davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  XXXX account # XXXX Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil liability for willful noncompliance [ 15 USC 1681n ] Also, some of the above accounts are XXXX XXXX XXXX or older.. 
Texas and Federal Law *Section 16.004 of Texas Civil Practice and Remedies Code. 
THE STATUE OF LIMITATION ON A DEBT IN TEXAS IS XXXX YEARS *Section XXXX of XXXX XXXX Code THIS SECTION OF THE LAW INTRODUCED IN 2019, STATES THAT A PAYMENT ON THE DEBT ( OR ANY OTHER ACTIVITY ) DOES NOT RESTART THE CLOCK ON THE STATUE OF LIMITATIONS. 
THE ACCOUNTS 4 YEARS OR OLDER MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2022-05-04
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: Nationwide Recovery Systems, Ltd (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my writing instructions.

15 USC 1666B : A creditor may not treat a payment on a Credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have ask the 3 credit report agencies to delet these to accounts since I have no proof of original source or ever entering in contract with them XXXX XXXX XXXX {$450.00} Open balance XXXX XXXX XXXX {$440.00} Open balance I have asked 5 times to send proof of the original source or contract that enter with these two companies all investigations claim its correct but fail to give me any proof
Consumer complaint received 2019-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am having an issue with Transunion. There website is completely misleading. It advises consumers that they have the ability to file a dispute and check the status of the dispute online which is inaccurate. I have tried several times over the course of many days and have been unsuccessful. If you go to their XXXX page you will see other comments from consumers stating the same thing. The company is well aware of the situation and is going nothing to correct this issue. I spoke to a supervisor yesterday from the company which confirmed he has heard complaints on this issue as well. If the company is not going to provide a functional website then it needs to be scrapped.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX my debit card declined due to insufficient funds. When I check my account I noticed a levy from California franchise tax board ( FTB ) on Monday XX/XX/XXXX I called the FTB and resolved the issue. At around XXXX the person from FTB said they would fax the release to Citibank and I should follow up in a couple of hours. 
When I did Citibank claimed they had no records of the release being sent to them. 
I called the FTB again around XXXX on XX/XX/XXXX and after another hour on hold the representative from FTB faxed the release again to Citibank and upon my request age also sent me a copy of the release. 
When I follow up with Citibank they would either hang up or route me to the wring extension. When I did get a banker on the phone I was told of would take 24hrs, someone else said 48hrs and today I was told 36hrs.

It's been over 48 hrs I still don't have access to my funds even though the lien release was sent over to Citibank well over 48hrs ago. 
On XX/XX/XXXX I walked into a local branch emailed the branch manager the documents I received via fax from FTB but that resulting in nothing. 

I currently do not have access to the funds in my account. I can't purchase gas, food or any other necessities Citibank refuses to release my funds or provide any information about who I need to contact of when the funds Will be available. They are holding on to my funds illegally
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

I have disputed this debt for over 2 years asking company to validate by showing court paperwork that an eviction was done or that money was owed to an apartment Complex ... they have not but threatened to garnish my wages and damage my credit.
Consumer complaint received 2022-08-19
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX Date Opened : XX/XX/2017 Balance : $ XXXX XXXX Dates XXXX
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (TX)

I notice a new collection on my credit report that I have not received validation for. Please provide me with a contract or instrument bearing my signature that says I am responsible for a debt with your company. I do not want anything sent in the mail. I prefer everything to be submitted and uploaded via the CFPB portal
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Considering Bayview Loan Servicing has a reputation of not working with clients, I have decided to submit this complaint although I have emailed their customer service about the erroneous information on my credit report but no answer is yet received.

I found that the BayView mortgage-loan info from my credit report shows the missed payment for XX/XX/2018. This information is incorrect and it has been affecting my credit report unfairly. 

The payment in XXXX was made on the XXXX. Although not being held against me, there is also erroneous information related to the payments made in XXXX, XXXX, and XXXX. I am attaching a snap of my credit report with BAyview errors reflected as well as print-screens of all my payments to Bayview from last year so you can check when the debt was taken from my XXXX account. My records prove that I DID NOT make any late payment last year, all payments were granted before the XXXX of each month as Bayview regulates. 

Thanking you in advance for your kind help in this matter
Consumer complaint received 2019-02-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc. (LA)

I do not have specific dates or times, but I took out a loan for XXXX the repayment was XXXX. The payday loan company advance america was informed when I took the loan that I had date specific pay dates. I paid on the same day every month. One particular month I was told that the specific date that needed to be drafted could not be accepted. I explained that the funds would not be there due to not getting paid on that date. Representative said okay and that they would still draft and continue to try and draft. Account was closed. I called the company when I received tax funds last year to pay, but was told that the settlement amount offered a month in advance had expired and that I had to pay XXXX more than what was originally owed. I looked up the laws, so is it fair to say that I now ow XXXX dollars from a XXXX balance? It stated that one NSF Fee was allowed to be charged. Where did the XXXX come from. My job old job has been called several times about the matter and company was told I no longer work there. It is unfair when I tried to pay the company last year and they refused to work with me. I can not afford the XXXX, but have read about court, garnishment, and so forth. I know it can not be criminal charges, but I can not afford a civil lawsuit either. The company came up with a repayment plan, but the amount of the repayment was much more than what I could afford. The company does not care about what you can afford to pay back at a time they want the amount they want or nothing.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2019-04-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I got in bind in XXXX because my check was short and had to get help with my light bill. I move in XX/XX/2018 still trying to pay them, I am trying my best to pay them back I am stressed out hair fall out lose weight.
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (MI)

I have had one contact with an agent named XXXX from IQ data on Wednesday, XX/XX/XXXX at XXXX XXXX. XXXX requested to speak with two unknown individuals and I told her she had the wrong number. She then mentioned my daughter 's name and I continued with the call. She mentioned a {$550.00} debt of which I was unaware that was incurred upon move-out of an apartment by my daughter. When I indicated we would pay the debt, once we saw written correspondence, XXXX threatened credit reporting which would damage my credit if I did not pay mmediately while on the phone with her. She asked for my employer 's name, email and other private information. I indicated that based on receiving nothing in the mail from her company that I was not prepared to pay a stranger claiming to be a debt collector or to provide any additional information. She interrupted, rattling off numerous PII items relevant to my daughter, including her entire social security number, and saying that was proof of who she said she was. I asked for the bill to be mailed to the address she already had on file. She said she needed to email me the information in order for me to handle it immediately with her on the phone, and when I tried to respond that I would pay by mail, she repeatedly talked over and interrupted me in an aggressive and loud manner, repeating threats that my credit would be damaged if I did not pay immediately by phone and noting that she was only trying to help me. I asked for her to send the information by US mail, and after almost 7 minutes on the phone she indicated the item had been mailed, two days prior on XX/XX/XXXX. I said that was fine, and as it hadn't arrived, I would look for it and pay it when it arrived. She interrupted, again, repeatedly, continuing to demand payment immediately on the phone with her or my credit would be damaged and stating that there would be no way to have the report removed, causing permanent damage to my credit. At that point I told her to stop interrupting me - which she would not do - so, I asked to speak to a supervisor. After waiting approximately four minutes, she  came back to say the supervisor was not yet available. After another two, she  indicated that I could leave a voice mail or escalate to another type of area leader, which would require more time on hold. I indicated that I believed this was an extension of the harassing behavior, to prevent me from talking with a supervisor, and that I was making a complaint to the CFPB and discontinuing the conversation. She began threatening me with credit reporting again, and so I said " thank you '' and terminated the call.
Consumer complaint received 2021-07-05
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. (TX)

I HAVE FILED NUMEROUS DISPUTES WITH THE AGENCY CONCERNING THE VALIDITY OF DEBTS PER : Title IV of the Consumer Credit Protection Act. Section 401.
Consumer complaint received 2023-01-27
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. (FL)

My name is XXXX XXXX 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.
Consumer complaint received 2019-04-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Failure to produce any legal evidence or verification for the alleged debts, and now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.
Consumer complaint received 2019-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (MT)

There have been numerous problems with Guild. First, I called about insurance money about a year and a half ago that was supposed used to fix my house from hail damage. At that time I was told there was no money left. However, the current issue with Guild messing up my escrow account by over XXXX. An employee recently found the money ( hail damage ) and sent me a check after nearly four years. However, that employee called me soon after asking for the insurance money back so he could apply it their mistake with the escrow account. That employee was recently fired. As a result of their own mistakes Guild is trying to jack up my house payment almost an additional XXXX per month. I called my insurance company and they told me the bill for my insurance can be paid monthly or in lump sums as it went up XXXX per month. My property taxes were raised by by XXXX per month so the total payment should have been a total of XXXX. Furthermore, I made a house payment at the end of XXXX and recently found that money XXXX was sent back to my checking account and Guild is now charging me late fees and is impacting my credit score significantly.
Consumer complaint received 2019-02-13
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: AAS Debt Recovery, Inc. (PA)

A certified letter was sent to AAS Debt recovery Inc for debt validation. I requested the following information from this debt collector .Name and Address of Alleged Creditor, Alleged Debtor, Alleged account number, date the alleged debt became payable, amount of alleged debt, date of original charge or delinquency and contract of debt. This collection agency has not sent me anything to validate this debt. I am demanding this account be removed from my credit report as it is damaging my credit worthiness.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: All Credit Considered Mortgage, Inc. (SC)

On XX/XX/2019 I was approved for a loan. I signed all required documents. I submitted all paperwork requested. I paid {$470.00} for an appraisal at the lenders request. I acquired insurance at the lenders request. On XX/XX/2019 I signed a Closing Disclosure. After signing there was no response. Eventually we were told a " calculation '' error was made by the lender. No one would respond to numerous calls and emails from myself or my mortgage broker. Finally once we escalated our concerns. On XX/XX/2019 at XXXX. I received and email rescinding the loan offer.
Consumer complaint received 2019-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by your Capital One bank of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX and again XX/XX/XXXX related to that application. An official dispute of this information was provided to Capital One Bank XX/XX/XXXX however as of this date Capital One Bank has failed to reply to the status of the investigation as is their obligation. This is a violation of the FCRA.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

There is a debt collection company by the name of XXXX   on my credit report. I have been in contact with them and the bureaus in an attempt to find out what this collection was for. All I can find out was that its fro a apartment that I did live at, XXXX XXXX, but I did not break my lease or leave the apartment in a mess. However when I originally signed the lease I requested that the carpet be replaced as it was dingy and had balled spots. Now I believe that they are trying to back charge me the {$500.00} for the upkeep of there complex. If I would have known they were going to back charge me I would have never moved in.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. Over the past several months, I have noticed a pattern of late payments on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
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: ID Analytics, Inc. (FL)

THESE ACCOUNTS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

The bank is trying to get fees out of me by eliminating pending transactions a day after I charged my debit card. I made an external transfer into the account to cover the balance BEFORE the fee was even charged. I made a charge on XX/XX/XXXX and it was pending all day on Tuesday XX/XX/XXXX. On Wednesday morning I noticed my account was overdrawn and I made a transfer to more than cover the amount of XXXX and the bank still charged me {$35.00}. As of Wednesday morning there are still pending transactions which would make the posted balance a positive balance. Fees are charged once the posted balance reaches XXXX.