davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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. (TN)

I am filing a complaint on Tranunion, XXXX  & XXXX  due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately. 

The following accounts are in violation and need to be deleted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-08-02
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. (KS)

On XX/XX/10 i reached out to TransUnion, XXXX  and XXXX  regarding some unauthorized inquiries that i found on my report that they are publishing. I submitted an FTC Report and an identity theft affidavit which i got notarized. These unauthorized inquires are still showing on my report and they haven't been blocked or removed even after i said they are unauthorized and un permissible by me.
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Mr. Cooper Group Inc. (CA)

We bought a house in XX/XX/2021 and sold our old house in XX/XX/2021. Our mortgage is held by Mr. Cooper. On XX/XX/XXXX our bank ( XXXX XXXX ) created a cashier 's check for {$250000.00} and XXXX it to Mr. Cooper. Mr. Cooper received it on XX/XX/XXXX. The money was never deposited into our mortgage account on that day. Mr. Cooper said they lost our check. It was found 9 days later and they attemped to deposit it on XX/XX/XXXX. In the meantime, our bank put a stop on the check. Mr. Cooper needs to sign an affidavit stating that they destroyed the check ( I was told they did this on the phone ). We just received a letter from them stating they will respond in 30 days. In the meantime our {$250000.00} is in limbo. It isn't in our bank account because Mr. Cooper won't acknowledge that they lost our check, and then that they destroyed it. We can't get access to our money until they do something.
Consumer complaint received 2021-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Hello, my name is XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent
Consumer complaint received 2021-08-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been disputing this account since XX/XX/2021 and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. 

Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role ano have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Consumer complaint received 2021-08-02
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. (FL)

On XXXX the XXXX 2021 I filed a complaint with CFPB on XXXX XXXX XXXX and Equifax. Here is the complaint number : XXXX. In this complaint I asked Equifax to provide me with proof they claim they have that legally validates the debt between me and XXXX XXXX XXXX. Equifax went on record on XX/XX/XXXX and said they had received additional information from the original creditor that validated the debt. ( See bottom of form Equifax 3-3 ) What XXXX XXXX XXXX had provided had not legally validated this debt so Equifax said they had additional information from the original XXXX XXXX XXXX XXXX  that validated this debt. I have requested numerous times from Equifax to see this alleged proof. Equifax sent me a letter with the same information that is on the attached form. This is not the information I requested. They have yet to provide me with this alleged proof from XXXX XXXX they claim to have that legally validates this debt. What is in the attachment does not even meet the CFPB standards of debt validation. I filed a complaint with the SC Attorney Generals office against XXXX Funding for not providing me legal proof of this debt. I attached the File ( Equifax Dispute 3-3, and what XXXX XXXX was claiming validated this debt. ( Resurgent reply 1 ) to the complaint and the SC Attorney Generals office even agreed that neither of those 2 forms meet the legal burden of proof to validate this debt. I want Equifax to provide me what the Evidence they went on record saying they had that legally validated this debt between me and XXXX XXXX XXXX I have asked Equifax numerous times to supply me with this alleged evidence. I have a legal right to see it. I know that the CFPB is not going to make Equifax show me this evidence even though I have a legal right to see it. I am filing this complaint so I have more evidence to substantiate my compliant against Equifax that I filed with the Georgia Attorney Generals office. Equifax has claimed that they have had this evidence since XX/XX/XXXX ( See bottom of form Equifax dispute 3-3 ). They have yet to provide me with it. They went on record and said they had additional information from the Original Creditor XXXX  XXXX XXXX that substantiated XXXX XXXX XXXX claim that this debt is valid. I wan to see this evidence. I have asked Equifax numerous to produce it and they still have not.
Consumer complaint received 2021-08-02
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-03-25
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. (IL)

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the XXXX bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. Therefore XXXX Bankruptcy XXXX Chapter XXXX bankruptcy XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXXI XXXX Bankruptcy XXXX XXXX Reference # : XXXX
Consumer complaint received 2021-08-02
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: Neon Newco Corporation (FL)

Netspend send a card to my address with someone else 's first name, but using my last name and address. This is how my credit was ruined previously by XXXX. I am filing this complaint because I never requested this card and Netspend is doing the same thing XXXX did, extend credit to someone I do not know, using my address and last name. I have contacted XXXX XXXX XXXX who handled my XXXX case. Netspend should cease and desist their fraudulent activity using my last name and address unless they want to pay a large settlement and legal fees.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, I sent the following message to XXXX : My account number is XXXX. I requested wire transfers on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, I was charged {XXXX}, but the wire did not go through the same day : Why was I charged all that money, if the transfers did not happen as fast as they were supposed to? I demand a refund. XXXX XXXX XXXX Afterwards, by email and phone, I was contacted by and communicated with XXXX XXXX and XXXX XXXX from Client Care Executive Response Team, to no avail. The last one claimed, for example, that one of the transactions took place after XXXX XXXX, when the bank was really closed and I could not have been there.
Consumer complaint received 2021-08-02
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. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account :
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (MA)

I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2015 with Discover Financial Services. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Discover Financial Services has taken federal reserve notes since XX/XX/2015 from I, the consumer. Discover Financial Services, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Discover Financial Services have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC (CA)

on XX/XX/2021 your company was sent a cease of desist letter plus a validation of debt, which wasn't answered you company communicated back with trying to settle the debt which Is a violation of FDCPA 15 USC 1692.on XX/XX/2021 im sending your company another cease of desist letter.plus violations that your company have committed against me.
Consumer complaint received 2021-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC (DC)

There is a serious mistake regarding my agreement with XXXX XXXX XXXX and the manager XXXX XXXX. I agreed to the vehicle sales price of {$9700.00} listed on their website on XX/XX/2021. NOT XXXX. That is {$2100.00} I need to be taken off my loan amount and vehicle sales price. I have filed official complaints with the XXXX XXXX XXXX, as well as the Federal Trade Commission. 

Also, the odometer was XXXX miles more than originally listed off of their website. The present mileage is XXXX.
Consumer complaint received 2021-08-02
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. (GA)

I contacted XXXX XXXX on XX/XX/XXXX about them violating my rights as a consumer and committing fraud by reporting late payments to my account without my express written consent to do so. Their fraudulent activities are outlined pursuant to 15 USC 1692c ( b ) : Communication with third parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX  XXXX had no prior consent from me, the consumer and natural person, to report these late payments, or the entire account for that matter, to my consumer report and they are in violation. 

Also, pursuant to Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX. All " late payments '' XXXX  XXXX posted on my consumer credit report were in the years XXXX, during the pandemic. They are in violation of the Cares Act by posting these late payments to my report while they had active Coranavirus Relief programs going for all of their customers. 


Furthermore, pursuant to 15 USC 1666 b ( 4 ) XXXX XXXX is in violation of my rights as a consumer. 15 USC 1666 b ( 4 ) states : Billing error - For the purpose of this section, a billing error consists of any of the following : The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. All statements have shown the amount due as positive but how can my payments be late when the balance shows as a positive and not a negative. They can't their statements prove that the " bill '' is already paid.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Receivables, Inc. (GA)

I received a letter from collection receivables inc. on XX/XX/2021 stating that I owe a debt to XXXX XXXX of {$1000.00}. I have not received any notification from XXXX XXXX stating that I owe any amount until I received this notice. I contacted the collection agency stating that I do not recognize this debt in the fact that I have not attended that gym and only believed I had signed up for a trial which I have never used. I told them that I would be sending a validity of debt letter and would like this debt to be verified in writing and sent the letter on XX/XX/2021. I have never received anything in the mail from the collection agency verifying the debt and received another call on XX/XX/XXXX with another attempt to collect. I was explaining that I have sent a letter to the office asking for written verification of the debt and they stated they did not have to send me anything in the mail and abruptly put me on hold with no notice or disconnected the call. I called back and the person on the phone began to yell and speak to me in a very unprofessional manner after I asked her not to yell and cut me off as I was just asking questions I had to hang up because she refused to answer me about the validation of debt. I have connected them in writing before the 30 days and they did not contact me in writing or by phone after I sent the letter and therefore have not contacted until after the allotted amount of time. I have a copy of the letter I sent disputing the debt and also have the original letter in the mail from collection receivables inc.
Consumer complaint received 2021-08-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Asset Collections Inc (OR)

I have been contacted by Asset Collections Inc @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX, by phone concerning a disputed debt with a Law firm that I used once and paid for in Full. The imperious man calling and leaving messages to me and my parents is named XXXX. I fired the Law firm and documented the conversations and the email communiques. First the Collection agency calls me repeatedly and by text and also called my Parents even though I am XXXX years old, Which is pretty low class. I had sent a registered letter to Asset Collection informing that the debt was disputed, that I owed the law firm nothing and to not contact me any further on this disputed debt. 
They are not stopping the harassment and are continuing to harass me now by mail. I believe they are violation the fair debt collection practices act by acting in such a reckless manner. I am in XXXX now am a single mother raising a XXXX XXXX XXXX son. I don't have job but do receive some child care monthly expenses.I don't understand why Collection agency 's can break the law and harrass people who Have no assets and only own a car, which I need to get around and raise my son.
Consumer complaint received 2021-08-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (MO)

I XXXX XXXX entered into a consumer credit transaction with REGIONAL ACCEPTANCE CORPORATION on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but REGIONAL ACCEPTANCE CORPORATION took cash. the finance charge is supposed to include insurance, but REGIONAL ACCEPTANCE CORPORATION made me purchase insurance separately. REGIONAL ACCEPTANCE CORPORATION have ignored my Cease an Desist demands pursuant to 15 USC 1692c. ( c ) ( 2 ).

PURSUANT TO 15 USC 1692 ( FDCPA ) FAIR DEBT COLLECTION PRACTICES ACT THERE ARE MANY MORE OF MY RIGHTS THAT HAVE BEEN VIOLATED BY REGIONAL ACCEPTANCE CORPORATION. REGIONAL ACCEPTANCE CORPORATION has also violated 15 USC 1692d, 15 USC 1692g, 15 USC 1692b. ( 5 ), 15 USC 1692b. ( 2 ), 15 USC 1692f. ( 8 ), 15 USC 1692j.
THEY HAVE ALSO VIOLATED MY TILA ( TRUTH IN LENDING ACT ) RIGHTS PURSUANT TO 15 USC 1601 AS WELL AS MY FCRA ( FAIR CREDIT REPORTING ACT ) RIGHTS PURSUANT TO 15 USC 1681, AND 15 USC 6802 Violation of 15 USC 1611 ( Criminal Liability ) REGIONAL ACCEPTANCE CORPORATION willfully and knowingly did not disclose Right to Rescission and is criminally liable. Penalty for said violation pursuant to 15 USC 1611 carries a fine no more than {$5000.00} or imprisoned not more than one year or both.

Violation of 15 USC 1601 ( Civil Liability ) Under ( TILA ) Truth In Lending Act neglecting to disclose the Right to Rescind carries a fine of double the finance charge ( {$16000.00} ) pursuant to 15 USC 1640 Violation of 15 USC 1605 Accepting cash as payment for finance charge and monthly payments thereafter. Knowingly excluding insurance in finance charge. Penalty for said violation is double the finance charge ( {$16000.00} ) pursuant to 15 USC 1640 ( a )
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (VA)

I applied to cash reward through Navy Federal credit Union and I was looking for a balance transfer promotion, on a phone conversation with a navy federal agent I was told if I would to do a product change to the platinum credit card I would be able to enjoy a 12 months and 0 % balance transfer promotion forward 2 weeks I'm calling in to find out if the promotion is attached to my card after the past 48 hours I spent to do balance transfers from different institutions and I'm finding that I'm not entitled to it because I did the product change and not and new application and that was not disclosed to me when she was selling and pitching the product change I'm feeling deceived and it's hurting me financially.