davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Grant & Weber (CA)

Hello, This is a formal complaint against Grant and Weber. The debt collection of {$530.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the 1st for the past 6 months to ask to please stop calling other people around me. I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Grant and Weber has continued to get information from a third party for me to pay the debt. Violating their privacy and others. Under the Hippa law protection, Grant and Weber has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Grant and Weber has violated laws in trying to collect a debt. They have broken the rules when trying to collect a debt.
Consumer complaint received 2020-10-10
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. (TX)

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

these companies have re-aged all my '' alleged accounts ' Totaling to a {$10000.00} plus LAWSUIT for all the re-aged accounts.

I have tried to correct this issue with them several times and they refused to remove the information from my credit, i have consulted an attorney to work on my behalf for the damages brought to my credit report.

I have also enclosed the letter i sent to all three companies, they have yet to respond and its been 60 or more days.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

At XXXX, Equifax refuses to provide an online credit report and instead requires the individual to go through the US Mail to request a credit report. 
There's no technical reason for subjecting a person to this inconvenience in order to obtain their own information, as required by federal law.
Consumer complaint received 2020-06-30
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. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : {$4300.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2015 ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Joint Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (TN)

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Westlake Services Inc will be civilly liable under Title 15 U.S. Code 1692k if Westlake Services Inc failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person
Consumer complaint received 2020-10-10
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. (NY)

I

have several issues with how the department of education default resolution group is reporting my student loans. 1st the originator of the loan reported it as one tradeline. The subsidized and unsubsidized portions are parts of one agreement and interest and terms were a  package deal. See credit report showing fed loan Servicing reporting ONE tradeline for a to
tal of XXXX  and change.

The depa
rtment of education default resolution group is reporting TWO tradelines that add up to original loan amount. The document attached was found on the Department of Education website and defines some ground rules regarding CONSISTANCY, servicers required to use same basic framework, Borrowers and
creditors will be able to follow payment history easily, even when servicers change ( XXXX XXXX indicates a transfer but does not say to whom ... default resolution group does not indicate it was transferred and even further deliberately disguises it by splitting and giving different account numbers misleading creditors to believe they are 3 unrelated trade lines instea

d of one that was transferred. This is an inaccurate representation of my credit. ) In addition The default resolution group has continued to add charge offs to a closed account! This is against fair credit reporting. If lates do not begin till 120days and closed within one year there could only possibly be 8 charge offs with them. Even if they reported lates or charge offs at 30 days it would be a maximum of 11! See picture showing 32! I believe they are trying to report for time t
hey did not even own the debt! 
XXXX XXXX XXXX reported their own lates/ charge offs. This is double jeopardy.

Retention in NY is 5yrs instead of 7. Please remove. You can verify this with the bureaus directly.

Furthermore I was given an ultimatum to accept a quid pro quo deal. They will only correct how they are reporting if I rehabilitate the loan. I do believe this is against the law. I will file a foil request to get a copy of conversations that representatives made this offer again and again. 
XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2020-10-10
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. (NE)

Credit report is displaying payments of ; on time ( XX/XX/XXXX ), 30 delinquent XXXX XX/XX/XXXX ), 60 days delinquent ( XX/XX/XXXX ), 90 days delinquent ( XX/XX/XXXX ) and 120 days delinquent ( XX/XX/XXXX ). Then shows on time payments on XX/XX/XXXX and XX/XX/XXXX. Account was closed XX/XX/XXXX and last payment was made XX/XX/XXXX. A letter was submitted to the credit reporting agency when they " updated '' the account and added the on time payments of XX/XX/XXXX and XX/XX/XXXX. My last submitted dispute/documentation was sent to them XX/XX/XXXX but this was addressed three times in the past.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Its a pandemic and I was late a couple days on my chase credit card, i didnt know there was a pandemic assistance before it happened and I had just lost my job and was waiting on EDD benefits to be approved to be able to pay my credit card bills Ive submitted a goodwill adjustment in hopes if getting it removed due to me being affected by a pandemic
Consumer complaint received 2020-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

On XX/XX/2020 I received documentation from an unknown student loan servicer " Navient '' who will not address my concerns about this demand for payment without producing an original promissory note etc. ( view my attachment letter ). Navient has been misleading, reluctant to address my concerns, deceptive and attempts to collect payments without verification of debt.
Consumer complaint received 2020-10-10
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. (TX)

My last 4 of my social is XXXX. I checked my personal credit report and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Also, I have attached a copy of my passport, social security card and utility bill with my current address for your files.
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America sued me without proper notification. Bank of America never made an attempt to talk with me and to understand my situation and to work with me. I had an ongoing relationship with Bank of America for 22 years and a history of paying my debt. I a carried full outstanding balance on the credit card for a number of years, used all my savings from my XXXX K and made every attempt possible to honor my debt. Bank of America used its unlawful collections practices to freeze and delay my employer payroll salary payments to my Bank of America checking and savings account. I closed my personal checking account with Bank of America due to its tying process with Bank of America credit card collections group. Bank of America used it resources, power and reach to pressure my family and I and threatened our financial well-being with its unlawful collection process. By knowing and having access to my checking and saving accounts it collaborated with Bank of America Credit card debt to find ways to crush my family and I financial well-being in unlawful ways.
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COMMERCE BANK (CO)

There was not an appropriate box to check so picked the ones I did. Two things, I have reached out to Commerce bank in regard to my loan asking for specific information and they have not responded. 

Today I received a notice in the mail notifying me they had purchased auto insurance on my behalf. I already have insurance and they are listed with the provider AND they sent no prior notices about this. Just went ahead and charged for the insurance. 

This company has proved to take whatever action they wish, whenever they wish without regard for the the consumer. There utter lack of communication is against ethical business practices and I would like this issue noted and investigated.
Consumer complaint received 2020-10-10
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. (NY)

I have several issues with how the department of education XXXXefault resolution group is reporting my student loans. 
1st the originator of the loan reported it as one tradeline. The subsidized and unsubsidized portions are parts of one agreement and interest and terms were a package deal. See credit report showing fed loan Servicing reporting ONE tradeline for a total of XXXX and change. 
The department of education default resolution group is reporting TWO tradelines that add up to original loan amount. 
The document attached was found on the Department of Education website and defines some ground rules regarding CONSISTANCY, servicers required to use same basic framework, Borrowers and  creditors will be able to follow payment history easily, even when servicers change ( XXXX XXXX indicates a transfer but does not say to whom ... default resolution group does not indicate it was transferred and even further deliberately disguises it by splitting and giving different account numbers misleading creditors to believe they are 3 unrelated trade lines instead of one that was transferred. This is an inaccurate representation of my credit. ) In addition The default resolution group has continued to add charge offs to a closed account! This is against fair credit reporting. 
If lates do not begin till 120days and closed within one year there could only possibly be 8 charge offs with them. Even if they reported lates or charge offs at 30 days it would be a maximum of 11! See picture showing 32! I believe they are trying to report for time they did not even own the debt! 
XXXX XXXX XXXX reported their own lates/ charge offs. This is double jeopardy. 
Retention in NY is 5yrs instead of 7. Please remove. You can verify this with the bureaus directly. 
Furthermore I was given an ultimatum to accept a quid pro quo deal. They will only correct how they are reporting if I rehabilitate the loan. I do believe this is against the law. I will file a foil request to get a copy of conversations that representatives made this offer again and again. 
XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I pay off the balance on this card ( Visa XXXX ) from month to month when I do use it, which has not been often- if at all- over the past year. Despite that, CapitalOne charges a {$59.00} annual fee, which is excessive. In previous years, they would accommodate good customers ( like myself, who have a long, good payment history and multiple cards ) and refund and/or waive that annual fee. Now, CapitalOne phone representatives claim " they are not able to do that because of their new system '' or some XXXX  like that.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NOT BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT
Consumer complaint received 2020-10-10
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)

I disputed information with XXXX, and Experian with regards to account XXXX   preferred, {$3100.00}. The phone number and address to the creditor are both non -working so theres no way to verify who signed up for this account. The information the creditor provided for the last several years are not working and thus all these months have not been able to get this resolved. It is very unfair that Experian and XXXX  continued to report that account for so long. Ive asked that the account be deleted but they continue to report. They have not done due diligence in verifying since non of the information the creditor is reporting is accurate ( phone number and address ). How can XXXX  and Experian say theyve investigated if the creditor information is non-working for all this time. Please delete the account from my file.
Consumer complaint received 2024-11-15
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. (TX)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint with the case number being XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency , block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. 

Account name : XXXX  Account Number : XXXX Amount : {$380.00} Account Name : XXXX  Account Number : XXXX Amount : {$2700.00} Account Name : XXXX XXXX  Account Number XXXX XXXX Amount : {$350.00}
Consumer complaint received 2020-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

Paypal refused to cancel a {$30.00} transfer my wife and I made in good faith for a purchase that turned out to be fraudulent Case Number : XXXX. The payment was made on XX/XX/2020 Transaction ID : XXXX and was supposed to be for the purchase of tickets to an outdoor venue from a private seller. We never received anything from the seller after making the payment through Paypal, because we were defrauded. My wife and I tried numerous times to reach out to the seller via e-mail and XXXX but received only a single response that seller would confirm receipt of the funds. 24 hours later, I disputed the transfer in order to cancel it. Paypal took 23 days to review my dispute and finally decided to allow the criminal keep our money. Paypal e-mailed me information about their decision and provided a phone number XXXX to inquire about the processing of the dispute ; however, the number Paypal provided is a non-working number as of XX/XX/2020. The dispute has not been resolved to my satisfaction.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed information with Transunion, and XXXX  with regards to account XXXX   preferred, {$3100.00}. The phone number and address to the creditor are both non -working so theres no way to verify who signed up for this account. The information the creditor provided for the last several years are not working and thus all these months have not been able to get this resolved. It is very unfair that XXXX  and Transunion continued to report that account for so long. Ive asked that the account be deleted but they continue to report. They have not done due diligence in verifying since non of the information the creditor is reporting is accurate ( phone number and address ). How can Transunion and XXXX  say theyve investigated if the creditor information is non-working for all this time. Please delete the account from my file.
Consumer complaint received 2020-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IA)

XXXX refuses to reanalyze my escrow account. Ive turned in documents showing my escrow is being over charged and Ive over paid now. They are refusing to make an update. This is effecting my debt to income ratio and my monthly payment is much higher than it should be by over $ XXXX.
Consumer complaint received 2022-10-10
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.