davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX  Balance : {$5800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been repeatedly contacted on my home phone and cell phone for over two years now by Portfolio Recovery. I do not owe any monies nor do I have any debts. I do not publish my cell phone or use it for anything, only my home phone number. 

I have sent a certified letter asking for proof of a debt and to stop contacting me unless it is in writing. I have not received any communication in writing but the calls still keep coming. The calls are all robodialed with no message left. 

I have blocked calls from them on my cell phone and have had to purchase a message machine that blocks all calls on my home phone unless I allow them to come through.
Consumer complaint received 2018-03-28
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. (CA)

I received a copy of my credit report from XXXX and Trans Union and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to XXXX and Trans Union on four different occasions requesting an investigation for state public record listed to my report. I requested XXXX and Trans Union Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Washington stating " The U.S. Bankruptcy Court and public records does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. XXXX  and Trans Union   is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any public accounts to my report referencing Bankruptcy information.
Consumer complaint received 2018-03-29
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: Experian Information Solutions Inc. (NV)

I have tried several times over the past XXXX years to get my credit report from Experian. I wrote a letter requesting their help. Apparently, the letter and request were ignored. i have not been able to get a credit report from them. I have no way of knowing if the problem which existed in the past with error on report has been fixed ( unless I pay them ). FREE means I do not have to pay for an annual credit report.
Consumer complaint received 2018-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

If you refer to complaint XXXX received by you on XX/XX/XXXX, you will see that money was wired from XXXX XXXX from my account to a fraudulent account at Capital one. The funds were subsequently frozen on XX/XX/XXXX and I have not received any funds back or can even be given an amount of funds or when they will be returned. Can not not get any correspondence from Capital One on this matter at all.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

The most recent letter I received from Citibank, N.A., stated they have tried to call me at ( XXXX ) XXXX and received no such call. Please ask Citibank, N.A., for phone records proving their statement that they have tried to initiate communication.
Consumer complaint received 2018-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OR)

THE IC SYSTEMS IS TRYING TO COLLECT A DEBT I DO NOT OWE. XXXX. 
THEY MAY AS WELL STOP WASTING THEIR TIME CALLING HERE BECAUSE I WILL NEVER ANSWER THE PHONE IF I DO NOT RECOGNIZE THE NUMBER OR IF IT'S NOT A PERSONAL ACQUAINTANCE OF MINE. SORRY SCAMMERS!!!!!!!!!!!
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (VA)

Received notification to check credit report and found a bill from XXXX XXXX outsourced to Afni in the amount of {$1000.00}. It caused my credit score to drop 43 points. It is stating open XX/XX/XXXX. This is an account I know nothing about as I do not have cox communication where I live we can not even get cox in our area. We have been here since XX/XX/XXXX. 

I have not received any written correspondence about this bill at all to ascertain if it is for services rendered to my address. Prior to this address we were at another address for over three years. We did not have XXXX XXXX. Prior to the previous address we were in another state for 12 years and never had XXXX XXXX 

According to Virginia Fair Debt Collection : In Virginia, during the time period in which an account remains open, and no payment is made on the account, a collector has a statute of limitations of 3 years from the date of last payment or last charge for goods or services rendered on the account to file suit against a consumer. 
If a debt is based on a written contract ( non-Uniform Commercial Code ) the statute of limitation period is 5 years. " Protecting Consumers Rights : Debt Collection Laws - Virginia Statute of Limitations on Debt Collection. '' ( XXXX ). XXXX XXXX XXXX On my Credit Report it states : Account information disputed by consumer, meets FCRA requirements. Not sure what that means.
Consumer complaint received 2018-04-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarFinance Capital LLC, Irvine, CA Branch (TX)

XX/XX/XXXX : purchased a XXXX XXXX XXXX along with a GAP ( Guaranteed Automobile Protection ) Debt Waiver Addendum priced at {$500.00} from Car Finance. 

XX/XX/XXXX : Refinanced with XXXX XXXX. Was told that they do not sell GAP. Received communication that a check was mailed to Car Finance. 

XX/XX/XXXX : Leased a new XXXX XXXX while relinquishing the XXXX. Was told at this time that I may be due a refund concerning the GAP. 

To date I have NOT received a letter from Car Finance stating that the loan was paid off. Per XXXX XXXX, I need that letter to receive the refund which was originally due to me when the loan was paid off by XXXX. 

I have called Car Finance, XXXX XXXX  ( the company they merged with in XXXX ), XXXX XXXX XXXX ( original dealer ), XXXX XXXX. The last I heard was that Car Finance has put this in the laps of XXXX XXXXXXXX XXXX consumer advocacy department. It's been three years. How much longer do I need to wait on this?
Consumer complaint received 2018-04-28
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. (FL)

I noticed five inquiries on my TransUnion report that are not mine..I have requested for them to be removed but have not heard back on the matter as of yet..the listed below are the five inquiries.. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (GA)

Dear United Revenue Corp, After viewing a copy of my credit report, I noticed collection accounts placed on my credit report from you in XXXX and XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

This company is trying to collect {$1800.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

lived in a home paying rent for 21 years. The owner put the home in Foreclosure, I worked with Caliber Home Loans to purchase the home since XX/XX/XXXX of last year. They wanted {$85000.00} I submitted a contract with a Hud statement to purchase.I started my offer for {$70000.00} rejected then {$7500.00} which was reject and told it had to be {$8500.00} firm. Two days later they send me a e mail saying they reject and are taking the home to XXXX sale.In XXXX it went into Sheriff sale, they started the bid at {$200000.00} the amount with all the Attorney and interest fees plus what ever else. no one bought it. XXXX bought the home back. I tried to speak with someone to still purchase they said no, i had to leave the home. On XX/XX/XXXX the Sheriff came to gave me notice to vacate by XX/XX/XXXX, i did get a extension till XX/XX/XXXX. I'm being told i need to vacate the property then i can try to purchase it.They are telling me i have no tenant rites. I have put into this home within the last 21 years many up grades which i will list at the end of this letter. I also have all receipts to prove it. No one will speak with me to try to help me purchase this property. I feel i'm being discriminated against because i'm a tenant and a senior citizen. I now have to leave a home that i put my heart and money into, it's not fare to me that they will not work with me to purchase this home. Here is a list of improvements i put into the home thinking one day the owner would sell to me. New furnace and chimney liner, hot water heater, New chimney built from Basement Floor to first floor.New kitchen cabinets, cornon counter top and sink, Stove, dishwasher, micro wave, flooring., bathroom tub, sink, toilet, tile, new flooring on 2nd fl, large deck, new bath and kitchen windows, New front and back doors, 2 storm doors. repairing of roof. The list goes on. I have all receipts to prove this. This is a heart ship to me, i raised my son in this home, my grandchildren.Something needs to be done so that these Banks can not do to other people what was done to me Why wouldn't they work with some one that is all ready in a home and qualify s to purchase it. There is no protection for homeowners nor tenants its all with the banks. I di n't set the price a REO did for {$8500.00} so why are they not excepting my offer. I went back and offered {$100000.00} and they said no, i need to leave. I offered to pay rent, no i need to leave. If i'm not out by XX/XX/2018 the Sheriff will lock me out. Please help me to stay and buy this isn't fare what the Mortgage Co can get away with. .I will submit all proof of my repairs theirs so many receipts for me to send now but will upon request. I have emails from XXXX plus they have all my phone conversation recorded Thank you time is of the essences
Consumer complaint received 2018-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018, {$1200.00} was taken from my account without my permission from a merchant named XXXX XXXX. I am on california XXXX, and the funds were taken from my bank of america XXXX pre-paid card. Since it is a prepaid card, my bank was unable to put a freeze on the account. Becuase it is clasified as a XXXX card I dont get notified of unautharized or unsuccesful transactions from merchants maliciuosly trying to retrieve funds from an account. As opposed to a normal account or business account that does notify its customers of suspicious activity and places a freeze on the account after 2-3 unsuccesful attemps. This is negligence in Bank of America 's behalf and discriminatory against americans with XXXX receiving lower tier of service and not getting updated of suspicious activity simply becuse my card classifies me as a XXXX customer. I just had a XXXX to remove 2 abnornal growths from my chest and expected to pay for my medical bills only to find out now I will need to postpone my medical care because of my financial difficulties after this merchant speedy cash took funds from my XXXX prepaid card without any prior notification to me at all what so ever, and bank of america acted negligently in not notifying me of such suspucious activity.
Consumer complaint received 2018-03-29
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. (NY)

i am writing today because i have previously disputed accounts referenced in this dispute in the attachment not only have you not deleted this inaccurate account from my report but you didn't even mention in this consumer statement that this account was in dispute as you are supposed to. the law says that if a consumer disputes an account you have to write that this account is in dispute since you have not done so it leads me to believe that you have not conducted an investigation at all, why is it so difficult to get things done by you it feels like every time i send a dispute that it is a wast on the postage fees it feels like i am just sending a dispute and your computer sends me a letter that says verified without you guys doing anything. why is it so? why cant you do your job and conduct an investigation. plus you violated the law by not adding a statement that this account is in dispute.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've noticed that there is still an incorrect account listed as correct on my credit report. I've already sent in letters demonstrating the accuracy of the information, but it hasn't been corrected, therefore the false information still exists. 

This is against 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that disputed information be properly investigated and corrected. I am asking that you look into this again right away and either remove or correct the false information from my credit report.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (PA)

A few months ago, I attempted to make a normal, monthly payment to my account statement over the phone, using my debit card attached to my checking account. I thought the payment had gone through okay, as I received a confirmation number. A month later, however, after seeing my printed statement, I noticed the bank indicated that I had made a stop-payment on the amount I had paid. Realizing it was an error ( I had never requested any stop-payments on my account ), I contacted my bank who issued the debit-check card and the First National Bank of Omaha, to whom I had made the payment. I then did a 3-way conversation with my bank and the Bank of Omaha customer service to try to rectify the error. It appears when I made the phone payment, I may had inadvertently left out one of the numbers in my checking account when putting my information in. Even though The First National Bank of Omaha customer service rep realized it was an error, the person I spoke to was extremely rude and condescending, and refused to rectify the situation. I received a letter stating my account had been closed for delinquency, although I had no past-due amount assessed to the card. As a result, my credit has been damaged and I am struggling to pay the card off, as they are adding on late fees and interest.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (LA)

This started back in XX/XX/XXXXor XX/XX/XXXX and ERC opened an account that showed up on my credit reports for {$1800.00}. I have repeatedly tried to explain that this is not my account and that XXXX XXXX stole my identity just like he did with a car loan, XXXX XXXX   account, and XXXX XXXX. They keep refiling this so it will stay on my credit report even though I have told them time and time again that it is not mine. I live in XXXX XXXX and my only name is XXXX XXXX XXXX. He applied for credit with a name XXXX XXXX. That is not now nor ever been my name.
Consumer complaint received 2024-09-04
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. (PR)

After checking my Consumer Report and viewing my Credit Score. I find EQUIFAX is violating my rights as a consumer by reporting late payments on my Consumer Report.

I am making the following complaint and dispute against EQUIFAX on the basis of violating my rights as a consumer by reporting on my consumer report an EXCLUSION. A report containing information solely as TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. A complete violation of my rights as a consumer in accordance with 15 US Code 1681a and 15 US CODE 6802. A line item listed on my consumer file as LATE PAYMENTS 30 day past due, 60 day past due Your company EQUIFAX is in direct violation of 15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction and 15 US CODE 6802 Obligations with respect to disclosures and personal information. It is unlawful for EQUIFAX to report my transactions and experiences between me ( XXXX XXXX XXXX the consumer ) and XXXX XXXX XXXX XXXX ( The person making the report ). However, XXXX XXXX XXXX XXXX ( The Person making the report ) has reported to EQUIFAX my TRANSACTIONS or EXPERIENCES. However, a consumer report has been reported to EQUIFAX and by EQUIFAX on my consumer report. A consumer report by EQUIFAX listing my TRANSACTIONS or EXPERIENCES shall not be reported or include a report furnished by or from FIRST PREMIER reporting my TRANSACTIONS or EXPERIENCES. According to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding EXCLUSIONS as it is described below. My complaint against EQUIFAX does meet the standard set by 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that EQUIFAX remove the Consumer file listed as LATE PAYMENTS with XXXX XXXX from my Consumer Report.