davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (CA)

I was incarcerated between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I had opened an account with XXXX a couple of months before I was initially incarcerated, and was caught up on my bills. My aunt had called to have the service disconnected. Now I have a {$450.00} collection on both XXXX and XXXX from Pinnacle Credit Service, who bought the debt from XXXX. The most I should owe is an early termination fee, less than half of what they 're charging me, Pinnacle Credit Service refused to send me any proof that I owe the bills, and said I would need to hire an attorney, and they would send it to my attorney. I disputed it through XXXX, and it was denied, I sent Pinnacle Credit Service proof of my incarceration dates, and have made several phone calls to Pinnacle Credit Service and XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

I ordered the sofa and paid {$590.00} for it at the website of XXXX XXXX on XXXX XXXX, 2015. But the sofa is an unqualified one. I contacted the merchant that the sofa was creaking when I sat against the back by email on XXXX XXXX, 2015. Later a repairer came to fix it but the problem still exists. Then I found some new problems that the XXXX pieces of fabric have n't been stitched together all the line near the wood frame. It is outrageous! XXXX made the sofa perfunctorily.You can see the white polyester fiber filling. I contacted the merchant many times but they did n't care about it and is planning to shirk responsibility. My credit card issuer American Express ca n't protect the cardholder. According to Fair Credit Billing Act, I do not have to pay the money. So the unqualified and defective sofa should be returned and the total amount money {$590.00} need be refunded to me.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thanks Best regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-11
Product: Credit reporting 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)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX. TransUnion, XXXX has violated my consumer rights and violated federal law. This is my attempt to notify you of this erroneous error on the part of your agency before I formally seek legal counsel. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please delete this erroneous account immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX  account ( XXXX  XXXX  account number XXXX )
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: United Recovery Solutions (NY)

Gentleman called I asked for a statement, what I received was my FIRST letter stating I/ my husband owe the debt. They had supposedly been sending letters but to the wrong address. I am not debating the fact that I owe something but I would like to see a statement and the original agreement. If they could not provide it I would go straight to the company to get the agreement and what is owed. The gentleman that called me this morning was extremely RUDE he called me a liar when I stated I never received a statement and proceeded to give me the dates I owed. Told me that the original company had attempted to contact us and send us letters. We never received anything from the music store until the debt collectors started. The same gentleman has stated that when my husband told him he was unable to pay right then as he was at work and had no way to pay, that he was turning him in at the end of the day and today told me he was reporting it on Monday more in a threatening way then really doing it. He would hardly let me get a word in edge wise when I was trying to tell him that the original company had never contacted us when there was a problem. This is when he proceeded to call me a liar. He has no idea what the circumstances are .... and for him to be so rude and nasty to myself and my husband is uncalled for. I want a statement showing the charges and I would like to see original agreement which would include the address my husband had put on it to make sure it was not his mistake on the address. I do not think that is to much to ask for. The messages say its from XXXX XXXX the letter we received dated XXXX XXXX is from united Recovery Solutions Credit and Collections Firm. I have never heard them state this name ... how do I know this is the same place? I thought when I asked for a statement i would receive a statement not a letter.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Shortly before my husbands death we had to file bankruptcy. My mother mived in with me and helped me get some credit cards i my name but under her account. All XXXX credit reporting agencies have listed the total debt of both of us as being my total debt. This is completely wrong. Also with XXXX XXXX they did give me a separate account # but have it listed twice as me debt. It is still listed under her account but is listed twice on my credit card report, Technically I have XXXX credit card that is mine and is my name only. by doing what they have done it makes my credit look a whole lot worse than it is. I 'm trying to establish my credit on my own again. The way it is now it looks terrible
Consumer complaint received 2016-08-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY (FL)

Purchased a product from XXXX for approximately {$360.00} it did n't work and I returned it. The bill from American Express kept demanding payment for something I returned to the store. I do not owe this money and have never used the American Express subsequent to this purchase, ever.
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Credit & Finance, Inc. (CO)

I had recieved a call from a debt collector in regards to a piece of furniture I co- SIgned on for my roommate and I at the time. We had parted ways 3 months after purchasing it and the other party kept the couch. In XXXX, I reviewed my credit score and saw the account on the couch was closed and {$XXXX} balance. Now a debt collector called, did not say what company he is working for and said if I did not pay right now I would be sent to an attorney and sued. I tried making payment arrangements but he would not work with me, He said this company has tried reaching out to me so I asked him to tell me when the last couple of times they tried and he told me " I am not wasting my time pulling up that stuff '' After that, he went silent and kept asking when I can pay and telling me " I don ; t want this sent to an attorney because I have no idea how bad it was going to get '' He would not tell me what attorney and if I paid something today we could set up payment arrangements in the future which seemed fishy. After that, I tried to calm him down and see if he would work with me but everytime I questioned something he said he would become aggressive and start asking for a payment again.
Consumer complaint received 2024-11-11
Product: Credit reporting 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)

I am writing to address several concerns I have encountered with my credit report, including inaccurate account listings, unauthorized inquiries, billing discrepancies, and other reporting errors. I kindly request assistance in resolving these issues to help maintain my financial stability.
Consumer complaint received 2016-06-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The debt was taken care of as a result of a consumer credit counseling debt consolidation and the original creditor XXXX XXXX XXXX XXXX was paid over {$4000.00} in which I paid more than the monthly agreed amount. The contract ended in XXXX and the account was closed. XXXX is now billing me for {$2600.00} of which I do not owe. 

When I have asked for verification they have provided me with XXXX statements showing a balance statement of revolving credit. XXXX from XXXX and XXXX from XXXX. Neither of which shows any purchases I have disputed this several times with no resolution. 

I do not owe them any money. I have paid my debt. This has been on my credit report since XXXX and I can not get rid of it. I have been trying to clean up my credit the right way and to have these types of companies who can do this is robbery.
Consumer complaint received 2017-03-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount {$900.00} on or around XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Consumer complaint received 2015-08-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have an account at Usaa I called them on XXXX XXXX when XXXX had a data breacher with me being a federal employee I was advise to take procaution so i called them on XXXX/XXXX/15 asked them to close my account ending in XXXX. I open a new account ending in XXXX come to fine out they didnt close it and alot of ach payments tried to come through and they charged me XXXX for everyone that tried to come thruogh amounting in XXXX Now they have closed that account and put holds on all my other accounts with me not being to recive my direct deposit until that is paid
Consumer complaint received 2024-10-11
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. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NY)

When I opened the Sears Credit account in XXXX 2014, I purchased a refrigerator and television, and their warranty plans, for a total of {$1600.00}, using the 24 month deferred interest promotion. I am wondering, since those were my first purchases on this account, why have n't my payments been going to those balances first? Why, in 18 months, has only {$200.00} been applied to their balances? The accrued interest set to be added is currently at {$870.00} and likely to be {$1000.00} by XXXX, when the promotion expires. 
I pay much more than the minimum due each month. At the very least, why is n't that extra money being applied to those balances? I looked throughout their website and could not find where to set it up that my payments be applied in this way. ( Another company with similar promotions has choices on their website. ) I could not find anything on their website or statement describing how payments are applied ( other than the info regarding standard payments and grace periods-which do not apply here ). There are now only 4 months left on that promotion, and I want to guarantee that all of my payments are applied to that promotional balance. 
**I tried sending an email to sears on their website. I had all the above information included. When I tried to send it, I got an error message stating " special characters were not allowed ''.
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (CA)

We keep getting a message from debt collector ( phone number XXXX ) every week for over a year. I call back to tell them I 'm not XXXX XXXX please remove my phone number from your system but they hang up.
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST (NM)

The bank charged me a {$35.00} fee which was unfounded and a huge disservice as a single mother who literally counts pennies to feed my child. I will not have anymore income for two weeks and that {$35.00} dollars was literally the budget to feed my daughter! Child Support issued my benefits on XXXX/XXXX/16 ( documentation attached ). I wrote a check in the afternoon on XXXX postdating it for XXXX/XXXX/16 which is when the {$130.00} showed up in my bank ( which was initiated on XXXX ). Yet, somehow when I woke up on XXXX/XXXX/16 the check had already been cashed ( again it was post dated XXXX/XXXX/16 ) and I had a {$35.00} fee. I do not have any money to throw around and I am disgusted in the Bank of the West for fraudulently sneaking in fees like this. I would normally let it slide, but I do not even have {$35.00} left in my bank to feed my child for the next two weeks thanks to this unexpected fee which I did my best effort to avoid by not letting my account go negative, but still got XXXX over by Bank of the West!
Consumer complaint received 2016-12-02
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Check Security Associates, LLC (TX)

This company has given out my social security number to a third party and also on my voicemail. They have also left voicemail messages with my car information, vin number, and license plate number. To a third party. They have calling myself and my family saying they will repo my car and call my car leasing agency and tell them to repo my car. They calling for the telephone number XXXX. The company is called Warner Asset Location Services. They claim their location is in XXXX but they are location somewhere in the XXXX area.
Consumer complaint received 2016-12-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (IN)

I applied for a loan modification with Shellpoint Mortgage Co. ( my current mortgage company ). I have been trying to get this loan modification settled for the past 1 1/2 yrs. They kept telling me to send various information & I complied each time. The last time I faxed all my documentation ( on or about XXXX XXXX, XXXX ) and when I did n't hear from Shellpoint Mtg Co, I called them ( on or about XXXX XXXX, XXXX ). I talked with XXXX in the loss mitigation department and he said the process is complete. They made their decision. They denied my loan modification because I was upside down. I owed more than my house was worth. The only option I had was to get current ( {$67000.00} ), Short Sale or Deed in Lieu. He explained all XXXX processes. I was never notified by mail that my loan modification was denied. First letter stated they were looking into other options for my loan, then I received a 2nd letter ( XXXX/XXXX/XXXX ) stated how much I owe to become current & on the back of the letter it indicated I was denied for the loan modification & that I was n't eligible for the Trial Period Plans listed in the letter. I have been switched to several different mortgage company during the 20yrs living in the property. I had a hardship & filed a Chapter XXXX Bankruptcy to pay my mortgage payments, along with the past due payments. I was with XXXX XXXX XXXX at the time I filed bankruptcy. XXXX XXXX, Chapter XXXX Trustee was making payments to XXXX XXXX XXXX. I also tried a loan modification with that company and did n't get anywhere, then they transferred by loan to another mortgage company, then I was transferred once again to Shellpoint Mortgage Company ( who I am with now - and they denied my loan modification ). They never checked the previous mortgage company to see where I was making my mortgage payments to. Shellpoint indicates that my payment was due on XXXX. How can I live in a home for 4 years WITHOUT making a payment. Today ( XXXX/XXXX/XXXX ) I am requesting an appeal, and provide them with Bankruptcy History Payments to XXXX XXXX XXXX so they can reconsider my loan modification, take off ALL those attorney fees, late fees and other fees they have listed because they ASSUMED I had not made a payment since XXXX.