davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear Consumer Financial Protection Bureau : I obtained my XXXX, TransUnion and XXXX  credit report on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the  ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. ( I have attached letters along with this letter ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX, TransUnion or XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received your response Last XX/XX/XXXX that you declined to block the information I have provided. I sent a complaint on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TransUnion is required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX. I am including it again. 

XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX  XXXX Balance {$8900.00} ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-03
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. (TX)

XXXX XXXX Account XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  Account XXXX sent ftc violatons taking more than 30 days
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XXXX XXXX XXXX has contacted me 23 times this week from a total of 8 different phone numbers, all of which I have proceeded to block. The have masked their caller ID, and lied when I called back to ask who it was. 

This not just harrasment and dishonest collection practices - it is in direct violation of the Colorado Attorney Generals direction to pause all debt collection efforts. 

I have told then to cease contact a total of 12 times over the past 8 months, stating that I will only talk directly to the original creditor, Bank of America, who returned the on-time payment I made for this account, froze my online payment portal, reported late payment to the credit bureau, and has refused to contact me in writing. 

I have said it so many times : I will re-issue this payment once Bank of America 1 ) Acknowledges their mistake, 2 ) submits a correction to the credit bureau, and 3 ) reinstates my online payment portal so I am physically able to pay this debt. 

I have never received any paper bills from Bank of America, so I have not been given any other way to pay this. 

If XXXX XXXX XXXX continues to harass me, I will file a police report and start involving attorneys.
Consumer complaint received 2020-03-25
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Southwest Credit Systems, L.P. (PA)

While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$290.00} from southwest credit on XX/XX/2019. This credit card is unauthorized transaction and maybe identity theft is considered.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP (AZ)

REPEATED calls at all times of the day, multiple times a day. This company has been told REPEATEDLY that the person they are asking for IS NOT HERE. They have also been told REPEATEDLY that this is a business, and that I am tired of their repeated phone calls. I am tired of their phone calls and I am tired of being ignored when I ask them to stop. They are some kind of XXXX XXXX collection agency and they ignore everything I tell them. Next phone call I receive from these lowlifes, I am blowing my referee whistle into the phone.
Consumer complaint received 2020-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

I have been paying on this account for 3-4 years and once I lost my employment, I contacted XXXX XXXX ( XXXX XXXX ) and informed them and they were not open to any agreement. No matter how many payments I made, they continously added on late fee payments. When I did make payments on the XXXX XXXX Website, the payments were not found on their website or missing. When I was unemployed they continued to add fees which made it even more difficult to continue paying off. I have paid the amount in full if not more. Midland purchased this account and are claiming I owe WAY above what I feel I owed. They have already started harrassing me with phone calls and threats to pay. I am currently working from home trying to maintain a job as my current company has shut down due to COVID19 fears. This is not the time to harrass people over paid debt when the ecoomy to trying to stay afloat. I've sent Midland communications to cease and desist on collecting and that I dispute the validity of the debt and all my communications have been ignored. They sent me communications with already threatening me to pay or they will put a negative mark on my credit report.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

The Home Depot credit card through Citi bank offers a {$25.00} discount on your first purchase. I purchased an item on XX/XX/XXXX for {$37.00}. I now have my XX/XX/XXXX statement with a balance of {$37.00} and minimum due of {$28.00} on XX/XX/XXXX. I should only owe {$12.00}, but they want me to pay {$28.00} and wait for them to process that, then ask for the money back they owe me - or, I can pay what I actually owe and have a derogatory mark on my credit report. 

I spoke with them last week ( Saturday XX/XX/28 ), the person I spoke with said he was processing my credit and that, while it wouldn't show up in my statement for a long time ( one to two credit cycles ), it would be reflected in my online balance in a matter of days. today is XXXX and it hadn't shown up so I called again. I spoke to a clerk, then a manager. both saying the credit would not show up for a cycle or two, and that I need to pay them money I don't owe. 

I told the manager that every other credit card company I have ever dealt with, which are many, can apply changes to an account and they show up within days - if not instantly. if they have put my credit in, why are they unable to reflect it on my account?! 

I should not have to send them money that is not owed to them and wait the same amount of cycles for them to send it back to me!
Consumer complaint received 2022-02-21
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. (GA)

I checked my credit report and I noticed so violations that were on my credit report I then proceeded to reach out to the credit reporting agencies that were reporting the inaccurate information but they did not correct and delete the information.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have reached out to credit agency and ask them to update my credit file to reflect the correct address and spelling of my name on the account. 

Please remove the following addresses as I do not reside there or ever lived at that address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct address that should be listed is XXXX XXXX XXXX XXXX My name is also incorrect on the report please remove the incorrect names : XXXX XXXX XXXX XXXX My name listed should be listed as XXXX XXXX XXXX. 

Current Employer is XXXX XXXX. I have never worked at XXXX XXXX. 

Please update my name and address as this is incorrect and causing an issue when I apply for certain items that require a credit check.
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act convergent account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy and 15 U.S.C 1604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX XXXX XXXX  {$980.00}
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (OH)

I'm submitting disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. The information was compromised. My information has been being handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 2020-03-25
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. (TN)

My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX  XXXX  XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX   XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX   XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX   XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX   Unauthorized and demand strict proof. XXXX XXXX XXXX   Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my  personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.
Consumer complaint received 2020-03-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

XX/XX/2020 I stopped into local Citibank to make a deposit into my busines checking account The manager advised her staff not to service my business checking account, does not allow me to make deposits!! Its clearly not about money and business here its all about XXXX time and cost Citigroup board of directors a loss of gains in revenue. I then went to another branch on XXXX XXXX XXXX NY, attempt to raise the account status and improve cash management features which are more beneficial for my law firm and the banking needs we have, we made a deposit for XXXX on XX/XX/2020. The actions of and deception of Citibank tellers bankers is beyond belief
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MO)

XXXX was the original creditor to this account and this was sold to XXXX XXXX. In XX/XX/2019, XXXX XXXX was removed from my credit report. In XXXX of 2019, Enhanced Recovery Company was added as a collection account. This information has already been disputed and removed when XXXX XXXX reported the account. Also, Enhanced Recovery Company has this reported as opened XXXX, XXXX, 2019 which is inaccurate because, XXXX XXXX did not delete the account until XXXX.
Consumer complaint received 2024-01-03
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (TX)

Back in mid-XX/XX/XXXX, I moved out of the college apartment I had been staying in for four years. There were a number of things that needed small repairs, a few drill holes that I patched and some mild discoloration/staining in the bathtub. I assumed that I would receive some charges for these and understood that I should follow-up with the company some time after moving out in order to handle those charges, were my deposit not enough to cover the damages. I was told that any charges would be applied shortly after I moved out and they would notify me of them. 

Six weeks after moving out, I followed up with the apartment complex and asked if there were any cleaning/repair charges that needed to be paid for, and they provided me with some {$92.00} of charges due. I summarily paid them, and asked the employee if I should expect any further charges, to which they replied " no. '' Come XXXX, I receive a letter from the complex stating that I owe some {$150.00} of cleaning and repair charges that were not previously accounted for. After examining the statement, these charges were applied on the both the XXXX of XXXX and XXXX of XXXX, some ten-fourteen weeks after I had moved out. I attempted to call the complex on at least three occasions throughout the next week, was told that the message would be forwarded to the manager and I would receive a response, and heard nothing. I fully believe that these debts listed are fraudulent, given 1 ) how long it took for them to be listed on my account and 2 ) that I had been told my accounts were settled. The apartment complex ' lack of willingness to discuss these charges serve as reinforcement to that belief. 

In XXXX, I received a letter from a debt collections agency for this debt. I sent a debt validation letter stating that the debts were fraudulent and that I dispute their validity dated XX/XX/XXXX ( within my 30-day period provided by the FDCPA ), and finally received a response  dated XX/XX/XXXX containing that same statement I was sent back in XXXX.
Consumer complaint received 2020-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

SITUATION : I set up an automatic monthly payment of {$820.00}. on my consolidated student loans in XX/XX/XXXX after my deferment ended while I was in graduate school, and I have not missed a payment. I reviewed my statements in XX/XX/XXXX back to XX/XX/XXXX and noticed that the way interest was being charged on my loan was not correct. As the principal is paid down, the amount amount of interest should go down, and the amount credited to principal should go up each month as in a mortgage. That was the way I set up the interest to be charged, but it was not being charged that way. The interest amount stays roughly the same month to month. ACTION TAKEN : I called Navient and talked to customer service who could not correct the problem. I asked to be transferred to a supervisor. RESULT : The supervisor confirmed that the interest was not being charged correctly. He told me I would receive a letter in 3 to 5 business days telling me how Navient would correct the issue. About three weeks later, the letter came. The letter summarized the capitalized interest while my loans were in deferment. It did not address how the interest was currently being charged since the loans came out of deferment in XX/XX/XXXX. ATTACHED : Attached is one of the statements that I have highlighted the interest and principal totals paid, which is similar interest amount to all the other statements. Also, highlighted is a section called " How do I pay with instructions? '' that details how a customer can instruct the lender to allocate interest differently so the consumer does not pay more interest than needed on the loan. Also attached is a copy of the letter from Navient showing they did nothing to address the problem. DESIRED ACTION : I want Navient to apply the payments since XX/XX/XXXX as I directed so that as the principal is paid down monthly, the monthly amount going toward interest is also reduced.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

Barclays double billed my checking account, charging me again with a previous months one-time payment ( via mobile app ). They have also continued to charge me a late fee because I pay my bill early in the month. I also pay well beyond the minimum. Their representative stated it had to be paid on the XXXX of each month - which I know is not only incorrect, but illegal. I ended up paying off the full amount on the account yesterday and closing the account due to the hundreds of dollars they have cost me in illegal fees. Please do something about this because I know they must be doing this with others. Their rep even said Id probably be billed a late fee for this month on the XXXX because I didnt pay it off on that date!!!