davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
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. (IN)

My identity was compromised between XXXX and XXXX. During this time several inquiries were made on my Transunion report. I demand that these items be removed immediately. 
XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2019-01-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

On XX/XX/XXXX, I contacted Specialized Loan Servicing ( SLS ), my home equity servicing company to request a loan payoff. I was emailed the payoff which had a payoff date of XX/XX/XXXX. On XX/XX/XXXX I wired the amount requested on the payoff as instructed in the letter and was under the impression that my loan was satisfied and paid in full. On or about XX/XX/XXXX, I received a call from SLS, stating that the payoff amount was incorrect and they need an additional {$4000.00} for attorney fees that I was not aware of. I told the representative that I would need to speak with my attorney and if they could provide me with an invoice showing what the additional charges were for. I requested to speak to a supervisor and was told that one would give me a call back in 24 to 48 hours.  I did receive a call from the supervisor and was told the same thing about the attorney fees. I explained to him that it is not my fault that they ( SLS ) issued the incorrect payoff letter and now I was being penalized for their error. Needless to say, with the holidays and I could not afford the additional {$4000.00} and notice that on XX/XX/XXXX a deposit was made into my bank account for the amount I originally wired on XX/XX/XXXX. When I called SLS to complain again on XX/XX/XXXX they were no help and gave me the attorney 's contact information to get an invoice. I spent over 2 hours on the phone with no resolutions. I told that a new payoff letter was mailed to me on XX/XX/XXXX with a payoff date of XX/XX/XXXX, which is impossible considering that it takes more than 2 days for delivery of mail. I finally tried to get a new payoff letter from them and was told that they can not email payoff letters, which they did on XX/XX/XXXX and I would have to wait for the mail. As of today and almost 2 weeks, I still have not received the payoff. I reviewed a statement that they sent me and it shows that for the entire month of XX/XX/XXXX they charged me interest against the loan even though they received my wire on XXXX and kept it until XX/XX/XXXX, causing me to loss interest while they charged me interest against the loan. This is completely unacceptable that they can charge me interest wile holding my funds for 11 days with me losing interest. I spoke to representative on XX/XX/XXXX and she was of no assistance informing that they never applied the funds to my loan so they can go ahead and charge me interest since the funds were never applied.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

I settled the debt with the company 7 days prior to having to appear in court. I was assured that a judgement would not be entered against me for the debt. On XX/XX/2019, I received a court notice that a judgement had been entered against me for this debt. When I called the company after almost an hour I was told that a letter was faxed on XX/XX/2019, to XXXX indicating that the account was settled in full. After speaking to the court I was told that this is not their fax number and they never received such a letter. I had to obtain the correct number and provide it to the collection agency which should not be my responsibility. In addition, they said that they would have the letter faxed as soon as possible, without any urgency to fix the problem that they created, as of now the judgement has not been withdrawn.
Consumer complaint received 2019-04-30
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC. (UT)

A woman named XXXX XXXX from XXXX ( ECMC ) is calling my ex-husband 4 times a day at his federal government office of employment. She will not stop calling. She will not call my attorney ( about an account that has nothing to do with him ). Both my attorney and myself have called her and XXXX will not acknowledge that I have an attorney. We spent years filling out " attorney '' forms with ECMC and they would just lose them. Please make her call my attorney. Her phone number is XXXX ext XXXX. My attorney is XXXX XXXX XXXX.
Consumer complaint received 2019-10-02
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)

On XXXX XXXX XXXX I opened a credit card with XXXX XXXX XXXX ( who I bank with ) and only used the card once or twice for gas and always immediate paid it off, never carrying a balance. I simply stopped using the card and in XXXX of XXXX unbeknownst to me I was charged an annual fee. I had moved at the end of XXXX and XXXX  XXXX XXXX had an outdated address and my mail was not forwarding with 100 % accuracy, therefore, I missed the statement/ bill that said I had a balance outstanding due to the annual fee ( about {$40.00} I believe ). I was not setup with online banking and not once when I went to the bank to withdraw funds/ deposit checks did they notify me of the problem. I was also not setup with online banking, which after this experience I am. After two months they simply closed my account and I did not find out about it until I went to apply for a loan and was informed that my score had dropped significantly. I would think that after getting returned mail XXXX would take the initiative to attempt to contact me in some other fashion outside of mail, but they did not. The account is now showing as " Paid '' but the negative remarks as far as being " late '' on payments right before they closed it is significantly impacting my ability to qualify for a loan/ additional credit. 

I called XXXX and they said they could NOT simply change what they were reporting to the credit bureaus, and told me to file a dispute with XXXX and Experian. I did just that and both came back saying that everything on my report is showing as accurate. What is so frustrating is that XXXX is telling me to contact the credit bureaus but then the bureaus are telling me to contact XXXX to resolve this! 

My dispute date with XXXX is XX/XX/XXXX and my confirmation # is XXXX. 

My report # with Experian is XXXX.
Consumer complaint received 2019-01-30
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. (FL)

I am formally writing this letter of complaint to you in regard to Transunion Credit Bureau. 

Transunion has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : ( account # XXXX  ) in the amount of {$570.00} and ( account # XXXX  ) in the amount of {$570.00} Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Transunion in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Transunions failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Transunion that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Transunion immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored.

Note : This CFPB complaint is solely directed to Transunion Credit Bureau. 

Thank you.
Consumer complaint received 2019-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I told XXXX, XXXX, and TransUnion that someone had stolen my purse and belongings from the above listed place of business in the lobby waiting area some years back and I asked XXXX, XXXX, and TransUnion to block the information and they refused to remove all of the fraudulent accounts. I was unaware that they used my information to open accounts and made inquiries on my credit report until recently.

Where I'm from, I was never really taught anything about credit until recently so I never had a reason to check my credit report. So now that I've checked it I've come to the realization that due to my belongings being stolen I became a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XX/XX/XXXX - {$11000.00} XXXX   XXXX XXXX ( XXXX  ) - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX ( MEDICAL ) -  XXXX XXXX XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Financial Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2019-01-30
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. (TX)

In the process of purchasing a home my credit report was pulled. To my surprise I had a late reported to my credit by XXXX XXXX for the month of XXXX. I obtained an Auto loan with XXXX XXXX in XX/XX/XXXX. For over 40 months I have made payments on time within a 30day period. On XX/XX/XXXX I called in to make my regular payment OF {$1200.00} to XXXX XXXX, with 5 days remaining in the month. After speaking with their customer service and loan department, I was informed that there was nothing they could do to reverse the late that they reported on my credit. They confirmed that I did call in on XX/XX/XXXX but they out source the processing of their payments to a company called XXXX which post the payments within 2 business days from which they were made. In my situation they did not post until the 4th business day which was the XX/XX/XXXX, causing me to have a 30 day late on my credit. This is definitely unfair trade practices. I had NO knowledge of their outsourcing and I should not have to suffer from a 30 day late when in fact the payment was made well within that time frame. I am in the process of purchasing a home and this has greatly affected my ability to qualify for a home loan.
Consumer complaint received 2019-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Old Union Financial, LLC (TX)

An email was sent to FOUR random people that my husband or I are not affiliated with. It has included our names and physical address along with our account number and outstanding balance. This is very upsetting. We are identity theft victims and for this guy just to do is is violating our privacy act. 
When contacting people that you assume that are in connection to the party personal information is not to be given other than you have them relay a message. 
This is the second time this company has done this. The first time was the application that included absolutely all ( social, dob, address ) of my  husbands information and myself.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/XXXX I sent letters to XXXX XXXX and XXXX  XXXX requesting that they update my credit report. Both companies are falsely reporting my account as 90 days late even though both accounts were paid in full in XXXX. By not properly reporting the accounts as current or closed ( as all other companies do ) they are affecting the algorithms which cause a negative effect on my credit scores. If they believe that I was late, that is reported in the history. XXXX XXXX is still reporting this account as open on XXXX  even though this account was paid off in XXXX. Both XXXX XXXX and Santander are reporting a late payment in XX/XX/XXXX on XXXX. This appears to be an attempt to re-age this account. 
I noted that only the auto industry reports this way, all other accounts are reported differently, and it appears that XXXX XXXX may also be complacent in this process. Sense most consumers who buy new vehicles are likely to upgrade every 4 or 5 years and the credit reporting agencies report these records for 7 years, this does affect consumers when purchasing another vehicle ( as well as other credit ). 
Neither company reported the account as disputed within the 30-day time period allowed. Santander received and signed for a certified letter on XX/XX/XXXX and XXXX XXXX sign for a certified letter on XX/XX/XXXX. I have copies of the certified letters as well as my credit reports showing that they never notified the Credit Reporting Agencies the accounts are disputed. 
Both companies are in violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Consumer complaint received 2019-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted multiple requests to Transunion via fax and mail in reference to the fraudulent accounts and inquiries reporting on my credit file. The other two bureaus have found these to be fraudulent as well and has deleted these accounts. I have submitted my fraud documentation to include a police report and I have had no correspondence form Transunion that they are even investigating these items.
Consumer complaint received 2019-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Had 2 credit cards charged off back in XX/XX/XXXX, both were with the incorrect last name. I paid them off, and was told that they would be deleted off my report when i submitted my last payment. I paid them off in XX/XX/XXXX, still on my credit. Submitted a dispute error and never heard anything back. I want these two capital one cards removed from my credit.
Consumer complaint received 2019-01-30
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: EQUIFAX, INC. (NY)

One XX/XX/XXXX I made my XX/XX/XXXX mortgage payment in the amount of {$1400.00} to XXXX XXXX. They cashed this check on XX/XX/XXXX which was deducted from my checking account. I have a copy of the check from the bank that shows XXXX cashed it as well as my bank statement that shows the withdrawal. XXXX reported to the credit agencies, XXXX and Equifax that my mortgage was past 30 days late. I contacted XXXX to get this resolved and have not received a resolution. I filed a dispute with Equifax and XXXX and provided proof from my bank and my bank statement that shows the check was cashed 6 days later. 

On XX/XX/XXXX Equifax finalize their dispute which indicated that XXXX verified that the information they submitted was correct. I don't believe that Equifax reviewed the documents I mailed in regarding my dispute if so how in good faith could they have accepted the verification from XXXX XXXX. XXXX XXXX clearly falsified this information which has now impacted my credit score.
Consumer complaint received 2019-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX I was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.
Consumer complaint received 2019-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

On XX/XX/XXXX, I was admitted to XXXX XXXX Hospital. After I was discharged, I completed the Financial Assistance Application. After reviewing the information, the hospital determined that I qualify for 100 % financial assistance for the time period beginning XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX. 

A representative from the hospital 's Customer Solutions Center instructed me to fax or email the award letter to any physician that sends me a bill and it should be honored. That includes XXXX, XXXX, XXXX, Emergency Room Physicians, XXXX XXXX, and my private physician. 

All account balances were adjusted to a XXXX  balance except XXXX XXXX XXXX. I've contacted the company multiple times and they refuse to act in good faith by honoring the award letter. I tried contacting them again this year but the phone number is no longer in service. 

On XX/XX/XXXX, I requested a copy of my credit report from XXXX and discovered that Collection Service of Athens is reporting an amount owed {$290.00} with a balance date of XX/XX/XXXX. I sent XXXX  a certified letter including supporting documents disputing the amount of the debt XX/XX/XXXX, however, the credit reporting agency never responded. There's a comment on my credit file that states " Consumer disputes this account information Medical ''
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Recovery Services, Inc. (MA)

Good Evening ; I was going through my credit report after receiving several aggressive calls from a debt collector company about an alleged debt. I went ahead and paid, but I keep reviewing my credit report it shows on my credit with a balance of over {$200.00} ... .I 've asked them and the credit bureaus to please clarify the payment status, comments, balance and account number as they might be erroneous. 

Also I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Refuse or unable to validate debt, Ignoring my request for debt validation a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I got a message alert from my Chase app saying {$210.00} purchase was made at XXXX. I immediatley called Chase and reported it, I never lost my card or anything it was in my possession. On XX/XX/XXXX the claim was processed and {$210.00} was refunded back to my debit card account along with the {$34.00} insufficient funds fee. On XX/XX/XXXX I got a message from my Chase app saying my account is overdrawn - {$150.00}, so I called again and was told that from Chase that after investigating it was determined that the charge was not fraudulent and the {$210.00} has been removed from my account. Chase said XXXX told them that XXXX XXXX XXXX Black/White was successfully delivered so that confirms it was not fraud. I am a XXXX customer but I do not buy expensive XXXX. I have 2 sons who are not that size. I ordered from XXXX on XX/XX/XXXX and XX/XX/XXXX for both my sons and each transaction were less than {$120.00}. After speaking to XXXX numerous times today that don't have any documentation of Chase contacting them asking about the shipping details on this shoe.