davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC. (NM)

I have an HSA with Optum Bank. They have an arrangement with XXXX XXXX where by HSA savings can be invested in public markets. However when trying to transfer funds from XXXX to Optum the Optum software often does does not work and customer service have been instructed to refer the matter to XXXX who are not responsible for the technology. When at last the institutions were accepted the funds were not in my HSA account at Optum. Customer service told me that inXX/XX/2024 it takes 2 to 3 days to facilitate a transfer. They claim XXXX is using the funds as float.All transfers I have ever done with XXXX were same day value. The purpose of HSAs as envisaged by Congress is to mitigate health care expenses not enrich Optum executive compensation using customer funds as float. These are hidden junk fees which should be eliminated immediately
Consumer complaint received 2022-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/2022 This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

Capital One NA XX/XX/2022 ( XXXX  XXXX XXXX ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, Used This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XX/XX/2022 ( XXXX, XXXX ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These are all accounts that have dates that are old and affecting me obtaining credit.
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (MS)

Vance and Huffman LLC originator : XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX. I have not opened an account with XXXX. If there was one it was paid in full back in XXXX of which is not on my credit report for whatever reason. The statute of limitations on debt in my state is three years. These 2 entries on my credit report is null and void and illegal. I tried disputing through XXXX but after a few weeks they said the account is accurate. I have asked for proof to show my signature and or an application with my info and what product/service I supposedly applied for in XX/XX/XXXX. The 2 accounts showing delinquent were opened in XX/XX/XXXX?? 
Their Contact info Name VANCE & HUFFMAN LLC Address XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

It is my belief that this creditor has re aged these accounts. Further, they are falsely reporting payments as " missed payments ''  (  late ). In my initial letter demanding clarification and correction, this creditor failed to provide an adequate accounting of my payment schedule. I believe they do not have records detailing the beginning and ending of my loan with this creditor.
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

Since 2020 I.C System has been reporting a collection of XXXX $ on my file. I've disputed this several times we both bureaus, I've never done business with this company not sure how they recieved my information. this company is hindering me from extending credit.They are sending me mail to collect a debt that I do not owe. this has stopped me from renting housing, loan approvals, vehicles etc.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

the inquiries are in dispute with the financial institutions and are under investigation for fraud and identity theft activities. 

XX/XX/XXXXXXXX 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 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (FL)

Cks prime investment is reporting that I have and open account. I do not have an open contract with cks prime investment. I do not have a collection Im requesting that the account be permanently removed from my credit file as it is damaging my scores to buy home.
Consumer complaint received 2017-09-18
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. (ID)

XXXX report ... ... ... iam trying to repair my credit and reports on my own as well as with a real known repair service that deals with all three agencys. XXXX has items on my report that they others removed but and the items that XXXX did remove this summer they have added the items back onto it making my credit worst then it was. the same companys and the same stuff. i go in every 30 days and dispute it for the last 6 months. and also the hard inquirys that appear on my report that i didnt do there is dupicates and i have had to put a fraud alert on my credit file makes it even worst but they dont seem too do anything so i got ta keep disputing the items. i dont know if they can put the neg and collections back on after they remove them with the same company. they shouldnt be aloud to do that, once they remove the item and it looks good ..but when i apply for something it still states neg info or remarks those also need too be updated all i can do it keep disputing it over and over intill something is fix with everything so when creditors look i wont look bad as they are making me look right now.
Consumer complaint received 2024-04-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

National Credit Systems XXXX The law clearly states No collection account can be listed as OPEN ( FAIR CREDIT REPORTING ACT ) I Contacted the debt collection agency and asked them how they came up with the amout of XXXX And i wanted it verified they never verified the amount.. Plus dont have the right to collect they cant produce nothing i sgned with them
Consumer complaint received 2023-03-14
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. (AR)

I acquired my credit report and asked the credit bureaus to make sure everything was correct and accurate according to 15 USC 1681i ( 5 ).

I waited 30 days and received my investigation results and notice that everything remained the same. The consumer reporting agencies, XXXX, XXXX, and Experian did not modify or delete any of the inaccuracies stated in my report. 

On the following accounts, the date opened is not correct. There is no account number listed that verifies that this is the correct account or that they belong to me. The date of the last payment on the account is also not correct. 

XXXX XXXX XXXX XXXX XXXX - {$14000.00} XXXX XXXX XXXX XXXX  XXXX - {$47000.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$7000.00} Additionally, in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report.

This is a complete violation of my rights and is impacting me and my family from obtaining a home.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, 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. (NV)

On XX/XX/2023 there was a credit inquiry form XXXX. XXXX XXXX that was not mine. I called XXXX XXXX XXXX and spoke to someone who was suppose to investigate and remove this from my credit report.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

An unauthorized hard-inquiry was placed on my Transunion credit report today by  XXXX   (   XXXX  ) with the address P.O.  XXXX   XXXX ,  XXXX   XXXX , SD  XXXX  which corresponds with  XXXX  's address. I contacted Transunion ( the sole credit reporting agency which provided the hard inquiry to  XXXX  ) and they said I would need to get a letter of deletion from  XXXX  to forward to Transunion which is the only possible way I would be able to get the hard inquiry removed. I then contacted  XXXX  multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and  XXXX  said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted Transunion again to let them know what  XXXX  said and Transunion once again said they can not remove the inquiry without a letter of deletion from  XXXX . I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to  XXXX  's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number.  XXXX  's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears  XXXX  pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (GA)

I have contacted XXXX XXXX numerous times to resolve this matter and they havent responded for XXXX  XXXX to cover the claim they gave my birthday items to the wrong house when I told them to stop the package I was in XXXX celebrating they lost it and years later Im still having to handle this matter empty handed
Consumer complaint received 2023-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (NC)

Medical bill disputed with provider was sent to Financial Data Systems. Have made repeated attempts to contact this company in regards to bill. Can not get a response in any form. Have disputed the hit on my credit with XXXX and XXXX and disputes get kicked back as dismissed with no contact from the collection agency or anyone representing them to give me information to resolve the debt. At this point my credit is being negatively affected by a collection company that will not do the basic minimum required to settle the debt beyond continually holding the debt and not communicating. It goes without saying if i can not communicate and establish any type of payment or get a response how is it remotely fair to continue to keep hitting my credit for this debt. After the 4th dispute for lack of communication I assumed someone would have at least emailed, called or sent paper mail in regards to the debt. It is asinine to have to be held over the fire by a company that does not do the bare minimum legal requirements for debt collection.
Consumer complaint received 2017-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Center, LLC (NY)

I am  XXXX   XXXX   XXXX . This collection agency has put  XXXX   XXXX  and  XXXX  dollar charges into collections under  XXXX  different accounts. The first time I ever checked my credit report, I see  XXXX   XXXX  and  XXXX  dollar charges. I have never received a bill from a medical facility. If at any point I did owe, it would be under my parents. The time that this collection agency got the account I was just  XXXX . In order for anything to go into collections, it had to be delinquent for some time. I could n't have delinquency as a minor. I have never received a bill, a call, email nothing. I am requesting assistance in getting this removed from my credit file and having this company disciplined for erroneously reporting collections on my credit file.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (PA)

In  XXXX  of   XXXX  , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector True Accord, who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  XXXX   XXXX   XXXX   XXXX  who claimed to be collecting for "   XXXX   XXXX   ''. Believing "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with True Accord. I have made payments for the last 8 months.     Yesterday, I received a letter from  XXXX   XXXX  claiming that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my  True Accord a ccount which showed that at this point the balance is {$4800.00}. I called  XXXX   XXXX  who claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot o f True Accord 's p ortal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  XXXX   XXXX .
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (OH)

XXXX XXXX XXXX acct # XXXX2 15 U.S.C 1692 ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection if any debt. 15 u.s.c 1692b Any debt collector communicating with any person other than the consumer for purpose of acquiring location information about the consumer shall identify himself, state that he is confirming it correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; 15 u.s.c 1692b ( 2 ) not sate that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in debt collection buisness or that the communication relates to the collection of a debt ;
Consumer complaint received 2022-12-06
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. (AL)

These accounts were listed on my credit report as late and they were never late. These accounts are current and up to date. This is hurting my credit. This is a violation of the fair credit report act section 1681b. 

XXXX XXXX XXXX  Date opened XX/XX/XXXX {$630.00} Listed as 30 days late. 

XXXX XXXX XXXX Date opened XX/XX/XXXX {$360.00} Listed as 60 days late. 

XXXX XXXX Date opened XX/XX/XXXX {$870.00} Listed as late 60 days. 

These accounts were never late.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Opened an account. Deposited a check for {$9000.00}. They said I could not withdraw funds until after 7 business days. After 7 days, discovered they have closed my account, taken the money out and stated that they can hold my money indefinitely while trying to contact the person whom wrote the check to me. This man is a  XXXX    XXXX   XXXX   XXXX   and   XXXX    that is about  XXXX  years old. I talk to him all the time but they claim they can not contact him. As far as I am concerned they have stolen my money, because it has been more than a month now, and I assume they do this to collect interest on money held this way by thousands.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

I have a bankruptcy that was reported by Lexis Nexis without consent as well as the account not being 100 % accurate. I asked them to verify and validate who provided the information to them. I was told that the courts provided the information to them. I provided documentation verifying that the courts do not report to credit bureaus nor share information. This alone goes against my rights according to the FCRA 15 USC 1681-E ( B ) and should therefore be removed from Lexis Nexis as well as all three credit Bureaus ( XXXX, XXXX, and XXXX ). 

I am sharing with you the documentation provided from the courts stating that they do not report or share information with the credit bureaus as well as documentation I submitted to Lexis Nexis. 

I would like to have this resolved in 15-30 days, updated on my credit report and removed from the reports with Lexis Nexis, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I used Bank of America Bill pay to pay a second installment bill to a vendor who replaced windows at my house. The amount was for {$9900.00}. The vendor informed me soon after they had not received the bill payment. I requested a copy of the endorsed bill paycheck on XX/XX/XXXX and it was determined that the check was intercepted and fraudulently cashed. The vendor and I both immediately interacted with Law Enforcement and a Detective in Financial Crimes Unit was assigned. 

I opened Bill Pay Case regarding the incident on XX/XX/XXXX, but having no immediate response, I contacted Bank of America Fraud department. The fraud department also opened a claim after I explained the situation. I called for updates on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX... XX/XX/XXXX. I most cases the only information provided is that it's still " being researched ''. 

On XX/XX/XXXX, I was informed that the Fraud Case was closed and for the wrong reasons ( Fraud at check creation ). I was told that I would need to request a reconsideration, which was immediately done. On XX/XX/XXXX calling for status I learned they closed the Fraud case  and was told I need to speak with the Bill Pay department who then said they were researching. On XX/XX/XXXX Bill Pay department tells me they are requesting funds from another bank and have their own claim but would not provide me the information. On XX/XX/XXXX I call, and I'm told they are working with the Federal Reserve, and it could take 3 months to 3 years. I requested case information to be mailed and was just sent the online Bill Pay messages with no information. On XX/XX/XXXX I call and am told that it should take years, I should see the funds returned in the next few days. On XX/XX/XXXX I call asking for further escalation and am again informed that it can take up to a year and they can not credit my account until they get funds from the Federal Reserve. 

Issues here are that Bill Pay team and Fraud team are confusing as to whom to call when. And internally they also do not seem to understand who handles stolen Bill Pay checks as I'm transferred back and forth, and claims are opened then closed. There also seems to be no protection for the consumer where it has been proven that this check was stolen, leaving the consumer with the weight of having to pay an enormous bill to a vendor who never received their payment. If you can not trust Bill Pay to pay the bills and protect you when fraud occurs, why use such a service or bank with such a company?