davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (CA)

Upon checking my credit report on XXXX XXXX XXXX agency. I noticed several inaccuracies involving multiple accounts in direct violations of the Fair Credit Reporting Act section15USC 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
Accounts in violation such as follows : Account names, numbers, and addresses : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX XXXX. Acima Digital Fka Simp, XXXX, XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX I never gave any of these companies written consent to furnish such information by no means whatsoever please cease and desist all communications immediately!!!!!
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 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 30 days 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 2024-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MA)

I received the promotion email from U.S. Bank on XX/XX/XXXX to earn up to {$500.00} bonus when I open a new checking account. I opened a new U.S. Bank Smartly Checking account on XX/XX/XXXX, used the promo code and completed qualifying activities. I didn't receive the bonus by XX/XX/XXXX. I called US bank and asked about promotion and bonus to a representative. She answered after long time checking situation that I am not qualified to receive the {$500.00} bonus because I applied my email promotion instead of mail promotion. I asked manager to talk. She said manager XXXX will call me but no one called. Felt that explanation was not enough, not accurate. Felt not trustworthy.
Consumer complaint received 2023-11-30
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. (FL)

These Accounts doesn't Belong to me : 1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please Remove This Inaccurate Account 3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. IThe following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-13
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 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 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (MA)

Account # XXXX I was trying multiple times to ask Mohela why it took so long ( more than 3 months ) to approve the request for changing payment plan to XXXX  plan ; so far no response. The agents told me that there was a technical issue that prevent the reviewer to realize I submitted the plan back in XXXX so they had to renew that request. As a result, my accrued interest YTD is {$3200.00}. 

Please expedite the process of approving my request as it is too late now and also waive that minus {$700.00} because had I been approved the plan timely and made the payments above those remaining interest had been waived. This is the fault of Mohela and they should rectify to protect my rights. 

Thank you!
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Paypal Holdings, Inc (NC)

I have a XXXX XXXX with XXXX business account was active and the screen was busted and my account was hacked using my XXXXXXXX XXXX number on number XXXX with my email XXXX. So I decided to look at the hacked data breach with XXXX XXXX XXXX. I used my account to investigate the number was stolen from XXXX XXXX using my XXXX XXXX. account. I went to report the identity theft to XXXX and the account was compromised using my log in. Added on to it and the phone was not reported as a required data breach on my credit report. I sent in a claim and was asked to mail in the rest of the report with my consent to open the account on my report. Because the profile was not attaining records of use by my support by my local account activity. So I addressed the issue with a identity theft merchant account advisor support group. I asked to log in my XXXX dispute with the identity theft crisis on my phone not reporting to my credit bureau. So it took years of investigation to complete the report. By the time I contacted the identity theft prevention team for XXXX the account was hacked so asked to mail in the report. So the dispute claim officer can get a compromised account affidavit for my business account.
Consumer complaint received 2023-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NY)

XXXX XXXX and XXXX XXXX XXXX, XX/XX/2017 {$2100.00} due Reported to a collection agency. 
In XXXX, I could not meet the deadline for charity care with the above authority because I was uninsured and homeless without a postal address to receive the charity application from XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-07-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NVR INC. (NJ)

Subject : Complaint Against Loan Officer XXXX XXXX of NVR Mortgage for Failure to Disclose Information Dear Sir/Madam, I am writing to formally lodge a complaint against loan officer XXXX XXXX for failing to disclose critical loan information in a timely manner, which has caused significant inconvenience and financial detriment. 

I locked my loan on XX/XX/year>. As part of the agreement, I was entitled to a one-time float-down option. However, XXXX XXXX did not disclose this information in a timely manner, resulting in my inability to exercise the one-time float-down option to unlock and relock rates. 

I have made numerous attempts to contact XXXX XXXX through emails and messages to rectify this issue. Unfortunately, he ignored my requests and only responded when it was too late for me to take any action. This negligence and lack of timely communication have caused me to miss out on a crucial opportunity to manage my loan rates effectively. 

Enclosed are the details of my correspondence with XXXX XXXX, including copies of emails, messages, and text messages. These documents will provide further evidence of XXXX XXXXXXXX XXXX failure to fulfill his responsibilities as a loan officer. 

I have also submitted this complaint to my real estate attorney to investigate this matter.
Consumer complaint received 2023-03-01
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. (MD)

This will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (TX)

I believe that I am a victim of predatory lending due to a low credit score at the time of financing. I financed the vehicle in XXXX of 2019 for around {$29000.00}. As of recent, I still owe {$25000.00}. Monthly payments are {$670.00}. Multiple occasions throughout the loan, I have fallen behind, and the company has admittedly violated the Fair Debt Collection Practices Act. The company has called me up to XXXX times an hour, daily, emailed me 3 times a day. The company has disclosed my account status to a reference on my loan. I called to complain and the supervisor listened to the call, agreed it was a violation and gave me a XXXX month extension to smooth things over. Each time that I have faced financial difficulties, the company has violated the FDCPA. This, in addition to what I believe is predatory lending, has led me to submit a complaint, in hopes that this company and their lending and collections practices can be looked into. Due to the predatory lending, I will never be able to pay this loan off. It has been 5 years and I have paid off less that {$4000.00} of the principal balance. In addition, when I have fallen behind, they use harassing collection tactics in order to get a hold of me. No other company that I have a loan with behaves this way.
Consumer complaint received 2023-02-24
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 (FL)

Received a 1099 misc from capital one, I contacted capital one to clarify what the reported income was on XX/XX/2023 and was told they would look into it called back 10 days later and was told they needed more time. I have called again and the department which handles this still has not responded. I am unable to file my taxes because I didn't receive this income capital one is reporting I have received and I need the correct information before I can file my taxes.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Dave Operating, LLC (TX)

I went to get a room 4 a month walked in had XXXX XXXX  min later I was told I had no money at the XXXX XXXX and next I checked ledger and i had exactly XXXX in my acct I went back in they said they never received the money but they gave me the printouts Dave Banking app has Hi dered every movement I have by keeping my money from me I am XXXX and I am XXXX now homeless on streets XXXX Texas without XXXX of mine till the XXXX of next month 2nd I lost it it's still pending
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/2024. I sent in my FTC Report, along with my License to XXXX, Equifax, and XXXX. I am a victim of identity theft and i have incorrect information reporting on my consumer report. I will proceed with a civil lawsuit also.
Consumer complaint received 2023-11-30
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. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2024-05-18
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)

On XX/XX/year>. I sent in my FTC Report, along with my License to Transunion, XXXX, and XXXX. I am a victim of identity theft and i have incorrect information reporting on my consumer report. I will proceed with a civil lawsuit also.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year>. I sent in my FTC Report, along with my License to XXXX, XXXX, and Experian. I am a victim of identity theft and i have incorrect information reporting on my consumer report. I will proceed with a civil lawsuit also.
Consumer complaint received 2020-07-29
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: General Motors Financial Company, Inc. (TX)

I have tried several times to get XXXX to remove the incorrect information that is in my account. I am currently in the process of getting a mortgage and this information is still coming up and causing a problem during my attempt to close. I have provided up to 4 different letters to XXXX  over the last 180 days and yet they remain the only group to not update and correct the information.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom this may concern, In the year XXXX during the global pandemic there were 5 late payments published to my credit report. I sent in a Hardship letter to XXXX XXXX XXXX asking for my late payments from XXXX XXXX XXXXXXXX to be forgiven do to what I thought was the obvious as most of the world was not working and behind on obligations. I was not able to handle my obligations, however as soon as I was employed in XX/XX/2020 I quickly worked to diligently get back on track and handle all of my obligations as I have not had any late payments since then. I satisfied my obligations with XXXX XXXXXXXX XXXX  and they closed my account. I am a XXXX Veteran of the United States XXXX and I already have many other challenges on a daily basis with my body and mental health. This challenge I face here with these late payments on my credit report has hurt my ability to obtain credit and buy a home. I've asked for empathy and compassion to be given another chance to regain control of my life. Please and Thank You.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XX/XX/2023 I received a letter of denial from synchrony bank stating TransUnion as the source of my credit score of XXXX. However TransUnion has repeatedly by phone and Internet informed me that my score is XXXX. Including the day I received the letter. Now it has reported a score of XXXX as of today. On the XXXX XXXX XXXX XXXX XXXX in my area they often claim to have influence over TransUnion
Consumer complaint received 2023-11-30
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have sent Equifax identity theft docs of unauthorized inquiries and have asked for the block and removal of these inquiries. Equifax has not blocked or removed these unauthorized inquiries after multiple requests. Inquiries are below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MD)

Credit Collection Services sent me a letter saying I owed XXXX XXXX for service from XX/XX/year> in the amount of XXXX. I verified that I paid the bill from my XXXX on XX/XX/year>. I looked for contact information on CCS ' letter and website and I only found a phone number and a mailing address. I decline to buy a stamp to send a letter for a bill that was already paid. So I called. The lady on the other end informed me that I was on a recorded line. I said that I was not okay with them recording the phone call, but that I had paid the bill at the time they sent me the bill and if she could provide me with an email address, I'd be happy to send a copy of the check from XX/XX/year>. 

She said she could not move forward if I did not agree to be recorded. Well, that certainly makes no sense but there must be some way of moving forward that does not involve me paying to prove that I paid the bill or having my privacy in any way compromised ( giving personal information over the phone to an entity I do not actually know beyond a letter ) Help for any assistance you provide.
Consumer complaint received 2023-11-30
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 did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX has been sent via XXXX receipt all furnisher documents, a dispute letter for notification of fraud due to identity theft, all verification documents, an FTC identity theft report, and a CFPB complaint, and has repeatedly been requested to delete this negative account victimized by fraud due to identity theft, for which XXXX XXXX XXXX was notified by myself in XX/XX/year> of fraud committed by a hotel staff under identity theft and yet continues to willfully, neglectfully, and to cause personal financial and emotional harm by disregarding FTC, CFPB, and citations and if found to willfully, knowingly report inaccurate information may be held liable statutorily, and punitively inclusive of attorneys fees. This has been evidenced in defiance of the FTC, CFPB, and FCRA under fraud due to identity theft, and XXXX XXXX is repeatedly acting in direct opposition to regulations and laws in violation of my protections. 
Delete this negative account from all bureaus immediately.