davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (OH)

I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
I do not have accounts or debt with the following creditor therefore I am requesting the original purchase agreement with my signature. Also provide documentation that show you are the legal owner of this alleged debt as well as all terms and conditions. If such can not be provided I request IMMEDIATE deletion off my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) # XXXX Also, Upon research the following Debt Collectors are not licensed to even collection in my State which is XXXX  ( see attached ) furthermore is a complete violation of my rights and THE LAW. Prompting IMMEDIATELY REMOVAL from my credit profile. 
Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for your time and attention to this matter
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRES : XXXX XXXX XXXX XXXX XXXXTN, XXXX XXXXXXXX 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 A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKER ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2016-03-29
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (MA)

Car totaled! Company did n't pay bank all that was needed to clear the balance off of my credit balance report. Car company owes the car insurance that we paid for during the loan of the vehicle. And car insurance did't pay off for the rest of balance. I have full, total car insurance on the vehicle that was totaled. Why was n't this fully taken care of?
Consumer complaint received 2023-01-01
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. (LA)

XXXX XXXX has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by XXXX  XXXX to neither XXXX  ( Transunion, XXXX, XXXX ). 

XXXX  XXXX did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. XXXX XXXX is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by XXXX XXXX for the account opened XXXX XXXX.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (CA)

I sent you a complaint back in XXXX/XXXX/XXXX case # XXXX reguarding Central Mortgage Company. 
of course their reply was all lies as they did back in XXXX. I was told to miss paymentss told to miss payments until a re-fianc or Modification could be reviewed and signed off. Instead they used late payments against me and foreclosed on my property. They even had it on the market before anything was settled. I now only have until XXXX XXXX, XXXX to get justice They owe me what they sold my house for. I want your help to get me justice. 
Thank You XXXX XXXX
Consumer complaint received 2015-11-28
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

i paid {$220.00} in credit cards. and {$50.00} more by check. i sent them a question regard who owed what and how much. i also received a bill from another company for less than what was owed. since i sent the question to them i have not heard from them. 
i think they were caught in the act. they said my account owed {$0.00} and my husband account was " inactive ''. 
is there a way i can have what i have paid back?
Consumer complaint received 2015-10-15
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (TX)

a load reversal in the amnt of XXXX was made on my acct ( call it a ) from merchant affiliated with card company in error on XX/XX/XXXX info was verified by my credit card ( card b ) that funds were removed and posted on orginal date of transactionand prepaid card company cant figure why funds removed nor seem willing to return.. I have spoken with fraud dept, acct protection and merchant affiliated with amex serve and have been given incorrect info, no call backs as promised.. I keep having to contact my cc company and have given my personal cc info 3 times along with my ssn to these reps ( not smart I know )
Consumer complaint received 2015-11-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hello, my name is XXXX, An account was opened back in 2011 with XXXX XXXX XXXX Bank back, it was a result of ID theft, and the account was later charged off to Portfolio Recovery Associates , LLC, anyways XXXX XXXX ( Now XXXX XXXX ) has done an investigation and decided it was a result of fraud, and they have removed their tradeline from my credit reports, but Portfolio Recovery Associates , LLC refuses to remove their collection tradeline. I will attach a scanned copy of the letter they have sent me confirming the investigation.
Consumer complaint received 2023-01-01
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. (CA)

In accordance with the fair credit reporting act convergent XXXX XXXX XXXXXXXX XXXX has violated my rights.

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-31
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. (NC)

These collection accounts being furnished and reported by XXXX XXXX XXXX are hereby reported as fraudulent accounts to the FTC and the NC Department of Justice XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX are fraudulent and have been actively furnished unlawfully by XXXX XXXX XXXX. 

Remove immediately! 

The collections accounts being reported to the credit bureaus, after XXXX plus disputes, and laws violated against me were never investigated properly nor were the accounts ever validated properly even when an attempt of validation was sent to me XXXX years after the credit bureaus unlawfully allowed these collections to stay on my credit files even after XXXX plus complaints filed with you and over XXXX complaints to the CFPB in numerous times asking for validation of these collections and a statement of what services that I had allegedly received in 2017 to warrant these claims by XXXX XXXX XXXX giving you all as a whole numerous times to take take appropriate action per XXXX laws and state laws and i continue to contend i have no knowledge of these XXXX debts that this rogue lawless collection agency has furnished derogatory information and never once after XXXX plus companions properly or successfully provided any documentation to me that is required by law and have put themselves in great legal peril because their actions have been unlawful and the XXXX, XXXX, and Experian will be held legally accountable once I have my day in court with this out of control collection agency that has demonstrated deception trade practices at a whole new high according to law enforcement officials i have spoken to. 

Furthermore, these XXXX collections are unlawful and you all are liable for your actions.
Consumer complaint received 2023-01-01
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. (NV)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX, 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 2016-12-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # *********** DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-03-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. 
The company called using a XXXX number. 
I noticed I had previously received calls from this number for a week or so. 
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. 
When I answered this person very friendly and did not identify who she was until a little further into the conversation. 
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from Midland Collection Agency. 
I closed that checking account and opened a new XXXX. 
I have received XXXX letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. 
Is there anything else they can do to me because I closed that checking account? 
They are hassling XXXX of my relatives right now so, I am a bit concerned if they would have a leg to stand on in XXXX Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. 
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees
Consumer complaint received 2016-05-02
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2016, I noticed that Capital one had charged me a {$39.00} annual fee. I knew that I would never willingly sign up for a card that carried a fee like this. I called and complained and they eventual removed the XXXX fee. 
However, going back in the account I realized I had been charged this fee for the previous 9 years. I called Capital One and requested a copy of my original card member agreement. They promised to mail it to me. It never came. Then I called again. They again promised to mail it to me and stated they had mailed it to about a week prior to that call. Again I waited about about three weeks and nothing ever came so I called again and asked for a supervisor. The asserted that they had mailed it to me on XXXX XXXX. However, they also said they would mail it and fax it to me. It is now XXXX XXXX and I have never received anything. This process started XX/XX/2016. I feel that they do not want to provide it to me or can not provide it to me. As a result I can not show that I was overcharged {$350.00} during the past 9 years.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I saw XXXX/XXXX  on my credit report. I called and was told that the account was closed and the message on the report states " refused to pay ''. I told them I do not remember opening this account. The agent said it is closed and even if I wanted to pay, they could not accept payment. He stated that some Wisconsin statue said it was past the limitations to collect. He said the statue will not let them collect after six years. The account was supposedly open in XX/XX/XXXX. I said it is only five years and its not mind. I disputed the account and was told I could not pay if I wanted to and it would stay on my report until XX/XX/XXXX. I am in the process of purchasing a home and this has been a total nightmare. I am a XXXX XXXX XXXX veteran and could not believe the treatment I received. I asked for something in writing and was told they could not furnish me with any documents.
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

In its letter dated XXXX/XXXX/XXXX & which I received by mail on XXXX/XXXX/XXXX, & pursuant to CFPB File numbers XXXX & XXXX, Ocwen Loan Servicing , LLC formulated its final determination on some aspects of my complaints. It will not delete a late payment notification to the Credit Bureaus which relates to XXXX XXXX & it also makes the following assertion : " Additionally, as reflected in Ocwen 's XXXX XXXX, XXXX response to you and to the CFPB ( file number XXXX ), Ocwen disbursed a property tax payment of {$2900.00} to XXXX XXXX on XXXX XXXX. XXXX, prior to the loan satisfaction on XXXX XXXX, XXXX. In response to your most recent correspondence, Ocwen contacted XXXX at XXXX XXXX, who advised there was a delay in that office processing duplicate payments. XXXX advised the duplicate payment would be processed within 30 days. As soon as Ocwen receives a refund for this payment, the funds will be forwarded to you ; however, as the funds were not originally disbursed in error, there is no more Ocwen can do to assit in expediting this matter ''. 

This aformentioned statement by Ocwen is misleading. In fact, upon receiving Ocwen 's letter today, I immediately communicated with XXXX XXXX XXXX at XXXX XXXX XXXX ) which informed me that the only executed property tax payment in their books for the property in question is from " XXXX XXXX '' and dated on XXXX/XXXX/XXXX. According to their records, they returned to Ocwen " unprocessed '' duplicate checks on XXXX ; XXXX & XXXX. Presumably, the unprocessed duplicate check returned on XXXX would apply to my former property. In fact, based upon an email communication with XXXX XXXX XXXX on XXXX, Ocwen had made the following statement : " The taxes HAVE NOT been paid, they are scheduled to be paid by end of the month. They are assessing you a {$480.00} fee for the shortage that will be in the account once the taxes are paid ''. 

According XXXX XXXX, they do not process duplicate checks and that they simply return them to those who sent them. 

Why is Ocwen making such misleading statements concerning this property tax issue? Why is Ocwen so resolute in delaying to provide me with the required refund? Why does that Ocwen keep on insisting that I should have also made duplicate payments related to the XXXX mortgage payment when its PayOff quote already included such payment amount? Would it then come up with other made up causes which would obligate it to delay making all required refunds?
Consumer complaint received 2016-02-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (OR)

On XXXX XXXX, 2015 Flagstar Bank initiated a process for us to prove we had homeowner 's insurance active or they would place forced insurance on our house. This information was provided in full on XXXX occasions, both XX/XX/2015 and XX/XX/2015 which included insurance coverage and the contact information of both our insurance agents. ( The coverage had moved to another carrier during this process. ) The coverage was by XXXX name brand insurance agents which are easily contacted via the numbers we provided. With no notice, only a notice of " shortage '' in our escrow account, did we discover that Flagstar had forced insurance coverage ignoring the documents we had uploaded via their own online system with automated replies stating they received the information. Any help would be appreciated.
Consumer complaint received 2016-02-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC (MO)

I purchased a dog through XXXX pet store XX/XX/2015. They financed it through Monterey Finance, I was never given the disclosures for the finance charge. The purchase price of the dog was XXXX I have paid a total of XXXX on the dog. The purchase should be paid in full however I have never received a monthly statement showing my balance and finance charges. I finally was able to speak with someone after numerous attempts they stated I still owe a balance of XXXX. It 's more than frustrating that I have paid my payments monthly on time and without and communication from this phantom company. When you try to call them they put you on hold long amounts of time followed by being disconnected. I reached out to pet store where I purchased the dog they stated they could not give me any information.
Consumer complaint received 2016-01-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

We have a loan with Springleaf Financial Services Financial Services of XXXX Illiinois at XXXX XXXX XXXX of {$7500.00} at 22 %. The loan was to rehab our house in XXXX, IL. We requested an $ XXXX increase in the loan amount as the labor for the rehab is going to exceed our expectations. Springleaf proposed that they would refinance our car and give us {$2600.00}. We were not denied an increase, but we felt that we did not want to do that as the finance charged at Springleaf are greater than at our XXXX dealer. So, we withdrew out loan request with Springleaf. 

The issue is that we received a Statement of Credit Denial on XXXX XXXX, XXXX based upon a credit report from XXXX different credit agencies. Now our credit score will go down based upon this action, and we are trying to keep our credit up as we are still recovering from the loss of our business during the recent economic depression. 

We called Springleaf this morning ( XXXX XXXX, XXXX ) to tell them that they did not deny our credit, we choose not to accept it. They said there was nothing they could do. We would like this denial taken off our credit report. Thank you very much.