davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for a student loan in XX/XX/XXXX/XX/XX/XXXX totaling more the {$16000.00}. Since then I've lost my job got married moved away and divorce. After losing my job I was unable to pay my student loans or bills. I did however, called the student loan department and file for deferment and forbearance until I was able to resolve my personal situation. It was until XX/XX/XXXX I was able to consolidate all my XXXX XXXX and make one payment. Transunion Reporting Agency is still reporting my XX/XX/XXXX/XX/XX/XXXX XXXX XXXX as delinquent. I've called the reporting agency ( Transunion ) to dispute the the closed and consolidated accounts and to them remove form my report and there response was to send in a consolidated later form XXXX XXXX XXXX and then the old account can be removed. I faxed over the latter and still not removed, I've called and ask why are the old account still reportingand there response was you have to get in writing from XXXX XXXX XXXX another letter stating, REMOVE FROM REPORT! This has been going on for several months. Back /fourth I called Transunion agency yet again and ask for the removal and there response was the accounts can not be removed for another 7-8 years from  delinquent reported date! That means the old account will have been on my report reporting negatively for more then 18 yrs. HELP!!!
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This was a {$600.00} loan with a XXXXmonth term. I was wrongfully terminated and fell behind on everything. I've wanted to take care of this but XXXX years later they are still reporting random balance increases yet charged off the account. The balance they're reporting is entirely made up. It doesn't reflect interest owed or even my loan with them. They refuse to remove it after XXXX disputes with credit bureau. I've called and the lady refuses to give me the manager and they don't call back. I can't move my family into an apartment and been denied jobs.
Consumer complaint received 2021-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (PA)

I had a debt of {$94.00}?? to XXXX. When I went to get XXXX work done, they asked for that payment. I paid. 

XXXX insisted that I owed them and to pay them. 

When I checked my credit report Radius Global was on it. I have no contractual obligation with them, I owe no money to them and I received no mail from them or phone call. 

After I paid XXXX as they asked me, I got a notification from Radius stating that I paid after the chargeoff. 

I am not going away and will file a lawsuit later today. 

I never recieved mail or phone calls from them. I had no idea who they were until they reported on my report.
Consumer complaint received 2022-08-26
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. (MO)

This is my 3rd CFPB complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I complain to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Under the provisions of the FCRA section 605b, I need the following item deleted as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-07-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (ID)

In XXXX of 2020, we were given the approval for a loan modification on our Mortgage. Our new loan/modified loan was set to begin XX/XX/2020. I made our payment for XX/XX/2020 in XXXX as soon as our modification was approved, and planned on paying our mortgage from XX/XX/XXXX onward with no issues. Our company then notified me that our loan was going to be transferred to a new servicer as of XX/XX/2020. On XX/XX/2020, I contacted my new servicer, PHH Mortgage to make my payment. They stated that I was behind all the way back to XX/XX/2020. They had no record of my modification or that it had been completed. They said they could research it and I send them my completed and recorded modification twice over the next couple of months. They would not allow me to make my payment unless I had enough money to make approximately 5 payments due to them Showing that I was behind that far. I didnt have XXXX $ to make this many payments so they would not take my payment until it was either resolved and showing that it was modified or else if I had the entire amount. I have called and spoken with this company 1-2 times per week since the beginning of this transfer and they still have not shown or updated that my loan was modified right before being transferred to them. I have provided proof and have been following up non stop. This has caused my husband and I to just decide to sell our home while we still can because this has been so XXXX. I have not been able to sleep or eat and it has caused XXXX XXXX due to XXXX. I have been very patient and very diligent trying to get this resolved. I am extremely worried this will affect my credit for a long time to come and I feel it is absolutely unfair.
Consumer complaint received 2022-06-16
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: Atlanticus Services Corporation (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I. C. System Inc. 
XXXX XXXX XXXX XXXX XXXX, Mn XXXX RE : Your Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fl. XXXX XXXX I XXXX XXXX Creditor to IC System Inc./Debt Collector Stop communicating with me regarding the above-referenced account. I refuse to pay this alleged debt. I don't know IC System. I never had any contracts/master purchase/ bill of sale/ assignment/terms and conditions/promissory note/ no bindings to pay any debts to/with IC System. I do not owe IC System any debts or fees. If IC System is buying paper in an attempt to collect debts from consumers without any written contracts/agreements I have no part in that. Cease all communication with me, my family, my friends, and all Consumer Reporting Agencies as soon as possible. Otherwise, I will consider this aggregated Identify Theft as I never gave my written permission for your agency to have my personal information nor to contact me or publish anything about me.
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

I used PayPal to receive money for a sporting good accessory through my business account and received payment on XX/XX/XXXX for {$690.00}. On XX/XX/XXXX the transaction settled and PayPal transaction fee was taken out with a net amount of {$670.00} being available for me to withdrawal. 

When withdrawing the {$670.00} on XX/XX/XXXX, PayPal asked for more information about the transaction. I shared what was asked and on XX/XX/XXXX was informed I could not longer do business with PayPal. PayPal cited : " After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. XXXX As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. '' PayPal said they would hold my money for 180 days at which point they would work with me to make the money available. That did not happen and on XX/XX/XXXX, PayPal took the {$670.00} citing " PayPal 's damages caused by Acceptable Use Policy violation ;. '' I would like my {$670.00} back as that transaction did not violate any
Consumer complaint received 2022-07-22
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C1681 section 602A. 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.C166b A Creditor MAY not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-12-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I received a phone call today from a XXXXXXXX XXXX XXXX company XXXX XXXX ) stating I had a lawsuit against me from Ace Cash Express and the hearing would be at SD Court. Case number is XXXX. The man I spoke to said I would have my wages garnished. I am not working at this time due to Covid. I can not pay this loan and the amount ordered is over XXXX. I never received that much of a loan, ever.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

AS OF XX/XX/XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX IS FALSELY REPORTING LATE PAYMENTS ON MY EQUIFAX CREDIT REPORT. XXXX IS REPORTING TO EQUIFAX THAT I WAS LATE PAYING THEM 120 DAYS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I HAVE NEVER MADE ANY PAYMENTS OR HAD ANY FINANCIAL OBLIGATION TO THIS COMPANY. I HAVE BEEN DISPUTING THIS ACCOUNT WITH EQUIFAX FOR SOME TIME AND NO PROGRESS HAS BEEN MADE. DUE TO THESE INCORRECT LATE PAYMENTS, I HAVE BEEN DENIED CREDIT DUE TO THIS ERROR REPORTED BY XXXX. IN ADDITION, I WAS NEVER GIVEN THE RIGHT TO DISPUTE THIS ACCOUNT BEFORE IT ENDED UP ON MY CREDIT REPORT. XXXX HAS VIOLATED FCRA 15 U.S. CODE 1692e ( 10 ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

I'm in the process of refinancing a home. I was overdue on one of my credit cards for the month of XXXX, where the credit card was over 30 days late. I brought the account current prior to the credit card company reporting the information to the credit bureau as late. 

I was told by a customer service representative that if I pay for it before it reports then it would not show on the credit report, and this was the case. Since I'm in the process of purchasing a home I've been a hawk about monitoring my credit report. For the month of XX/XX/XXXXthe credit reporting agency reported that my account with the credit card was current for the month of XXXX. 

However, in the month of XXXX the credit card company changed the information that was reported for the month of XXXX. My issue is that in the month of XXXX I began the refinance process and had a clean credit report. So I paid for an appraisal ( {$500.00} ) and to transfer the title of the property that I'm refinancing approximately ( {$1000.00} ). 

As the refinance process came to a close they bank is no longer willing to refinance the home due to the one late payment being reported by the credit card company ( see attachment ). 

My complaint is the fact the credit card company retrospectively updated the information, and if they never retrospectively updated the information I would not be out {$1500.00}. 

Additionally, I was proactive in reaching out to the credit card company detailing the issue on two occasions to no prevail ( see attached letters sent ).
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capitol One is now blatantly DEFYING the CARES Act ammendment to the Fair Credit Reporting Act by refusing to amend customers payment histories from previously past due to current for those effected by COVID 19. 

" If the account was delinquent prior to making the accommodation : continue to report the account as delinquent. However, if the consumer brings the account current during the period of the accommodation, report the account is current. '' This now falls squarely under the definition of willful noncompliance ( section 1681n ) or negligent noncompliance ( section 1681o ) with the FCRAs obligations. 

Capitol One is refusing to update my account history from " past due '' to " current '' for 6 mos of 2020 XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX as a result of COVID 19.
Consumer complaint received 2020-09-10
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: EQUIFAX, INC. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

On XX/XX/XXXX I took out a loan with Credit Acceptance for XXXX XXXX  XXXX from XXXX XXXX of XXXXi couldn't afford the exorbinate extra fees on the loan and voluntary surrendered the car back to Credit Acceptance and on XX/XX/XXXX they garnished my wages at 25 % effective immediately for {$7900.00}. And tackin on {$3000.00} in fees. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Ohio XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint Against Capital One for Failure to Respond to Debt Validation Letter.

Dear Sir/Madam, I am writing to file a formal complaint against Capital One for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, Capital One has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided Capital One with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, Capital One has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Capital One fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The creditor is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation. 


Please find enclosed a copy of my original debt validation letter sent to Capital One for your reference. 

Thank you for your attention to this matter.
Consumer complaint received 2018-04-25
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. (GA)

I am a victim of identity theft and I have contact the collection agencies and the credit reporting bureaus several times in hope of resolving this matter and correcting my credit report, but Equifax continue to violate the FCRA by reporting erroneous information in my credit report. The erroneous information comes from a XXXX XXXX XXXX for {$75.00} and XXXX XXXX for {$780.00}.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian is reporting that I filed a bankruptcy on XX/XX/XXXX for {$0.00}. I sent a dispute letter directly to Experian that I had not filed a bankruptcy for {$0.00} and the information they are reporting is wrong. I also sent a letter directly to the bankruptcy clerk to ask if they verify any information with the credit bureaus. The bankruptcy clerk stated they do not verify any information with credit bureaus. After Experian investigated, they stated the information was reporting correctly and would remain on my credit report until XX/XX/XXXX. I would have no need to file a bankruptcy for {$0.00} that makes absolutely no sense. Experian also would not provide the name of the company that they verified my bankruptcy with so I have the opportunity to dispute directly with that company. This is a direct violation of the FCRA and these credit bureaus are allowed to continue these illegal practices and tactics.
Consumer complaint received 2018-05-01
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)

Upon looking at my account i noticed that I have over 13 inquires on my report that dot belong to me. I have sent certified letters to the companies, as well as disputed them through TransUnion directly ad they have yet to be removed. These inquires are fraudulent and should be removed asap. I have even places a fraud alert on my credit file to prevent this from happening. please see the list of fraudulent inquires below.
Consumer complaint received 2022-06-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have filled for an investigation with all XXXX credit bureaus to be looked at my credit report for accounts XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. These account were open without my authorization. I have sent a letter about 3 months ago requesting information and received nothing and just sent another letter out on XX/XX/2022 and have still not received. By law the XXXX credit bureau must respond in a reasonable time " 30 days ''. I need to have these accounts taken off my report ASAP as they were not authorized by me to be opened and used. it has affected my credit score with the late payments.