davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (IN)

On XX/XX/XXXX my credit card balance was paid in full. XXXX. 

See attached statement. 


No payment is due for XXXX. 

See attached The minimum payment for XXXX is due on XX/XX/XXXX See attached. 
Avant marked my credit report 30 days late causing me to lose XXXX points. 

I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2
: It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXeven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-04-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Business Factors (WA)

NATIONAL BUSINESS FACTOR submitted an account to all three credit bureaus this morning for collection. Original creditor was XXXX XXXX XXXX, I was a victim of a hit-and-run car accident by a drunk driver last spring. NATIONAL BUSINESS FACTOR said that because I was an out of state client they're not authorized to initiate communication via phone or mail prior to reporting the collection to my credit. When speaking with the supervisor she became hostile, cursing and raising her voice at me saying " WELL YOU KNOW XXXX XXXX WELL COVID19 ... BLAH BLAH BLAH '' ... I stopped listening after this. 

When I asked to speak with the director ( since she was the supervisor ) they just rerouted me to another rep, they also refused to delete the account if I wouldn't pay the interest - I feel that the lack of willingness to get my account settled was retaliation for being unwilling to accept the supervisor being verbally abusive. 

NATIONAL BUSINESS FACTOR SUPERVISOR : XXXX XXXX XXXX THAT CLOSED ACCOUNT : XXXX XXXX
Consumer complaint received 2022-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AP)

This is the third time i have been contacted by this particular creditor regarding an account that is not mine and was opened fraudulently. I had no knowledge of these accounts and they have threatened to take legal action. The accounts is question include the same two from before which is a XXXX XXXX account dating back to XXXX for {$650.00} and an XXXX XXXX account dated XX/XX/XXXX for {$3300.00}.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

I applied for a Prepaid credit card through discover to help rebuild my credit. I was informed I was denied for a Secured Credit card for 2 reasons : 1. Past account held with XXXX. ( I never utilized this card nor did load the card for any monetary value ) - I was advised this account was closed in 2019 but no further information was provided. ( I believe it was due to lack of utilization ) 2. Denied based on past Bankruptcy. 

I have more than sufficient income to support a prepaid credit card to assist in the rebuilding of my credit but was still declined for such offer. I also took a hit in my fico score because a hard inquiry was done against my credit to qualify me not for an unsecured line of revolving credit, but a secured line of credit. As a consumer and one responsible for load a secured credit card to be utilized, I believe it is not only unfair to have a hard inquiry done for such an offer, but the internal lending policy walks a fine line of " XXXX XXXX '' based off the marketing materials sent to consumers on a daily/monthly basis. 

I
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (TX)

The credit bureaus are not processing my disputes on several accounts. I have submitted several letters requesting validation and method of verification yet I have gotten generic responses regarding these alleged accounts.I have notified the credit bureaus that XXXX 's has falsely reported a payment was made on this account as of XXXX XXXX.This creditor is attempting to re-age this account and I have requested validation on 3 separate occasions and nothing has been changed. 
XXXX FORMERLY XXXX is reporting a balance owed on this account yet no notice of deficiency was ever sent out nor has this account been properly validated as requested. 
XXXX XXXX is reporting late payments that never occured due to the fact that this account has been on forbearance and deferment and is now being serviced by XXXX. In addition, there are several duplicate accounts being reported. 
I believe that the credit bureaus are not accurately reporting several accounts in which I have requested validation as well as method of verification. To this date I have not received any of the proof requested.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (TX)

The bank has refused to refund my funds after merchant has failed to take the payment, its been more than a month and i had to file a complaint as my funds have not been refunded to my account the merchant has said it is not received on their end and i should speak with the bank. i have attached all supporting documents to show the funds have been taken from my account and the merchant haven't received it
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 — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

This account with XXXX XXXX has been closed by XXXX since XX/XX/2022. Yet this shows past due and open on my credit report according to 15 USC 1666 b, revolving accounts can not be reported as late. Nor can closed accounts! I would like proof of their verification since they claim its been verified and if it can't be provided, this should be deleted immediately
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CarMax, Inc. (VA)

I previously applied ( online ) for a consumer credit transaction at Carmax on XX/XX/2022 and my application was denied. 

I sent a certified letter to Lawyers explaining they violated my consumer rights which was received XX/XX/2022 The Company did not provide an official response. 

I sent an Adverse Action Letter to the lawyers certified letter received XX/XX/2022 explaining they were violating consumer law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k.

Carmax is criminally liable for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by Carmax due to the response I received. 

Carmax is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 10002 because I, the consumer, made an application in good faith, but credit was not issued.

The company provided no official response I sent an email XX/XX/2022 explaining the adverse action company did not respond I was unable to speak with their consumer relations team directly they only accepted emails and letters
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2022-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I did not give any of these companies my permission to use my information. 

XXXX XXXX - XX/XX/2021 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
Consumer complaint received 2020-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Caliber Home Loans was my mortgage loan servicer until my loan was paid in full XXXX, XXXX, 2020. 

Caliber held the {$5100.00} escrow balance until XX/XX/2020, when, reported by Caliber 's customer service, the {$5100.00} USD check was allegedly mailed with first class postage, no tracking abilities. 

Today, is XXXX XXXX, 2020, and more than 25 non-holidays ( Sat, Sun, etc ), since XX/XX/XXXX, paid in full status of my loan. 

I've called Caliber Home Loans Customer Service and Escalation Department repeatedly to ask about the check. I have repeatedly been informed that is is Caliber 's policy to mail all refunded escrow checks via regular mail and for it to take 10 to 21 business days to receive the check. 

However, when requesting if they could locate the check, I was told they have no way to do that ; however, if I do request the status of the check be submitted the consequence would be the check they mailed would be cancelled and I could not use the check when finally received. 

Additionally, I was informed that the process would begin all over again, including the use of non-traceable mail and first class postage only - A catch 22! 

I believe that Caliber 's policy of returning escrow for paid in full mortgage loans violates CFPB 1024.34 ( b ) 1 ) which requires paid in full escrow be returned to borrower within 20 non-holidays ( Sat, Sun ), by exceeding more than 25 days and counting. Additionally, I find. it a bit hard to believe that I am the only one being disadvantaged by their delay codified in their Policy as stated by Customer Service and Escalation Department. 

Their delay has cost me more than {$1300.00} on a short term loan that I had reasonably expected to pay by XX/XX/XXXX. I will again have to pay an additional {$1300.00} if their process fails to deliver my escrow by XX/XX/XXXX.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-03-18
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. (NY)

I am unaware of this debt, i did not have a opportunity to dispute this information, I have requested proof this belongs to me and they have failed to respond. If in fact you believe you gave me proper notification then please send me the certified receipt with my name on it thank you!
Consumer complaint received 2022-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Finance Direct LLC. (MI)

XXXX XXXX sent the balance of my account to XXXX XXXX XXXX, XXXX. My application number with XXXX XXXX XXXX, XXXX is XXXX. 
I received an email that said " Once you are signed in, you will see that you have XXXX options : You can pay the account in full and receive a XXXX XXXX  discount. You can set up a payment plan. '' I kept choosing to pay the account in full for XXXX XXXX XXXX discount but it kept reverting to the payment plan. I was told by customer service that they could not help me with this issue until I finished activating my account and paying the balance minus the XXXX XXXX  I did that and when I called back I was told I would still need to pay the {$120.00} which is the XXXX XXXX  discount. I have emailed XXXX XXXX XXXX, XXXX and received the following response " Once the account has been set up for financing on our end, we are not authorized to make any changes to it. You may contact XXXX XXXX XXXX at XXXX to ask for any further assistance regarding this matter. '' I contacted XXXX XXXX XXXX who told me I need to contact XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX calls, texts, and emails me constantly about the {$120.00}. I have explained to everyone that calls me about the issue but they refuse to correct it. I paid the amount owed in all at once minus the 15 % discount which is the {$120.00}.
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (FL)

i call today to consumer portfolio services regarding my loan account XXXX to pay off the account today the last statement and what are reporting to my credit is that i own {$1500.00} i that include late fees and interest but went i call to pay off and ask for the amount to pay the lady said i own almost {$3000.00} and thats not what the statements or the credit report said. why are they reporting to the XXXX  that i own {$1500.00} in a loan almost {$20000.00} that i been paying since XXXX and went i want to pay today XX/XX/XXXX the amount is she said is higher than what the statement and record said
Consumer complaint received 2024-03-18
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. (NY)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an on Transunion it's ( XX/XX/XXXX ) and XXXX is XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-12-30
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. (IL)

I have sent letters to the three credit bureaus XXXX, Equifax and XXXX to remove a charge off for a vehicle thats on my credit report and neither companies complied. I have written them twice to verify this account and provide me documentation verifying this account and they havent sent me anything verifying this account is mines. Equifax is reporting an incorrect name on their report as XXXX XXXX XXXX when my name should be XXXX XXXX. Also I have requested to have inquiries that do not hold any accounts on my report past 30 days to be removed also. Please take action as soon as possible!
Consumer complaint received 2022-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

On XX/XX/2022, I sent Penn Credit Corperation a certified letter requesting debt validation on an alleged debt they added to my credit reports without informing me first to allow me the opportunity to dispute the validity of the alleged debt.They ignored my request and continue to report this alleged debt to the credit reporting agencies. I am demanding that they delete this account from my credit report.
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00} XX/XX/XXXXXX/XX/XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$44000.00} XXXX XXXX {$170.00}
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (VA)

XX/XX/XXXX paid a payment that day, they picked it up XXXX. following day. Called them to see what they required to release the vehicle so then paid and additional XXXX XXXX dollars to have it released and they have keep my vehicle and payment? Wells Fargo XXXX