davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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. (NE)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2023-03-20
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO Bank, N.A. (IA)

The bank is making it nearly impossible to pay my auto loan. I have called almost 100 times and still can not get through to make a payment. My mother waited on the phone for an hour and got through to someone only to find out that they charge {$15.00} for making a payment over the phone. I need online access to make charge free payments and they will not grant it to me. I have charges that I do not understand and need to be explained except I can not reach anyone to do so.
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XXXX/XXXX/2016 to XXXX/XXXX/2016, I was a victim of fraud for my capital one credit card. In lieu of this, capital one cancelled my credit card. I had a good standing for my credit card, making payments on time and trying to rebuild my credit. Someone opened up another card and I was not notified. I do n't think capital one asked for my information before letting this fraud occur. How can someone just call and open up an account by saying I moved and my card was stolen without capital one calling my phone to make sure it was me? I am devastated about this. And how can they just rip my credit card from my life because of fraud? They gave me a new number for a new card and made up a secret code and question to be answered before anyone can get information yet, still took my credit away from me. I did nothing wrong at all. I do n't understand why I cant have my card.
Consumer complaint received 2023-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (SC)

Midland Mortgage bought my loan from my first lender in 2022. The first lender provided all documentation, including a partial claim created due to the COVID relief period. They did not follow up or create an account with the USDA department regarding this partial claim. Even though they were given the information, their irresponsibility made a legal loop cashing the title of my house to have a partial share and no account on the USDA department about that partial claim they received. They have not provided any solution, assistance, help, guidance, or way to solve this matter. They are unwilling to help me do any of the steps mentioned before. Their customer service is rude, lies, and does not understand the legality of the case, but they avoid the calls, and when they respond, they argue with me as a customer instead of helping me to create this case! This has affected my ability to sell the property and has made derived costs for the seller and buyer in my case. They are wholly irresponsible and deceive me as a customer into following their unreasonable customer service.
Consumer complaint received 2020-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (KY)

While residing in XXXX Il at XXXX XXXX XXXX a Credit card was opened in my name by XXXX XXXX. 
Ms. XXXX was dating my uncle which lived in the apartment below. She had access to my apartment because my uncle watched my kids at night while I worked. She would enter the upstairs apartment and use my personal computer. Which was not an issue as I thought she could be trusted. However, the moment I moved from XXXX in 2014. I started receiving mail in a different state, Informing me that I was late on payments for a XXXX XXXX credit card. I NEVER OPENED THAT ACCOUNT. Payments apparently fell behind when she no longer had access to my personal information. I moved from XXXX XX/XX/2014 and was alerted to the information by the summer of 2014. I HAVE MAINTAINED ONE CREDIT CARD AND ITS BEEN A XXXX XXXX CARD. I have ALSO made several attempts asking that she make this right/ after she admitted that she had opened the account. She begged and pleaded that I not go to the authorities. After she made no attempts to make payments. I contacted the authorities and was told I need her confession. She has also been arrested for fraudulently opening an credit in My uncle name as well. I REPEAT I DID NOT OPEN THAT ACCOUNT. 
PLEASE SEE THE VIDEO ATTACHMENT BELOW OF HER BEING ARRESTED AND ESCORTED OUT OF OUR APARTMENT BUILDING. 

https : XXXX
Consumer complaint received 2019-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (TN)

To whom this may concern On or about XX/XX/2019 I XXXX XXXX XXXX called American First Finance and request all auto debits be stopped as I had fraud on my XXXX XXXX XXXX XXXX ( XXXX ) account and needed to close the account. On or about XX/XX/2019 American first Finance attempted to debit a payment causing NSF charge as well as XXXX believed my account was still opened and active delaying the time it took to close the account. On XX/XX/2019 I called American first to request I letter stated that I had previously requested the auto debits to stop. At that time the customer service rep denied the request suggesting an account credit to which I denied. I then request a manager since I was only asking for a letter. The manager also denied the request. At that time, I requested the manger to set a time to retrieve the security interest as stated in Sec 8 and 11 ( 4 ) on my signed contract, to which the manager rejected the request. 
As such this absolve me of any liability
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX had contacted my husband who is not on my account nor have I given them my husbands infomarmation at all. They had left him a message with my information and threatening message. This had caused a lot of problems between me and my spouse. I contacted them and they did nothing about it.
Consumer complaint received 2023-03-20
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

My lease was up the end of XX/XX/2022. I moved and left the apartment spotless. It was impossible to get holt of the new management company. Two phone numbers and they say " NOT SET UP FOR VOICEMAIL. " When I left without a walk through because I couldn't reach them, I gave my keys to the old maitance man. We were tired of getting eaten up by bedbugs and I was tired of maintaining the property. Mowing, cleaning the pool, cleaning the laundry room. Everything that broke I paid for and fixed. Last summer my AC went out, they brought me a small AC. For 1 month I tried to reach them because it was XXXX and XXXX degrees all day in the apartment. I finally called code enforcement, she came out and the next day I got the correct AC unit. I also went to the office but Noone was ever there. So 2 days ago I get a letter from Rent Recovery saying g I owe {$750.00} They said they will turn it into the credit agencies. She said it was for damages and no walk through. I told her why am I just hearing about this now? I have been waiting for my deposit to be returned. I feel they owe me money, there a joke as a management company.
Consumer complaint received 2023-03-20
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. (CA)

When I reviewed my credit report, I discovered that the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX {$400000.00}
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently found out about this problem with Midland Funding. i am very upset about this due to the fact that I was never served any legal paperwork, and due to this poor service they have a default judgement against me. I have been losing sleep over this problem, as they are wanting to steal {$12000.00} from me. I remember this XXXX XXXX debt was less than {$5000.00}, and the problem was XXXX  XXXX  tried to debit my account for {$11000.00} instead of {$1100.00} dollars that was agreed upon. When this happened my bank called me and informed me of this, so XXXX XXXX was blocked from withdrawing from my account. This caused me many problems. I have been trying to work with midland  but they are not very nice people, they are difficult to work with, aggressive and not cooperative. If I had money to hire an attorney to file a motion to vacate the judgement because I was never served, I would do just that. unfortunately the justice system is broken and since I have no monies, I can't obtain justice.
Consumer complaint received 2015-07-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Due to a business failure, I had to file bankruptcy recently. I have an auto loan with USAA Bank that I am trying to do the right thing with and pay the loan as agreed upon and also so that I can keep the car. Being able to check my balance and pay the payments due online is something that I feel that I should be able to do but USAA has informed me that, because I filed bankruptcy, I am no longer entitled to have accounts with USAA or to have online access to my accounts and that any time I want to check my balance and/or make a payment I have to call them for that information which, depending on call volume can be a huge inconvenience. I feel as though USAA is punishing me for filing bankruptcy even though I am attempting to make good on the loan that I have with them. I complained about this to them to no avail and the treatment I received during that process seems to indicate a culture issue at USAA regarding people that have filed bankruptcy. I also know of someone who had car insurance with them and they XXXX his premiums for the sole reason that he filed bankruptcy. 

I understand that banks are prohibited from attempting to collect on debts that are involved in a bankruptcy but, once the bankruptcy has been discharged and the customer is making payments as he/she should be, I do n't think that it 's right that they should make life difficult for that person by denying them online access as well as the opening of future accounts.
Consumer complaint received 2020-02-17
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: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DSNB MACYS XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. ()

On XX/XX/XXXX I contacted Equifax about identity theft that had accured to me. The guy on the phone said nothing could be done until I received their credit report and that I had to wait 5-10 business days to get it in the mail before they could do anything. This was after being on hold for over an hour and wasting my time. 

Fast forward to XX/XX/XXXX and having not received nothing from Equifax I called again and was put on hold yet another 30-45 mins and the lady by the name of XXXX couldnt understand a word I said her XXXX was terrible and she kept blaiming the phone connection another waste of an hour as she couldnt understand a thing. I phoned back yet again to get XXXX this time after yet another hour of my time only to be told I had the wrong department even tho their website told me this was where I was to go He would not help me at all kept telling me to call again and sit on hold. I asked to talk to his supervisor and he said sure but no guarantees how long I would be on hold for as I wanted a direct line and refused to sit on hold for hours more and waste more time. Nobody answered the phone I sat on hold for another 45 mins and gave up. 

Ive called the XXXX fraud agency and XXXX XXXX both I had to sit on hold but both were able to help me. Ive wasted prob 4 hrs + and 2 weeks of time waiting for mail and still nothing. Apparantly my sin number and birthday date was used with the wrong spelling of my name and a address that doesnt exist the wrong employee etc was used and somehow successful on credit card apps and money was spent wrecking my credit I only found out about it almost a year after it happened and only by chance I had applied for a credit card the last one was prob 10+ years ago only to get denied and I didnt know why as my credit was perfect in my eyes. I phoned to find out why only to find the indentity theft had accured to me. 

Ive done everything I can for now had a police file made called XXXX XXXX and the XXXX fraud agency as well as the credit card company that had issued the card and Equifax. Everyone except Equifax has been more then willing to help but Ive invested a lot of hours now trying to correct this. Equifax hasnt been if any help at all just wasting a ton of my time. What am I to do, my credit is messed up and I cant get these guys to do anything I am absolutely sick of wasting my time as to me my time is valuable and I am a victim with little to no help In this situation only to be super mad at the situation that should have never happened in the first place.
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Pursuant to 15 U.S.C. 1681 ( a ) ( XXXX ), Transunion is an elaborate mechanism that has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. 

With that being said, TransUnion 's consumer reporting agency is furnishing my consumer report with fraudulent hard inquiries, inaccurate personal information, billing errors, and accounts. Not only do these items not belong on my consumer report but more importantly, these items are in violation of several Fair Credit Reporting Act laws.
Consumer complaint received 2023-03-20
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. (NY)

I have been writing letters trying to remove the late history and my hard inquiry and as I was going over XXXX5 usc 1681 that it is illegal to report it
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (PA)

I've been denied several employment opportunities because Checkr and companies like them report that I was XXXX three times and Checkr doesn't only tell what my XXXX in XXXX actually were but the XXXX  in place before the XXXX got involved. I have XXXX my time and my XXXX XXXX to satisfy the government. Chekr should not legally be allowed to share my information Under Any Circumstance unless for XXXX XXXX  persuing XXXX XXXX  against me or by XXXX XXXX. OR, They should agree to put me on their payroll as they are actively working to keep me and others like me, unemployed.
Consumer complaint received 2019-07-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I was contacted by comenity bank About a debt of a relative of mine. I advised the person it was a distant cousin and I have nothing to do with them and asked them not to contact me about this. In my line of business I answer every call since it I have several clients and customers that contact me. A week passed and I was contacted again however this time they were more aggressive and said for me to get the message to her or give me her number. I asked for a supervisor and asked to be removed again I also asked how did they link me we have totally different addresses and she is my 3rd cousin. They told me they legally can investigate to see how we are related Im guessing social media and they then will contact me. Not one time have I ever been late with this company or have had issues with billing. They have now sold this account to a third party collection agency and attached my phone number as the point of contact and they are now harassing me telling me to make this easy and just give them a way to contact my distance cousin. I have tried to reason with every company however they continue to harass me and say it is legal for them to continue to contact me regarding someone elses debt! 
I have opened a complaint several times threw supervisors and have now opened a XXXX complaint as well as this one to make the harassing calls stop I have also closed and paid all accounts with the company and advised to remove me from all contact lists as I with to never be contacted by them again!
Consumer complaint received 2019-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (TX)

Crown Asset Management , LLC That debt is not mine. The account only shows an account number XXXX or original vendor. Misrepresented is all over. The other misrepresentation in this letter is that they are charging {$870.00} for principal. {$170.00} for interest and fees for {$240.00} in fees. 
Federal law prohibits the collector to charge interest & fees.
Consumer complaint received 2019-07-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NE)

Earlier today I submitted a dispute of the account the above referenced collection agency is attempting to collect from me. Despite not being the person to authorize the opening of the account, I have found an additional violation of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act Professional Bureau of Collections is attempting  to collect a debt that according to the original debtor originated in XX/XX/2013. Professional Bureau of Collections has intentionally reporting inaccurate information. They re-aged this account to display it as a new account opened within the last 4 months to cause as much damage to my credit report as possible. 
I have already made the company aware of the fact that I did not authorize the account, I am now making the CFPB aware of the fact that they are engaging in unethical collection activity that I wish to stop now.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

UNABLE TO DISPUTE AND HAVE NOT BEEN NOTIFIED OF THE RESULT OF TWO DISPUTES NO VERIFICATION AND NO EXPLANATION OF HOW THE DISPUTE WAS CONDUCTED THERE IS NOT PROOF NO VERIFICATION THAT ACCOUNTS ON THE DISPUTE ARE MINE UNABLE TO REACH ANYONE ON THE TELEPHONE
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NY)

I am attempting to log into my mortgage account online to see my bill. I am unable to access my mortgage online due to technology issues with US Bank. I have called US Bank and they are unable to fix the issue on their end. I have asked them to call me back and they have not. I have already stated to them that I am withholding payment until they fix the issue. I still have not heard back from US Bank.