davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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. (TX)

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  according to FCRA ( 1970 ) 15 U.S.C 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 15 U.S.C. 1681 section 602 A States I have the right to privacy.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

XXXX  has been allowing Toyota financial to report false information on my report without a proper investigation for years. Toyota financial illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. Toyota has falsely and knowingly reported information on my credit report for years. When I dispute Toyota will change a number ex XX/XX/XXXX 120 days late to 160 days late and XXXX says its valid. Toyota has opened and closed the account many time. Most recently changing it to closed XX/XX/XXXX dropping my score 40 pts. XXXX   has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. Toyota once reported to XXXX   that I owed {$2300.00}, changed the date opened and that was validated by experian for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as Toyota or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with Toyota and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Every time i apply for credit and they try to pull my Experian credit report it says i do not have a credit file. Please allow company 's access to my credit report. i have enclosed a letter i received from XXXX  XXXX XXXX.
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Still no answer on who owns the loan. 
XXXX XXXX XXXX has not contacted us on ownership of loan. 
Why aren't they contacting us? 
Why is a third-party debt collector in charge of this account? 
Again, letter is written to find out what is going on. 
Third-party will not give us point of contact to owner. 
Instead of directing us to the owner, third party wants to foreclose. 
Third-party mentions in their business model, that they want to help avoid foreclosure, but why did they ignore us when we completed trial modification in XXXX of 2019. 
Since then we have completed numerous modifications and they have declined all of them.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I obtained a credit card through XXXX XXXX back in XXXX of 2015. Subsequently after the XXXX layoffs I had to do a credit repair in which I settled the owed amount and paid them the balance ( {$850.00} ). Well for the past year and a half I have been battling with XXXX XXXX to correct my credit file. They reported a XXXX balance to XXXX credit agencies but left the {$850.00} balance on XXXX XXXX. After going around and around with different departments ( credit card, collections and branch offices ) It is still on my credit file as a derogatory balance of {$850.00}. I got in touch with an employee in their credit card collections dept which told me they would be sending a removal letter but the only thing that happened was they updated the description. I still had a derogatory {$850.00} balance at XXXX XXXX which is incorrect as they did send the correct XXXX balance to XXXX and Equifax. Well I contacted them again and was able to speak with a Branch Mgr/XXXX  who actually responded to my emails/calls but unfortunately whatever was submitted from XXXX  XXXX ended up just placing the derogatory description back onto my credit file which dropped my score XXXX points. Then a month later I got an alert that XXXX  XXXX added the derogatory {$850.00} balance to Equifax. I now have XXXX bureaus reporting this and my score dropped another XXXX points for a total of XXXX points within 2 months which cancelled my mortgage negotiation contracts! I notified the Branch Manager who actually responds to my inquiries and they advised me that they are escalating this but after this long it is only right to file a complaint with the XXXX  and CFPB. I have my acct number and I monitor my credit through XXXX different vendors that can support this happened. Please help me rectify this situation.
Consumer complaint received 2018-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC (IL)

I paid the original debtor ( XXXX XXXX Hospital ) the following amounts : XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$140.00} I was contacted by MiraMed on XX/XX/XXXX by mail that I owed {$60.00} on XX/XX/XXXX. I contacted XXXX at XXXX who verified a XXXX   balance with them. 
on XX/XX/XXXX. I contacted XXXX at MiraMed who said she'd send a balance verification to XXXX XX/XX/XXXX. I contacted XXXX at MiraMed who was disgustingly rude and disrespectful when I tried to discuss the issue again. 
XX/XX/XXXX. I contacted XXXX at XXXX, she verified the XXXX balance and agreed to escalate the issue with MiraMed and request a Paid In Full letter be sent. 

MiraMed would call various times between then and now and I would explain it again and they would agree to look into it. 

Between XX/XX/XXXX - XX/XX/XXXX, MiraMed called ( 5 ) times about this debt. 

On XX/XX/XXXX, I mailed XXXX and MiraMed copies of the cleared checks my bank sent to XXXX electronically. 

Since XX/XX/XXXX, they have only left two messages attempting to collect a debt. 

I've paid my debt in full to XXXX, MiraMed isn't owed any money. These two companies had a miscommunication and refuse to resolve it and meanwhile Miramed continues to harass me over the issue. I'm requesting debt collection practices be stopped and a paid in full letter be sent. Thank you In the attached file below, my bank could not separate the payments I made to XXXX during this time period but each check ( upper left corner ) and letter ( Re : ) is marked with the correct account number.
Consumer complaint received 2019-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC (CA)

XXXX XXXX was sent to collections on XX/XX/2019. This account had already been added to my bankruptcy prior to that and since then has been discharged. I am repeatedly being called and receiving threats from SEQUIUM ASSET SOLUTIONS. XXXX XXXX was discharged a while back and should not be charging me.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (MI)

I opened a account at Key bank online. I then went the next day and deposited my payroll check and an expense check. No issues. I then set up direct deposit. 

I travel for work so my new account had log-ins in multiple states. They froze my account. I went to the bank and verified everything NO FRAUD! They then told me my account is frozen for 90days and I cant use it. Since then I have had a direct deposit rejected and waiting for a new check to be cut, my initial pay check is frozen. No funds going on 3 weeks now till I get a 3rd check. Been assessed countless fees, services being suspended, and I cant even even buy food for my home.

The bad workers said I cant help you or I could lose my job my funds are frozen unjustly and now I have occurred financial hardship, My services are off, and I cant eat. Nobody is helping or seems to care there. I dont know what to do. I also feel they owe me my funds plus the fees Ill I have to figure out. It will take me months to recover from this neglect.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Subject : Urgent : Credit Report Errors and Consumer Rights Violations Complaint Dear Sir/Madam , I'm writing to dispute inaccuracies in my credit report and file a complaint against the debt collection agency and credit bureaus involved. My issues include : 1. Closed accounts reported as open.

2. Illegal attempts to collect charged-off debt.

3. Wrong late payment entries.

4. Non-compliance with FCRA reinsertion notification requirements.

5. Dismissal of my verification request as " frivolous. '' 6. Prohibited inclusion of income information. 
7. Unauthorized sharing of my personal information.

8. Lack of required 1099C or 1099A forms from XXXX XXXX XXXX XXXX. 

There are also inaccuracies regarding account dates and a failure to report correctly, violating my privacy and consumer rights as per various sections of the USC.

15 U.S. Code 1666b 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), violation of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ).

Immediate correction and action are necessary to resolve these serious issues.

See attached for proof of my claims, my credit report and my letter in full detail of this claim and violations of FRCA Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc. (UT)

By not replying in a timely manner to my initial letter on XX/XX/2021, the company have not only violated federal and state laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Additionally, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint against the credit reporting agencies for their failure to properly verify and remove inaccurate accounts from my credit reports. I initiated a dispute with the credit reporting agencies regarding the presence of inaccurate information on my credit reports. However, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response. 

I am deeply concerned about the lack of communication and action from the credit reporting agencies in resolving this matter. The inaccurate accounts on my credit reports have had a detrimental impact on my financial standing and creditworthiness. It is essential for these inaccurate accounts to be promptly removed to ensure fair and accurate reporting. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I urge you to hold the credit reporting agencies accountable for their failure to properly verify the disputed information and provide a timely response. It is crucial that these agencies comply with the Fair Credit Reporting Act and take immediate action to remove all inaccurate accounts from my credit reports.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXXat XXXX XXXX i made a cash payment of XXXX $ to my Visa credit card at the ATM of my local Bank of America. Immediately after taking my money the machine had an internal crash and the screen went blank. i waited for 20 minutes and then called the emergency number listed on the machine. I was connected to an employee and he managed to get a technician who the had to reboot the machine. it did not proceed to give me a receipt because of the software crash but the employee on the phone reassured me it would not be a problem and there was a spot inside the machine where money goes in a case like mine. He said a technician would be sent out to the machine and then i would be credited. 
I was first in line inside that Bank the next morning and was told they could do nothing for me and to call the same number i called the previous evening. On calling that number i was told that a dispute had been initiated in my Name and that it could take up to two billing cycles to resolve the issue.

I have continued to call and receive the same answer. 
It has now been over 3 months. I called again today and the answer i get is to just wait. 
This is not acceptable
Consumer complaint received 2018-11-07
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. (GA)

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX XXXX  ... They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Consumer complaint received 2019-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (PA)

Quicken Loans QL Loan Number-XXXX Escrow mismanagement P & I : {$490.00} Taxes : under {$4000.00} annually Insurance : PREPAID!!! 


Despite all of the above, Quicken is insisting on a new updated payment of over {$1700.00}!!! 

They have had updated information from me since early XXXX. 

I have requested an escrow review 3 times and they refuse without giving me a ny adequate reason.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services (CA)

XXXX  has been non-compliant with removing the unverified account MERCEDES-BENZ FINANC which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that MERCEDES-BENZ FINANC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

Hello. I opened my Chase Sapphire Reserve card in XX/XX/2018. My yearly membership fee of {$450.00} plus a {$75.00} fee for an authorized user was charged on XX/XX/XXXX. Before that fee was charged Chase decided to close my account, and at the time promised to refund my fee ( see attached email ). 

Why would Chase close my account and keep all of my yearly fee? I used the card as intended but Chase decided to close it for some reason.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (FL)

There is a fraudulent charge on my account from XXXX XXXX for the amount of XXXX the account was opened XX/XX/XXXX and closed on XX/XX/XXXX. 
Please remove this from my accounts immediately
Consumer complaint received 2018-11-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

on XX/XX/XXXX, I was pressured into a predatory auto loan through Santander Consumer USA. They have mishandled the auto loan and are using unethical and illegal practices. They have used risk based pricing and are loan churning. I am being harassed with multiple telephone calls throughout the day and evening. The loan was XXXX at 23.43 % with 71 payments. To date, I have paid XXXX and Santander is alleging that I still owe XXXX. My maturity date is XX/XX/XXXX. This is not accurate. I am challenging the validity of Local, State and Federal Laws. Please see attached documentation that shows inconsistencies with payments and account information.
Consumer complaint received 2018-11-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Cottonwood Financial Ltd. (TX)

I have received and loan dept collection notice regarding and loan dept from XXXX XXXX XXXX XXXX on XXXX XXXX regarding and loan dept of the amount of {$700.00} dollars. 
After XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has sent out the Power Of Attorneys Authorization to communication form to call and contact them regarding my loan dept with their creditor The Cash Store # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX and to them as well on XXXX XXXX to call and contact them directly as my Legal Deptment Management Program Power Of Attortney Record to direct all communication with them to settle dept loan payment and to cease and desist any communication with me regarding the loan dept. And XXXX XXXX Went to on XXXX XXXX sending and threating collection notice of loan payment to me instade of calling my XXXX XXXX XXXX XXXX to set up dept loan settlement payment arrangement with them to settle my loan account.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Refused to help during a hardship because repayment was 100 % across all of customers accounts. After 2 months of missed payments they were willing to allow longer term repayment plan but continued to report negatively for 4 additional months although payments were being made as agreed.
Consumer complaint received 2018-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX account number XXXX Date opened is inaccurate : XX/XX/2018 and also Amount Past Due reflecting {$1600.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX I called Capital one about few charges in my account that was not mine.. I went through all charges and had credit of {$330.00} ... some of the credits came off of my account but not all. I got this card to rebuild my credit. I have made payments on time and even got higher spending limit. I have received my new card. Online it shows my card as not having available credit. I told the lady in the phone what was going on. My info, cards, checking was being used by someone other then me.