davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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: Experian Information Solutions Inc. (TX)

I have reached out to XXXX XXXX XXXX multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " XXXX XXXX XXXX '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency sold the car at the auction. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible purpose.
Consumer complaint received 2022-05-19
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. (MA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reportingagency annot furnish a account without my written instructions.

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.
Consumer complaint received 2021-10-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XXXX, I sent a letter to the CRAs regarding a wrong and strange account on my consumer report. To this day, over 90 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately ; it has been 90 days, so they should be deleted promptly. I demand this account be deleted immediately, or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach, and I have gotten into the hands of the wrong person.
Consumer complaint received 2020-05-29
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: ECMC GROUP, INC. (CA)

EDUCATIONAL CRED MGMT is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that ECMC shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc. (NY)

Professional Claims Bureau , Inc. ( " PCB '' ) sent letter demanding {$20.00} for debt owed to Dr. XXXX   XXXX XXXX for a medical appointment on XX/XX/2019. The {$20.00} apparently represents a co-payment.

A co-payment could never be due from Dr. XXXX because you are never allowed to see him unless you make the copayment before he examines you.

Each time I called PCB, they transferred me, and then the new person disconnected me. Each time I tried to send a fax to the number on their demand letter the fax would not go through because the line was busy.
Consumer complaint received 2020-02-18
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: Westlake Services, LLC (FL)

To whom it may concern, I noticed that a credit inquiry was performed by Westlake Services Inc under my name on XX/XX/XXXX. There is also an auto loan opened an account by Westlake Service Inc. for a total of XXXX Please note that I have not authorized either made any contact with anyone from Westlake Financial Inc. I have never heard of this company. Im disputing this credit inquiry and the account as this was done fraudulently and it was opened by fraud. I sent a letter to XXXX XXXX, Westlake Financial, XXXX, XXXX  and XXXX  all in XX/XX/XXXX & today XXXX   mentioned the account will remain, but the credit inquiry will be deleted, because " The company has reported the information has certified to XXXX  that the information is accurate. '' which is not true! I have never opened this account, I don't have that auto they are talking about and I never heard of them until now! All of this needs to be removed from all of my credit reports, this is a fraud. Please help me!
Consumer complaint received 2022-07-01
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX COLLECTIONS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYERS : TXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX 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 XXXXXXXX TRANSUNION EMPLOYERS XXXX XXXX XXXX XXXX  ADDRESSES XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES : SXXXX 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
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I have a loan with Toyota Financial for a XXXX XXXX   XXXX I set up automatic payments. Each month the amount due is deducted from my checking account. In mid XXXX I received a written notice that my payment was late, and that because my payment was late ( by only a few days ), a negative report would be sent to the 3 credit reporting agencies. I called them immediately and made full payment. They had no explanation for why this happened. The Toyota rep helped me reset my password. Today, I received a bill again. Because the bill made no mention of my automatic payment status, unlike other automatic payments I have set up, I phoned Toyota Financial to  confirm it was still set up. I waited an hour by phone with loudobnoxious music playing the entire time so that I could talk with one of  their representatives. The rep 's name was XXXX ( employee # XXXX ). She confirmed it was set up. I expressed dismay that the request I had sent by written letter ( the only form they would accept ) to have the negative evaluation removed was denied. She said the reason it was denied was because she reports that I had logged onto their website and before being able to go the website, a notice was presented that I had to accept ( that I had read it ). By accepting that I had read the notice, it changed the terms of my automatic payment, and removed it. Firstly, I do not recall at any time logging onto the site in the last six months. Secondly, even if I had, I believe consumer protection would have required Toyota to appropriately inform me that by accepting I had read the notice, my automatic payment status was cancelled. The rep, XXXX, said the notice was in the disclosures at the bottom of the website. Even if I had logged in ( which I do not believe I did ) AND I had accepted reading their notice ( in order to see my account ), it is NOT acceptable to change my payment terms without a clear and prominent notification. I believe it is fraud. I would like your help removing this negative rating from my credit report and ensuring that no one else has this incredible and unethical experience.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Consumer complaint received 2020-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I disputed the accuracy of the reporting of this account. Kohl 's provided me with a statement of an account. As per the FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill does not constitute verification.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE (NY)

XX/XX/2022 : Open Charles Schwab brokerage and checking account ; XX/XX/2022 : Deposit brokerage account {$10.00} ; XX/XX/2022 : Deposit checking account about {$5000.00} ; XXXX : Accounts are locked ; XXXX : Some calls to unlock the accounts and it said it was under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to close the accounts and it said the closure request is under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; Basically, Charles Schwab locks the account for about half an hour for review. When I tried to close the accounts, Charles Schwab held the transfer of the remaining balance for about two months. I still don't get the remaining cash.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MI)

Mortgage company claims to have paid {$400.00} for my homeowner 's insurance from my escrow account on XX/XX/2020. My insurance company claims they did not receive it. In trying to get the situation resolved, the mortgage company just sent another {$400.00} from my escrow on XX/XX/2020. They did nothing about the original check, and I never authorized them to correct the problem by just taking an additional payment from my escrow account. As a matter of fact, on one of my calls I specifically told them not to do that, for fear of not getting the money back. Now I am out an additional {$400.00}, no one knows what happened to the original check, and my escrow account is short. The mortgage company refuses to cancel the original check because it is a bulk check, but my insurance company has no record of the check with the dollar amount specified or check number as ever having been received by them.
Consumer complaint received 2022-06-14
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 item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX 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 an account without my written instructions. ''
Consumer complaint received 2022-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (AZ)

I have attempted to pay off my mortgage since the beginning of XXXX. I have been working with the loss draft/property claims center due to my house being burned down in XXXX of 2021. I sent the remaining insurance checks, endorsed, to property claims on XX/XX/XXXX, which were XX/XX/XXXX, and acknowledged XX/XX/XXXX. The check was processed/deposited XX/XX/XXXX. I submitted a letter of intent to use the funds in the escrow account to pay off the mortgage. At the time the checks were processed, there was just over $ XXXX in the restricted escrow account, and my mortgage balance was approximately $ XXXX. 

I have continuously called into loss draft and customer service with no answers. I was advised the payoff was scheduled to occur XX/XX/XXXX. That did not happen. XX/XX/XXXX, I was told I actually needed a payoff statement ( which when I previously asked was told I did NOT and my letter of intent was enough to allocate the funds appropriately ). They generated the payoff statement with a payoff date of XX/XX/XXXX, the agents told me XX/XX/XXXX the payoff would be completed. On this day, XX/XX/XXXX, I also submitted a demand letter requesting my mortgage be paid off immediately. They not only did not acknowledge my letter, but that did not happen. XX/XX/XXXX I was told the date had moved to XX/XX/XXXX for no reason in the notes. Yesterday, XX/XX/XXXX, I called in and spoke to various agents again, this time with my realtor as a witness. 

My realtor and I were advised everything was in that was needed and for sure my loan would be reflected as paid off by midnight XX/XX/XXXX. Today is XX/XX/XXXX and my loan still does not show as paid off. I show I have payments due. The treatment by your company has been deplorable! I already lost my entire home in XXXX of 2021, and now I am being victimized and held hostage by your firm! I keep calling in and speaking with agents, supervisors, different departments, and anyone else who will listen, but my complaints have fallen on deaf ears. My demand letter has not been acknowledged, and the errors by your company have not been corrected. I have tried to be understanding, but at this time I am losing patience. I can not move forward with new housing until this loan is paid off. 

I am seeking help to resolve this in an expeditious manner.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

I am unable to access my account. The website redirects to " Bread '' financial which has apparently acquired Comenity. When I try to use the feature to find my account, it gives me an error message that it wasn't found. On this error page, they acknowledge an issue and say they're waving late fees for those whose payments were due on XXXX and XXXX. I do not fall into that group. 

I attempted to call, and was greeted with an automated message repeating the above information, and then told that they are not accepting calls and it hangs up on me. It is completely unacceptable that I can not access my account and they are shut down with no way to communicate with customers other than to say " sorry, we're not taking calls ''.
Consumer complaint received 2019-02-09
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. (NJ)

I have a car loan with XXXX XXXX since XX/XX/XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XX/XX/XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a Reaffirmation Agreement. I negotiated with their Lawyer 's  and received a lower interest rate and lower monthly payment. The Bankruptcy was Discharged XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XX/XX/XXXX time  frame with the last dispute in XX/XX/XXXX. Since this car loan has been paid, on time, since XX/XX/XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a XXXX  representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with Equifax and XXXX and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.
Consumer complaint received 2022-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

On XX/XX/2022 I was sent a document from the law offices of Mitchell D Blum & Associates LLC. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx, XXXX The document was an attempt to collect a debt and for the amount of {$380.00} The original account # on the document is # XXXX Texas law requires debt collectors to carry a surety bond and requires they communicate their bond number upon request. 

The document I was sent does not have a bond # nor does the website for this business. 

Florida Law requires a debt collector to be licensed in the state of Florida and carry a surety bond. Florida law also requires debt collectors to communicate their license and surety bond details upon request. 

I called the offices of Mitchell D Blum & Associates LLC on XX/XX/2022 to ask about their bond number to validate their are an actual business that is authorized to collect debt in the state of Texas. The associate I talked to could not communicate the surety bond number to me and was very combative. 

I believe Mitchell D Blum and Associates LLC along with XXXX XXXX XXXX are engaged in identity theft in a attempt to illegally induce me to pay {$380.00} or have my ability to engage in commerce restricted via derogatory credit reporting.
Consumer complaint received 2020-05-24
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: Experian Information Solutions Inc. (CO)

Here I am again wasting my time writing you about the same problem that I wrote about last year. I am still forbidden to receiving my annual credit report. I sent these clowns all of my personal information and I still have not received anything. This time I will not send anything they demand of my ID, check stubs, bills, ABSOLUTELY NOTHING. If any of these people catch the Covid-19 virus, I will not send it even if it means there's a cure for it. I can not file anything regarding identity theft unless I pay for it. I AM NOT PAYING FOR ANYTHING. They caused many problems and they demand money for WHAT? 

Disputes are still not cleared up. I will not waste my time talking to anyone. I only deal with problems in writing. I am still wondering why the Federal government is still allowing these companies to operate without any strict regulations or oversite without any friends of any politician to monitor the problems that this agency has created and caused problems for the public. 

I DEMAND FULL COPIES OF MY CREDIT REPORT AND I DEMAND THEM NOW. I DEMAND TO PRINT THEM OUT AND I DEMAND THEM NOW. I WILL NOT TALK TO ANYONE VERBALLY AND I WILL NOT SUBMIT MY PERSONAL DOCUMENTS TO THEM NOW AND NEVER.
Consumer complaint received 2020-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCE CORPORATION (OH)

I no longer have a loan with One Main Financial but they continue to harrass me with calls. I have asked them, and told them several times to please stop calling. I have blocked the number but it shows up every time they call. I'm done being nice.
Consumer complaint received 2022-07-01
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. (UT)

This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by XXXX XXXX XXXX. We extended forbearance until it was transferred to XXXX end of XX/XX/XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX