davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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: Aargon Agency, Inc. (IL)

XXXX XXXX XXXXXXXX : " No collection agency shall operate in this State, directly or indirectly engage in the business of collecting debt, solicit debt claims for others, have a sales office, a client, or solicit a client in this State, exercise the right to collect, or receive payment for another of any debt, without obtaining a license under this Act ... '' In accordance with the Illinois collection agency act, a collection agency has to be licensed in the state of IL to attempt to collect alleged debts. This company is in direct violation of that statute.

They are also in violation of 15 USC 1681b ( 2 ) for furnishing information to my consumer report without written consent from me to do so, as well as 15 USC 1692c ( a ) for communicating with me regarding an alleged debt without prior consent given by me.

I will be filing complaints with the Illinois attorney general office as well as Nevada 's state attorney general and the better business bureau.

I am demanding that this company delete this account from my consumer report and Cease and Desist any and all communication with me as it relates to the collection of any alleged debt ( s ) by/through all means except for the United States Post Office .
Consumer complaint received 2022-07-14
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law these accounts must be updated or deleted immediately
Consumer complaint received 2022-07-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

- First, please refer to Case Number : XXXX for further information of the case. In other words, due to my XXXX & XXXX episodes, my wife, XXXX XXXX, did act on my behalf. 
- Second, WellsFargo via both CFPB & U. S. Postal Mail sent my wife a Response Letter ( see the attached ) in which it asked me, the direct victim, to contact XXXX XXXX directly. 
- Third, I personally contacted XXXX XXXX directly three ( 3 ) times, but she did not respond or even returned my call. The details of the three direct calls as follows : * Attempt 1 on XX/XX/2022 at XXXX via XXXX with Representative XXXX in which I was told XXXX XXXX would give me a call back to my cell phone ( XXXX ) as my matter was high up and extremely confidential. Unfortunately, it was a liar. 

* Attempt 2 on XX/XX/2022 at XXXX via XXXX with Representative XXXX XXXX XXXX said due to the matter is in the Executive Office, she could not know the solution and could not contact XXXX XXXX after XXXX minutes attempt to connect with her. XXXX then suggested me to call XXXX. I did and got connect with Representative XXXX. Again, XXXX said she did not have access to the case so she could not reveal the resolution. XXXX then asked me to wait so she could contact XXXX XXXX directly, but the attempt was unsuccessful while I was waiting on the phone. XXXX recorded the notes and the conversation and told me XXXX XXXX would give me a call back on XX/XX/2022 from XXXX onward. I waited for the return call from XXXX XXXX, but again, it was a liar. 

* Attempt 3 on XX/XX/2022 at XXXX via XXXX with Representative XXXX. XXXX did what XXXX, XXXX, and XXXX did : taking notes, recording the conversation, and connecting with XXXX XXXX as the latter was the handler of this case. After 45 minutes of waiting, I did hang up the call as I was too exhausted. 

Please tell me who did show the goodwill and patience to want the issue gets solved? Obviously, not WellsFargo as they have deliberately tried to withhold the information to cover up for their discrimination act against am XXXX & XXXX era of permanently and totally ( XXXX XXXX XXXX ) XXXX XXXX XXXX veteran and also a minority. 

What can I still do?
Consumer complaint received 2022-04-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reserved a hotel room for XX/XX/XXXX. It was supposed to be reserve now and pay later but the hotel charged me. I canceled my hotel and received an email saying I would be refunded in full. well 2 weeks later no refund. Hotel couldn't give me info on the refund, so I put a dispute in with XXXX XXXX to get my money back since I had documentations of the refund. My credit score dropped XXXX points. The credit bureaus said XXXX XXXX added a remark to my credit card that it was fraud. I did not report my whole credit as fraud. I have disputed many charges since XXXX and it has never dropped my score. I called XXXX XXXX, and they said it wasn't showing on their end. I need this remark removed from my credit report. There's no reason my score should have dropped almost XXXX points for trying to get my money back that's owed to me when it's not fraud.
Consumer complaint received 2022-07-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC. (FL)

On XX/XX/XXXX of XXXX I went to the walk in clinic at XXXX XXXX for a XXXXXXXX XXXX on my XXXX XXXX. Before I went to the facility I called and asked how busy they were and how much they would charge. The representative told me they were not busy and that it was {$150.00} to see a doctor. I went to the facility, filled out the paperwork, and paid the {$150.00} fee before seeing the doctor. I left the facility after seeing the doctor and was not asked to pay any additional fees. 

A few weeks letter I started receiving bills from the facility indicating that I owed an additional {$60.00} for the visit. I attempted to contact the facility by telephone several times but was unable to get through to a billing representative. I left several voice messages requesting a call back to discuss the bill, but was not called back. I sent several letters to the facility along with the billing slip indicating that I was told that the bill was {$150.00}, that I paid {$150.00}, and that them sending me an additional bill for {$60.00} was incorrect. They did not respond to my messages or letters. 

In XXXX of XXXX I was contacted by Professional Account Services , Inc. - a debt collector attempting to collect the {$60.00}. I wrote them a letter disputing the charges, stating that I never signed anything agreeing to pay {$210.00} for a {$150.00} service. I asked them to provide a copy of the documentation where I agreed to pay more than the {$150.00} I was charged. They responded on XX/XX/XXXX with a generic statement indicating that they received my dispute but had " verified with their client that the charges are true and correct ''.
Consumer complaint received 2022-07-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

According to XXXX I have 7 late payments for my student loans accounts open back in XXXX. It was reported on my credit as late payments when I was actually in forbearance on my loans for the year and months the late payment was reported. As of XXXX my loans are deferred because I am still currently in school. I called both the department of education and AES and opened up disputes for inaccurately reporting those late payments. Both loan servicing companies informed me that this sometimes happen because the forbearance take a while from the time its issued from the time its reported resulting in a late payment status which is drastically affecting my credit score.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

Experian has continued to report incorrect and invalid information. After several written attempts to have the credit bureau correct these errors, they still continue to report false items. They have my credit score posted on their website as 611. Yet, they reported a low score of 529 to a lender. This is in violation of the FCRA. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. Given all my attempts to address two erroneous accounts directly with the XXXXXXXX bureau, this is negligence and non-compliance with federal statutes. Please delete the disputed accounts in my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX. I have sent documentation with both disputes. This matter is still unresolved, and the bureau is now reporting low scores to lenders/creditors.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (KS)

I have a XXXX 's XXXX. They went out of business at least in the XXXX, Kansas area about 4 years ago. I have been faithfully making my payments every month like clock work for over 7 years. Been paying my balance I had when the store closed since, Today I go to pay my bill due on the XXXX of every month and it said there was a power outage, It instructed me to go to another way of paying, that didn't work. Can't contact them because apparently the power outage has affected their phones too. Now XXXX Bank if you are late takes the whole payment amount and uses it for late fees and interest. If this happens to me I will be upset because I can not access the site to pay..
Consumer complaint received 2022-07-02
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. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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 2020-04-20
Product: Vehicle loan or lease — Lease
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: TD BANK US HOLDING COMPANY (GA)

XXXX XXXX XXXX We leased from Chrysler Financial ( which was bought by TD Autofinance ) and paid off the lease to  buy the XXXX back in XXXX but it was never changed to our name ( it's still listed under Chrysler Fin'l Co LLC ) , and we never received the title. We were looking to sell the vehicle in XXXX and realized this was missing. I've been calling TDA weekly since early XXXX to get the title, a duplicate title, or maybe some kind of lean release letter I could then take to the DMV to get a clear title. I just need something to allow me to get a title so I can sell it. I have the VIN and their account number. I've even mailed them money for this release letter but still have seen nothing. I've spoken to many people who all assure me something is being done and then nothing happens. ( And, yes, I initially tried My Title Support but they refunded my money saying they couldn't do it. ) And, lately, due to Covid-19, when I call, it literally hangs up on me saying they're too busy. FYI : they also have my husband 's name incorrectly listed as XXXX XXXX. ( It is actually XXXX XXXX XXXX, XXXX. )
Consumer complaint received 2019-10-29
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. (CO)

I have contacted Experian previously about this account. In a recently recorded conversation XXXX XXXX XXXX told me that they couldnt find an account with my name or the info I provided and that they didnt have an account for me. Yet Experian continues to report it. How can you report an account that they say that cant find, but when I dispute it you all say that it has been verified but the furnisher. I have asked numerous of times for this account to be removed. I have attached the recorded conversation.
Consumer complaint received 2022-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

on XX/XX/2022 I sent a letter to the alleged debt collector informing them that I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to any third party companies. 

I requested all verification documents to be sent back to me through USPS such as breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to the alleged debt collector, verification that this debt was assigned or sold to the alledged debt collector. Date this alleged date became payable. Commission for debt collector if collection efforts are successful and complete accounting of alleged debt
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (NJ)

there are numerous inquiries on my experian credit report which i NEVER authorized or have seen before XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX
Consumer complaint received 2021-08-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. Experian, XXXX, and XXXX XXXX still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete accounts.
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

I have had an approved Forbearance from XX/XX/XXXX to XX/XX/XXXX. 
I was promised that when my Hardship ended my current lender would take the balance owed from my approved forbearance and I would start paying my Mortgage with whatever the new payment would be for 30 years at my current rate of 3.875 %. 
I followed all the steps that I was supposed to from my lender and now I'm ready to start paying my Mortgage and they refused to follow their own agreement. 

All I want is to start paying my Mortgage someone please help me take my home back. 


XXXX XXXX
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Here is a timeline of my attempts to be refunded for a trip I booked to XXXX in XXXX. The trip was cancelled due to COVID-19 and the travel company went bankrupt. I've made multiple attempts to get my money refunded through my credit card company ( CapitalOne Visa ). 

1. Booked trip with XXXX for trip to XXXX ( did not include airfare ) and paid initial {$300.00} with Capital One Credit Card ( Visa ) Date : XX/XX/XXXX Planned Date for Trip : XX/XX/XXXX XXXX. Second payment of {$500.00} made to XXXX with XXXX XXXX XXXX Credit Card ( Visa ) Date : XX/XX/XXXX This amount was eventually refunded/credited by Visa/XXXX on XX/XX/XXXX XXXX. Final payment of {$1500.00} made to XXXX with CapitalOne Credit Card ( Visa ) Date : XX/XX/XXXX 4. Was notified on XX/XX/XXXX by XXXX that XX/XX/XXXX trip was cancelled ; I chose to rebook for the same trip in XX/XX/XXXX XXXX. I requested a refund on XX/XX/XXXX and was told that a that a credit was applied and I would get my refund 1 year from final payment date of my original booking 6. I received notification from FlashPack on XX/XX/XXXX that my trip was cancelled and I would need to apply for a refund - I had already done that in the previous step 7. I received notification from XXXX XXXX on XX/XX/XXXX that XXXX had gone into Administration and I needed to file a claim with my credit card company 8. I submitted original claim with Capital One in XXXX Case # XXXX 9. Received notification that Capital One needed more information on XX/XX/XXXX ; I mailed all supporting documents/emails to Capital One. Was notified via mail in XXXX that my claim was again denied because they needed more information. 

10. I tried contacting travel insurance company XXXX XXXX on XXXX via their website - I was not able to submit a claim form but the instructions on their site just put you in a loop that never takes you to a form. I also submitted a Help request form via their website and never received confirmation or a response 11. I submitted a 2nd request for help form on the XXXX XXXX site on XX/XX/XXXX and have not gotten any response or confirmation that my request was received. 

12. I re-mailed all of the content above to Capital One plus the addition of the attempt to contact the travel insurance company and was again informed my claim was denied. 

13. I contacted Capital One again via phone in XXXX and received a link to a secure portal to upload all of my documents for the claim. 

14. I submitted the full timeline above again and supporting documents to Capital One on XXXX per their request via a secure portal and again received notification that Capital One again denied my claim. 

Im at a loss for how to get my money back from XXXX or Capital One. Please help.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have XXXX hard inquiries on my credit report that I did not authorize. I also got some inquiries from when I went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Consumer complaint received 2022-07-02
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)

Hello, In accordance with the applicable provisions of the federal and state Fair Debt Collection Practices Acts and the federal Fair Credit Reporting Act, this dispute to the inaccuracy of the following item posted, which is incorrectly attributed negatively to my credit reports : ( 1 ) Account Name : XXXX XXXX XXXX ; Account No. : XXXX. Appears on my credit reports as a late payment in XX/XX/2022. However, that I was never late in making this payment as his mortgage account was being transferred to a new servicer and he indeed timely paid over the phone. However, the servicer who took his payment had a glitch which resulted in XXXX XXXX payment not going through. Upon discovering this, he immediately made another payment. But a late payment was nevertheless Reported to the credit bureaus even though this was not my fault. It was the payment system and the representatives of XXXX fault. Therefore, at this time, I hereby dispute the accuracy of this late payment and demands that you immediately remove this late payment remark from my credit report. 

Incorrectly reporting this item by XXXX is what predatory lenders that degrade communities and borrowers ability to maintain great credit to stabilize communities and neighborhoods.