davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (NJ)

Specifically, Capital Accounts failed to provide me with any written debt validation notice regarding any alleged debt before reporting any information to credit bureaus. They failed to provide me with any notice at all of my rights to dispute the validity of such debt within 30 days. They failed to provide me with any notice of my rights to obtain the name and address of the original debtor within 30 days. They failed to verify that I am responsible for this alleged debt. They unlawfully designed, compiled, and furnished information regarding a debt allegedly owed to a creditor knowing that such information was intended to create the false belief to credit bureaus that their company is participating in the collection of and attempting to collect an alleged debt that I allegedly owe to a creditor, when in fact, they are not in any authorized capacity to do so and no creditor has given any such authorization. 

I requested in writing that they provide me with all of the documentation listed below and they responded with the attached letter only that their client, " XXXX XXXX '', authorized them to report the debt as a collections account to credit bureaus. They did not provide any documentation to verify that I owe any alleged debt. They did not provide information regarding services rendered for the alleged debt. They did not provide the full mailing address of the original creditor for the alleged debt. They did not provide documentation of any signed contracts or agreements with the alleged creditor. They did not provide documentation showing they have verified that I am responsible for this alleged debt. They also did not provide documentation showing they are licensed to collect debts in the state of New Jersey, which they are NOT. 

I have also have written to the credit bureaus regarding this matter and I am awaiting a response and hopeful deletion as well. Further, I contacted XXXX XXXX billing department and I spoke with them. They stated that I do not have any past due balances. They are my current medical care facility. Further, they stated that they did not authorize the collection activities.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

t 's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have credit cards not reported with an excellent payment history, credit cards paid off and aren't supposed to be reporting, credit relationships discharged against the creditor by the XXXX XXXX court that they are still reporting in errors. 

The detailed letter provided gives full names, account numbers, dates, and amounts to be corrected. 

The creditors are also reporting data in collections or in charge off status in a current month, despite Covid relief mandates, as though they weren't informed of the same. 

My credit score isn't correct on the three reports.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In review of my most recent credit report, I noticed that Capital One was reporting {$7.00} late in XXXX of 2019. I normally make {$100.00} payments each month, and on XX/XX/2019, I made a payment of {$250.00}, which I will attach. The {$7.00} was clearly to pay the entire balance and is what is shown on the Capital One website. This is being reported inaccurately.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

On the XX/XX/2020 I received the third letter from Shellpoint Mortgage Servicing saying that I was behind in mortgage payments and that the credit bureaus have been informed and foreclosure is pending. When I contact Shellpoint Mortgage, they tell me that my account is in good standing and that no actions of any type are pending. My concern is again I have received multiple letters from them and that they are harming my credit standing by reporting a false account standing to the credit bureaus. 

In my opinion this is the same as predatory lending, and should be dealt with in the strictest manner. Our lives revolve around having excellent credit and I have worked hard my entire life to maintain this level of credit. This company thinks nothing of throwing those years away and they have no fear of paying a price for such behavior.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

COMPANY IN QUESTION IS HOME DEPOT COMMERCIAL CARD SERVICES OF XXXX XXXX XXXX XXXX XXXX MISSOURI XXXX ( RETURN MAIL ADDRESS ). 

OR DEPARTMENT XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX ( REMITTANCE ADDRESS ). 

ISSUE IS RATHER SIMPLE. I TRULY ENJOY THIS ACCOUNT BECAUSE RETURNS ARE SO SIMPLE : PRESENT CARD AND ITEM ; THEY SCAN AND CREDIT ACCOUNT. 

PROBLEM IS WITH BOOKKEEPING. THIS PAST BILLING CYCLE OF XX/XX/2020 SAW A {$50.00} CREDIT ON THE ACCOUNT AND {$11.00} OF CHARGES. THE CREDIT WAS NOT APPLIED TO THE CHARGE SO A LATE FEE COULD BE ATTACHED OF {$20.00}. THIS WAS REVERSED AFTER A CALL TO THE BILLING CENTER -- AS LONG AS IT ONLY " HAPPENS '' TWICE A YEAR. 

THIS HAS BEEN A RATHER ROUTINE ISSUE OVER TIME ; THE JUSTIFICATION IS I/WE DID NOT " TELL '' HOME DEPOT WHAT TO DO WITH THE CREDIT. TO ME THIS APPEARS TO BE A SLY WAY TO ASSESS FEES TO BOOST CASH FLOW. FORTUNATELY WE ARE A TWO PERSON ( MARRIED ) OPERATION. IN A LARGER COMPANY WITH SEPARATE BILL PAY DEPARTMENTS, THESE SNEAKY FEES WOULD SLIDE THROUGH AND GET PAID BY INNOCENT ACCIDENT. 
PERHAPS THIS ACTIVITY IS NOT ILLEGAL BUT IT IS UNETHICAL.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (TX)

Received EIP card but no PIN. Can't activate card or get anywhere on any website without the PIN. I can't even cancel it by calling XXXX or on the EIPCARD.COM website without the PIN. 

Can't use it, can't cancel it??????
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability of getting a new home. I don't know why im being treated like this.
Consumer complaint received 2021-03-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA and XXXX XXXX  were reluctant ( decline ) to give me the third option of getting out from my forbearance. 
These are the option : 1. ) lump sum payment.

2. ) re-payment plan ( modification/re-finance ).

3. ) to put due amount ( 3 month of forbearance ) to the very end of the loan. 
My loan is a VA type of loan in the first place. 
USAA/XXXX XXXX denied me of the third option which I'm specifically ask/requested before the forbearance started in XXXX. 
I'm willing to get back to normalcy of payment but they're forcing me to take the second option which I didn't approved. I ask for the third option in the first place from the very beginning of forbearance.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/21 send police report of Identity theft to company, company received on XX/XX/21. Company responded the fraudulent accounts were verified on XX/XX/21. On XX/XX/21 I requested all the information that would support the verification of the fraud accounts have not received any response from company.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

I made my monthly payment on the XXXX of XXXX which I always pay on the XXXX or XXXX. I had just spoken to someone at the company to say my payment is made and now I get a XXXX point decrease in my credit because they are claiming XXXX XXXX delinquent. I havent been delinquent on my car since XXXX or 2023. They done offer deferments or payment assistance. When I was delinquent they always harassed me but never helped me
Consumer complaint received 2023-12-31
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2021-03-18
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. (TN)

I have submitted q request to have this medical bill removed from my credit it is a HIPPA LAW VIOLATION. When HIPAA-covered entities disagree with the findings of the investigation, a civil monetary penalty may be issued. This collection agency has shared my Doctor name and that goes against HIPPA and the bill has been paid. The collection company will not furnish proof of any but that I dont owe.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

My wife, XXXX, and I have a joint XXXX account issued by Citibank , N.A . On XX/XX/XXXX, XXXX was preparing for a trip to XXXX where she planned to rent a car from XXXX. To verify that rental car insurance was provided in XXXX as a benefit of our credit card, I telephoned Citibank on that date. I provided our account number and was told we indeed had rental car insurance as a benefit. I asked her to confirm this, and that afternoon XXXX received an email from Citibank bearing the subject, " letter of coverage '' and attaching a " XXXX XXXX XXXX '' ( copy attached ). 

On XX/XX/XXXX, XXXX arrived in XXXX and rented a car from XXXX. In reliance on the representations from Citibank, XXXX declined the XXXX damage waiver, paid for the rental with our Citi XXXX, and fulfilled all the other requirements stated by Citibank in the Certificate it sent to us. The cost of renting the vehicle was XXXX Euros ( or {$380.00} ), with an additional charge of XXXX Euros ( {$5400.00} ) as a deposit to be used in the event of damage to the vehicle. 

On XX/XX/XXXX, XXXX walked to the XXXX XXXX XXXX XXXX XXXXXXXX to get the rental car and drive to the XXXX XXXX for her return to the XXXX. She found someone had smashed a small window at the rear of the right side of the car. There was no other damage. Because the damage waiver had been declined, XXXX sent XXXX an email attaching an XXXX Report XXXX ( copy attached ). It indicated that it would charge the security deposit she posted when she rented the vehicle for the cost of repairing the car, which was to be a maximum of XXXX Euros ( {$320.00} ), plus up to 15 % of that figure. 

On XX/XX/XXXX, after returning to the XXXX, XXXX and I called the number provided by Citibank on its coverage letter to make a claim. As it turned out, that number was to the Citibank cards benefit office. We were told rental car coverage had been dropped as a benefit of our card in XXXX. When we explained we had received a coverage letter from Citibank, we were told that did not matter and because there was actually no insurance coverage as a benefit of our card, Citibank , N.A . would do nothing to help us.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 Bank of America without warning or explanation placed two freeze on my account by putting an {$880000.00} withdrawal hold on my account. This has put both my personal and my business account into the negative by over $ XXXX dollars. 

My business account is used daily and has checks that go out for payroll. When I called Bank of America, they were unable to give me any reason as to why the account was being reviewed. They also told me that I need to call back in the next 24-48 hours. I asked to speak with a department head or someone who might know which department at least initiated the hold or the review of my account. Again, nothing. No information, just call back tomorrow. In the meantime, my business and my personal health is suffering. 

The direct effect of this is my workers are not getting paid. My $ XXXX that was in my accounts I can not touch even though I've done absolutely nothing wrong. Please help.
Consumer complaint received 2022-12-31
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-18
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. (CA)

i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Yesterday, XX/XX/2021, I reached out to the servicer of my conventional mortgage to set up a bi-weekly payment option. Being in mortgage myself, I understand the compounding benefits of doing so to basically knock years off the life of my loan, but also save 10s of thousands of dollars as well. I initially was unable to do this on their website, so I ended up calling them. When I was about to set it up I had the representative read me the terms and noticed that the payments were not going to be applied at time of payment, ( meaning the interest being compounded would stick to the amortization schedule and not an accelerated one, ) but rather would be held until the full payment was received and then would be applied as a regular payment to the loan. 
I feel that by not having the option on their website, they are able to obstruct how their payments are being applied and it wasnt until I confirmed with the representative how it was going to be applied that I understood there was no additional benefit.
Consumer complaint received 2020-03-13
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. (MN)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DPT ED/XXXX
Consumer complaint received 2021-03-18
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. (CA)

XXXX XXXX ( XXXX ) XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.
Consumer complaint received 2021-03-18
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. (CA)

XXXX XXXX XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.