davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: STATE FARM BANK, FSB (NJ)

I received an auto loan from XXXX XXXX XXXX in XX/XX/XXXX. I made all payments in a timely manner. I was in a car accident in XX/XX/XXXX, in which the vehicle of was totaled out. My Insurance Company XXXX XXXX deemed my vehicle complete lost and paid vehicle off. StateFarm Bank contacted me in late XXXX indicating that I didn't have gap insurance/loan protection. I explained that gap insurance was included in my purchase and my vehicle was completely covered. Their were able to to locate my policy protection and close out my account. After closing my account out, they then put a 60 day late on my credit report. I contacted them immediately and they were able to correct the problem and fix my credit. On XX/XX/XXXX, I received a credit alert that I have an open account with XXXX XXXX and I was 30 days late. This caused a 65 point drop in my credit report. I contact with XXXX XXXX again and spoke with a Representative that was very rude and explain that my account was closed at one point, but is now open for not paying XXXX dollars. I gave the representative history on the account and he became more rude and stated my pass doesn't matter I need to pay what they have owed on computer. I explained this was total lost and paid by my insurance. I have made numerous attempts to fix the problem, but all attempts have yielded no success and rude customer service. They never notified me of a balance on the account and never notified me that were putting a negative on my credit report. They are in violation of the following : FCRA section 623 and 605 ( c ).
Consumer complaint received 2018-04-09
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. (NC)

We are attaching a copy of the letter my husband and I sent to Equifax on XX/XX/XXXX. They are supposed to respond within 30 days, but its been over 2 months and we haven't received a response yet.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2018-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield and Associates began contacting around mid year of XX/XX/XXXX in regards to a medical debt originally from XXXX XXXX Hospital. I informed the company at the time that the debt had been paid directly through XXXX XXXX Hospital. I informed Wakefield and Associates that the amount that they had was also the incorrect amount. I then contacted XXXX XXXX who stated that the debt should take care of itself since I did pay it directly through XXXX XXXX. Since then Wakefield and Assoc. have been increasing the debt by {$1.00} every so often. I have contacted them again and asked for them to remove the debt as it has been paid. I have a receipt that requested from XXXX XXXX as proof that the payment was made on XX/XX/XXXX. XXXX XXXX billing even stated that this company should not be collecting on this debt.
Consumer complaint received 2019-04-11
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)

few accounts are reporting inaccurately and fraudulently under my XXXX and trasnunion and XXXX   credit reporting agencies. 
i have been disputing these fraud account ( XXXX  XXXX XXXX, XXXX and XXXX .... ) please you are my only hope to show bureaus these are inaccurate, not mine, i will be attaching my police report and FTC report filed, i had been providing these documents to all three bureaus, these were removed then put back again. 
please have three bureaus remove this inaccuracies. 
thank you
Consumer complaint received 2019-04-11
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: DISCOVER BANK (GA)

I have been a victim of identity theft back in XX/XX/2010, and someone opened a Discover Bank Account in my name fraudulently. I have disputed this account with XXXX numerous of times and they still have not blocked/removed this account from my credit report. They did one time in XX/XX/2018 but reappeared back on my XXXX credit file in XX/XX/2019. I am very upset because XXXX   is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, Discover Bank keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with XXXX because they are not taking this matter serious, and it is affecting my credit score rating with XXXX, which is hindering me from obtain credit with favorable interest rate. Please have XXXX to remove/block the Discover Bank ( Charged-Off ) account ending in XXXX from my XXXX   credit file.
Consumer complaint received 2019-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP (IA)

I entered into a payment plan thru XXXX County 's third party debt collector, Linebarger Gaggon Blair and Sampson to get my driver 's license reinstated. I made my 1st payment on the agreement and the clerk of court sent notice to Iowa DOT that suspension should be lifted, but it never was. I attempted to contact the clerk of court and Iowa DOT to resolve this matter but kept getting shuffled between the two. The judge and Sheriff XXXX XXXX were also trying to see why suspension was still in affect and that DOT hadn't removed my suspension. The same happened to them, clerk of court said to contact DOT and DOT said to contact clerk of court. I am very frustrated as I desperately need my license in order to be able to travel for work. I hope you are able to help or point me in the direction I should go next.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (GA)

someone opened credit accounts with my identity and got a car loan as well BARCLAYS BANK DELAWARE XXXX {$8600.00} XXXX XXXX XXXX XXXXXXXX {$29000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX
Consumer complaint received 2019-04-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

On Wednesday XX/XX/XXXX i applied online to One Main financial for a personal loan and was approved for an unsecured loan for the amount of {$17000.00} providing, according to the approval message received on the site, i would furnish proof of identity and could verify my income.I then was directed to go into my nearest One Main Financial office to furnish said proof. I was again told that if i provided the required info my loan was approved. I had my XXXX tax return and 1099s from XXXX. I was informed that they needed my XXXX tax returns as well. I then asked for an explanation of why they needed my tax returns as i had just financed 2 brand new vehicles with only my 1099 and a statement from the folks who issued my 1099. I asked to see the policy or have it explained that states this request and my request was refused. I then asked, " so the only way i can get this loan is to show my XXXX tax return? ". The branch manager XXXX said yes. I then informed her i didn't have it completed and would need time to prepare it. I then informed her that since she would not provide me with the policy they have concerning my tax info that i was contacting the executive office to get clarification.Executive office explained in detail and informed me to go back to the One Main branch i applied at to finish up my loan. On Thursday XX/XX/XXXX i went back in with my completed tax forms and was then told my application was deleted and now i needed to reapply. They then ran my application again and i was denied because of too many inquiries. Costing me not only the loan i was already approved for but hurting my credit unnecessarily. When i asked why they did this to me and deleted my initial approved app, XXXX stated that, i assumed you didn't want the loan anymore even though i never stated that and was actually only looking for clarification and for my completed tax return which i had my accountant working on in that week.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MO)

We contacted Quicken Loans Inc. for a cash out conventional refinance. After discussing rates, terms of the loan, etc. we signed a deposit agreement that states, " If your application is denied of withdrawn, for any reason, we will refund your deposit minus the actual cost of your appraisal and credit report. '' We paid our deposit of {$500.00} with a debit card. 

Quicken sent an appraiser out and the appraisal we received was factually incorrect ( acreage, structures on the property, rooms in the home, and square footage ). We were prepared to contend the appraisal and report the appraiser to the XXXX XXXX XXXX XXXX in Missouri. We requested another appraisal or a refund. Quicken denied our request to send another appraiser and denied our request for a partial refund.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX
Consumer complaint received 2019-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (PA)

It is near to impossible to contact this company. When I call I am on hold upwards of an hour before I can even talk to a human being. They do not respond to my messages, nor do they return calls. This has caused issues with additional fees being assessed. Right now I have an issue that needs to be respond. My payment was not applied correctly this will cause me to miss a mortgage payment. I need attention, XXXX knows I am paying for it.
Consumer complaint received 2019-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (UT)

I was dealing with equitable acceptance with a repayment plan for my student loans. Come to find out, there have been no qualifying payment made to my loans. I had been told that I was involved in the student loan forgiveness plan, yet none of my payments were being credited to my student loans. Im not sure what this company was providing me? Why were they taking my money and I was getting nothing in return??
Consumer complaint received 2019-04-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NC)

On XXXX the XXXX 2019 I filed a complaint with the XXXX   XXXX XXXX because I recently became activated to XXXX XXXX but because I was not overseas and I am XXXX XXXX. They denied my XXXX, and now I am left with a XXXX plus payment that can not afford it at the moment. While waiting on them to approve my request the interest was steady building. They sent me a letter stating that they will not honor my XXXX for XXXX because it is in the United States. I will not be on these orders forever. Once I complete these orders, I will be back unemployed and won't be able to make my payments. I have attached all documents as proof.
Consumer complaint received 2021-02-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NY)

NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX The original creditor XXXX  XXXX, sold the debt to a collection agency named National Credit Adjusters, at the statute date of limitations which is 6 years in the state of Tennessee on or before XX/XX/XXXX to collect a closed debt on a resident of New York state. 

Payday loans are illegal in New York State. It is a violation of New York State law to make payday loans in-person, by telephone, or over the Internet. It is also illegal for a debt collector to collect, or attempt to collect, on a payday loan from a resident of New York State. 

According to fair credit reporting practices, a debt collection agency can not report an active balance owed with missed payments on an account that is closed or charged off as open and delinquent. 

National Credit Adjusters has flagged my account as Collections on XX/XX/XXXX Balance {$460.00} Original Creditor XXXX XXXX Opened XX/XX/XXXX Account Status Open Account Date Closed Date of First Delinquency XX/XX/XXXX Under the Fair Debt Collection Practices Act ( FDCPA ). I requested a debt validation, in writing to National Credit Adjusters in XXXX of XXXX and asked to be provided with : Documentation that I owed the debt at some point, such as a contract signed with my valid signature. 

Documentation of any payments made with dates including month and year and the last outstanding action on the debt. 

Documentation regarding the statute of limitations for collection of such a debt in the state of Tennessee after the statute of limitations has passed and account closed. 

Documentation regarding what authority the collections agency has, such as a license in my state of New York to collect a debt as it is classified as a predatory attempt at debt collection which is illegal in New York State as attempting to collect the debt itself from a resident of New York State for a loan which classified as predatory and is illegal in the State of New York. 

National Credit Adjusters replied stating only that the loan was taken out in Tennessee and not New York. Provided none of the documentation requested. Had no legal right to collect such a debt and removed it lawfully from my credit report as requested in XXXX. 

However National Credit Adjusters has flagged my account again for the same debt as Collections on XX/XX/XXXX Balance {$460.00} Original Creditor XXXX  XXXX  Opened XX/XX/XXXX Account Status Open Account Date Closed Date of First Delinquency XX/XX/XXXX Payment Delinquency 24 Months
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 168 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

Hello, Im XXXX XXXX I have noticed my credit score has recently dropped to my surprise as Ive been making monthly payment online and havent been late in a while. I then dove deeper through XXXX XXXX   and found that I have 3 hard inquiries on my XXXX XXXX report. One of which I take full responsibility for which is for XXXX XXXX. The other 2 are for syncB and XXXX XXXX neither of which are from me and I would like to dispute these inquiries as they are tarnishing my reputation and credit history and wrongfully doing so
Consumer complaint received 2019-04-11
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. (MA)

I finally got to look at my Experian credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with Experian so i called Experian and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX   XXXX  Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX  XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX   XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX   Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX USA Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-08
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. (NC)

LETTER OF DISPUTE AND AFFIDAVIT ATTACHED PLEASE SEE BELOW EQUIFAX HAS REFUSED TO COMPLY TO MY DEMANDS EVEN WITH MY WRITTEN DEMANDS AT HAND. I HAVE ALSO PROVIDED EVIDENCE OF THE OTHER AGENCIES REMOVING THE SAME INFORMATIONS THAT EQUIFAX HAS REFUSED TO REMOVE FROM MY CONSUMER REPORT. PLEASE SEE BELOW.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have 4 cards with capital one. I spoke with them multiple times about the XXXX hardship i have been experiencing. I asked them about a hardship program to help pay down my balances. The interest rates they charge me are so high. They were unwilling to help me. I closed all the cards yesterday.