davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It shows on My XXXX report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with XXXX  and they sent a letter stating the information were correct with no proof. I also reach out to XXXX XXXX XXXX XXXX several of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to contact Transunion because I paid down some of my bills but instead of raising my credit score then lowered it by -27 points while the others raised my credit score, I tried to contact them but the website never logs you in as there is always a problem with it no matter what, I have tried calling but no luck. They by far are the worse credit reporting agency. All I want is my credit raised as where it should be for paying all my bills on time not being penalized, like Transunion has done ( -27 ) that is wrong that I pay down my debt and they lower my credit score by -27 points. How can this be? How do I get them to fix it?
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Transunion Multiple times and sent multiple letters explaining I have inquiries in my report that I haven't authorized and are violating my rights and the fair credit report act law. Transunion states that credits do not need my authorization to pull my credit report even thought I explained to them on the phone that they are violating my privacy. [ 15 U.S.C. 1681a ] ( 2 ) ( b ) the term consumer report does not include. '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Transunion has been answering that the inquiries have been investigated and verified without providing documents that the inquiries have been verified, violating [ 15 U.S.C. 1681a ] ( 2 ) ( e ), which states, " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' and 1681a ] ( 2 ) ( f ) which states The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BMO Bank, N.A. (IL)

To whom it may concern : I have been trying to work with BMO Harris Bank Mortgage Dept. and Illinois Hardest Hit Program for about I year now. 
My Rep is XXXX XXXX of the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL.XXXX  email : XXXX XXXX XXXX, XXXX Fax # XXXX XXXX has been assisting me with my mortgage lender to either have the lender refinance our mortgage or have assistance paying the mortgage. 
The HHF has approved us but the lender has not. 
We have acquired very high medical bills due to illness and really need this help.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KP ASSET CONSULTING LLC (TX)

I received a voicemail on XX/XX/23 from KP Asset Consulting about a debt owed. I believe they are looking for a XXXX XXXX, but I honestly couldn't understand that part of the voicemail. Location Specialist XXXX XXXX said they are looking into a pending claim and that the filing would become public soon. He said they are coming both to my home and my job 's payroll department ( he said that twice in this voicemail ) and that I needed to produce 2 valid forms of identification. He ended his message with, " See you soon. '' The number left for KP Asset Consulting was ( XXXX ) XXXX. 

On XX/XX/23 I received another voicemail from Location Specialist XXXX XXXX who said they would be at my home and job in an hour. He left the same phone number for KP Asset Consulting and ended the message with, " If I don't hear from the filing party right away, I will be seeing YOU. '' On XX/XX/23 I called KP Asset Consulting and told them I've received 2 voicemails from them. They were unable to find my name in their system and hung up on me when I told them that they were welcome to come to my job ... at the XXXX XXXX XXXX XXXX. They have called me before although I deleted those voicemails. I hope they stop calling my work cell phone now!
Consumer complaint received 2022-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital one auto is still reporting XXXX late payments when the information on my credit is over XXXX old the account was paid as agreed and was closed in good standing as it was paid of. The account either needs to be removed or the need to remove the late payments as it has been well over XXXX XXXX XXXX.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Source Receivables Management LLC (TX)

Account was closed and phones returned to XXXX on XX/XX/2017. Within two months of closing account, XXXX claimed phones were never returned and account was not closed. The issue was briefly resolved, then within 6 months statements began showing up again. Then the account showed up on my credit report under collections. The collections would get disputed, removed, then show up again on my credit report under a different company. XXXX refuses to assist, stating the store the phones were returned to did not process the phone return and account closure correctly. To make matters more difficult, the store the phones were returned to is no longer open. The representatives at XXXX can not even locate the store in their database anymore. Now the account is showing up multiple times on my credit report with no help in sight in getting it resolved.
Consumer complaint received 2019-04-25
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. (TX)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX Credit Card partial account number ****XXXX-XXXX. ( Please see page 7 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: S&S Physician Services, Inc. (TX)

XXXX XXXX XXXX XXXX continues to report a medical debt in the amount of {$62.00} that was paid by my insurance provider. XXXX XXXX purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Their number is XXXX. Harvest Associates Inc is reporting that this alleged debt has been delinquent since XXXX. That is not true as XXXX is the date that we were serviced. I spoke with XXXX at XXXX on XX/XX/XXXX who stated that she could see that something happened to my son 's arm and demanded that I pay the debt. My son is a minor and she should not be able to just spread that information regarding what he was seen for. Her supervisor XXXX XXXX. He will not return my emails. The information that XXXX blurted out is a HIPAA violation. Further, XXXX XXXX began collection only 120 days after the bill was paid by my insurance provider. This is a violation of the NCAP settlement agreement. Per the NCAP policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. Attempting to collect additional money on this claim is a violation of the FDCPA. XXXX XXXX keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX are located at XXXX XXXX XXXX XXXX, TX XXXX. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.
Consumer complaint received 2019-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BB&T CORPORATION (WA)

I am at time and are still a struggling poverty /meets requirements and overqualification due to, income and social atmosphere and other sites reality wise also known as clock coordinated when most earmarks of attn. or fax copy right /pilgrism/ or theft ... infringement, inappropriate in some if, the company receives info. competing / other unsafe practices have been happening and version of companies oversees having tech giants with a 7 window startup, than the lesser more legal by every standard and poor credit 3 to 5 credit safe way a urban complaint regarding construction and a XXXX company small business that was damaged when I wasn't working leaving, those who trusted me still do hoping / trusting in a complaint to or about first XXXX /XXXX XXXX / XXXX XXXX XXXX and employees who treated I have mentioned this to police, XXXX XXXX XXXX etc. threats for me to end with XXXX treatment over XXXX XXXX XXXXXXXX and im sadly not shocked, im not a know everyone type of someone.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Disputing the willingness to take some of the responsibility of damaging my credibility on misleading information. Had I been told you were reporting my payments as being late all could have been avoided. As a consumer reached out on several occasions to keep in good character with the company and issues still not resolved. Haven't been able to log on to my mobile account in almost 9 months call customer service to know resolve. Told by representatives credit report sent to credit bureau last day of month totally inaccurate.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (OH)

I am receiving automated calls several times a day, caller ID indicates Navient or XXXX XXXX XXXX. If the phone is not answered they leave a message stating this is XXXX XXXX XXXX, if this is Ms XXXX, the law requires us to notify you this is an attempt to collect a debt and information obtained will be used for that purpose. 

The caller ID is XXXX, XXXX, XXXX repeating several times a day. Since its the same message if I hang up without listing to it, it will call back repeating the same daily fashion. 

I believe I am due damages I have called asked them to stop, they resume calling the next week. This time it is MS XXXX, last time it was
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I had tried to open XXXX accounts, XXXX was business and XXXX was personal at XXXX XXXX, and also at XXXX XXXX. I was told by both banks that I am unable to open account today due to their system reporting back that I am showing up in their system, under CHEX SYSTEMS, and that I am bot able to open the account. 

I have never had this problem occur ever, and I also am aware that I DO NOT have an outstanding balance with any Bank or any Credit card company, in fact my credit score is above XXXX. 

I work for XXXX XXXX XXXX and XXXX  as a XXXX XXXX in XXXX XXXX and maintain my credit and history is very important. 

I have had Identity Theft done to me in the past were I had notified all 3 Credit Companies, Social Security Office, WA DMV, Federal Trade Commission about Identity Theft and How I was a victim of it. I had also filled out ID theft Victim Document and notarized it to provide to all the company 's as well. Their were credit cards and many credit inquiry 's that were happening to my account which I was unaware of. Some one was using my identity. 

I had then noticed that their was an account opened with XXXX XXXX under my name which I never was aware of and never did I open this account or authorize anyone to open it on behalf. Their were transactions happening on that account and someone was actually using it as a bank. I immediately contacted the bank and notified them of the situation and sent in all the documents, and instead I was told that this is false and they do not believe me. 

I had then checked again 2 months later and then their was an account under XXXX opened recently under my name, and prior to that their was XXXX account opened some time back as well. I then again filled a police report and filled ID theft. I called XXXX XXXX left a message several times and never heard back. I also notified 3 credit company 's about this issue and they replied within a timely manner. 

It has been one thing after another, XXXX bank finally resolved the issue and took me off their system, but I am still showing at Check Systems and it shows that Washington XXXX had sent over a complaint against me to put me under check systems, but I never banked with XXXX XXXX and I did contact XXXX XXXXl and let them know that along with Check systems but nothing has seemed worked and has only caused problems. 

I would like to have my name removed from Check Systems as I never opened an account with XXXX XXXX or XXXX or XXXX, I bank with only XXXX XXXX and have been since 2004. 

I need check systems to remove my name off the list as son as possible so I can bank with other banks and not have a problem. 

Thanks in advance.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: IPAC'S Inc. (AZ)

XXXX  IS REFUSING TO INITIATE SECURITY FREEZE MY CREDIT REPORT DESPITE MULITPLE REQUESTS OVER 60 DAYS.
Consumer complaint received 2019-03-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

I register account in TransferWise company to use service of international transfer to XXXX ( XX/XX/XXXX ). 
After my registration was completed, I set a transfer to XXXX for amount of {$100.00} XXXX. To complete transfer I had to top up my TransferWise account with amount of around 110 USD. XX/XX/XXXX I transfer money to Transfer Wise company from my private account - amount of {$110.00} USD. 
After that TransferWise deactivated my account, cancel the transfer that was set, and block my money. 
I send the email XX/XX/XXXX with questions 1 ) how to access account 2 ) when the transfer will be completed The answer inform me that : 1 ) my account is deactivated and following the regulation of company the investigation process for find reason may take up to 60 days. 
2 ) my transfer is cancelled. 

I request to get my money back. I had name this practice by stealing. However TW ask me for account number and proff of ownership to account. - I am a tour guide and I don't carry that kinds of documents with me! 

Due to those procedures ( which I doubt are legal to the law ) I wait to get my money back till XXXX. 

I received amount of {$90.00} USD to my account. 
Differences 16.6 % less than I send. - $ XXXX. 
I wrote email to clarify this, and answer from TransferWise said that : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX, Thanks for your response! 

We received funds from you as a SWIFT hence we processed refund using the same payment method. 

Please note that SWIFT payments incur extra charges as intermediary banks as well as receiving bank may charge their own fee.

Unfortunately, we are not aware and have no control over these fees. 

Just in case, you can read more about SWIFT here. 

I hope this explains why you have received less. Please, let us know if you have any questions We are happy to help! 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Today is XX/XX/XXXX. 
- I did not receive email that explains reason of why services I ordered was cancelled, account deactivated, money blocked. 
@ transferwise stuff informed : following theirs " company regulations '', account may be deactivated and investigation XXXX take up to 60 days, after that email will be send. They did not. 

- I transfer to TransferWise {$110.00} USD, and after unknown reasons of refusing me to use their service, I received back to my account amount lower of 16.6 % / $ XX/XX/XXXXUSD.
Consumer complaint received 2024-03-03
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. (FL)

In accordance with the Fair Credit Reporter Act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX and Account # XXXX XXXX XXXX Are reporting inconsistent balances across credit bureaus therefore are 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 state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2019-04-25
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. (NY)

My lease XXXX XXXX was in accident on XXXX XXXX, 2018. I reported the accident to my XXXX XXXX ( within 2 hours after returning from the hospital ). XXXX followed up from that point dealing with XXXX XXXX loss department. They issued a payment check to XXXX for the lease car ( XXXX, 2018 ). XXXX then proceeded with their internal resolution process for loss cars. I was told they would contact me once completed. They competed it in XXXX of 2018. I started receiving phone calls from XXXX around Mid XXXX. of 2018 re their resolution result. I never received any letters from XXXX re completion just phone calls. I returned their call and was told that that my lease insurance ( GAP ) was only responsible for a payment of XXXX and I would have to pay them XXXX to complete the entire process and will thus have a XXXX  balance. I contested the XXXX GAP insurance payout because it was incorrect ( because XXXX had intentionally have the wrong date for the accident which made the Gap insurance less than it should since they had me noted as not making my monthly payment when the car was already written of. XXXX GAP Ins. agreed they had the accident date incorrect and resubmitted the claim for a corrected determination. I was told by two XXXX GAP customer representatives around early XXXX. 2018, to wait for the claim process to complete again for my payment responsibility after GAP re calculated their liability to so I can resolve the balance. During that claim process XXXX prematurely and erroneously sent my account to collection ( XXXX ). Sometime around XXXX. XXXX, I received a call from the collection agency saying that I owed XXXX XXXX. I was extremely angry at which point I told the debt collector I will call XXXX to resolve this because my GAP insurance claim is still being resolve with XXXX and thus I have no idea, why this account would be sent to collections. In fact, there was not a final payment determination for my portion. I called XXXX who then said that they are no longer responsible and did not help me except to say resolve it with the collection agency. By the end of XXXX. ( maybe early XXXX. ), XXXX GAP insurance finally process the corrected claim ( they were now responsible for XXXX dollars instead of their initial XXXX ) and gave me a final corrected payment of XXXX. I promptly resolved that payment with the debt collector on XXXX. XXXX. XXXX XXXX has put my credit history in jeopardy for a mistake made on their end, and during the correcting of their mistake they prematurely sent my account to collections despite assurances that I should wait for the completing of my XXXX GAP insurance claim process. This account was paid and finalize in less than 2 weeks from XXXX GAP insurance GAP claim completion.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On XX/XX/18 I certified mailed a Validation of Debt Letter to XXXX in relation to a debt collection I received. XXXX failed to respond with the information as is required by the FCRA. They then put several accounts on my credit report. 

These actions are illegal according to the FCRA and I am demanding that all items be removed from my credit report as well as a check to be written to me in the amount of {$1000.00}, as is required by the FCRA for this illegal offense.