davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have received multiple calls from Portfolio Recovery ( Portfolio Recovery  Associates, LLC   XXXX   XXXX   XXXX   XXXX , VA  XXXX  ) They call from  XXXX . He reads off my entire social security number and then tells me I owe  XXXX   XXXX  {$4000.00} from an account I had  in  XX/XX/XXXX  that was opened in  XX/XX/XXXX . I informed him that it does not appear on my credit report and that I do not owe that money. He says he has mailed me several letter but I have never received any of them. I asked him to read me the address he mailed them to but he would not. Then he asks for my email so he can send me something but I did not give him that either. Then he said that it is me and that I owe the debt and since it is passed the Time Barre d that they will take me to court and get a judgement on my credit. I DO NOT OWE THIS DEBT. My ex wife and I filed bankruptcy many years ago to clear all this up. Then he said that under FTC law they bought the debt and that they can call me anytime to try to collect.
Consumer complaint received 2016-08-30
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX I complained to the OCC & Dept of VA about the miscalculation of the escrow account that Wells Fargo Bank preformed. I continued this complaint and was told by XXXX XXXX of the OCC customer service dept in XXXX XXXX, that the information I had given was going help a lot of people. Unbeknownst to myself that Wells Fargo Bank entered into a secret agreement with the OCC for miscalculating the escrow accounts of all the HAMP, FHA HAMP & VA HAMP request. 

Wells did not did not correct the problem and as with my property that did not have a Wells Fargo Bank mortgage, was made to look as if it did with a forged Assignment of Deed of Trust created by XXXX XXXX XXXX head of Foreclosures attorney XXXX XXXX that moonlights as a Assistance Secretary for XXXX. 

Wells Fargo Bank admitted to not owning my loan, and the fact is Wells Fargo does not own any of the XXXX XXXX XXXX XXXX Bank ( XXXX ) that it was servicing. I complaint to the Dept of VA and HUD started a investigation on XXXX XXXX, XXXX were Wells was still acting as if they were the lender of the loan, as XXXX died on XXXX XXXX, XXXX without having a claim to the XXXX XXXX loans and this is part of XXXX 's % XXXX XXXX loss. 

The OCC just did not come to the understanding that Wells Fargo Bank was miscalculating the escrow accounts and as a former Wells Fargo Bank prime/government mortgage loan officer I knew how these calculations worked and knew that the insurance and taxes changed as the housing market collapsed.
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tired using my credit card today at XXXX to get a few groceries. Today is XXXX XXXX, 2017. My card declined so I called my credit card company and they said that I had closed my account about an hour ago  at XXXX XXXX eastern time. I never closed my account, so they filed a identity theft claim that will take 7-10 business days for me to get a call. They 're going to investigate if they can open my account again. I 'm confused on how they closed my account without my permission. I never even got notified that my account was closed until I tried buying something at XXXX. I do n't want this ruining my credit either since I 'm young and have worked hard for it to be a good number. I know the person who has my social security number that did this and they 've been trying to get credit cards in my name too. I had to freeze my credit reports so they could n't order anymore credit cards. I want to get justice and help other people he 's scamming as well.
Consumer complaint received 2017-06-03
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. (TX)

I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on my credit report.
Consumer complaint received 2017-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Action Financial Services, LLC (FL)

The US dept of education have garnished two months of my SSI ( XXXX ) without my knowledge, I am a XXXX XXXX person, I have tried to reach out and the Dept sent me to a collection agency and for obvious reason I got nowhere with them, I tried to explain that this is for my XXXX meds and my car payment and they did not seen to give a XXXX XXXX XXXX XXXX I even looked on my ss website and it 's not showing up as a garnishment, like I mentioned no contacted me to even make payment arrangement, and according to the rules if you 're XXXX XXXX you 're forgiven for the loan and I 've been XXXX since 2008. Please help because I need these meds and I need a car to get to my doctors. Thank you kindle. XXXX XXXX
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

My mortgage loan with XXXX XXXX was reported on XXXX/XXXX/2016 as missing the payment for XXXX 2016. This caused my credit score go down XXXX points. The same loan reported by XXXX on XXXX/XXXX/2016 show the payment made. See below XXXX report : Current Worst Payment Status 120-149 Days Late Date of Last Payment XXXX XXXX, 2016 Amount Past Due {$0.00}
Consumer complaint received 2017-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (NV)

I received a debt collection letter in the mail on X/XX/17 from XXXX XXXX XXXX/Pendrick Capital Partners II. The original creditor is XXXX XXXX XXXX in the amount of {$660.00}. The account number is : XXXX. This debt does not belong to me. I am not responsible for payment for this debt, someone else is. In the letter, it states that Pendrick Capital Partners purchased the account as the collection agency. This letter gives 2 options for payment. Option # 1 was to split the balance in 3 installments. Option # 2 was to reduce the payment to {$400.00}. I an disputing this alleged debt that is reporting negatively on my credit file. Like I mentioned before, I an not responsible for payment of this debt, someone else is.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received a Capital One Business Credit Card that was suppose to be reported only on my business credit reports but to my surprise I was notified by XXXX that the Business card was being reported on my personal credit reports. This is a violation of the FCRA, FCBA and FDCPA. I called an spoke to a Rep. Name XXXX out of XXXX Florida and he said they are required to report it on the personal and business credit and I advised him that I was told that it would only be reported on my business credit report and only on my personal credit report if the business defaults on the credit card.
Consumer complaint received 2016-08-30
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (GA)

I did a reverse mortgage back on XXXX XXXX XXXX. With A company call Financial Freedom which is a reverse mortgage specialist. they say they placed homeowners insurance on my home on XXXX XXXX, XXXX thru XXXX XXXX, XXXX had placed my own insurance on my house thru State farm on XXXX/XXXX/XXXX and is still paying it today. I have forwarded all my info to them including my health documents and my age being XXXX. Now they are trying to foreclose on my home saying I would n't pay when in fact I was paying XXXX monthly then all of a sudden the payments started being returned back to me. Now they do n't want to accept a payment plan from me at all so therefore I am filing a complaint against this company. I placed my own insurance on my property at the time of the loan with XXXX, then at the time of renewal they would not cover the house due to the age and structure of the house. This was XXXX thru XXXX. I got my house totally repaired and placed insurance on it XXXX XXXX thru today. I made payments to financial freedom until the monies owed on the insurance was paid back and they started sending the payments back to me. this is what as explained to my daughter XXXX XXXX XXXX, who is on my account to talk on my behalf. at XXXX
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified.
Consumer complaint received 2016-08-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I received a call from a company called Portfolio Recovery Associates claiming that my wife had a {$1900.00} debt from XXXX XXXX and they immediately asked how I would like to begin paying it. My wife has never had her own credit card, she uses my credit card, and I have never had any dealings with XXXX XXXX. They actually send me credit card offers consistently but I discard them. They never provided any evidence for this non-existent debt and were clearly trying to extort money.
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I opened a checking account at 53rd bank and deposited a cashiers check I received for selling some car audio. The check was for {$1900.00}, since I had no idea it was bogus I withdrew {$100.00} and later deposited {$1300.00} in cash. When I asked about the fund availability, it started getting bizarre, talking about almost 2-weeks. This was a new account but I did n't expect such a crazy hold. Well the next thing I know my entire account is on hold and the bank wont even give me the cash back that I deposited! Not only am I out the audio, but I am also going to be late paying my bills, thanks to these heartless XXXX! Like being screwed over by some scam artists were n't enough, now I have no access to my own cash?! I mean seriously ... what the heck kind of people kick other human beings when they 're down!
Consumer complaint received 2024-08-26
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. (CA)

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, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-06-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This XXXX, we applied for a HELOC and were turned down because of a problem with our title. A copy of a letter describing the problem is attached. The lawyer who did the title search indicated Bank of America could solve the problem in two ways. Bank of America refused to provide the requested documents.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Under the New law effective XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true Bankruptcy listed does include this information and should be deleted from my credit report.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I applied American Express SPG credit card at XX/XX/XXXX. The promotion offer is XXXX Starpoints after {$3000.00} or more purchases within the first 3 months, and additional XXXX Starpoints after additional {$2000.00} or more purchases within the first 6 months. On XX/XX/XXXX, the customer service of American Express had confirmed that I have met the spend of {$3000.00} and should receive the XXXX Starpoints on the statement of XX/XX/XXXX. But I still have n't received the XXXX Starpoints even on the statement of XX/XX/XXXX. Attachments include : ( 1 ) The American Express SPG credit card was approved at XX/XX/XXXX. ( 2 ) Confirmation of meeting spending requirement form AmEx Customer Service. ( 3 ) Statements from XX/XX/XXXX to XX/XX/XXXX showing that I spent more than {$3000.00}.
Consumer complaint received 2017-06-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Constantly calling with short ANNOYING statements " CALL ENDING ",  XXXX  THEN A PAUSE AND DISCONNECT and other short comments through out the day Several Times A day ... ..sometimes Just Holding the line.
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

I am writing about a collection on my experian credit report. The collection comes from XXXX XXXX. XXXX XXXX XXXX is handling the collection. I have been a victim of identity theft and someone setup account with several credit card companies acting like me and never paid them. I have report this on all my credit reports. There is a fraud alert too. The amount is showing up as {$910.00} and as a negative collection. I need XXXX XXXX XXXX to remove it completely from my Experian report. I am refinancing my home and they indicated that it would have to be removed and corrected before I can move forward. I am just being honest.
Consumer complaint received 2017-06-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (FL)

Chase g ave me  a Tax Year   XX/XX/XXXX Form  XXXX .  <P/> I filed and paid taxes on {$13000.00} in which ; I owed less than {$13000.00}.  <P/>  XX/XX/XXXX   XXXX   XXXX  ( est ) I spoke with "  XXXX  ''  of Chase co ncerning form  XXXX . I asked, " Is this what I should be receiving? ''  XXXX  told me, " call back next week. ''  XX/XX/XXXX  I called back  XXXX . I spoke with  XXXX   XXXX  concerning form  XXXX  " Is this what I should be receiving? ''  XXXX   XXXX  submitted a work order.  <P/>  XX/XX/XXXX  I called back and spoke with  XXXX   XXXX ,  Senior Service Specialty.   XXXX   XXXX  said, " Yes, I should have received form  XXXX  '' I stated, " I have continued to make my payments and I sent a form requesting my account to stay open ''.  XXXX   XXXX  said, " I should continue to make payments if, I want to keep my home but,  XXXX  do not have to accept my request. ''  XXXX   XXXX  then turned my call over to  XXXX   XXXX .  <P/>  XXXX   XXXX  said, " I was flagged bankruptcy interest. ''  XXXX   XXXX  then turned my call over to Account Service  XXXX   XXXX   (  or  XXXX   )  to request  XXXX  amended adjustment current principle.  <P/> I have continued to make regular on time payments t o Chase.  Last payment sent was  XX/XX/XXXX .  <P/>  XX/XX/XXXX  I received a noticed.  Chase has cha nged my line of credit account number and I am to send payments to a " new account number '' starting in  XX/XX/XXXX .  <P/> Is this an attempt to violate federal consumer financial laws?
Consumer complaint received 2017-07-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

Around XX/XX/XXXX my husband had to take a pay cut, we applied for assistance it was granted XXXX XXXX  but not made aware of the interest that would build up during the hardship. XX/XX/XXXX I being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was injured and have not been able to work since XX/XX/XXXX due to XXXX XXXX and now facing XXXX. XXXX XXXX was made aware. The amount showing we owe is unbelievable, we let them know about our extreme hardship only to be misinformed and ignored.
Consumer complaint received 2024-08-26
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. (UT)

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, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

This debt comes from XXXX XXXX XXXX and list for {$150.00} Someone used my social security number with XXXX XXXX XXXX and set up an account and never paid for it. I need XXXX XXXX XXXX to clear and update this debt as positive and remove it from my Experian report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.
Consumer complaint received 2017-06-22
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: EQUIFAX, INC. (WA)

Started dispute with Equifax on XXXX/XXXX/2017, was received and updated to pending status same date on the website. Confirmation number is XXXX. Had an estimated date of completion XXXX/XXXX/2017. As of today, XXXX/XXXX/2017, it is still listed as pending. I am waiting to buy a house, and do n't see any other way of contacting them to get them to move on this other than submit a new dispute, which would then drag this out. As far as I am aware, if it has been 30 days and no response, they are supposed to remove the disputed credit information. Thank you for any help!