davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (FL)

I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time. XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The XXXX is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Provide documentation that the XXXX has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Consumer complaint received 2016-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (MA)

I have been receiving multiple phones calls ( 3 to 5 times ) per day, for almost two weeks, from Citibank, in regards to a Home Depot account I do not have, and never have had. I spoke to a Citibank representative on XX/XX/2016, and was told I would no longer receive anymore calls from Citibank. I received another phone call on XX/XX/2016. I stated to the bank representative that I do not have a Home Depot account, and I want the phone calls to stop. I also made them aware that my phone number is register with the National Do Not Call Registry, and that this is my first and final request for them to stop calling my number. I do not have ANY debt in arrears, and have good credit.
Consumer complaint received 2022-12-14
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. (MI)

My first letter went on XX/XX/XXXX and XX/XX/XXXX disputing a verified account on my credit report XXXX XXXX XXXX XXXX, Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is not accurate and also the reported balanced owed change every month. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am submitting this complaint against, Portfolio Recovery Associates, for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to XXXX XXXX information contained in my credit report as of XX/XX/XXXX : Portfolio Recovery Associates reports on XXXX : Account opened in XX/XX/XXXX. Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX ) This was an account Portfolio Recovery Associates purchased from XXXX/XXXX. The original account was written off. Below are the basic details of the original account as reported by XXXX. Original Credit card account details : Creditor : XXXX/XXXX. Account Opened : XX/XX/XXXX. Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed. This information confirms that Portfolio Recovery Associates, purchased a debt from XXXX/XXXX, which had been established as Charged off. Portfolio Recovery Associates then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XXXX. This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX/XXXX XXXX  own reporting shows this account was not written off and closed until XXXX, after the date Portfolio Recovery Associates claims the debt began. This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as Portfolio Recovery Associates seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX/XXXX, to XXXX.
Consumer complaint received 2018-05-02
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. (VA)

I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan 1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX  Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX  Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.
Consumer complaint received 2022-12-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I recently took out a XXXX  auto loan ( {$33000.00} ) with Golden1 credit Union on or around XX/XX/2022. Golden1 Credit Union sent that amount to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. I was informed by the XXXX  XXXX that they can not find the vehicle, therefore I can not register the vehicle in XXXX. As a result, my insurance company informed me that they can not insure the vehicle. I have followed up with Golden1 Credit Union and they can not give me any answers about what is going on. I have reached out to XXXX XXXX multiple times, and they are not returning my phone calls or email messages. I want Golden1 Credit Union to cancel my loan and force XXXX XXXX to take their vehicle back, because I can not keep a vehicle that I can not get registered or insured in the state that I purchased in and live in, XXXX.
Consumer complaint received 2019-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (AL)

I was brainwashed and scammed by a con artist who I met on XXXX. He entangled me in a money exchange scheme with my XXXX and Navy Federal accounts. He talked with me everyday for 1 1/2 years then got me to wire him money and also lied about money he transferred on my credit card. It ultimately cost me ~ {$41.00}, XXXX dollars and I had to file bankruptcy XXXX of 2017. 
I now have a potential for fraud risk notation on my consumer report. I filed a police report and had to subsequently file bankruptcy. This has devastated me financially and emotionally. I never thought a person would be bold enough to scam or be dishonest on a military account. I feel stupid, ashamed and guilt. I have never committed fraud and was scammed out of my financial future.
Consumer complaint received 2022-12-15
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. (SC)

In accordane with the Fair Credit Reporting act. The account on this list below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is in inaccurate.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (MD)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$250.00}
Consumer complaint received 2017-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC (TX)

Innovate  XXXX   XXXX   ( fo rmerly  XXXX   XXXX   ) h ave erroneously reported  XXXX  and 60 day lates on my credit report. I have called to inquire about payments made and some of the payments made were not recorded in the system causing me to make double payments in the same month. In addition I have called and requested copies of the payment history for my account 4 times over the last 2 months and have not received it. I 've spoke  to 3 different representatives who say they have processed my request but I have yet to received copies of my payment history in order to verify it against my payment records. Also, they claimed they did not have my correct address in the system but they were mailing statements to my correct address. When I 've asked to speak to a manager the rep resentatives are rude and not helpful
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FlexShopper, Inc (NC)

The debt was for a leased security camera. The debt was paid after they threatened me with legal action in XXXXXXXX XXXX XXXX It is still showing up on their end as not paid. They will not let me speak with anyone who can help me all they say is there is still a balance and its been sold to a collection agency and when I call that agency they say they dont have my file anymore. Im worried that this is still affecting my credit. It is against the law for them to say I still owe this when I dont.
Consumer complaint received 2022-10-18
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: ACIMA CREDIT, LLC (AR)

ACIMA STATED THAT THEY WERE THE COMPANY THIS ALLEGED DEBT IS OWED TO. ACIMA STATED XXXX XXXX OWES THE ALLEGED DEBT. I XXXX XXXX am in fact a alive breathing natural being AND NOT A CORPORATION OF ANY KIND. 
CORRECTION ACIMA IS THE THIRD PARTY OF SAID DEBT. I XXXX XXXX DO NOT OWE ANY DEBT TO ACIMA. I DID NOT DO BUSINESS WITH ACIMA. 
ACIMA ALSO STATED I WAS NOT THE ORIGINAL CREDITOR OF MY OWN CREDIT. 
PURSUANT TO 15 USC 1692 ( 4 ) I AM IN FACT THE ORIGINAL CREDITOR OF THIS ALLEGED DEBT. ACIMA COULD NOT GIVE ME THE FUNDS TO MAKE TRANSACTATION ( MY SOCIAL SECURITY NUMNER DID AKA CREDIT CARD ) WHICH ALSO BRINGS ME TO 15 USC 1691 ( D ) THE TERM CREDIT MEANS THE RIGHT GRANTED BY A CREDITOR TO A DEBTOR TO defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 
THE TERM DEBT COLLECTOR means any person who uses any instrumentality of XXXX XXXX or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. 
SO ACIMA IS INFACT A DEBT COLLECTOR AND ACIMA IS IN FACT IN VIOLATION OF THE FDCPA. 
Pursuant to 15 usc 1681 ( q ) ACIMA did not have a permissible purpose due to the fact that they never received written consent to report on my CONSUMER report. 
A SIGNED CONSUMER CONTRACT IS NOT SUFFECIENT EVIDENCE OF A DEBT. IT ONLY MEANS A TRANACTION TOOK PLACE. SEE ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KS)

Modifcation errors. No one made any effort to correct the account and continues with XXXX XXXX, Executive Resolution Specialist in Customer Care and XXXX XXXX. In reference that was told by XXXX that Miscellaneous Fees assessed XX/XX/2006 of {$4700.00} was because of Wells Fargo Home Mortgage initiated foreclosure as allowed by the terms of your Note of Security Instrument on XXXX XXXX was told was due for XX/XX/2006 XXXX XXXX, XXXX payments. Payments was not even applied to account customer acct activity statement. I was told by XXXX that the foreclosure action is allowed by the mortgage documents and applicable laws. I was not informed of any fees nor any foreclosure shouldn't of taken place. I have been getting wrong information miscalculations and errors on this loan. On the U.S Department of Housing and Urban Development form doesn't have a checkmark of which type of loan this was if Conventional or FHA. I was told was XXXX XXXX Conventional loan.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY ASSOCIATES is attempting to collect a debt that do not belongs to me. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. PORTFOLIO RECOVERY ASSOCIATES is reporting invalidated information on my credit reports and this action might constitute fraud under both federal and state laws.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX  in the amount of {$180.00} is appearing on my credit report from XXXX XXXX. I have no recollection of such debts and have disputed severals and no proof have been given to indicate that these two charges belong to me
Consumer complaint received 2015-08-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (FL)

So I purchased a car from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, FL XXXX, I got fianced by West Lake Financial, I paid my down payment to the dealer which XXXX, first payment was due until XXXX, I was late due to the fact my mom had got sick and I had to travel home for her. I told West Lake that they decided to return the deal to dealership, well it got really heated between me and the dealer but I did make a payment to West Lake to keep the deal and they gladly accepted. I even had to provide my mom medical records just to show them my mom was really XXXX and has been XXXX since XX/XX/XXXX. After that I paid the car up for XXXX months. Well the XXXX month came and all I had to do was pay XXXX dollar difference I told them that I was in New Mexico on a XXXX with the XXXX XXXX And I would take care of the payment when I came back due to the fact I do not travel with my personal banking information on me cause I had my idenitiy stolen and also I had no cell phone signal. I made an arrengement to pay everything when I came back and they said ok that will be fine, while I was gone the following morning the car was gone my wife told me. I called trying to talk to them to see what I could do and no one would give me answers West Lake told me to call the dealer they were very rude to me and my wife. I decided to let my lawyer take care of it and they would not respond to him either. Recently I saw they sold the car. I did not want to talk to them cause of the pass issues, I feel like I am getting scammed they had no problem taking my payments but still returned the deal they could have had they car back if it was going to be like this.
Consumer complaint received 2019-07-09
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: ProCollect, Inc. (MS)

On XX/XX/2018, I disputed an account through XXXX XXXX from a collection agency called Pro-Collect. I have no knowledge of that account my XXXX, XXXX XXXX XXXX  credit reports. Less than a month later, XXXX XXXX notified me that the account was closed and marked as derogatory on my XXXX report but the information for the same account on my XXXX and XXXX reports are still open with negative remarks.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2021 I applied for a Chase Freedom XXXX card through XXXX XXXX. They said my chance for approval was excellent. I previously checked my XXXX reports and decided to apply. Chase denied me so I called their reconsideration line to find out why. They said I had a bankruptcy on my report and that was the reason why I was denied. My report doesn't have any bankruptcies. On their denial letter they claim I have too many active accounts or too much available credit. That wouldn't make since if I had a bankruptcy.
Consumer complaint received 2022-12-15
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

I have reach out to all three credit bureau, also to Macys as well to dispute inaccuracies on my XXXX card with Macys. The account is closed, upon checking I see that this company has pulled my credit report on several occasions without my permission. The inccuracies of information has destoryed my credit tremendously. I'm requesting that this closed account be remove from my credit report immediately.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions