davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over XXXX in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In XXXX of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO. (TX)

Chase bank allowed someone to upload a fake check into my account for got over 1700 dollars and downs transaction at XXXX for XXXX dollars. I spoke with XXXX they told me my info was used to send money to send a XXXX to XXXX transaction to XXXX. They bank did not properly look into my account because ill called XXXX and got this info. I contacted them let them know my care was missing I let them know my last transaction of {$5.00} on X/XX/17 they are n't trying to help they stole my money & chase pretty much robbed me to I honestly want to Sue.
Consumer complaint received 2017-08-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I have an ACH debit that automatically hits my Chase account every month for {$730.00}. I did not have sufficient funds in my account on XXXX XXXX, 2017 to pay this item and Chase paid it anyway even though I do not have overdraft protection and charged a {$34.00} fee. The next day there was another transaction for {$42.00} that was charged to my account and because of the prior withdrawal my account was now overdrawn and I was charged a 2nd {$34.00} overdraft fee. If the first item had not been paid there would have been sufficient funds to pay the 2nd item and I would not have been charged for two overdrafts. When I saw that they paid the first item, I attempted to deposit a check into the account to cover the balance so that I would n't be charged the 2nd overdraft fee, but when they overdrew my account they blocked me from making deposits by phone, ensuring that I could n't prevent the 2nd overdraft. I deposited the funds in another account because they usually clear them quickly and allow transfers between accounts, but they did n't clear the deposit until the next day. When I inquired why they paid the {$730.00} when there were insufficient funds, they said it was at their discretion whether to pay it or not. It appears that Chase is using its " discretion '' to attempt to maximize its fee income at the expense of its customers. I asked if there is any way that I can select an option that they not pay overdrafts and they said no. Their practice of making it difficult to make deposits on overdrawn accounts is an unfair business practice designed to collect more fees. I hope that the CFPB will consider adopting a rule to allow customers to decide whether they want their accounts overdrawn by ACH debits, and/or a rule to prevent banks from preventing deposits when accounts are overdrawn.
Consumer complaint received 2017-08-17
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Uber Technologies Inc. (GA)

I was informed that Uber had some cars for lease and that the condition was they would deduct money from your service for the " lease '' car and to go ahead and get a lease car with their partner group XXXX XXXX. I went to a dealership and made sure to ask the dealership if this was going to be on my credit and they stated clearly this was not and it was just a lease and the only reason they needed my credit was to make sure I was not a XXXX.. this was the dealer who is point of contact with Uber XXXX XXXX . I signed some papers and drove out with a car. After a month or so, I figured uber was not my thing and I requested the car to be picked up. Now, I still show XXXX ( XXXX ) inquiries in my credit for XXXX XXXX. I did not know they were pulling my credit ( hard ) and would like to have this removed from my credit. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was a victim of the issue TransUnion had with credit reporting. I called customer service and they were unhelpful. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-17
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. (DC)

I was a previous customer of XXXX XXXX ( XXXX ), an electric utility company that provides reporting to the credit bureaus, when I lived in XXXX ( XX/XX/XXXX-XX/XX/XXXX). In early XX/XX/XXXX, I was reassigned for work to XXXX XXXX. Upon moving from XXXX, I requested that XXXX disconnect my service. XXXX terminated my service as requested ; however, I did not receive the final bill from XXXX. I was only notified of an outstanding balance on my XXXX account in XX/XX/XXXX when I was called by a collection company. I suspected the collection call was a scam so I hung up and immediately called XXXX. I was advised by the XXXX representative that I did in fact have an outstanding balance, but that I would be all set if I resolved the matter with immediate payment to XXXX. In light of the XXXX representatives assurances, I paid the outstanding balance at that time and settled my closed account with XXXX. Despite the XXXX reps assurance, I recently discovered that XXXX  reported to TransUnion and XXXX that I was delinquent and referred for collection in XX/XX/XXXX( however, I paid and closed the account in XX/XX/XXXX)! On XX/XX/XXXX, I attempted to dispute the inaccurate reporting through TransUnion ( and separately through XXXX ), but after investigating TransUnion informed me on XX/XX/XXXX that the reporting was verified by XXXX as accurate and updated. Nevertheless, my TransUnion Credit report still reflects collection in XX/XX/XXXXmore than three years after it went to collection and was paid in full ( and despite the fact that the XXXX representative indicated there would be no collection issue ). I immediately called TransUnion to follow up and they told me that I would have to submit a dispute ( again ) to get the date corrected, even though I had just attempted to dispute it! I also notified a XXXX representative of the incorrect reporting via the Better Business Bureau ; however, XXXX has not notified me of any intent to take corrective action. The XXXX reporting to TransUnion therefore remains inaccurate. The collection ( which never should have been reported for collection in the first place ) occurred in XX/XX/XXXXand despite my best efforts to dispute it, is still reflected in the TransUnion report as occurring in XX/XX/XXXX. Please help me get this removed from my account. A screenshot from my TransUnion Credit Report is attached as evidence that XXXX continues to incorrectly report to TransUnion that my account was referred for collection in XX/XX/XXXX.
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D2 Management LLC (TN)

I recieved a call from XXXX XXXX XXXX XXXX ( XXXX ) XXXX concerning a debt from XXXX XXXX XXXX in 2010. He represented himself as a lawyer contacting me on their behalf to collect. I informed him that i had paid this debt and explained this to others that have contacted me concerning this matter. I also informed him that i have in my possession a paid in full letter that could be sent if he mailed or emailed me confromation of who he was and the business that he repersented. He then became rude and stated that he would not mail or email any corospondiance to me and would take this as a refusual to pay and would see me in court. I stated to him that i had visited the establishment that was said i owed monies and was told by its employees that i had no account in their system. He then responded that he would just see me in court seeing i was refusing to pay and hung up the phone. I have contacted my legal represenitive and forwarded this same information.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (IL)

On or aboutXX/XX/XXXX, Debt Recovery Solutions , LLC. sent me a " settlement offer '' for a debt that I had never received a bill for. Since I was attempting to get financed for a mortgage I accepted the settlement rather than disputing ( in hopes to keep the debt off my credit report ) and sent a check for {$210.00} ( the settlement amount ) on XX/XX/XXXX. The check cleared my bank on XX/XX/XXXX.The back of my check had a stamp stating " For deposit only : Debt Recovery Solutions , LLC Client Trust Account XXXX XXXX  ''.
On or about XX/XX/XXXX, I received another " settlement offer '' from Debt Recovery Solutions , LLC. This one was for $ {$140.00}. Assuming this must have been a mistake as the account had already been paid in full and I had the cleared check as proof, I took no further action at that time. In XX/XX/XXXX, I saw that the account showed up on my credit report marked as collections and unpaid. I disputed this 2 of the 3 credit agencies. XXXX removed the account. XXXX  validated the debt. At the end of XXXX, I received a " verification letter '' regarding my debt due to XXXX validating it. This letter also requested me to " remit payment immediately ''.
On XX/XX/XXXX, I contacted Debt Recovery Solutions LLC. regarding this and spoke to a XX/XX/XXXX. This man told me I never paid him. I explained to him that I had proof of payment. He asked me who I wrote the check to. I told him I wrote the check to the Company listed on the settlement offer that I received from Debt Recovery Solutions, which was " XX/XX/XXXX ''. He said " well that 's the problem, you did n't pay us so we do n't have a record of payment, you can either pay us or prove you paid XX/XX/XXXX '' The check that I sent for payment was mailed directly to Debt Recovery Solutions using the address and information that was on the settlement offer. The back of my check is stamped by Debt Recovery Solutions. This man repeatedly told me that I was lying and that they received no such payment and that they were not affiliated with XX/XX/XXXX.
The first settlement offer and the second settlement offer equal the total debt due (XX/XX/XXXX+XX/XX/XXXX=XX/XX/XXXX ) It is my belief that they were attempting to scam me to get all the money. The settlement offers are both very different formats with the first one referring to XX/XX/XXXX as Debt Recovery Solution 's client and a full back page of a privacy statement regarding XX/XX/XXXX. The second settlement offer has XX/XX/XXXX listed on the front and refers to the offer as a " sale '' but offers no information regardingXX/XX/XXXXl.
To date, They have not removed or corrected the collection information. They are falsely reporting me as an unpaid account every month to the credit agencies and they are still trying to collect money that was already paid. I have both settlement letters, the front and back of my check proving payment, the supposed debt validation, and the letter I faxed in an attempt to resolve this.
Consumer complaint received 2016-12-21
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I contacted a USAA loan officer for a quote on VA 30 year fixed rates. I informed him I was shopping around for the best rates on VA loans, at which point he informed me that all VA home loan rates are standard for lenders, giving me no reason to shop around. This was my first time using the VA home loan and technically my first time purchasing a home. I come to find out later that VA home loan rates differ from lender to lender. I discussed the issue with his manager, and he said there is nothing they can do. I asked him to review the recorded conversation. He said it was n't recorded, apparently it is a random process for which calls are recorded. Any assistance in resolving this issue, even if it is simply holding them accountable on some level. This has severely impacted my family and possibly the selling family as well during this home buying process.
Consumer complaint received 2022-01-11
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX2021. And now we are in the month of XX/XX/XXXX2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed a complaint already about Capital one holding frozen the funds from XXXX loans deposited into my account by XXXX thru the payroll protection program. I am attaching their response and my complaint is that why the capital one representative signed the response with ONLY her first name XXXX and why despite offering a phone number to reach out to her and the hours she would be available she never answers or calls back to any calls and messages which i did both everyday almost. Also why she said that XXXX hasnt responded to their email requiring where and how to send the funds back? First of all, the email address she claimed they sent emails to, DOES NOT EXIST according to XXXX so how is that possible to send XXXX emails to a non existing email and by who? Just XXXX? second what other instructions would capital one needs to send the funds back if they have the senders indemnity ( XXXX ) form that includes their banking information plus capital one has the ach deposit transactions the XXXX loans were sent into my account so why cant they be send back the same way? 
My last complaint is why did capital one closed my other accounts that i had with them but is keeping the account with more than {$XXXX} open and frozen even after they received the hold harmless form a XXXX ago?
Consumer complaint received 2017-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Works & Lentz, Inc (OK)

I had a debt with this collections attorneys office for 6 years, I 've paid regularly monthly. I have even made lump sum payments on this medical debt. Last month I received a call that my card had expired that they charge monthly. I gave her the updated card information and while on the phone with her asked what we could settle my debt for and get this all cleaned up. She said she would check and call me back. I recieved a call offering to settle for XXXX now and XXXX next month. I told her I would have to think about that. 2 Weeks later my employer gets a letter that they were garnishing my wages. I had paid on this debt with them for 6 years and then they said I was not paying it and added fees and interest, and more attorneys fees. I never canceled or defaulted on my obligations to pay them, its not fair of them to do that when we had an agreement. Why would I call and update my card information if I wanted to cancel paying? This is just a scam for them to get more money and is not right. When I called to say hey what the heck, they said you need to go ahead and settle now for XXXX more than what it was last month or now that we have the garnishment it is really going to affect your credit. I am so furious with this company, I have done my best to work with them to pay a medical debt and they are treating me like a criminal with no rights.
Consumer complaint received 2017-08-20
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. (CT)

I 'm a victim of identity theft and account 's was open on my name that I was n't aware of from XXXX XXXX XXXX XXXX has of XX/XX/2016 # 1. Installment Loan accounts number XXXX has appeared on my credit report # 2.Credit Card account number XXXX has appeared on my credit report I would like these account to be removed from my credit report I ad send a copy of police report to. the credit bureaus also
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc. (CA)

on XX/XX/2017 XXXX XXXX extension XXXX called to say we entered an agreement for payment of {$620.00} from XXXX XXXX. I replied telling him that the company has been debiting money from my checking account for the amount owed, XXXX continued to speak and tell me that I am lying and that I am changing my story, I attempted to explain to him what was happening and he continued to talk over me. At this point I raised my voice to try to catch his attention, which he did not stop talking or let me talk other than accuse me of being negligent and ignorant. I let him know I will be talking to his supervisor at which point he said they will be submitting the lawsuit for the debt because I am not working with them and am refusing to comply. I then hung up because he continued to threaten me. Following a letter about the phone call that was not accurate was sent to my email. At this point I have submitted a voice mail complaint to his supervisor & refuse to pay for this debt until the communication between their company and XXXX has been resolved and I refuse to deal with this man. I would also like to complain about multiple harassing phone calls daily.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

Equifax, XXXX and XXXX keep reporting outdated negative information. I disputed a number of things over XXXX yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over XXXX yrs ago by mail.
Consumer complaint received 2017-08-20
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. (CT)

I 'm a victim of identity theft and account 's was open on my name that I was n't aware of from XXXX XXXX XXXX XXXX has of XX/XX/2016 # 1. Installment Loan accounts number XXXX has appeared on my credit report # 2.Credit Card account number XXXX has appeared on my credit report I would like these account to be removed from my credit report I ad send a copy of police report to. the credit bureaus also
Consumer complaint received 2017-08-20
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Receivables Performance Management, LLC (CA)

Several times in the past week, Recievables Performance Management LLC has contacted me before 7 am.  The people calling can not even communicate ( though I asked where they were from and what it was about repeatedly, I could never understand until I got a letter a few days later ). Furthermore, the supposed debt they are trying to collect is completely bogus, but that 's for another complaint.
Consumer complaint received 2023-01-24
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. (FL)

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX