davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - XXXX/XXXX XXXXXXXX Balance : - XXXX XXXX/XXXX  XXXX Balance : - XXXX  XXXX Balance : - XXXX  XXXX XXXX Balance : {$990.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$970.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX/XXXX Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX/XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX  - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$750.00} XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$530.00} XXXX/XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XXXX hold on an government issued check. 

XX/XX/XXXX and received an email stating the funds will be available by XX/XX/XXXX at XXXX funds are still available and the bank has started to withdraw.
Consumer complaint received 2019-01-14
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. (NC)

In XXXX and then again in XX/XX/2018 I submitted evidence in a dispute to Experian that I was a victim of Identity Theft. The response to my dispute was limited in action and results. Despite, follow up both by mail and phone dispute I am afraid I at a dead end, in a matter that has cause my personal financial life to be in disarray.
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (FL)

I am constantly harassed by this company with phone calls and U.S> Postal mail for them to try and collect a debt that I no longer am liable for through my bankruptcy over 7 years ago. If you look at my credit reports you can see that there is no debt that is on any on my reports. But this company continues to harass me to the point that if the CFPB does not stop this I will have to call the police. I actually tried calling them and asking them to remove my account completely and the call center they use in XXXX were completely rude to me and said " No I owe them money ''. Which Is obviously not true and a tactic they are using to swindle people out of money that people are not liable for any longer. The letter they sent also said that the Division Manager is a person named XXXX XXXX. When I asked to speak to this person the representative on the line said there is not XXXX XXXX. This company needs to be investigated ASAP. I want my account completed removed from I do not want be contacted once more otherwise I will file harassment charges and I will also contact the federal agencies that oversee these types of company 's
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I received a Chase Saphire Preferred Card that I never applied for. It prompted me to contact Chase and close the card on XX/XX/XXXX. 

On the XXXX, I created an account on XXXX, XXXX, and XXXX freezing and locking my credit. The perpetrator had already made an XXXX account using my information. I contacted support and gained access to the account. I disputed the address on file, name, and inquiries. 

I contacted XXXX XXXX and reported fraud, which denied the credit card application. I contacted JPMorgan, but they did see the applications yet. They did a hard inquiry on XX/XX/XXXX and XXXX. 

I contacted the local police and filed a police report regarding the situation.
Consumer complaint received 2022-07-27
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. (SC)

I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit and if this information is not removed, I will no longer want my information reporting in your companies database. The reasonable procedures listed in the affidavit herein were not followed and this is a violation of the FCRA ( Fair Credit Reporting Act ). I have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information. I, the affiant, have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information.
Consumer complaint received 2022-08-17
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. (NC)

In a accordance with the fair credit reporting act XXXX  account below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TN)

I purchase a XXXX XXXX XXXX of XXXX on XX/XX/XXXX. I receive a loan from Santander  Consumer USA for XXXX with payments of XXXX monthly for 76 months. I was paying my payments on time but the balance will never decrease on my credit report. I have payed a total XXXX towards the loan, Every time I tray to trade the car or refinance the loan I was told that the total payoff was XXXX. I have called Santander Consumer USA several times to go over the contract because something did not seem right as to why my payoff was so high although the care was only worth XXXX. the only thing Santander will do is give me a one month deferment just to shut me up. finally I decided to give the car back on XXXX XXXX. I called the Santander and told them I no longer wanted the car and where should I take it. I was told that they will process the paper work send it to me in the mail to sign and they will come and pick up the car.  On XXXX XXXX I called and Santander consumer USA that I did not receive my paperwork and will they be coming for the car. I was transfer to different departments until I spoke to a Supervisor and was told that due to laws they are working on getting the car reprocessed . it took them 6 months before they finally came and got the car. I was told that they will take the car for auction and I will be sent a final bill. Unfortunately, I did not receive anything in the mail. I check my credit report. Santander USA has been reported negative payments towards my credit port to this day although they have the car in their possession. it is now reported that I still owe XXXX and the account is delinquent. it has not reflected any payments I've made for 4 years nor the amount that  the car was auctioned off for and the balance keeps increasing on my XXXX and my  XXXX credit report
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX  wish to file a formal complaint with each pertinent credit reporting agency, XXXXn, XXXX and XXXX XXXX collectively.  A debt collection agency known as The XXXX is involved in what will eventually be exposed as the largest financial scam against American consumers.  What The XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was Capital One N.A., and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was The XXXX in a position to own this debt, and for that matter, The XXXX has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of The XXXX, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, The XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX   could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, The XXXX never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on The XXXX licensing.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. XXXX, XXXX  and Transunion refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX- this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. 
This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ). Furnisher Rule Part 660 XXXX inaccurately changed the date of first delinquency on this  account. 

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 XXXX inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I got a loan with XXXX XXXX on XXXX XXXX, 2019 for a loan payment of XXXX every month. I paid mostly through credit card via phone weeks before the loan was due typically the last day of the month ie if it was due on the XXXX I paid on the XXXX. Starting in XXXX they no longer took credit card payments and only would take checking. I called a called XXXX and put my checking account on file then I would go online and pay via the checking account. The problem was the representative put my account number in wrong. XXXX did not notify me of this problem and I paid for two months, I thought. I fact I suspected something wrong and talked to a representative who told me yes, in fact the payment went through. This week I got an alert via XXXX XXXX XXXX was not taking my payment in fact reported that I am delinquent not only charged me a fee but my credit has now been hit with its first ever missed payment. I called XXXX to fix the situation but the representative blamed me and later hung up on my call. Not only did XXXX make the process to pay harder but blamed me when I made payments in good faith.
Consumer complaint received 2018-07-10
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. (FL)

I called XXXX XXXX XXXX and they did not have the amount that is reported on my credit report for {$100.00}. I wanted to make a settlement and have it remove off of my credit report but they could not help me. The name they have is my maiden name which is XXXX XXXX.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I have 2 types of complaint - 1. US Bank 's Insurance Service Department has received a check issued me by my homeowners ' insurance carrier - water damage claim - and US Bank has been very unhelpful, slow, and somewhat secretive about how I can get them to release the money so I can pay the contractor. It now looks like they want the job to be 90 % complete and inspected by them before they release the first dollar. This is unfair, too restrictive, and very bad service. I'm XXXX years old and feel that maybe I'm being treated this way because of my age. 

2. I tried to pay extra principal to my mortgage account with US Bank today, and the website won't accept the money, and several US Bank representatives - I've talked to 3 - aren't able to explain why they won't accept my money. In my opinion, they are deliberately trying to discourage mortgage customers from paying early.
Consumer complaint received 2022-07-27
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. (VA)

In accordance with the FCRA XXXX Account, 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 an account without my written instructions. 

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Moreover, the account does not belong to me. This is willful disregard of the FCRA. 
A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. XXXX XXXX reporting guidelines state : Accounts reported in error must be deleted.
Consumer complaint received 2019-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

FedLoan is attempting to improperly capitalize interest on my loans, has made conflicting information requests (with which I complied), and misrepresented the status of my income-driven recertification process and whether the interest would be capitalized on my loans.  I submitted timely proper documentation for my income-driven repayment plan recertification. I submitted the documentation well before the date stated in the letter requesting it. In addition to my paycheck information, family size, recertification form, etc., the documentation included almost two months' worth of income (including XXXX XXXX) for my wife with a statement explaining she is paid on an irregular schedule when accepting delivery orders. She is a homemaker and watches our children, and only does the delivery orders from time to time. A month later, FedLoan requested additional documentation regarding my wife's income, including an average monthly income amount. I provided the requested information. On XXXX XXXX, as I hadn't heard any updates on the repayment plan processing, I called FedLoan and asked for an update.  FedLoan stated they were still processing. I asked whether FedLoan received my fax with the letter they requested and if they needed any more information. FedLoan confirmed they received my information and that I did not need to provide any more information. However, a few days later, on XXXX XXXX, I checked the online account, which showed an apparent interest capitalization dated XXXX. I called to demand the error be corrected. FedLoan then requested different information than they had previously requested. This time, FedLoan (confirming again they received the information I previously submitted) requested I include a certain phrase in a separate letter with only the income amount for my wife for XXXX XXXX. Again, I promptly provided the requested information (on XXXX XXXX). The FedLoan agent specifically represented that if I provided the requested information, the interest would NOT be capitalized on any of my loans.However, on XXXX XXXX, I received a letter from FedLoan showing the "Current Principal Balance" on each of my loans to include interest apparently from a purported capitalization.  On XXXX XXXX, I received a bill from FedLoan also showing false "Current Principal Balance" amounts for each of my loans.  The bill and letter show that FedLoan has still not corrected the interest capitalization error and resulting errors.  The balances shown for all of my loans (including principal and interest) are thus inaccurate.  This is a significant error which has caused damages. FedLoan's conduct constitutes unfair, deceptive, and abusive practices, among other violations.  I respectfully request that FedLoan immediately correct the interest capitalization error and all related resulting errors. Thank you.
Consumer complaint received 2023-03-28
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. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX : {$2400.00} ; XXXX XXXX  XXXX Balance : {$360.00} ; XXXX XXXX : {$2700.00} ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$4800.00}.