davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
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. (LA)

Last XX/XX/XXXX I've sent a letter about those accounts were used without my permission. but It's almost 2 months now don't have any response yet. I was so stressed, I got a low credit score. I need Help to resolve this issue. I already contacted credit bureaus and furnishers.
Consumer complaint received 2019-12-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

In XX/XX/2019 we submitted a request for loan modification with all required documents to PHHXXXX XXXX Mortgage Services. After 90 days we received a decline letter that advised we were not 2 months behind on payments. During this period of time we were forced to file for bankruptcy protection, exempting our house. This was discharged on XX/XX/2019. We choose this direction to make sure we at least had a roof over our head. While our current loan amount is {$240000.00}. In XXXX we received a copy of an appraisal that the lender had done from our modification request that stated the property had a value of {$200000.00}. This looked like we were nearly {$45000.00}. upside down on the loan and yet they declined us. Additionally I contacted the lender to question this and then request a VA rate reduction to lessen the payment, our current rate is 5 % fixed, they advised me to contact the VA??? Not sure what they were thinking. The customer service level of this company has been terrible, you can not contact the designated person they indicate in their letters. We continue to stay current with this lender, but it has taken it's toll on our ability to pay for prescriptions, health insurance and food. Any help you can provide is appreciated. All documents are available.
Consumer complaint received 2019-12-04
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. (VA)

XXXX XXXX continues to call me at work despite being asked not to contact me. XXXX XXXX   has reported inaccurate information to the credit bureaus. Specifically, XXXX XXXX  is reporting late payments. I had a special payment arrangement in place with a set amount.
Consumer complaint received 2022-12-17
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (SC)

I paid Wells Fargo in full on my Home Equity line. I tried to do a settlement option with Wells Fargo in XX/XX/2021 to pay less than owed but they wanted me to apply for a settlement but I only wanted to pay them in full. They led me to believe that they may accept my settlement offer. That is the only reason that I did not pay them sooner as I had already sold stock in my IRA acct to pay them in full. The acct was closed and is still closed but they are reporting to XXXX  that the acct is still open and that I have not paid them in full when I paid them in full with a wire transfer on XXXX for the full amount owed of XXXX but they are still reporting to XXXX  and other credit agencies that the account is still open and that I am late for payments. I disputed this with XXXX  and provided them with the statement showing it was paid but they ignored it and still reported incorrect information.
Consumer complaint received 2019-12-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (AZ)

I am currently in the process of buying a XXXX XXXX XXXX ( Vehicle-ID XXXX ) with Carvana LLC. Everything for the loan is done, my income is verified, I signed the contract electronically and I requested delivery of the vehicle for XX/XX/2019 or XX/XX/2019. The only thing that is missing, is the bank confirmation, that the required down payment of XXXX ( XXXX XXXX ) $ is not currently in my account available I am out of State and will return on XX/XX/2019, and the XXXX $ will be available on XX/XX/2019 early in the morning. Carvana does not charge the account until the vehicle is accepted by the customer, so I asked their Customer Service Person, to please hold the vehicle until XX/XX/2019. I was ( pretty rude ) told that they can not do that and I should look for another vehicle and then go through the procedure again. I know for a fact from a friend of mine who bought a car from Carvana, that they did exactly this -holding a car for 6 days. ( I will get a written statement from my friend ) BTW-Carvana provides delivery service between 5-15 days after the deal is done. It would cause me a potentially very substantial financial loss, if Carvana could not hold the vehicle until XX/XX/2019. Actually it would only be an extra 2 days from their normal delivery date.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC. (CA)

The debt collector, Caine and Weiner ( https : //www.caine-weiner.com/ ) has continuously made telephone calls from proxy phone numbers to my phone as early as XXXX and as late as XXXX at night. I have receive phone calls on the following dates and times over the last week alone, and have repeatedly asked them to not call me regarding this matter : XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX The frequency and number of calls is staggering and annoying in every sense. Calling to collect a debt as little as ten minutes apart is interfering with my work and my ability to function at my job.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc. (NC)

On XX/XX/21, I called Credit Management Co. regarding a {$54.00} collection on my XXXX report. I had to search for their contact information, as the telephone number and address that they have listed on the report is incorrect. I spoke with an agent XXXX, and then a supervisor XXXX. 

XXXX advised me that on XX/XX/21, Credit Management had sent requests to XXXX  and XXXX  to remove the collection from my reports. However, only XXXX  removed it. I contacted XXXX  on multiple occasions over several months and it was not removed, so I decided to call Credit Management and request that they submit another request. 

XXXX stated that they could NOT submit another request, and that I would have to contact XXXX. When I told him that's what I had done for almost 5 months, he told me that he couldn't help me unless I filed a police report??? I'm not exactly sure who I would file against, and XXXX couldn't tell me.
Consumer complaint received 2019-12-04
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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The XXXX XXXX card doesnt report that is has been paid but it also doesnt report that it has been sold to a collection agency please verify this information and delete all inaccurate information
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Once again, On XX/XX/2021, Capital One has frozen funds in my 360 checking account in the amount of {$34000.00}. The first time was on XX/XX/2021. 
The actions that Capital One has taken, appears to be both retaliatory and discriminatory. The source of the deposited funds has been documented with the bank. The funds are the proceeds of an SBA EIDL program. Capital One is trying to circumvent Congresses intent for the funds. Could it also be that the majority of this shameful behavior is directed at account holders / small business owners XXXX  XXXX? Clearly, the time has come for a XXXX XXXX to investigate, the inner dealings of Capital One as it relates to their banking relations within communities XXXX  XXXX or lack thereof. 
I have tried to contact XXXX at XXXX ext XXXX to discuss a resolution, but that individual has ignored my requests. I have on several occasions sent via email and per their request, sent supporting documentation regarding the source of the funds. 
I hereby demand an immediate release of all monies held within 360 account # ending in XXXX or a copy of an court order authorizing said seizure.
Consumer complaint received 2024-06-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I purchased a prepaid {$500.00} Visa gift card from XXXX XXXX on XX/XX/year>. Each time I attempted to use the cards my transaction was rejected by the issuer. The issuer is XXXX XXXX, the cards are serviced by Incomm Financial Services. XXXX/Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes that delaying the spend down on the cards will lead to windfall and unmerited profits for the issuer. How? By frustrating users and rejecting consumer purchases, chances increase that users will simply give up and not use the cards. By frustrating users and delaying spend down chances increase that users will misplace their cards. This is unethical behavior. I have been forced to endure lengthy delays, lost submissions and poor customer service on the numerous occassions on which I have forced to seek refunds and card replacements from XXXXIncomm. That is why I now appeal directly to CFPB in the hopes of not only receiving a refund for the card, but some action on the part of CFPB to sanction XXXXIncomm so that the entities stop this eggregious behavior. 
I have been unable to utilize {$500.00} of my card for over a month now. 
I spoke with a representative on or around XX/XX/XXXX and have heard nothing back. I was promised that a check refund would be mailed to me. It has been nearly a month since that last interaction.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account # XXXX Date opened : XX/XX/2019 Last activity : XX/XX/2019 Original creditor : XXXX Status : closed Balance : XXXX In accordance with Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A .states I have rights 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
Consumer complaint received 2018-10-02
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: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-13
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. (NJ)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 
1 : XXXX XXXX  account # XXXX 2 : XXXX XXXX XXXX XXXX  XXXX ) account # XXXX 3 : XXXX XXXX account # XXXX 4 : XXXX XXXX account # XXXX 5 : XXXX XXXX XXXX account # XXXX 6 : XXXXXXXX XXXX account # XXXX 7 : US BKPT CT NJ XXXX ref # XXXX 8 : XXXX XXXX account # XXXX 9 : XXXX XXXX account # XXXX 10 : XXXX account # XXXX 11 : The XXXX XXXX XXXX account # XXXX 12 : XXXX XXXXXXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Emergent Business Group, Inc. (GA)

Emergent Business Group contacted me on XX/XX/2022 via phone. 

I have never received anything in the mail about this debt. 

Kindly fill out the documentation i have provided in the fair resolution area of this complaint.
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (ME)

My daughter sent me {$1000.00} she owed me through Venmo on XX/XX/21. I set up an acct. on their site with XXXX of my debit cards to transfer the money. When I went in to do the transfer it was locked so I tried entering the bank acct the cards are attached to but Venmo wouldn't let me. I've called their customer service multiple times every day. I've had to send them a picture of my drivers license, copy of bank statement and even had a rep from the bank talk to them. I sent them a letter from my bank verifying the acct. and they still won't release the money. You can't talk to anyone from the dept that fixes the issues only email but they don't respond. I've emailed the service dept 10 times .I 've talked to customer service 5-6 times and supervision 3 times but all they do is raise the priority for the tech dept. My wife and I are both XXXX VETs living on a fixed income and need this money ASAP.
Consumer complaint received 2019-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The debt from portfolio recovery associates stating that it was an account with XXXX XXXX  XXXX. I only own one account with this bank and that is a credit card with XXXX XXXX XXXX. This company has never sent any bill on this account, I have never ever even dealt with this bank until i applied for the XXXX  XXXX credit card. I have never received any statements from this bank or this collection agency until it showed up on my credit report today. This company is causing a real hard ship for me and my family and I am trying to find a way to put a fraud alert on my credit report. I would like this collections removed from my credit as soon as possible. This account does not belong to me.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I started a Closed Corporation in XX/XX/XXXX and closed it XX/XX/XXXX. In XX/XX/XXXX I saw on XXXX that PORTFOLIO RECOVERY ASSOCIATES , LLC, was filing suit against me personally, for XXXX  XXXX, instead of them having my Closed Corporation in the court documents, they had it as an LLC. Which was False and the court documents had a few other False statements. I check with CFPB website and saw that in XXXX of XXXX, CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. Repeat offender : PORTFOLIO RECOVERY ASSOCIATES , LLC, was at it again. I sent PORTFOLIO RECOVERY ASSOCIATES , LLC, a Cease & Desist LTR-Cap 1 and a copy to the Judge too. I checked on XXXX the day before court and saw that the case was Dismissed by PORTFOLIO RECOVERY ASSOCIATES , LLC and to not contact me again or I would send my information to CFPB. Well they did and wanted me to fill out a Hardship Case. So here I am, on CFPB filing a complaint on PORTFOLIO RECOVERY ASSOCIATES , LLC who is a REPEAT OFFENDER.
Consumer complaint received 2021-08-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Helm Associates (PA)

I have a loan with HELM ASSOCS. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX  Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern By the Fair Credit Reporting act. The list 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by then 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 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC ()

Hello : My Loancare account is as per attachment.. My mortgage was taken out in XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX ( as per attachment ). 
This mortgage was sold to Loancare in the year XXXX. 
This property at XXXX XXXX XXXX, XXXX XXXX was sold on XX/XX/XXXX. 
Loancare has charged me on this sale the following fees A ) XXXX Reconveyance fee B ) XXXX Recording fee C ) XXXX Late Charges D ) XXXX Fees Owed to Loancare E ) XXXX Account closing F ) XXXX Statements to Loancare These fees from A-F are incorrect. 

I have asked Loancare on XX/XX/XXXX, where I was supposed to be charged by XXXX XXXX for the fees, A ) XXXX Reconveyance fee, B ) XXXX Recording fee, D ) XXXX Fees Owed to Loancare, E ) XXXX Account closing, F ) XXXX Statements to Loancare. 

Loancare did not answer my detailed email, on how it was allowed to charge me this {$360.00}, in extra fees. This {$360.00} of money should be refunded to be. 

For C ) XXXX Late Charges, D ) XXXX Fees Owed to Loancare. There was no late payment made to Loancare, and there D ) XXXX Fees, was paid to them on XX/XX/XXXX, of XXXX. This sum of {$50.00} should be refunded to me. 

I appreciate your help beforehand. Any other information you wish to have, I will forward to you. 
Thank you