davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (AL)

In late XXXX of 2021 my wife and I bough caught XXXX XXXX. It took me a month to be paid back pay. In that time frame I fell behind on my car note and went 60 days past due. I reached out to Kia multiple times for help but they offer no assistance. Kias. Covid assistance can only be used if your note is current ( kind of useless ). Kia finance began calling my phone repeatedly. Up to three times a day. Hyundai/Kia called my wifes old employer and spoke with them about the debt which was humiliating. I finally spoke with an agent ( collections agent ) and she told me that my account was not secure and I needed to pay my balance before further collections activity happened she hinted at my car being repossessed. I forked out 800 dollars ( she could give no explanation on why 800 dollars would secure the car ) to ensure my family had a car. I was assured Id be fine until XXXX. That 800 dollars was all I had for almost a month to feed my toddlers. I had to borrow money from my parents to survive. Hyundai/Kia again resumed collections calls one week later. They called repeatedly primarily while I was at work. It was useless to speak to them because they will not help they just ask you to pay your balance in full. I posted a XXXX dollar payment when my back pay finally came in. Kia took 4 days to process the payment. In that 4 days my account which was current when the payment was submitted went past due by 2 days therefore making me unable to move my due date so that the current month would not be behind. So now they are calling over and over and over. I spoke with a female agent last week and told them what happened and to more or less pound sand until I pay them the XXXX I owe them for XXXX. Im fed up, they have harassed me. I have severe XXXX which causes horrible anxiety. They have driven me to consider running the car off of a bridge at one point due to their tactics and unwillingness to help. They need to be punished. I have attached photos of the many times they have called me in the last few days. They have called more than 5 times a week by my estimation however I recently deleted my received call list.
Consumer complaint received 2022-02-12
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. (PA)

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/XXXX. And now we are in the month of XX/XX/XXXX 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (GA)

On XX/XX/XXXX... I received a letter from Medical Revenue Services AGREED that they are comfortable violating ALL FEDERAL LAWS ( see exhibit B ) On XX/XX/XXXX, Medical Revenue Services ( see exhibit A and C ) states that they sent a letter to the credit reporting agencies to remove the accounts listed that were on my consumer report which was a direct violation of the FDCPA and FCRA. This complaint was to be corrected no later than 30 days. In the letter dated on XX/XX/XXXX, Medical Revenue stated they received my dispute however they willfully and knowingly desire to ignore it and continued to request a payment for the amount of the alleged debt. The exhibit ( B ) show that they had intentions to violate the law and commit a crime because the accounts were still in their database as of XX/XX/XXXX and that they did not send a deletion to the consumer reporting agencies for it to be removed. Under federal law 15 usc 1611 ( XXXX ) ( XXXX ) ( XXXX XXXX Medical Revenue Services are in violation and will be sent an invoice and letter demanding that the inconsistencies in their own paperwork shows they are committing a crime and therefore shall be fined for the false and misleading documentation that they sent through the mail. They have damaged me in the amount of {$6500.00} because this is negatively reporting on my consumer report for over 6 months. When I run my report, it shows a collection which is not true. Medical Revenue Services will be reported to the FTC, XXXX and XXXX for their willful intentions to have the consumer suffer from false and misleading data they continue to send to consumer reporting agencies that this alleged debt is valid and to continue negatively reporting it.
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-12
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. I sent a Debt Validation -609 letter to bureaus dated XX/XX/2022 for the inaccurate items listed under my account which is giving a negative impact on my credit report. I also mailed the Method of Verification -MOV Letter for ff up verification. 
It's more than 30 days and I haven't received any response from my previous letters. I believe it is my right that these derogatory accounts should be deleted due to inaccurate information reported under my account.
Consumer complaint received 2022-02-12
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. (IL)

I am filing this complaint because I have sent multiple rounds of letters to credit bureaus to reinvestigaste 3 accounts that are reporting false information and it is costing me thousands of dollars a year. They are violating my rights and they have the nerve to not even respond to my letters! These inaccuracies are highly injurious to my credit rating. 

First account is XXXX XXXX which is a closed account that was paid in full of {$100.00}. 

XXXX XXXX XXXX acct # XXXX balance of {$620.00} XXXX XXXX XXXX acct # XXXX Balance of {$420.00} XXXX XXXX  acct # XXXX Closed paid acct Furthermore, in accordance with the fair act credit reporting act, public law 91-506, Title VI, section 611, subsection A-D, please provide me the names and business addresses of each individual with whom you verified the above, so that I may follow up. IT IS ILLEGAL TO REPORT FALSE INFORMATION! 

They are all reporting different information all across the board! I have asked for the accounts to be deleted immediately and please forward me send me an updated credit report after you have completed your investigation and corrections!
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

A certified mail document was sent to the wrong address. I havent lived at this address in over 6 years. With that being said, without being officially served, I had to look up the court documents. Which states I have a court hearing on XX/XX/2022. Midland Credit Management is currently suing me, improperly had legal documents served to an incorrect address. This company has been harassing me, through several phone calls to myself and loved ones. I havent received any documentation in the mail or sufficient evidence from Midland Credit Management regarding the reason why these charges were recently filed against me. I have no information regarding what debt this company is trying to collect.
Consumer complaint received 2022-02-18
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. (CT)

On XX/XX/21 I filed a FTC report. On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Consumer complaint received 2022-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (OH)

The name of company is First Credit Control, I didnt get enough information to dispute it. This bill is a worker comp bill that worker comp is going to pay. XXXX that I had done of my XXXX and XXXX. My Attorneys have submitted the bill. This agency took upon themselves of placing this bill all of the sudden on my credit. After my attorneys have handled it. They are harassing my credit flagging it to all credit bureaus. This will stop now. They are double dipping. My case with worker comp is still open. They arent authorized to put the bill on my credit. After it has already been submitted for payment. Its Fraud!
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (PA)

I submitted my complaint, complaint # XXXX, on XX/XX/XXXX, please see attached, about Receivables Performance Management continuing to communicate with me indirectly about a DISPUTED debt through the medium of my consumer report which qualifies as a " collection of debt '' which is a violation 15 USC 1692g ( b ). [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ] Reporting a disputed, unverified debt to a CRA violates this [ XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX ] On XX/XX/XXXX, at XXXX I received an encrypted email from persons claiming to be Receivables Performance Management, see attached. This looks suspicious and deceptive and I will not be opening up this email being that I do not know if it is a scam or something that can create a virus on my computer. 

I also received a letter in the mail from Receivables Performance Management of them attempting to " settle '' the account, see attached. The letter is dated XX/XX/XXXX, but I have proof that they in fact received my dispute on XX/XX/XXXX, see attached. This is yet another attempt by Receivables Performance Management to collect on a disputed debt which violates 15 USC 1692. 

I still have yet to receive any of the information that I have requested in my initial dispute, which is attached, in order to validate this debt. 

If Receivables Performance Management has all of the information that has been requested in my initial dispute, which is attached. Then they will have to send it to me either through the Consumer Financial Protection Bureau or by Mail.
Consumer complaint received 2022-02-18
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. (VA)

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items are deleted to correct my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7200.00}
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

To whom it XXXX concern, In XXXX of 2017, I had a checking account with Bank of America. My ex-Girlfriend, had taken my bank card to deposit my payroll check that I had deposited every week. I later learned that when she was supposed to be doing this for me, she was also cashing checks, approximately, XXXX stolen checks, that she had stolen from her boss. I had no knowledge that this was happening until I spoke to her XXXX XXXXXXXX and the XXXX XXXX Police Department once she was arrested. She was subsequently arrested AND charged for the crimes associated with her cashing the stolen checks through my bank account. I am listed on the police report as a VICTIM on pages,4 of 15 at the bottom of the page, and have attached the police report to this complaint email. there are a total of 15 pages. 

I was Never a suspect, nor arrested for any of these crimes, as she was on camera making all of the transactions, and I was not there. this is noted in the police report on page 9 of 15. She was, and is solely responsible for these crimes.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Earlier today, I filed a complaint about Portfolio Recovery Associates. The same day they received my complaint, they retaliated by putting XXXX more collections on my XXXX credit report. The accounts in question had already long since aged off all my credit reports ; Portfolio is fabricating dates of delinquency to put these accounts back on my credit report. They have listed the accounts as " closed '' but claim recent payment activity to fraudulently list the accounts. They are selecting XXXX specifically due to XXXX 's long lead time for disputes. Their actions have resulted in an almost XXXX point drop in my credit score on XXXX ( which gets data from XXXX ) and more than XXXX points on XXXX itself. Portfolio 's actions are a clear violation of my rights under the FCRA. They once again fabricated dates and will use stall tactics to harass and inconvenience me.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp (NY)

On XX/XX/2022 I sent via certified mail a request for a security freeze to Contemporary Information Corporation with a copy of my driver 's license and recent utility bill. CIC has refused my request asking for my social security number which I am not required to give.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/XXXX, I purchased a XXXX flight via XXXX 's Rewards program with my XXXX points at a value of roughly {$270.00}. I needed to cancel this flight, and I was told by XXXX Customer Service that the value would remain as a flight credit with XXXX, and that I could simply check the Rewards portal for the flight info for reference when I wanted to rebook. 

When going to reference that info this past XXXX XXXX, XXXX, I've found that NONE of my previous flight information is in this portal, despite having taken several other flights over the past year via this program. When attempting to work with XXXX Customer Service, I was informed that they do not have ANY records of me having taken previous flights. I asked if this was a system error, and informed them I've taken many flights with them in the past year, but they were unable to provide an answer. After messaging their Customer Service team again and asking what else can be done, they have confirmed that unless I have the exact reservation number, which should be available for reference in my account but is not, there is nothing else they can do. At this point I am now out that {$270.00} in points, along with hours of my time and a lot of frustration. 

XXXX XXXX XXXX XXXX XXXX has essentially failed to retain critical financial records pertaining to my account, and is unable to retrieve them. 

Attached : - Message conversation with Chase - Screenshot of both credit card accounts showing " No previous flights found '' - Email receipts showing that I have, in fact, taken flights with them in the timeframe they say I haven't
Consumer complaint received 2022-02-18
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 have had several disputes to only correct information such as balances or limits lead to deletion of accounts on my credit reports. When I call to ask what happened they tell me that the creditor or lender said my account was " deleted ''. The most recent dispute was " resolved '' in less than XXXX minutes which resulted in another deletion from my credit report with no listed reason why. I fail to understand why a creditor/lender would tell them that my active account was deleted and why I should then have to call to tell them to report.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank offered me a secured credit card with a {$1500.00} security deposit. I got the secured credit card for {$1500.00} and my ex-wife made several overcharges on my account and they piled up their {$35.00} fees for each {$3.00} coffee and it grew to almost {$1400.00}. I tried to dispute these overdraft fees at the bank. However even if they won't dispute them they should have taken my {$1500.00} that I gave them cash for the secure credit card!!!