davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

In XXXX I closed my XXXX XXXX Bank credit card account ( XXXX ) due to fraudulent transactions on the account that XXXX XXXX Bank notified me of themselves, I am now receiving a collections bill in my name for a different account number ( XXXX ) with XXXX XXXX Bank. I explained to the collection agency that it is not my account and provided proof the I closed my XXXX XXXX Account in XXXX, Midland Credit Management claims that they are collecting a debt in my name for charges in XXXX. I didn't use XXXX XXXX Bank after I closed my account in XXXX.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX, and XXXX, accounts were opened fraudulently in my name because I was in prison from XX/XX/XXXX to XX/XX/XXXX. I sent XXXX classification paperwork along with my prison ID stating the dates that I were incarcerated. After XXXX XXXX fraud department investigated my claims, it was determined that these accounts were determined to be fraud. I explained to XXXX  XXXX customer service XXXX XXXX XXXX XXXX, XXXX XXXX, And XXXX XXXX. I explained to all these representatives how I am a consumer with consumer rights utilizing Consumer Law. USC 1681n, and 607b FCRA. These fraudulent accounts were opened due to fraudulent applications, and was posting on my credit reports for years damaging my credit profile. This cause me to be denied funding, denied for installment loans. FCRA 607b states that Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy not minimum accuracy. USC 1681n FCRA addresses non compliance, but specifically willful non compliance. Any party with the knowledge that it violated the FCRA, or in reckless disregard for the FCRA and it's associated requirements, leads to serious consequences for the offending party. Specifically XXXX XXXX, but also includes XXXX, XXXX, and TransUnion for reporting these inaccuracies for years from XXXX XXXX allowing fraudulent applications to be opened in my name reporting to all XXXX major credit bureaus damaging my credit profile. I am seeking compensation for stress, XXXX, anxiety, pain and suffering, and loss of wages. I am seeking {$250000.00} from XXXX XXXX, and {$500000.00} from each credit bureau mentioned above for violating my consumer rights USC 1681n, and 607b FCRA.
Consumer complaint received 2023-05-23
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Reference number : XXXX and Bankruptcy XXXX  XXXXdismissed Reference number : 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 accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of these 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I CONTACTED THIS COMPANY 2 TIMES ALREADY IN THE PAST 75 DAYS AND THEY HAVE NOT GOTTEN BACK TO ME WITH ANY RESULTS OR INVESTIGATION. I CHECK MY CREDIT REPORT AND THERE ARE STILL ERRORS ACROSS MY ENTIRE REPORT. I TOLD THEM TO VERIFY ACCOUNTS AND THAT HAS NOT BEEN DONE AND ITS BEEN 75 DAYS THIS IS RIDICULOUS. I WILL ATTACH THE LAST LETTER I SENT THEM AND YOU CAN SEE THEY ARE STILL REPORTING THIS ON MY REPORT WITHOUT PROVIDING ANY RESPONSE. PLEASE HAVE THESE REMOVED FROM MY CREDIT REPORT THIS IS GETTING RIDICULOUS.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (NY)

I am trying to repair my credit to purchase a house for my family. I currently have two credit cards with capital one for over eight years. I have auto pay set up, and generally keep my usage below 10 %. On four occasions I experienced issues with the bank account connected to the auto payment. Mainly with changes made to my direct deposit at work. Because the account is set on auto pay, I did not realize I missed payments.

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is an Issue I have come to recognize happens if I make any changes to the distribution of my Direct deposit from work. I have filed a dispute in XX/XX/XXXX, as well as mailed a letter asking for forgiveness and to have the late payment marks removed as I am a long time customer with responsible usage who is trying to repair his credit. I have received no response.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report my personal seems to be compromised and I noticed inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Lease Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX DO NOT belong to me and I have not received services nor goods from these providers.
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

. 



I. Purposely, granted original Forbearance period to start after 2 month delinquent status XXXX XXXX XXXX XXXX XXXX. Applied in XXXX XXXX, Forbearance Application completed XX/XX/XXXX stated in a letter dated XX/XX/XXXX? Started XX/XX/XXXX, ( 6 months application process ). 



II. Request for all loan history ( prior to acquisition XX/XX/XXXX ) including payment, promissory note, etc. honored only in part. 



III. Discouraged financial management of account by : * Discriminated against by removing access to online services, e.g. Online payments, account history, etc. Had to phone in all payments, waiting on hold for hours, disconnected often * Phone conversation resolution, reporting of status differed with each representative, and refusal of conversation recording. 
* Not clear what kind of agreement or type of forbearance ( i.e. 
COVID/unemployment ) I was under at any time following XX/XX/XXXX. 
* Sent Default Notice XX/XX/XXXX after unable to accept XXXX XXXX offer ( monthly rate exceeded my income by 107 %. ) And after paying full mortgage payments of {$2300.00} XX/XX/XXXX - XX/XX/XXXX. 
* Requested proof for reasons for denial of resolution offers XXXX. 
delinquency period disqualification with payment history. 
* XXXX XXXX XXXX XXXX ( XXXX ) not given access to. Given several " Mitigation Advocate '' contacts in writing but denied access or communication with this single point of contact. Forced to discuss with new representative each time with a different status of my account reported. To date I have no idea if my house is in foreclosure, default or status of the current completed assistance application
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT BUREAU OF NEW ULM, INC. (MD)

I went to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2015. At the time I was unemployed and the bill was to be paid by XXXX via XXXX. I never received a bill from the hospital and was surprised to see the collection of {$780.00} reported in my credit report. The bill has been passed around to multiple collections agencies.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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


XXXX XXXX XXXX, XXXX, {$4600.00} Acct : XXXX XXXX Card XXXX, {$2700.00} Acct # : XXXX XXXX XXXX XXXX XXXX, {$880.00} Acct # : XXXX TBOM/VT, XXXX, {$420.00} Acct # : XXXX XXXX XXXX XXXX XXXX XXXX, {$630.00} Acct # : XXXX XXXX XXXX XXXX, {$1100.00} Acct : # XXXX XXXX XXXX XXXX, {$1100.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} Acct : # XXXX XXXX XXXX XXXX XXXX, {$2300.00}, Acct : # XXXX XXXX XXXX XXXX  XXXX, {$650.00}, Acct : # XXXX XXXX XXXX XXXX XXXX, {$680.00}, Acct : # XXXX XXXX XXXX XXXX  XXXX, {$1000.00}, Acct : # XXXX THE BUREAUS XXXX XXXX XXXX {$690.00}, Acct : # XXXX ; has violated my rights. 

15 U.S.C. 1681 section 602A. States that I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c, ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse items 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-14
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. (NY)

I've been calling companies for a few months now they're either nasty or just outright hang up the phone and tonight is the last straw because I got the phone hung up again in my face. I am a victim of XXXX XXXX and I really do think that my estranged husband or someone he's associated with is accessing my credit file without my consent.. I have inquiries that I did not make on my credit file trying to get loans and also a lot of addresses that I do not live at.. they also breached my information... I've also told them about my XXXX XXXX situation and they just don't care.. I work so hard to repair my credit and remove these items and they're right back
Consumer complaint received 2023-02-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (MI)

I was approved put in offer it was accepted the sellers were paying all my closing cost then out of nowhere the lenders start demanding payment for appraisal or they were not releasing my appraisal report I refused to pay it the lender then contacted sellers realtor asking them to pay it before a full approval was even complete come to find out. They hadn't even got it to underwriting. They spoke to me very rudely told me the buying of the home takes presidency in my life and were constantly texting me very rude things!
Consumer complaint received 2020-12-29
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. (TX)

On XX/XX/2020 I've sent Disputes regarding to those Unknown and Inaccurate on my credit report. Today is over 30 days but I haven't receive any response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-12
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. (NY)

I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report. I am demanding that the fraudulent charges and inquiries be blocked and removed.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I got paid for my XXXX XXXX claim and as soon as I got paid someone did an unauthorized atm withdrawal without my debit card and took all my money that I need to put food on my table. Ive never let anybody use my debit card and has always been safe in my wallet with all my other debit/credit cards so someone did debit card fraud on my account without using my card. Ive only ever used the debit card at the Bank of America located in XXXX ca to withdrawal the money and transfer over it to my other bank but when i went to do that on XX/XX/XXXX the money was already gone I really needed that money but Bank of America says it will take 90 days to investigate but I dont have 90 days I need my money right now
Consumer complaint received 2023-03-01
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: CL Holdings LLC (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (MD)

During my period of unemployment, I contacted a my financial counselor for assistance with revising my household budget during my period of unemployment, the counselor and I contacted ACA on three different occasions ( XX/XX/XXXX, XXXX and XXXX ) with requests for a lower monthly payment arrangement based on my lower monthly household income. Each time, we were told that the company 's policy do not consider, refinance or re-structure of loans and I would have to send them {$1000.00} or pay all past due payments ( 3 months ) including late fees before my loan can be considered for a work-out which included adding the missed payments ( {$1300.00} plus late fees ) to the back of the loan, further increasing the loan balance to {$17000.00} while my car holds a current book value of {$4500.00}. Then they would reduce the monthly payments only for XXXX, XXXX and XX/XX/2021 by 25 % from {$440.00} to {$330.00}. I was also advised by one of the representatives at ACA that I should consider borrowing the {$1000.00} to send to ACA to bring my account current, only then would I be considered for a " work out '' plan. I thought that was very bad advice and showed an unwillingness to acknowledge my serious financial position as a single father with XXXX children XXXX and XXXX years old. During my conversation with ACA on the XXXX, I was assured that the company has no interest in repossessing my car since I need it for going to and from work. However, following the call on XX/XX/XXXX I received two notices by text and email that my car has been placed for re-possession. I do not know where else to turn for help in this pandemic, so I'm filing this complaint because ACA shows an inability to consider my ongoing financial hardship but instead increasing my liability and pushing me closer to bankruptcy or homelessness.
Consumer complaint received 2023-04-08
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: Paypal Holdings, Inc (MO)

XXXX sent their company to get defective item on XX/XX/XXXX and issued a refund of XXXX on XX/XX/XXXX to my PayPal debit card. I then called PayPal to ask where my refund was at and they kept giving the runaround and closing my case without telling me where my refund of XXXX went. It is now XX/XX/XXXX and I still have not received my refund yet on my PayPal account. XXXX XXXX provided me with an invoice transaction of the refund showing that the refund was processed successfully to PayPal in the amount of XXXX on XX/XX/XXXX but PayPal is still refusing to do anything. I need to know where my funds are now and need my refund now.
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (CA)

This collection company, Meridian/XXXX Financial Services, held/owned four past debts, that were listed on my credit report as of XX/XX/XXXX. According to a Settlement letter that I received on XX/XX/XXXX, and the Meridian website as of XX/XX/XXXX, they showed I owed a total balance of {$3000.00}. 

A payment was made online on XX/XX/XXXX, for the full amount of {$3000.00} ( plus processing fees ), to clear up all four collection debts. Meridian provided me with a receipt for that payment. The balance on the four accounts should then have all been at zero and the accounts can/should have been removed. 

Instead, on XX/XX/XXXX Meridian/XXXX Financial Services removed two of the collection debts ( with reported dates of XX/XX/XXXX and XX/XX/XXXX ) but " updated '' the other two accounts ( with reported dates of XX/XX/XXXX and XX/XX/XXXX ) " confirming '' that I still owed the balance on these other two accounts. 

Meridian/XXXX Financial Services has not contacted me, either by telephone, email, or letter, since I made the payment to explain why they took this action nor to provide me with a " new '' billing statement for these " other two accounts '' that they supposedly verified as still outstanding. 

I contacted the original company that gave Meridian/XXXX Financial Services ( XXXX XXXX XXXX XXXX XXXX ) and they stated Meridian/XXXX  Financial Services only paid them {$2400.00} and did not pay them for the debt that occured in the 2020 year.XXXX XXXX  XXXX stated that as a result I still owed them over {$400.00} for the XXXX debt. 

The behavior of Meridian/XXXX  Financial Services is unprofessional, unethical and borders on criminal. In this time of Covid if a customer struggles, but actually makes an attempt, to clear up a collection account a business should do their part to make the customer whole again instead of trying to take advantage of them. 

Copies of the Settlement letter, payment receipts, and a list of the four past outstanding collection accounts can be provided on request.
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (CA)

I have two inaccuracies on my credit on two different reporting bureaus. XXXX  is showing this account as 30 days late in XXXX, while Experian is showing the account as open. XXXX  is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have two inaccuracies on my credit on two different reporting bureaus. Transunion is showing this account as 30 days late in XXXX, while XXXX  is showing the account as open. XXXX is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes.