davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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. (TX)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$150.00} ; XXXX  XXXX XXXX Balance {$430.00} ; XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$180.00} ; XXXX XXXX XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (GA)

on XX/XX/2021, i sent a letter to CARTER YOUNG, INC about a alleged debt of XXXX that i don't owe.i sent it off usps certified mail w/tracking XXXX XXXX XXXX XXXX XXXX and it was delivered on XX/XX/2021. i have not heard from them concerning the documentation that i requested.
Consumer complaint received 2021-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OH)

PHOENIX FINANCIAL SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX has been sending me collection notices in the amount of {$1400.00} the collection has been reported past due balance. I do not know this company and I have Never done any business with this company. This company does not have a contract with my signature on it!
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MT)

AmeriSave I applied for a loan to refinance my home on XX/XX/2021. The initial conversations were great. Once I completed my initial upload of documents, things became extremely difficult. I did not receive any communication for a month. Once I did hear back, it was with a closing document with a floating rate. I was told initially we were locking in my rate at 3 % around XX/XX/XXXX. The loan processor stated " I am sure they are looking out for your best interest in getting you the best rate possible. ". This did not happen as my rate was increased immediately after that email. 

I went over a month sending constant emails and calling trying to clarify what was happening with my loan. I received no responses after daily emails and weekly voicemails. When I asked my loan processor to give me contact information for a supervisor to clarify documents and processes, he openly refused stating that he would never give me that information. 

After finally closing my loan I was told that my pay offs did not go through because my current back did not accept wire transfers and my pay offs would be late. 

I believe this company should be researched for fraud based on the behavior I saw while trying to complete my loan.
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I was victim of data breach that resulted in charges. Contacted original debitor, XXXX XXXX, explained and sent information to them. They continued to try and collect. XXXX sold debt to portfolio recovery. I advised them of issue. They called my XXXX year old daughter and told her I would be arrested if I didn't call or pay. Called my sister in law as well. Now they have filed a civil summons for XX/XX/2019.
Consumer complaint received 2019-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (OH)

On XX/XX/XXXX, I was advised by XXXX XXXX and the VA , that I  had to payoff the loan that I had through XXXX XXXX XXXX in order for the loan to go through. I contacted Avant to get payoff on Friday, XX/XX/XXXX and they gave me the amount of {$3600.00}. At that time I advised the authorized to draw the funds from my bank account. Little did I know at the time, they only drew out {$3500.00}, which was short one payment off {$140.00}. On XX/XX/XXXX, they contacted me and advised that I was late on my payment. I contacted them to advised that I had payed the loan off. They in turn said that I had not. We have gone back and fourth and they still claim that I still owe them. They have already contacted the three credit bureaus and left me with a low credit score. I contacted the Attorney General of the State of Ohio, and they advised that it was a predatory loan, but could not do anything because they need more complains in order to file.
Consumer complaint received 2023-04-01
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. (TN)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2022-08-16
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX  XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX XXXX XXXX : {$470.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX : {$760.00} XXXX - XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$470.00XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX  XXXX : {$800.00}
Consumer complaint received 2021-04-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit Financial Corp. (FL)

Summit Finiancial is a NONE DEBT REPORTING AGENCY, as listed with the government. They are NOT suppose to be reporting on my credit report. Two of the credit bureau have removed them from my report for that reason. XXXX has refused to do so which is causing my score to be lowered. I HAVE SINCE PAID THIS DEBT OFF WITH THE XXXX XXXX COMPANY, XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, ( XXXX ) XXXX, and Summit STILL will not remove the debt from XXXX. This Attorney even said Summit isn't suppose to report debt, and he can't remove it for me.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

XXXX XXXX XXXX had been sending fraud damages claim on tenant and not fixing it ... Collection Bureau of Fort Walton Beach keeping saying they are third party .They are not investigating the situation before ruining somebody credits..owner of this company know them for 30 years and they trust them..They been frauding for 30 years. One bedroom one bath they say I owe almost {$9000.00}
Consumer complaint received 2019-01-30
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: EQUIFAX, INC. (NJ)

Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from XXXX, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX/XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I have numerous XXXX XXXX accounts reporting on my consumer report. These accounts are hurting my credit score and are not equitable to me as a consumer. I need them deleted from credit file immediately as I have not granted credit reporting agencies consent to furnish these accounts on my report. As a consumer have a right to privacy pursuant to the Fair Credit Reporting act 15 U.S.C 1681b : any consumer reporting agency may furnish a report under the following circumstances and no other. 

1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

2. In accordance with the written instruction of the consumer to whom it relates.

I the consumer have not given any written instruction to any consumer reporting agency to furnish a report. Especially one that is not equitable to me. Therefore the items attached to this complaint need to be removed from my consumer report immediately.
Consumer complaint received 2023-04-01
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. (SC)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2022-08-16
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)

I have never authorized anyone to make enquiries on my behalf, nor have I done it myself. From XX/XX/XXXX, until XX/XX/XXXX, I sent letters with entire attachments of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorised inquiries should be immediately removed : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-08-16
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. (MI)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX ) XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-08-16
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 — Problem with personal statement of dispute
Company: EdFinancial Services (NY)

In sum and substance, in XXXX to XXXX I attended XXXX XXXX, XXXX XXXX, then XXXX XXXX, the most affordable state schools I could afford under a single parent household. In and around XXXX I paid off my XXXX XXXX XXXX because I had only taken a small loan. But I did not notice that After paying the loan off completely, I incurred a interest for the prior month that totaled {$4.00}. The XXXXXXXX XXXX XXXX system continued to to charge interest on that {$4.00} amount. In XXXX I randomly logged into the student loan portal and noticed the balance of {$27.00} which I immediately paid. As of this date, when I log into XXXX, XXXX, and XXXX they list a total of 4 to 5 Derogatory XXXX XXXX loan accounts, each listing a repeated late payment and derogatory in bright yellow. It's also noted on the credit reports that my student loan information negatively effects my credit. I contacted the federal student loans administration, and was denied a full payment history for my loans, I was only provided with a letter stating my loan is paid off, and the payment history from XXXX when I paid off the {$27.00}. In addition the credit buraus list multiple federal student loans when I only had one account. I have contacted XXXX, XXXX, and XXXX in writing about this in fair and negative information
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne offers a referral program, where if you provide a referral link to a friend, and they are successfully able to open up a credit card with Capital One, the referer is awarded {$100.00}. 
In XX/XX/2022, I referred a friend, XXXX XXXX, to open up a CapitalOne Quicksilver card via a personal referral link generated by CapitalOne. However, I never received the stated bonus. 
In early XX/XX/2022, I tried calling CapitalOne customer service about this issue to obtain more information, but they simply told me to wait. It has been another 2 weeks and it has been nearly 60 days since XXXX XXXX XXXXXXXX opened the credit card, yet I still have not received a bonus.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Equifax responded XX/XX/XXXX to my CFPB complaint XXXX, that the disputed accounts are verified via the creditors. Thats a violation of section 603 ( e ) to have on my credit record any factual information that came directly from the creditor. Equifax also violated FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) for not sending a notice that I can request a description of methods & procedures used to determine accuracy. I am now requesting specific description of reinvestigation procedures used to determine the accuracy and completeness of the information given. Per section 611 ( a ) ( 7 ) within 15 days of this notice to provide those descriptions of methods and procedures. As Equifax has a responsibility to go above the original source ( the creditors ) of the information to conduct a reasonable reinvestigation under 1681 ( i ) ( a ) and do a independent investigation into my dispute which they failed to do. see : Cushman V. Transunion 115 F.3d 220 ( 3d Cir. XXXX  ). Only the consumer can verify any debt.
Consumer complaint received 2019-01-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (OR)

This complaint is against IQ Data International.

I called a week ago to settle an old debt and was immediately met with abusive language and tactics. I offered them several amounts to settle this debt and not one was agreed upon. For some reason they feel the need to be unreasonable and rude. I find this very odd since I was attempting to settle a debt on my own accord. I do realize they work on commission however. 

Since we could not come to an agreement on a settlement amount, the call was terminated. 

I called back several days later and attempted again to settle this debt and was met with even worse tactics and suggestive language. All of were very low class. I upped my offer amount to close to the full amount that was originally owed and still they would not accept. So once again the call was terminated. 

Today they called my work screaming at me and demanding payment in full or else they would report that I was absconding from my debt to the authorities. 

I called several hours later to report this abusive behavior. I was escalated to a manager at IQ Data International. I repeated to them again that they were to have no contact with me accept through mail and not to call me in any way shape or form. Of course they had no record of the call and demanded my work number. I told them I was not comfortable giving them the work number and she started yelling at me that she couldn't help me then!

You could hear the boiler room in the background and everyone was yelling and clapping with all the debt they had collected that day. You could hear {$21000.00}!!!!! Good Job!

Needles to say she hung up and there was no resolution to my complaint. This is kind of a Fox watching the Hen house situation.
Consumer complaint received 2020-06-05
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: ADIR INTERNATIONAL LLC (NV)

a couple of months ago, i was in the market for a new bed, and curacao gave me a credit limit increase so i could purchase it from them. i have made every payment as agreed, to them as well as to my other creditors. curacao just recently decreased my credit limit to its original XXXX, causing my credit score to be affected. i never received a letter with a reason for the decrease in my credit limit. i would like them to explain why they decided to hurt my credit score.
Consumer complaint received 2018-02-28
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)

After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to XXXX/Experian/XXXX ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.
Consumer complaint received 2015-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Bureau of Traverse City, Inc.(Closed) (MI)

i used to own a piece of propriety that has a assocation fee which was due way before i filed for chapter XXXX bankrupcy in 2011 they are still trying to collect even though it was discharged