davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-06
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. (DE)

on XX/XX/XXXX i called XXXX XXXX to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call XXXX XXXX there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since XXXX took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (CA)

On XX/XX/XXXX, we purchased 2 cell phones from a XXXX XXXX retailer, XXXX XXXX. The sales representative, XXXX XXXX, sold us a bundle package for 2 cell phones, 2 tablets, 2 virtual reality headsets, a XXXX XXXX device, a XXXX XXXX, and other cell phone accessories. During the purchasing process four additional lines were activated with a 2-year agreement on each. XX/XX/XXXX, we decided that we no longer wanted the XXXX XXXX device and we contacted XXXX to terminate the attached line of service ( XXXX ). XXXX informed us that we would be liable for a charge of {$100.00} for early termination, which we agreed to and paid XXXX XXXX for. On XX/XX/XXXX, we received a collection letter from Aldous & Associates regarding a collection attempt on behalf of XXXX XXXX for {$20.00}. I contacted XXXX XXXX to inquire if they had any outstanding charges on our account and we were informed that our account with XXXX XXXX was current with no outstanding charges. Afterward I contacted XXXX XXXX, the sales representative said that he could not consider the matter and that I would " have to physically come to the store and speak to the manager tomorrow between XXXX XXXX and XXXX XXXX. '' I then contacted Aldous to inquire what the outstanding charges for the collections were for and they told us that XXXX XXXX charged us a bill of {$20.00} for breach of contract for early termination on the XXXX device. We asked the collection agency why did the retailer not notify or send us any correspondence regarding the issue before this collection letter? They responded that " XXXX XXXX feels like this is more effective. '' Therefore, I was not afforded the opportunity to correct the alleged charges before my credit is at risk of being damaged. Additionally, I reviewed my signed Sales Agreement with XXXX XXXX and there are two sections regarding agreements to the policies. The first section states the Early Termination Policy in which we honored with XXXX XXXX. The second section is regarding policies with XXXX XXXX, which I was not asked ( and I did not ) sign. In the second section, it explicitly states that " I have obligations to XXXX XXXX that are separate from my obligations to XXXX. '' It continues with another early termination policy allowing XXXX XXXX to recover payment. Again, this second section is not agreed upon and I was not asked by a sales representative to sign it for the sale.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XXXX  has  XXXX  items on my credit report that do not belong on there.   XXXX   1.   XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX  2. On my   XXXX    XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.
Consumer complaint received 2017-07-06
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. (CO)

XXXX   has  XXXX  items on my credit report that do not belong on there.   XXXX  1.  XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX  2. On my   XXXX    XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.
Consumer complaint received 2017-07-06
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. (NY)

My complaint is against XXXX : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that XXXX were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. Three separate disputes were filed with XXXX ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : XXXX Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, XXXX is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XXXX_Experian Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from XXXX and Experian credit reports, although when comparing them the payment history does not report the same patterns ... see XXXX and Experian attachments
Consumer complaint received 2018-04-17
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: MAJR Financial Corp (OH)

NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!
Consumer complaint received 2017-07-04
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: Diversified Consultants, Inc. (FL)

On  XXXX / XXXX / 2017 , I sent a letter  to Diversified Consultants asking them to validate a collection that is being reported on my credit report. I neve r received a response.   XXXX  On  XXXX / XXXX / 2017 , I sent a second letter t o Diversified Consultants asking them to validate the same collection that is being reported on my credit report. I still hav e not received a response.
Consumer complaint received 2018-04-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP (FL)

I have lese a car in XX/XX/XXXX from American Honda finance corporation.in XX/XX/XXXX I have surrendered back the car to the dealership because I was behind on a payment and they keep calling my job and my co worker and manager keep knowing that I was behind on my payment.i felt badly but most of my co workers understand because we work at a car dealership and sometime it gets slow.The boss get me a little XXXX  car and I pay him montly for that one. In XX/XX/XXXX I have been contacted by XXXX XXXX XXXX XXXX   and they told me that they have my account at their collection dept.and they told me how much it was and they asked me if I wanted to set up a payment it could be any amount, i would have to pay {$7.00} plus that amount to the account.I make arrangements to pay $ XXXX month to my account, so all together I pay {$57.00} every month until I get a letter from American Honda finance stated that they no longer work with XXXX so I must pay them that {$50.00} every month.I stated to pay American Honda finance since XX/XX/XXXX, first they sell my account to some place I can't remember, they call me I have your account I said what account, they told me American Honda finance sell them my account I told him I pay my bill.i call American Honda finance and told them I was going to complain to you guys and they keep the account and I still pay them.my big problem is I have been always getting letter that I haven't pay them, I call them all the time I got those letters and they told me that they are going to update their system and I don't have to worry but XX/XX/XXXX they reported incorrectly to the credit bureau taking 40 points from my credit and I trying to buy a house.i call them and they said they are going to send to XXXX  I call them dispute it.today I see my XXXX report miss pay so I call American Honda finance the lady told me I have money for her from XX/XX/XXXX. what can I do.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (CO)

Monthly I have been manually making my payment and I did not have access to online to see the history. BBVA Compass continued trying to make the minimum payment out of my closed BBVA Compass checking account and then charging me a returned check fee for their checking account for their credit card, these charges were in excess of {$25.00} per month. They states I did n't " qualify '' for a fee refund since it was autopay even though I had requested three times ( XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ) for the auto pay to come out of the account I provide them when I call into make a payment. They stated that someone internally must of made an error ( XXXX at BBVA Compass on XX/XX/XXXX ) and that who knows how they processed it but " management '' would have to decide whether they would refund the returned check fees for their own checking account autopays from their credit card. This has to be illegal?
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (CT)

A claim was filed for item not received on or around  XXXX   XXXX , an item from   XXXX   in the amount of  XXXX . An affidavit was signed, faxed in, verified received by Suntrust claim  rep ( s  ). I received a letter shortly after from a  XXXX , claim rep, asking me to call him as he needed to know what the item is that is missing, which was already stated to rep who took claim. Several calls were made to reach him, left several voice messages, none returned. A  XXXX   XXXX  was ordered, missing from box, this was detailed in claim.  XXXX  reps refuse to refund, will only reship item,  XXXX  will not investigate further was claim was closed on their end by mistake and will not reopen it. I received a letter from Suntrust today, in regard to case  XXXX , stating it is now closed as I did not provide information they requested in a letter dated  XXXX . I believe this is the same letter from  XXXX , asking what the item is that was ordered. The claim rep I spoke with today,  XXXX , stated investigation is still open, which is contrary to what letter states
Consumer complaint received 2024-08-27
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank neligent in customer service and handling of disputed charge which has now caused me a severe lost Bank of america promised that they closed my card and no further charges were able to come in. After a XXXX charge did come thru rep told me that prior rep didnt actually closed the card and she messed up. I told him charge should have never been because card was supposed to be closed. Instead he issued a dispute on the charge and removed it. I never heard from the bank and charged reapeared and wreked havoc on my account. I called XXXX XXXX and a woman apologized that i was not notified about answering the dispute and she would try to remove on that day and at worst 2 biz days and i would not have to worry about overdrafts. It wasnt reversed and now i have overdrafts hitting the account and lost my salary in a transfer to it. I called and was told that the woman was wrong to tell me these things! I was told i need to submit a written response. They sent the original demand for a written response to my listed physical address not my mailing address listed on my account. This guy tells me we dont pay attention to that in this matter!!!! Repeated that it didnt matter what my mailing address listed! He would not help me further in the mean time i am getting overdraft blizzards and i dont have money for groceries!
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I am unable to view and or dispute anything online through Experian. They wont let me do anything unless if i mail them and pay them or wait on hold for hours on end
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

XXXX turned me down for a lease on a new vehicle, stating that EQUIFAX ca n't give them a credit score, due to some kind of Fraud Alert, of which I know nothing about, nor where it came from, and cant get any answers. No explanation, nor have I been provided any documentation. I have good credit, with no problem getting a credit score from XXXX of XXXX.
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (AK)

Received email alert from XXXX XXXX of a collection on my credit record on XX/XX/XXXX. Filed Request for Credit Report with XXXX XXXX and XXXX credit reporting agencies. Reviewed all 3 credit report agency reports and found the following discrepancies : 1. Collection of {$370.00} were reported on XX/XX/XXXX with XXXX, XXXX and XXXX 2. XXXX and XXXX also report an incorrect past contact or address Disputes were filed online with XXXX  XXXX and XXXX An EOB from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$370.00} was received by me that stated Amount You May Owe Provider : {$0.00} soon after the date of service. No other communications of any kind from any person or organization were received by me nor my husband regarding this visit at any time until I received the email from XXXX XXXX mentioned above on XX/XX/XXXX. As a further note, it should be known that I am the Step-mom and have carried the minor on my policy with XXXX XXXX XXXX XXXX since XX/XX/XXXX as he was a minor child and other medical insurances were either unavailable or unaffordable and they continue to be. XXXX has removed the collection from my XXXX credit report. XXXX and XXXX will not remove this derogatory mark even though I was never informed of any debt what-so-ever. XXXX and XXXX state this collection will reside on my report for the next 7 to 10 years. PERSONAL STATEMENT : I have been successful in paying all my bills, on time, always. My credit WAS excellent, and Im not fussing over a {$370.00} bill. I WANT TO KNOW How can someone out of the blue just throw something on your credit report without even making an attempt to contact you? Is this legal? As of this time and date ( XXXX ADT, XX/XX/XXXX ) no person has contacted me, by any form of communication, regarding the debt I mentioned above. I feel it is unfair and should be unlawful that any person or organization should have the ability to file negative or incorrect information against anyone 's credit report without first providing them the information and/or opportunity to review/dispute/settle under normal circumstances regardless of whether they owe the debt or not.
Consumer complaint received 2017-07-06
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

These people keep leaving written notices on my door to contact the Mortgage company ( Carrington Mortgage Services ) regarding another borrower 's mortgage ( XXXX XXXX ). XXXX XXXX lived in the condo directly beneath me in my building. <P/>I have contacted these people by phone three times now asking them to stop embarrassing me with these notices since the unit I live in was purchased with cash by the XXXX XXXX XXXX and there is no mortgage. I have explained to them each time that the unit in question is the unit directly below mine. The phone number on the notice is XXXX I just received another notice today. I receive one of these embarrassing notices taped to my door every few weeks. <P/>Please understand that since this is someone else 's debt ( entirely unrelated to me ), I am unable to provide account information, amount owing, etc.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: General Motors Financial Company, Inc. (LA)

GM turned me down for a lease on a new vehicle, stating that XXXX ca n't give them a credit score,  due to some kind of Fraud Alert, of which I know nothing about, nor where it came from, and cant get any answers. No explanation, nor have I been provided any documentation. I have good credit, with no problem getting a credit score from XXXX of XXXX.