davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (IL)

TCF Bank without any prior notice to me in writing or any other form of communication debited my account {$160.00} from my checking account. While I was physical at the XXXX branch completing a transaction with a teller. My account was setup as close to debit since no additional information was available Or documented in my account. After filing a fraud complaint form per XXXX branch manger on duty, XX/XX/2018 at appropriate XXXX XXXX, I was instructed to initiating a police report with XXXX Police. I was promised a follow up in a few days from the TCF fraud department. After not receiving any communication I called a number listed on the Fraud complaint form to my surprise the branch never submitted the forms. 

The representative assured me follow up will be communicated. Days later I was notified the deductible was for a safety deposit box that was open five years prior and the fees was for four years of rental payments. Perplexed I visited the opening branch seeking clarification. The male Teller advises a lot of complaints has been coming in from customers such as mine because there account was debit without knowledge for account setup years prior. I was contacted by XXXX XXXX, TCF supervision of operations responded to my inquiry from the branch visit via a retuned phone call. XXXX explained I should have had a checking account setup for yearly deductions so it wouldnt have been so long before the funds was taken without and communication prior. 

I explained it was indeed setup with a checking account and wanted a copy of all communication concerning the safety deposit box. She explained there was no form of communication linked to my account that could be resent no record of letters or any other form of communication. Despite all other transactions being documented over the five year period. I explained my frustration with not being noticed of the deduction for a transaction that wasnt even communicated to me by any other means prior to the withdrawal. XXXX explained I can contact XXXX since she had no additional information on the letter that was suppose to be generated over four years and nothing could be done about the refund of my account.
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

Their daily interest system is not correct and they are taking more money on interest then they should. This has been going on for more than 4 months. 

My annual interest rate is 28.75 % my loan amount on my last statement was {$4500.00}. My daily interest is {$3.00} ( fluctuate depending on principal balance ). I pay daily with all my loans, I pay interest plus extra to go towards the principal, ( this pays the loan off faster ( car loan was paid off 5 months early ). OneMain Financial swap the amounts. Instead they take the large amount and put towards the interest and put the daily interest towards my principal. ex. XX/XX/XXXX I paid them {$20.00} they put {$17.00} to the interest and {$2.00} to the principal, XX/XX/XXXX I paid them {$14.00} they put {$10.00} to the interest and {$3.00} to the principal, XX/XX/XXXX I paid them {$14.00} they put {$10.00} to the interest and {$3.00} to the principal. I called them on XX/XX/XXXX and my call went up to the supervisor, when she finally understood the break down going off of their daily interest formula ( Principal Balance X ( Annual Interest Rate* / Year Count** ) X Number of Days Since Last Payment ( https : //www.onemainfinancial.com/XXXX ), she told me that she will take this to the financial heads and they will get back to me in two days. I never heard back. I called plenty of time before the XX/XX/XXXX and was put on the run around. This is over {$100.00} a month that should have been going towards my principal and my principal should be lower than what it is now.
Consumer complaint received 2018-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (GA)

I have no idea who Commonwealth Financial is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Commonwealth Financial is indicating that the account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized
Commonwealth Financial as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Commonwealth Financial } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Commonwealth Financial, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2018-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (MN)

In 2014 I sent numerous emails to my advisor at XXXX XXXX XXXX University. I was a new student attending classes online. It was an attempt to complete my degree after a XXXX XXXX XXXX. Within a week I knew I had bitten off more than I could chew. I emailed stating that I wanted to drop my classes because I wasnt able to keep up and was having bad headaches. I received a response that I could take my time with assignments and drop one of the classes. My response was that I wanted to drop all classes and continue at a later date. My body was telling me that I wasnt ready, and the stress of the quality of the work I put forward was unnecessary to deal with. I sent many emails and left a message asking for my classes to be dropped. If I were able to drop them on my own I would have. I didnt hear anything back until after the cutoff deadline. I was I informed that if I withdrew Id be responsible for paying the tuition because it was after the drop deadline. I emailed stating that wasnt fair as I had attempted to withdraw before the deadline, and I was unemployed so had no way to pay the tuition. Thus why I was receiving Financial Aid. I wasnt withdrawn from classes and I didnt attend either. Account was sent to collections for XXXX
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Since XX/XX/XXXX, I have been disputing information about Portfolio Recovery Associates-a debt buyer that bought a debt from XXXX XXXX card I supposedly owe. 
Although I have requested valid documentation ( proof of signature ) that this debt is mine, I have not received this information from them. 
Meanwhile, they have illegally re-aged the account ( which shows to be open in XX/XX/XXXX on credit reports ) to show an open date of XX/XX/XXXX. They also have a payment status reporting to the credit bureaus of " Seriously Past Due-assigned to an attorney '' which is threatening behavior from my standpoint.

XXXX XXXX also has shown Metro 2 non-compliance with having a high balance lower than the owed balance, missing important fields or errors in the fields like the open date, not providing the entire account #, not showing the date of first delinquency and not providing the correct original lender on some credit bureau reports. I have also hired a credit lawyer who is working on this situation, but it seems to stay unresolved even though we've given them opportunity to remove the account from the credit bureaus due to the illegal errors.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

False repossession and delinquent accounts plus a whole bunch of credit inquiries on my experian, XXXX  and XXXX which are not mine. I've been wasting alot of my valuable time just on the phone and disputing
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

A few months ago I realized upon applying for a home loan that my credit had dropped severely to where I was declined. I then pulled my credit reports to find a couple derogatory accounts on my file that were not mine, both from XXXX XXXX, XXXX. I have never heard of or done any business with this company ever. The main account that they allege that I owe them is acct # XXXX in which the amount is {$620.00}. I have been in correspondence with them explaining that I dispute this debt because it is not mine & then I demanded a few times in a few different certified letters that they need to delete these wrongful accounts from my credit file. ( see attached copies ). A company named Resurgent Capital services responded after my first certified letter ( delivered by the  XXXX on XX/XX/2018 ) stating that they manage accounts for XXXX XXXX. All of my communications have been with Resurgent Capital Services since then. They are debt buyers and allege I owe this debt to them. ( See attached copies ). All allegations from this company are false and I will be filing a lawsuit in small claims court if they dont Cease & Desist all collections efforts and then send me a Cease and Desist letter stating such. Furthermore, I would like them to remove all derogatory claims/files against me on my credit reports ( this especially includes XXXX XXXX, XXXX & XXXX ). 
Please see all attachments. 
The small account that this same company alleges that I owe is acct # XXXX .... 

Thank you for your time in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION (NC)

OK so I have file to complain and try to get paperwork seeing where I supposedly applied for some kind of XXXX thing Im asking again for documentation with my signature on it that I have signed to apply for this I have never even been to this company or seen this company
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, Portfolio Recovery Associates, who is all violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans ( specifically, a home loan I am trying to obtain currently ).

Portfolio Recovery Associates are falsely reporting information to all 3 major credit reporting agencies, XXXX, XXXX, and XXXX. Violations include but are not limited to falsely reporting a debt as new or re-aged by altering dates such as changing the " Date Opened '' on my credit file to make the account appear newer than it is ( which also resulted in my FICO score taking a major plunge because it is reporting as a new debt ). Also, they are falsely reporting as a factoring company when they are actually a debt collection company. This is a violation to FCRA. And also listing themselves as the " Original Lender '', another violation to FCRA. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this debt collection agency was removed back in XX/XX/2017, only to learn they are still falsely reporting to all 3 major credit reporting agencies. I am still trying to understand how they were able to just report the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies.

I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.

Thank you
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc. (WA)

To Whom It May Concern : On XX/XX/2018, I tried to open a bank account at XXXX XXXX XXXX as was denied due to an amount of {$330.00} reporting to XXXX by XXXX XXXX XXXX, now known as XXXX XXXX. After calling the bank to inquire and asked about how long it would be before the account was removed from XXXX, I was put on hold then blind transferred to a collection agency by the name of Convergent. 
The collection agency answered the phone after a blind transfer, how may I help you? As I was blind transferred at that time, my girlfriend identified herself as XXXX XXXX and the collection agency failed to get my authorization to speak with her and failed to mention company name and/or give mini miranda. At this time, the collector didnt know the answers to the very specific questions regarding the account they were collecting for their client, XXXX XXXX/XXXX XXXX. Not to mention blindly transferred to them without knowing it until later on when my girlfriend clarified from a very late Mini-Miranda. 
The questions being asked by XXXX XXXX were specific to the account Convergent was collecting for She wanted to know more about the ChexSystems process, which is the question I had initially asked the bank before the blind transfer. He continued to tell her he didnt know when the account would be deleted from XXXX. After clarifying I was transferred to a 3rd party collection agency, she asked for a supervisor that may know the answers to the questions she was inquiring about. 
She also failed to mention the Mini-Miranda, also asking for the name on the account my girlfriend again stated her name and they continued to discuss the account without getting authorization from me. They even asked if the account was for XXXX XXXX. She said yes. These are clearly violations of the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : - My girlfriend was with me and wanted her to speak with the collection agency. Collection agent answered the phone how can I help you at this time I didnt know we were even on the phone with collection agency ( Convergent ) Mini Miranda was not given by collector until later in the call. 

- Collector asked for name and my girlfriend clearly identified herself as XXXX XXXX and at that point they continued to give her information without asking my permission. 


- Supervisor by the name of XXXX XXXX advised her after the conclusion of the call that she didnt violate any laws by speaking with me and she can talk to anyone who calls. 

- In addition, when I contacted the company regarding the debt in XX/XX/XXXX, they failed to send me validation of the debt.
Consumer complaint received 2018-12-03
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. (GA)

XXXX XXXX XXXX XXXX {$350.00} ( charge-off ) &  XXXX XXXX XXXX {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NV)

Trying to use a " XXXX XXXX '' online calculator, I inadvertently submitted a request for mortgage brokers to contact me. QUICKEN LOANS immediately contacted me by phone. I told them it was premature because I needed to fix some things on my credit report, including waiting a few more weeks for some hard inquiries to go away after two years. I explained I did NOT want them to do a hard inquiry because it was premature. I explained the situation, because I was willing to work with them when the time was right. After my explanation, I asked " what are the next steps? '' The male person on the call ( there were two, one was female ) said the next step would be to pull a credit report, and I said OK, acknowledging that such would be the next step. I expected him to continue by giving me contact information that I could use when I was ready to run the report. Instead, he ran a hard report in direct contradiction to my express instructions. That hard inquiry is now on my report for two years, and has already negatively affected my credit. I told them to contact the credit bureaus and explain that it was their mistake but they refused. I am extremely angry because I have been working on my credit. I need to refinance and this will negatively affect me.