davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Consumer complaint received 2021-01-27
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. (AR)

I closed an account with XXXX XXXX XXXX in XXXX for their XXXX XXXX XXXX credit card and settled with XXXX XXXX XXXX in XXXX over two payments. I was also promised a deletion upon the agreed " paid in full '' status. I have a letter stating it is paid in full as well as a letter about the agreed settlement and receipts for my payments I uploaded to XXXX who refuses to correct it despite my numerous dispute with the last update being yesterday. I have also contacted XXXX by phone today and they are stating they reported it paid and settled but it does not reflect on my credit report and it has not been deleted. I feel I have been done an disservice and this is a violation of FRCA. This dispute has been brought to Transunion, XXXX, and XXXX as well as supporting documents with no appropriate action
Consumer complaint received 2021-01-27
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. (TX)

On XX/XX/20 I sent a letter to the bureaus stating I had not received any info back on my disputes. Pursuant to 15 USC 1681i this is a violation of the law. I believe these companies have been ignoring me and they had 30 days to respond and did not. Any violation of the FCRA immediately calls for deletion and I have listed the accounts that were already inaccurate and misleading. These companies are not only in violation of the FCRA but also the FDCPA pursuant to 15 USC 1692e. Clearly, the law isn't stopping these companies from committing fraud. They also have no written permission by me pursuant to 15 USC 1681b ( 2 ) to funish anything to my consumer report. These items need to be deleted immediatly. You are in violation of 15 USC 1681i, 15 USC 1692e and 15 USC 1681b ( 2 ). I am seeking litigation.
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (VA)

I was hit by a drunk driver. I was represented by an attorney and the case was settled in XX/XX/XXXX. On XX/XX/XXXX, my attorney contacted and paid all of my medical debts in full. I received copies of all of the deposited checks for my records. In XX/XX/XXXX Paramount Recovery Systems posted a delinquency on my credit report for one of these medical bills. The bill was from XXXX XXXX XXXX XXXX XXXX. I called the debt collector and explained the situation. The representative said she would send a message to her supervisor and call me back. This went on until XXXX when the representative told me that I had to email the proof of payment to her supervisor. On XX/XX/XXXX I emailed the proof. 2 weeks later I called again and the representative said she saw the message but that nobody and looked at it yet. I called again a week later and the representative told me that the supervisor was working on it. On XX/XX/XXXX I tried to refinance my mortgage. The errored delinquency was still on the report. The lender informed me that I would have to pay {$2000.00} more because of that delinquency. I called the debt collector and informed them that they had proof of payment for 56 days and had done nothing. And then I discovered that they had actually reported the errored delinquency to another credit reporting agency on XX/XX/XXXX. That is a month and a half after they received proof of payment. The representative told me that my deposited check was not proof and that they would have to speak with someone at XXXX XXXX XXXX to prove that the deposited check was in fact real. This is a bank check through an attorney 's office, not just a personal check that I created. I called XXXX XXXX XXXX and after being transferred and put on hold for over 2 hours they confirmed that they had deposited the check and they were not sure who Paramount Recovery Services even was. They had no record of anyone attempting to call from there to get an explanation. I called Paramount Recovery Services and was told by the rep with a rude and conversation ending tone, " Sir. There's nothing I can do for you. Either we have to hear from XXXX XXXX XXXX or you could just pay this now and it'll make it go away. '' I am at a complete loss and feel helpless to these people who are causing me stress and financial hardship even though I have proven to them that I have already paid this medical bill. Please help me.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had some cash and I went to Bank of America XXXX XXXX, CA ATM machine. I thought using my unemployment card I could deposit some cash into the card. I put the card into the ATM and it wasnt successful and froze my unemployment card. The card is an Unemployment card associated with the state of Arizona. I called the number on the back of the card and they only did a form. Ive called my unemployment office and they say they cant do anything about it, its on Bank of Americas term. I have called and talked with Bank of America Fraud department and they couldnt do anything about it. Which is why I am complaining. I believe they can do something about it to unfreeze the card. Its the card I depend on and it has {$820.00}. I need that money cause I have bills to pay and food to feed my family with. On XX/XX/XXXX, I called the number on the back of my card and talked with an agent and he wasnt helping with me so I asked for a supervisor. He transferred me and I waited for about 20 minutes. Soon it starting ringing and said, Thank you for contacting Child Protective Services. The guy hung up on me! Like I said I depend on this money. Bank of America is taking my money away from me!
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I mailed goodwill letters asking that XXXX  XXXX XXXX update the inaccurate reporting of my student loan under the FCRA on XX/XX/XXXX. The loan has a lot of NO Data reporting 's that date back to XX/XX/XXXX and all the while my payments were being made on time. I will attach a copy of the letter. If you look in the details section under each of the XXXX  XXXX XXXX accounts you'll see the gross negative inaccurate reporting the exact same way for each loan. I request that it be updated. I also forwarded a copy of these complaints to the attorney general. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I have disputed this debt with the credit bureaus and it came back verified. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In 2019 bank of America closed my account due to it being overdraft. I have since paid that account in full. Bank of America is now reporting this account to XXXX  XXXX XXXX that it closed due to fradualent activity. I have called several times and have recorded phone calls where agents told me that the account was closed due to over draft and to fraud. I have escalated this issue to corporate and the CEO and still have not heard back in regards to this matter. Due to this reporting I can not open any accounts anywhere and it has caused XXXX XXXX XXXX XXXX to close my account.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-01-27
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: EQUIFAX, INC. (AL)

I feel that these accounts are adversely affecting my credit report and its causing me unnecessary stress. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. XXXX was not able to verify these accounts showing any of them belonging to me and they have deleted these accounts. I have attached a copy of the report showing where XXXX deleted such accounts. And according to the FDCRA unverfied inaccurate reporting is a Violation. So how is it that you are saying you verfied these accounts I do not believe anything has been done at this point. I need this problem fixed immediately and I should not have to wait another 50 days just to receive a response saying I'm not who I say I am because its clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly isnt that what the law states.
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

This company is violating my rights when it comes to the FCRA in N.C. It put a fraudulent collections account on all 3 of my credit reports I was told by a very nasty attitude rep from this company that they will not remove a fraudulent account even if its determined to be fraudulent when their company policy says that they will only remove fraud accounts reported or identity theft accounts theres a thousand responses on XXXX from the compliance officer saying they will delete those accounts but the rep I spoke with was very rude and condescending I was threatened that if didn't provide certain information to this rude woman that me wanting to speak with a manager or supervisor would not be granted and the she was just gon na hang up on me because she was tired of waiting on me I have the right to speak with a manager or supervisor when the rep is being unprofessional and I was denied that and hung up on I would like this company to remove this fraudulent account from my credit reports immediately.
Consumer complaint received 2021-01-27
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. NMAC Inquiry : XXXX XXXX, 2019 and XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-01-27
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

company purchased my private consumer information without my written consent. 
company assigned debt to an attorney. 
company has multiple violations under the Fair Debt Collection Practices Act. 
company is reporting false information to credit reporting agency in an attempt to damage my reputation and credit rating.
Consumer complaint received 2021-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (CA)

XX/XX/XXXX Called Lending Club to set up a hardship plan. Loan payment, which was automatic ( ACH ) at the time, was due on the XXXX but they had already requested the money from my bank. Operator set up a payment plan for me -- reduced payment for XXXX, XXXX, and XXXX -- and said that since the payment was already taken out that I should do a stop payment with my bank, which I did. I made the reduced payment for XXXX. 
XX/XX/XXXX Got call from Lending Club saying that I owed the entire XXXX payment. Operator got me to agree to pay the full amount. 
XX/XX/XXXX I called Lending club to say that I couldn't pay the full amount and that original agreement should be honored. Operator reinstated agreement for reduced payment for XXXX, XXXX, & XXXX. 
XX/XX/XXXX Lending Club called me and said that I owed the past due for XXXX and failure to do so negated the payment plan for XXXX & XXXX. I explained that we had an agreement, which the operator reviewed with a manager who said that the agreement was invalid unless I paid full amount for XXXX. 
XX/XX/XXXX Called Lending club and explained to operator that I had an agreement, they aren't honoring it, and that they should be able to reinstate the original agreement. She said that it's already been reviewed by a manager and that there is nothing they will do about it. She told me to go to XXXX and look for work, which is when I hung up.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH provided a IRS 1098 form that is incorrect in multiple respects. The total amount of mortgage interest paid in XXXX is wrong - the company applied XX/XX/XXXX payment to XX/XX/XXXX instead of showing the payment made on the last day of the year. Also, the IRS 1098 form has an incorrect " Origination Date, '' reflecting a date in XXXX when the original date of the mortgage was in XX/XX/XXXX. These errors reflect sloppy accounting practices, and I am worried about how PHH is conducting its business. When I telephoned, the company I was able to speak to a manager who is in XXXX. The erroneous IRS 1098 form has large tax consequences for me.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank is in violation of multiple federally protected consumer rights. 
company has damaged my credit report and reputation. 
company has shared private consumer information with a 3rd party without written consent or permission.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I purchased a cellphone for my wife for XXXX from XXXX. The phone did not work. The told me to send it back for refund in which i did and they refunded my XXXX $ back to my XXXX gift card. I asked them to put the funds back on my original payment method which was MasterCard but they said they could not transfer balances to another account so i filed a dispute with my bank. They requested all documents supporting my return and refund in which i did. MasterCard made the XXXX $ available and took it back as i was attempting to purchase the phone from my phone company in which the transaction was declined. They told me that it was not available because i had not won my dispute. They then made XXXX $ available in which i withdrew but then said that it was not available because i did not win and XXXX did not refund the money so they are charging me again for the XXXX $ i withdrew. MasterCard is saying that XXXX is saying that i never returned the phone but i emailed all documents supporting the return and XXXX gift card refund. I know that XXXX refunded the money but they are saying they didn't and still charging me for the XXXX $ in which I'm still owed.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates is an unlawful organization that frequently is sued for violating the FDCPA and The FCRA. Please not in 2015 the CFPB sued Portfolio for several violations resulting in a {>= $1,000,000} settlement. In my case I have asked for and NOT received required documentation under Section 609 FCRA, which requires certain documents to be provided to a consumer in the case of identity theft. Portfolio despite being notified in numerous occasions has failed to provide the required documentation under Section 609 FCRA to me at any point. The only thing they sent was a manufactured letter to an address I have never lived at. 

Please find a copy of my notice to XXXX, XXXX  and XXXX  that was also sent to various creditors where my identity has been assumed and derogatory items placed against my credit report. I am also attaching notices of various lawsuits filed against Portfolio for engaging in the same misconduct they are currently engaging in with regard to my personal credit file. 

Portfolio buys debts, they obviously can not produce the required documentation because of two reasons : I did not open this account and Portfolio does not have the required documentation under Section 609 FCRA and therefore the item must be deleted from my credit report since they can not and have not produced this information.
Consumer complaint received 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I send in my dispute to Transunion and there response was that they cant Identify my me with the information I provided this just another one of there stall tactics I send in my correct information same as all ways and it was never a problem verifying it before I that I am ready to file a law suit because of the way Transunion is unfairly treating me you can check the infomation I send in the necessary information required to proof that I'm the XXXX XXXX I I have a complete Identity theft package. My consumer rights are being violated under fcra.