davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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)

n accordance with the Fair Credit Reporting act 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 2021-03-25
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate multiple errors that appeared on my credit report. To my understanding, they are supposed to investigate my concerns, and respond back to me with the results of the investigations within 30 days. However, I have yet to receive a response. In fact, two weeks ago, I sent follow-up letters to all three bureaus, and they none of them have yet to respond to my request.
Consumer complaint received 2021-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (DE)

THIS IS NOW MY SECOND ATTEMPT TO RESOLVE THIS DEBT. On XX/XX/2021 I sent a certified letter to this company asking the for a dunning notice as well as validation of this debt. The certified mail number is XXXX. They claim they didnt receive this letter but is was picked up by someone in their office on XX/XX/2021. I then sent another certified mail letter dated XXXX/XXXXXX/XX/XXXX number XXXX which was picked up by someone int their office on XX/XX/2021. I also called in to to speak with a Supervisor on XX/XX/2021 and asked if they received my disputes.they stated that they sent me proof of debts owed to an address of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Pa which I do not live. They then proceeded to tell me that the address they had on file was my current address which I found odd. They also told me that they would send me an email with proof of debt within XXXX4hrs via email which they verified that they had. I still have never received this email. I then called back on XX/XX/2021 and Spoke with XXXX XXXX and he told me that he would send me an email with validation of debt and still no email. At this point they are past several violations of the FDCPA and FCRA. I have no other choice to pursue legal action if this account is not deleted
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've attached the email I've sent to XXXX XXXX/ XXXX XXXX XXXX CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including XXXX XXXX. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that XXXX XXXX Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted 2 law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to XXXX XXXX ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

XXXX XXXX
Consumer complaint received 2019-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation (AL)

This company was written and received a certified letter on XX/XX/19 after this company called me at my workplace. In the letter I instructed the company that I was not allowed calls at work and that they could only contact me via mail. The certified letter was signed and delivered back to me. They have since continued to call me as well as my references multiple times. I have sent a second certified letter as of XX/XX/19 instructing them to not contact any of my references nor me, that they are to only contact me via mail. They continue as of today to call my cell phone multiple times.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

So I was told by the Experian, XXXX, XXXX, and XXXX that they have verified a public record on my credit report. Experian, XXXX, and XXXX all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as PACER. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and discharged on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.
Consumer complaint received 2022-07-31
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: Nelnet, Inc. (MI)

To Whom It May Concern, NELNET/US DEPT OF ED/XXXX  # XXXX Opened On XX/XX/2010 Account Status : XXXX XXXX Loan Showing Past Due : XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior request for validation of debt ( proof, attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 

This letter will again request that you follow FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware. Estoppel by Silence legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.
Consumer complaint received 2023-03-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (SD)

HomeLoanServ set up a loan modification with me. The agreement was that I was supposed to make three months of on time payments and then the modification would be completed. I had the third payment completed by XX/XX/. I was told that XXXX would be processing the paperwork for the modification. I didn't hear anything. I called in several times since then and was told that there was a rare glitch in the system or something. XXXX told me that he had told his supervisor about it and they would work on it. I called in several times after that and was told by multiple reps that they weren't sure what the hold-up was, but to keep making my payments. I then received some mail about a modification with past dates on it. I was confused, so I called in. I was told that they must have forgotten the paperwork even though I had already completed previous paperwork and the three months of payments. I sent it in as I was told. I called in several other times and was told by the reps that they couldn't see what the issue was. One rep at the beginning of XXXX told me she could fix it but didn't want to because maybe she didn't have the whole picture. She then said she would contact XXXX. I said I would email him. He responded saying that, " For some reason our system is trying to convert the workout we have with you to a different one. My supervisor is aware and she is working on correcting the issue. '' That was on XX/XX/XXXX. I emailed him again on XX/XX/XXXX saying that I had gotten a credit report notice that my mortgage was severely behind and it was knocking the score down further. I also stated that I was accruing late fees from them still I didn't receive an email. Today I called again. The first rep. said that I had to wait another 120 days. That didn't seem right, so she said she would have a supervisor contact me. I hung up and called again because no one had ever told me that I would have to wait another 100 days after completing the third payment. She was rude, so I called back. That rep. told me what all the others had, minus the first one from this morning, that my paperwork should not have been held up. I bawled. I'm trying to get myself out of a financial pit after divorce and a car accident. I can't get help with a credit score that keeps dropping because it shows that I'm almost a year behind in my mortgage. She sent XXXX an email. I called three more times today. One rep was named XXXX. She refused to let me speak with a supervisor, but she said she would send an email to one. The last person put me on hold for ten minutes and then nothing... I can't get any help. Please, help me.
Consumer complaint received 2022-07-25
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (CA)

I applied for forbearance in XX/XX/2017 and got approved. Therefore, Navient brought my account current. However, after reviewing my credit report, I noticed that Navient reported late payment to all of the credit agencies. Even thought my account became current in XX/XX/2017, Navient reported 90 and 120 days for XX/XX/2017. ( XXXX comes after XXXX ) When I reviewed my full report from each of the 3 credit agencies, I notice a discrepancy with all the 3 reports. I came to find out that what was reported to XXXX is different than what was reported to XXXX and different from what was reported to XXXX. Here is also a short summery of all accounts reported by Navient : XXXX : 90 days late payments on 6 Navient accounts for XX/XX/2017 XXXX : 120 days late payments on 6 of the 6 Navient accounts for XX/XX/2017 XXXX : 90 days late payments only 5 of Navient accounts for XX/XX/2017 I have wrote letters asking them to retract this errors from my credit report with copies of my credit report showing the errors in report. They refuse to retract the error and provide a generic explanation as to why the refuse my request.
Consumer complaint received 2022-03-11
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. (IL)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX/DOFED accounts opened XXXX/XXXX/2016
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE is violating of my rights as a consumer, they have not validated the debt but continue to report to the credit reporting agencies FDCPA Section 809 ( b ). Also, they are in violation of FDCPA Section 807 ( 8 ). 

Telling me that the account was opened with a valid contract is not validating a debt. Where is the contract?
Consumer complaint received 2022-06-11
Product: Vehicle loan or lease — Loan
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: ALLY FINANCIAL INC. (NJ)

Ally has stolen my property, refuses to give me my title as my car is paid off. Ally Auto continues to violate my rights, causing me massive stress, grief and loss, and also continues to violate my demands and request according to the FCRA. Ally has confirmed the car is payed off via email. ( see exhibits ) Ally received my certified mailed billing error Notice ON XX/XX/2022. I received on XX/XX/2022 a correspondence from Ally acknowledging receipt of my billing error notice and promised to respond as soon as possible ( see exhibits ) with an investigation on account ending in XXXX which BELONGS TO ME via originating my credit card ( 15 usc 1602 ( l ) Ssn # ) by financing on this consumer credit transaction. INSTEAD of responding back with a correspondence/investigation THEY STOLE MY PROPERTY ON XX/XX/2022 Which is a criminal offense and also in violation of 12 cfr 1026.13 ( b )
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (OH)

1. I leased a new XXXX XXXX on XX/XX/XXXX with 39 monthly payments of {$360.00} as the terms of the lease. Ally is the Lender, and XXXX XXXX XXXX ( XXXX, OH ) was my Car Dealer. 
2. Paid each month to Ally on time and in full for 35 months ( last payment made on XX/XX/XXXX ) 3. Sold my XXXX  to XXXX XXXX ( XXXX XXXX XXXX ) and leased a new truck from the same dealer on XX/XX/XXXX. 
4. XXXX XXXX overnighted payment on XX/XX/XXXX to pay off my existing lease with Ally on XX/XX/XXXX. 
5. Check from XXXX XXXX was cashed by Ally on XX/XX/XXXX and was posted to my online account. 
6. I never received payoff confirmation from Ally or closure of my account notifications. 
7. It has been over 43 days now since the lease was paid in full and my account is now showing in a past due status. 
8. I next contacted XXXX XXXX on XX/XX/XXXX to confirm payment was sent to Ally. It was. They also stated they had had over 15 similar situations with Ally beginning in XX/XX/XXXX - approximately 15 transactions similar to mine. 
9. I contacted Ally 's Lease/Dealer numbers the same day - XX/XX/XXXX, with no resolution or explanation. I tried again on XX/XX/XXXX - twice - each time I was instructed to contact the Dealer for resolution. 
10. The call center was located offshore, and there was no concern or urgency to address my situation or transfer to a supervisor who could assist - even when I inquired. 
11. Ally has provided me no other means to resolve this issue.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

XXXX : I PURCHASED A {$500.00} VANILLA VISA GIFT CARD AT A XXXX GROCERY STORE USING MY CREDIT CARD. 

THE VANILLA VISA GIFT CARD IS ISSUED BY XXXX. 

THE VANILLA VISA GIFT CARD IS DISTRIBUTED AND SERVICED BY XXXX XXXX XXXX... 

XXXX : I CHECKED THE BALANCE. THE BALANCE SHOWED {$500.00}... 

XXXX : I TRIED TO MAKE A PURCHASE WITH THE VANILLA VISA GIFT CARD AND THE TRANSACTION GOT DECLINED .... 

XXXX : I CHECKED THE BALANCE. THE BALANCE SHOWED {$0.00} ( XXXX )... 

XXXX : THERE WAS AN UNAUTHORIZED FRAUDULENT TRANSACTION ON THE CARD MADE FOR {$500.00} AT XXXX... 

XXXX, XXXX XXXX XXXX XXXXXXXX - XXXX {$500.00}... 

XXXX : I FILED A DISPUTE FOR UNAUTHORIZED FRAUDULENT TRANSACTION ON THE CARD MADE FOR {$500.00} AT XXXX... 

XXXX : XXXX EMAILED ME THE COMPANY HAS RECEIVED MY DISPUTE FORM AND REQUESTED DOCUMENTS INCLUDING MY PROOF OF PURCHASE RECEIPT... 

XXXX DISPUTE CASE ID XXXX ... 

XXXX STATED THE EXPECTED COMPLETE RESOLUTION SHOULD BE WITHIN 45 DAYS TO 90 DAYS .... 

IT HAS BEEN MORE THAN 90 DAYS. I STILL HAVE NOT GOTTEN A RESPONSE OR RESOLUTION FROM XXXX IN REGARDS TO THE DISPUTE... 

THE RESOLUTION I WANT IS A {$500.00} CHECK SENT TO MY HOME ADDRESS FOR THE UNAUTHORIZED AND FRAUDULENT CHARGE MADE AT XXXX.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX of 2022 I had a wire deposit from XXXXXXXX XXXX  to my Capital One account and the amount was {$35000.00}, I transferred funds to my crypto account in order to start investing, and my transfer was reversed, and my account was locked. When I contacted Capital One, though it was acknowledged that my transfer came from XXXXXXXX XXXX and that there was a valid and verifiable receipt from XXXX XXXX  that I needed to physically go into the bank specifically capital one the issuer of the wire deposit. When I asked the back office representative how long does it take for my funds to be verified before I do receive my funds it was stated 90 days. 180 days go by and I reach out to capital one I referred back to what was stated to me when I questioned the supervisor that I was speaking to at the time about how long it would take for my funds to be verified. I stated that its been 180 days and if the funds have not been reversed and XXXX XXXX has not issued for capital one to return the funds that those funds are valid and what was the reason for why my funds are being held. Capital One back office representatives and supervisors would continuously hang up on me when I started to ask questions about why my phones are not being released especially if its been over 90 days. Before I questioned The supervisors and was repeatedly hung up on, my account was not closed when I continue to question, why are my funds not being verified? That its been well over 180 days which gave them ample amount of time to verify my funds and now my funds are valid. They stated that my account is now closed and I will not be getting my money at all, and hung up the phone on me. I am scared because this is money that I saved and I thought that I could trust this company with my money but my account has been collecting interest all this time, but I was told my account is closed Im still receiving statements from this account but they stated that its closed and that no money can come out of the account but something is telling me that someone in that company is not telling the truth.
Consumer complaint received 2022-04-05
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. (GA)

In accordance with the Fair Credit reporting act the following accounts have violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-06-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (FL)

Hello my name is XXXX XXXX this is a pretty intricate problem. What Im experiencing is I got an interest only Home equity line of credit in 2006 right before the first mortgage meltdown.. so Ive been paying interest only on {$100000.00} for the past almost 17 years! when I do the math Ive paid pnc back substantially more money than what I borrowed!! The institution in question is PNC Bank if you remember PNC Bank was national city Bank! PNC bought all of national city toxic assets all the. while I was paying interest only loan for the past 17 years and when I talked to pnc they refused to give me the bank statements going back to the inception of the loan nobody will help me, nobody wants to talk to me, they just want me to keep paying {$750.00} a month which none of it goes to principal as per the interest-only.. so my complaint is PNC has made roughly {$140000.00} over the maturity of this interest only loan and the only reason I havent stopped paying on it is because I dont want to ruin my XXXX credit score on the XXXX scale # XXXX, but I dont think I should be responsible for any more of this money because its been paid back already this is my complaint they refuse to send me the monthly statements since the inception of this interest only loan my name is XXXX XXXX my phone number is XXXX I need help as economy is tanking right before our eyes I dont think I should be responsible for any more of this money Ive been paying for the past 17 years to the tune of {$750.00} a month
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (VA)

Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information is fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. XXXX XXXX keeps telling me that I need to contact XXXX for remittance of payment, but XXXX said that the account has been sold to Amsher and I need to refer to their office. Amsher keeps referring me to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX refers me to XXXX. It has been difficult getting in touch with someone. I am concerned that this account appeared on my credit report and it was incorrect and didn't belong there. This seems fraudulent. I am planning to file a police report.