davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from Portfolio Recovery Associates is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XXXX which they allege using an address of XXXX XXXX XXXX XXXX  XXXX, XXXX, NY XXXX. The Portfolio Recovery Associates account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and Portfolio Recovery Associates. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and Portfolio Recovery XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX  is refusing to remove the Portfolio Recovery Associates identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (TX)

The Bank Has An Promotion Going On where When Youu Open An Account They Give Youu {$250.00}. Its Been since XXXX  and whwn i seen The Promotion I Opened an account But Still Havent recieved My {$250.00}. Im Very Upset About It And Feel It Isnt fair. I Still See This Promotion Going On And Yet To Recieve My Money.
Consumer complaint received 2018-10-22
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: Experian Information Solutions Inc. (FL)

Report no. XXXX I have contacted the credit agency on multiply occasions asking for the methods they used to verify my accounts. 




After 3 times I received a response stating the accounts were verified. I was not asking to verify the accounts but HOW they verified the accounts. I asked specific questions on how they verified the accounts and have not received an answer
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We have disputed this item three times through the bureaus because the account should have never been charged off, it only went late. Every time I call in, they verify it never charged off. However, when my mortgage company called to rapid rescore it and get the correct information, XXXX XXXX   claimed it was charged off. However, every time I talk to them, they assure me it never charged off. They state it should have never been reflected as a charge off. I asked why they couldn't just fix it and they stated I needed to send in a personal letter via fax and it would take 30 days to get a response. This is unacceptable because I have already tried 4 times to get this resolved. They say they record all phone calls so they should be able to pull up phone calls and verify it never went to charge off status.
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NRA Group, LLC (FL)

National Recovery Agency called me and identified themselves as the NRA updating their mailing list for members. Being a member I gave them the information asked for. After that they advised this was a call to collect a debt I asked them who they were again and they responded the NRA National Recovery Agency
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL(XXXX XXXX) FOR THE AMOUNT OF XXXX   DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT(SECTION 611). THIS IS A CLEAR VIOLATION THAT SAID ACT.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXXXXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-22
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 — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (LA)

CommonWealth has been reporting false information on my credit reports. XXXX  is reporting false inforamtion provided by CommonWealth in regards to a bill they state I owe and has not provided me with any proof that this account belongs to me. reports have different information.

I sent off a letter for verifying a debt to CommonWealth Financial on XX/XX/2018 in regards to alleged debt. The company did not send proof of debt. After letter 2 was sent out XX/XX/2018 requesting proof the creditor has removed the information from XXXX  but has not removed the information from XXXX. CommonWealth continues to update debt on XXXX. No proof was provided by creditor. The creditor continuously reports this delinquent account on my XXXX credit report and has not proven it to be valid.
Consumer complaint received 2018-10-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

To whom it may concern : I am filling a complaint with the company, Transunion ... 
Id recently submitted certified letters to the company requesting validations for the following accounts : XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX ... 
The items were not validated and are listed as being removed, but they are still listed on my report as collection/charge offs, which is dropping my credit score ... 
Please assist ...
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, XXXX I made a payment of {$7200.00} to my Capital One XXXX XXXX card. The payment was deducted from my bank account on XXXX/XXXX/XXXX. When I went online to review the status of my Capital One credit card the available balance was around {$150.00} although I see the payment posted in my credit card transactions. I then checked my bank account again to make sure I was not missing something. At this point I planned to call Capital One to see if my credit limit was significantly and if so for what reason. When I called Capital One on XXXX/XXXX/XXXX they told me my credit limit of {$8900.00} was still in place and the payment was placed on HOLD because of the amount. I asked why was n't I notified of this HOLD, they replied they do not have procedures/requirements in place to notify a customer when they place a payment on hold. I then asked why an electronic payment placed on HOLD especially when Capital One had already received the payment as it had cleared my bank account. I have screen shots of all these dates and payments if CFPB would like visual details on the payment activity to confirm/validate my comments.
Consumer complaint received 2018-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

on XX/XX/XXXX my mortgage was sold to Loancare, it has been a mess ever since. My home owners insurance was not getting paid out of my escrow I began getting notices from my insurance company starting XX/XX/XXXX, being nave I thought it would clear up and with all of the changes it would get paid within the allotted time, I got a second notice the following month so I took action and continued to call Loancare to force their hand in paying. After being lied to about the payment being overnighted I had to call over and over finally the payment was overnighted and received by my insurance on XX/XX/XXXX. They have over drawn on my escrow account because instead of paying my insurance when it was supposed to be paid, they paid my taxes in XX/XX/XXXX that were n't due until XX/XX/XXXX. 
I am currently battling with them to process my house payment that was due XX/XX/XXXX and I paid it through my bill pay on XX/XX/XXXX which was an electronic payment and slotted to get to the mortgage company by XX/XX/XXXX, my late fees will begin on XX/XX/XXXX. I called Loancare on XX/XX/XXXX and they told me they never got it, so I called my bank and they confirmed that the money was transferred to the correct place. My bank has sent over all of the information to Loancare and now I am waiting for this to get straightened out. Late fees are not an option when I paid on time and I can prove it with bank statements. 
Loancare is almost impossible to get through to, and when you finally get through they tend to hang up on you or blatantly lie to you.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WV)

Vehicle purchased XX/XX/XXXX.Vehicle was totalled XX/XX/XXXX, 1 car payment had been paid ( XX/XX/XXXX/XX/XX/XXXX ). Insurance adjuster made a settlement ( of {$9100.00} ) with the lender who accepted. The payoff at the time was {$10000.00}, Gap insurance should have covered the remaining $ XXXX.Another car payment ( approx {$260.00} ) was drafted from account, was told that because we didn't cancel autodraft it automatically took out the money and money would be refunded after account was settled and Gap insurance took over. Several phone calls were made to resolve this and refund the extra car payment. Then was told money would not be refunded and we still owed {$15.00} which has now been reported to both our credit reports, and that Gap would only cover {$660.00}, not the remaining {$920.00} at the time setrlement was presented and accepted and bwfore an additional car payment was drafted out of the account.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has lowered my credit score..CFPB please step up and remove the error
Consumer complaint received 2018-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (TX)

Date of incident : XX/XX/XXXX Date of emergency visit : XX/XX/XXXX Amount I have to pay : {$3100.00} Company I contracted XXXX XXXX from : XXXX XXXX. 
Collections company : Amcol systems Hello, I was told to reach out to yall regarding this on going issue I have been facing with XXXX  XXXX for almost a year now. 

I had dined in at XXXX XXXX in XXXX XXXX, tx and contracted severe XXXX XXXX that resulted in a very expensive emergency room bill. I could not eat or drink for 3 days nor work. When i went to the emergency room it was infact XXXX XXXX XXXX I had gotten from XXXX XXXX. I had never been that sick in my entire life. I have been reaching out to them since the incident to see if they will help pay for the bill. I get no return phone calls or emails from them regarding my complaint. When i do call and I am lucky enough to actually speak to someone they blow me off saying someone will reach out to me and it never happens. This is the same restaurant that was in the news for having bad temperatures in their freezers and having to discard thousands of dollars in bad food products. 

At this point my bill had been sent to collections and I have almost paid the entire thing off while I have been going back and forth with XXXX  and getting no where. I dine with XXXX quite frequently and also a member of XXXX select club and their XXXX XXXX club with the casino. I feel this is absolutely rediculous for them to treat customers this way and am reaching out to yall as a last leg for help. 

I do not feel obligated to pay this bill. I have been paying on my collections and have n't missed one payment. My account is up to date and in good standing however I have 2 derogatory marks on my credit right now because of this issue
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB, I filed a complaint against TransUnion two days ago, XX/XX/XXXX, regarding an account listed as XXXX/XXXX  XXXX XXXX on my credit report ; complaint # XXXX. In my complaint I requested information regarding how TransUnion validated an account with XXXX/XXXX XXXX XXXX that was purportedly sold to Navient in XX/XX/XXXX. 
This evening ( XX/XX/XXXX ), I received an alert from three credit monitoring services that I use stating that a new negative trade line account was reported BY TransUnion. I looked at the account and TransUnion updated the account from PAID/CLOSED to OPEN/60 DAYS Late, dropping my credit score 50+ points. 
I do not believe this account change was done by accident, I believe it was an intentional act of retaliation by TransUnion as a result of my initial complaint, two days ago.
Consumer complaint received 2018-10-22
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Delta Management Associates, Inc. (PA)

My fed student loans were transfered to Delta Management Associates , Inc . 
back in 2016. I was informed that the only way that I could come out of default was to rehabilitate my loan by making 9 payments. At no time was I informed of the consolidation option. If I was given the consolidation option I would have consolidated my loans and had become eligible for Public Service Loan Forgiveness in 2016. As it stands now, due to not being informed of my consolidation option, I made 9 payments that will not count towards PSLF. Delta Management was deceptive and never gave me all the information I needed to make an informed decision. Of course, I have no doubt in my mind that they will not be held accountable for any of their deception as no one cares that most of us are trying to make ends meet.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please remove this account from my credit report XXXX XXXX XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove this account from my credit report XXXX XXXX  XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account
Consumer complaint received 2018-10-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2018 I wrote to TransUnion, XXXX, & XXXX   in regards to them saying I owe {$720.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX XXXX myself informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I would like this inaccurate information deleted immediately from all three credit reporting agencies.
Consumer complaint received 2018-10-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

My File number is XXXX To whom this may concern, Trying to read all my credit reports and scores from the credit reports. XXXX, Experisn And XXXX. The page kept saying inactive status and needs to close. Not the word for word on how error was given. Time out. I didn't even get a chance to go over everything in all 3 Reporters plus the Annual credit report. 
Not given the chance to dispute all the Incorrect information I did see. Many investigations on existing very old problems nurmgouse dates already done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I have never worked for. Many Consumer reporting agencies reported outdated negative information as well. 
It's a wonderful anyone would give me credit! Very disappointed and extremely upset my credit reports of what I did see was a complete mess! 
I do have a right to read all of it and try and fix it as much as possible and get it more presentable for when my report is looked at that perhaps I got a better chance without someone else 's stuff on it. 
Inaccurate information put on my credit report as done has cost me a lot more than realized. These reporting agencies are crazy mad it seems Please if someone could possibly get back to me ASAP it would be so appreciated. 
Thanks so much! 
I will be writing/calling XXXX  Consumer Relations regarding this.