote again, and received an identical reply but with ALL phone numbers removed including my current, correct one. I wrote again, and received another identical reply dated XX/XX/XXXX but with the reporting dates of addresses moved up to " XX/XX/XXXX ''. I also received, dated XX/XX/XXXX, a letter stating that they could not locate my credit file because I had not provided documentation of my current address. This is untrue ; with each communication I have provided copies of my current, valid drivers license, social security card, and phone bill. I have lived at my current address since XXXX and there is no reason to report any former address, especially an incorrect one. This fraud originally occurred in XXXX and I thought it was resolved at that time, but apparently it was not. The company refuses to tell me where they are getting this fraudulent address information. They also refuse to allow me to access my reports online. When I call them on the phone, they inform me that they can not determine who is the legitimate holder of this account. I believe I am being impersonated by another, malicious individual and have provided documentation in support of this.
Consumer complaint received 2023-01-18
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. (GA)

In accordance with fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (AZ)

I made a payment to Discover Card to pay my balance in full using XXXX XXXX bill pay service. I had deposited a large check, so XXXX XXXX put a 5-day hold on the funds ( other than for the bank to use my money, I don't understand the purpose of this ). The funds were to be available XX/XX/2019, so I scheduled payment to discover ( along with payments to all of my debts ) for that day. Discover received my payment early and deposited the post dated check which then bounced. My bank charged me {$38.00}. 

Neither Discover nor XXXX XXXX will accept responsibility for this problem. I am out {$38.00} and I have a blemish on my payment record with Discover because my payment was late due to this check which should not have been deposited early and in turn should not have been accepted early. Discover blamed the problem on automation ; while XXXX XXXX blamed Discover.
Consumer complaint received 2023-06-01
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. (WI)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XXXX XXXX XXXX XXXX XXXX  IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Consumer complaint received 2019-03-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

We started proceedings to rid ourselves of two timeshares in XX/XX/2017. XXXX XXXX was given {$10000.00} to get us out of the unwanted timeshares Their Phone # XXXX. XXXX XXXX. I spoke to XXXX and was told " do not pay the credit card for XXXX ''. 
The credit card amount of is {$600.00} as you see I made a payment of {$120.00} before we started proceedings. XXXX gave a discount if you used the XXXX XXXX  credit card. So we set up the credit card. After going to XXXX we were bombarded by their sales people to buy more weeks for 8 or more hours, which took up so much of vacation time that we decided to get out. When we were originally bought into XXXX they told us the resort timeshare " could be given to our children. ". No mention of my children would have to take them. We asked our 2 boys if they wanted the timeshares they both said absolutely not.. So we stopped payment of Card and we began getting calls from Portfolio Recovery XXXX. They have been calling weekly, even after telling them to call my Lawyer. Along with other unwanted calls and robo calls my phone is constantly ringing. I am to the point that I don't even answer the phone. I made a recording telling people to leave their name and phone number just so I don't answer the phone. All this trouble with Portfolio Recovery, my credit score was close to XXXX now it is down to around XXXX. Anyway the calls from Portfolio Recovery are really stressing me out. It is a shame but I have a small business and probably miss a lot of customers because I am tired of all the call. There are some if you answer the phone their is silence and no-one on the phone.. I should also tell you I fell off a later in XXXX was hospitalized twice and am still recovering. Which also makes it hard to answer the pone when they are unwanted calls.
Consumer complaint received 2021-03-24
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. (TX)

Equifax Information Services, LLC, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - 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.

15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

I received a notification from XXXX that someone tried to open a new credit application with Macys on XX/XX/2022. It was a match for my name, social security number and date of birth. I am not sure if they were successful but I will call Macys when they open.
Consumer complaint received 2023-04-02
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. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.