davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

On XX/XX/XXXX I made a payment to central credit service in the amount of {$1200.00}. This was a settlement payment for all medical bills that was in collection with this company. However my credit report states that I still owe money for another account. When I called Central Credit Services they stayed that this amount will take care of all debts owed. However now they state that it did not take care of all accounts. I never noticed that the receipt did not have all accounts listed. I was deceived into thinking everything was at XXXX balance. The agreement I made over the phone is to cover all debts with Central Credit partners under XXXX XXXX XX/XX/XXXX. Central Credit Services staqted i only paid the {$1300.00} portion of the debt. insted of the settlement beeing calculated for all debts owed to the company which is around {$3000.00}
Consumer complaint received 2017-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (NM)

2nd notice : Complaint number :  XXXX  On  XXXX   XXXX , I submitted a complaint to your website. I received a response fro m NCB Management Services. I a ppreciate your answer. You stated you have removed my number from your database. I received a call on  XXXX / XXXX /   2017  at  XXXX    XXXX   from  NCB Management Services, again . The lady stated that her name is  XXXX . I could not understand her last name. She stated that she was calling in reference to a  XXXX   XXXX   XXXX , and for me to please call her, so she could help me take care of this. The number given was  XXXX , extension  XXXX . I do not have a loan with this company, and I have never heard of this company.  NCB Management Services is  not to call me, according to their answer from my  XXXX / XXXX /   2017  complaint.   XXXX  Please, please, have this company to stop calling me.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans Union refuses to properly report my former student loans from XXXX, which were discharged due to XXXX on XXXX XXXX 2016, as tpaid in full, closed, and XXXX balance. Trans Union previously reported by former XXXX loans correctly, only to revert them back twice. I want these former loans with Navient permanently reported as closed, PIF, and XXXX balance,
Consumer complaint received 2017-07-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (AR)

On XX/XX/XXXXmy loan processor established a mortgage loan through Gateway Mortgage Group , LLC XXXX XXXX. Upon making my first payment I immediately noticed that I DID NOT get a receipt. On XX/XX/XXXX I contacted Gateway Mortgage and told them of my concerns regarding the lack of a receipt. The only correspondence I received from Gateway Mortgage when making a payment is an email stating that : " We are letting you know that an online payment has been scheduled on your account. '' NO payment amount or additional payment amount is displayed. XX/XX/XXXX I began corresponding via email with XXXX XXXX at Gateway Mortgage who stated " We do have plans in place to make improvements to the website and ask for patience in the meantime ''. In a later phone call from XXXX XXXX she stated that they were going to have this problem corrected with the next 6 months. TO DATE, THEY HAVE MADE NO ATTEMPT TO CORRECT THIS PROBLEM. Now comes a letter that I received today ( XX/XX/XXXX ) stating that Gateway Mortgage is going to start charging a FEE for on-line payments. This is TOTALLY unacceptable!!!!!
Consumer complaint received 2017-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Around XX/XX/XXXX, I was checking my credit report on credit Karma and it stated that my chances of getting a Capital One Credit Card was fair. I went to capital one website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new capital One Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with capital one 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. Capital One should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX is misreporting an account I had with them as charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid DIRECTLY to XXXX and not a third party collection agency. The minimum that XXXX could have done was accurately update my credit report as " collection paid ''. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and to have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2017-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ZWICKER & ASSOCIATES (CO)

I am in the process of resolving all of my credit card debt. I employed XXXX XXXX XXXX to mediate the process. I make consistent monthly payments so that they can negotiate repayment of my credit card debt. On the outset, I was told XXXX XXXX do not settle debt. Therefore, I am not disputing my balance with XXXX. I am willing to pay what I owe to them. <P/>I was summons to court by Zwicker & Associates, P.C. regarding the {$3200.00} past due balance I owe XXXX. My court date was XX/XX/XXXX at XXXX XXXX. I checked in with the clerk at XXXX XXXX. By XXXX I was n't I proceeded to checkin with the clerk again and was told Zwicker entered a default judgment against me because I did not appear in court. That is a false statement. The ourselves did not call my name to discuss a resolution. <P/>The day prior to my court date, a arranged with XXXX or Zwicker collection department to make a {$300.00} payment on-demand and recurring $ 300 monthly installments via ACH through XX/XX/XXXX. The last debit from my bank account will be {$230.00} on XX/XX/XXXX ( confirmation # XXXX ). I called Zwicker & Associates office back to 1 ) inform them of the repayment arrangement and 2 ) to verify whether a court appearance would be necessary. Zwicker 's refused to verify my payment arrangement except to say they can not give legal advise. <P/>I feel deceived and harassed by Zwicker & Accociate. After the clerk tried to call the counsel to return because I was in fact in the courtroom on XX/XX/XXXX she would not return ; however she entered a default judgment against me. I received another summons to appear in court - a continued return date on Friday, XX/XX/XXXX at XXXX. Zwicker another cost of XXXX in addition to the $ XXXX monthly installment agreement between Zwicker Debt Collection staff and me on XX/XX/XXXX. <P/>I am willing to repay the debt I owe. I hired XXXX XXXX XXXX to assist me so that I can avoid numerous calls from creditors at my home. It is a huge inconvenience to me to travel miles to court and miss a half day of work because the collection agency refuse to verify and perform due diligence on this account in which I plan to pay XXXX the entire past due balance. The collection practices appears to be unfair, deceptive, misleading and abusive. Can someone help me with this matter? <P/>I attached documentation that refects Zwicker 's deceptive abusive practices along with payments they debited from my bank account {$600.00} to-date. The statement in Zwicker 1 attachment is not true. I was in the courtroom 15 minutes prior to my appointed time. The Counsel did not call for me and proceeded to file a judgment against me.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Consumer complaint received 2017-05-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

So my sister received a call from some collections firm representing  ACE Cash Express.  The firm stated that they have been unable to reach me and told my sister that she needed to contact me to notify me that they are threatening criminal charges against me for and unpaid debt i had in the amount of  XXXX  dollars from  2015. Als o that the needed to serve me papers at my place of employment of a law suit as well for Fraud. the released all this information to my sister who is only a reference. She then contacted me and gave me the firms contact information. So I called and was willing to make a payment arrangement with the firm after being threatened in the same manor, with a law suit and criminal charges and coming to my place of employment. I then told the woman i was speaking with if i could speak to someone else because she was being extremely rude and yelling at me and she said no. She stated that that was my only option was to pay  XXXX  every  2 w eeks I said I was not able to do that and she said well we are pressing charges on you then and proceeded to hang up on me. The woman would not give me her name either. This has caused so muc h   stress on  me at the moment my fathe r is really sick   XXXX  in th e  hospital and then i receive these threats. Is there any insight on this matter? The contact person that contacted my sister left the following information :  XXXX   XXXX   XXXX  Case #  XXXX
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I have filed a dispute with XXXX and equifax on my bankruptcy that they have listed. They have refused to remove it, after multiple disputes. I have even expressed that XXXX has removed it due to false information. They have the amount filed on incorrect. XXXX has it listed as I filed on {$0.00} and equifax has the amount more or less then what I filed for. I have stressed my concerns and even the possibility of a law suit if not removed. They have all come back stating that it is going to stay on my report and they have updated the information. However, they are not updating the information as stated in dispute summary. I would like this removed now since multiple disputes have resulted in the defamation of my name. I have gone back to school and I am unable to obtain personal student loans to help finance the completion of my degree. My next steps will be a law suit within the court systems if necessary.
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Dear XXXX XXXX IQ DATA INTERNATIONAL Mailed me 2 documents on XX/XX/XXXX-2017 enclosed was validation of debt. However the documents sent to me was documents typed up from IQ DARA INTERNATIONAL. I would like to see a signed contract with my name and dates showing i have a contract withIQ DATA INTERNATIONAL. Below is the documents that was mailed to me which is  not a validation of debt. <P/>Thanks
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTION BUREAU INCORPORATED (ID)

Saw a massive hit to my credit report with my free yearly credit check. Says Collections ACTIVE. <P/>Date reported is XX/XX/XXXX on the credit report. ( Illegally reporting false debt ) Date on Court documents states XXXX XXXX XXXX. ( I'n my eyes ; Submitting False Evidence ) Debt Collector notified me of intent to collect, I disputed the debt. They claimed it was valid and we went to court. <P/>Oregon Case No. XXXX Collection Bureau , Inc vs Me ( Defendant ) I won in court, having the entire amount dismissed with prejudice. <P/>Now some time has passed and come to find out they violated the FDCPA by reporting to Credit agency XXXX. From case notes provided by Collections Bureau Inc for Case XXXX ( XXXX Oregon ) Collections Bureau Inc Claims debt was assigned to them on XX/XX/XXXX, a day after they reported it to my Credit Agency Damaging my credit. Upon getting notified of their intent to collect I refuted it 's validity and even won in court at a later time. They did not remove their collection notice from collection agencies and illegally damaged my credit rating. Unknowingly I have suffered with a lower credit score that may have affected my purchases interest-rates and that of my student loans seeing they are on variable rates. I contacted Collection Bureau Inc today XX/XX/XXXX, informed them of the situation. They transferred me to legal. I informed legal of the situation and they stated I must dispute the claim if I do not want it on my credit report. Seeing they illegally reported against my credit and refused to take action to remedy the situation ; I am reporting this to Consumerfinance.gov I'n hope to prevent future person ( s ) from having to deal with this agency. <P/>At this point I retain my rights to prosecute for damages or any other issues relating to this case. I 'm 100 % sure if they wish to contact me with an public apology, that they still have my phone number. In the mean time I have disputed the claim on my credit report and hope to see this issue resolved quickly.
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I was prequalified for a mortgage iao $  XXXX  with   Pen Fed Credit Union   on  XXXX / XXXX / 17  I then submitted all my financial documents, and was " Approved '' to purchase a home iao $  XXXX .     After getting the inspection, appraisal, title, insurance I was told the  UW made a mistake and denied.       Multiple Pen Fed e mployees advised me both verbally and in writing that a n UW  had reviewed the file and there were no issues.     I can understand this issue not being addressed during the Pre-qualification stage, however I submitted ALL m y Income & Asset d oc 's to PenFed on  XXXX , it too k 2  weeks to determine the loan did not qualify??     In addition, Title work, Inspections, Appraisal,  Home Owners Insurance have all been completed ... we   were set to close  XXXX . Not to mention my lease expires this month, so  I may  be potentially homeless ... .hopefully my landlord did not lease my apartment.     I can certainly understand guidelines, policies and procedures. However, the # 1 question I have is, why are we just now having this conversation?? The typical mortgage transaction should take roughly 30 days or less in a perfect world ... surely your underwriting staff is not waiting until da y 14 to  rev iew Income? ? There definitely was no delay on my end, I had all doc 's uploaded usually w ith in 24hrs .     After bein g a PenFed m ember for  9yrs I certa inly did not expect that this would be my experience, especially considering this bein g one of  the most important financial decisions of my life. I was misinformed and miseducated the entire process.
Consumer complaint received 2017-07-10
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. (AL)

IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS EQUIFAX AND XXXX REGARDING XXXX XXXX XXXX XXXX WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT XXXX XXXX XXXX XXXX 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A XXXX REPESENTATIVE DATED X/X/2011.
Consumer complaint received 2017-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

My credit score is very low XXXX. I have had several lenders look at it and they have no explanation on why it is so low. They tell me the data on my report does not represent a score in the XXXX. I have no late payments in the last 4 years. No collections, bankruptcy or public records. I want to know why my score is giving me a black eye.
Consumer complaint received 2017-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

My credit score is very low XXXX. I have had several lenders look at it and they have no explanation on why it is so low. They tell me the data on my report does not represent a score in the XXXX. I have no late payments in the last 4 years. No collections, bankruptcy or public records. I want to know why my score is giving me a black eye.
Consumer complaint received 2017-07-10
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. (NJ)

The account shows account in collections. The account was paid in full over 1 year ago in the amount of {$1700.00} acct # XXXX it says deferred to 2021
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase is in violation of the fair credit reporting act. First of all they abruptly closed down all 5 of my credit cards. I never once made a late payment. This discrimination against me during a time I am in a XXXX in the hospital about to XXXX XXXX XXXX. Then on top of that, they have violated the fair credit reporting act by viewing my XXXX, XXXX and XXXX credit reports. I have proof from all credit agencies, with dates to prove they have done this 6 times with out my authorization or approval to do so. This is highly illegal and I could and can will pursue legal action against them. I am demanding this restriction be lifted from all 5 of my cards and chase to stop violating the fair credit reporting act