davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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)

I HAVE BEEN SUBMITTING REQUESTS TO THE BUREAUS FOR THE LAST 7 MONTHS so since XXXX of XXXX  THERE is an issue WITH XXXX XXXX - IT'S REPORTED ILLEGALLY - IT'S reported as A CLOSED CHARGE OFF ACCOUNT by transunion and XXXX. 

XXXX REPORTS with XXXX XXXX as CURRENT with current activity and again it's closed marked as a charge off. They report POSITIVE payments and a current DATE LAST of ACTIVE, WHICH IS NOT ACCURATE OR POSSIBLE. This is illegally re-aged to my understanding XXXX REMOVED this account IMMEDIATELY. 

TRANSUNION based off of what I see has never investigated this. Under date last reported it suggests they have never looked into this. Each bureau reports a different date of last activity as well. If this had been verified then that wouldn't appear liek that.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, 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
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (FL)

I have contacted XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX   XXXX states I have a zero balance. XXXX has a record of payment Not In Collections!!!! These dates and agencies Do Not Make Sense. Perhaps they have me confused with someone else. I do not owe XXXX XXXX any debt! They state my address is un-deliverable and I have been at that same address on file for 3 years.
Consumer complaint received 2020-06-05
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: AMERICAN EXPRESS COMPANY (IA)

I have an Authorized credit card on my account that was cancelled by Amex on XX/XX/2020 ( after two billing cycles ) without informing me. I have been speaking to the company about reporting this card to credit bureaus and I reached out to them six times during this two month period ( Both customer care and also Credit reporting department ). I was told each time that it will be reported on second billing cycle and we do have all the required information. When it was not reported on my second billing cycle of XX/XX/2020, I called again and I was told that there is some issue with the system. We will look into it and might have to send a manual reporting. 

I called them again to find out that my card was cancelled on XX/XX/2020. I asked for a reason of non-reporting regardless as card had two billing cycles. I am being given excuses and this issues is being ignored. This is a clear violation of FCRA ( Fair Credit Reporting Act ) when the company is reporting selective information to credit bureaus.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( 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 crimes 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-10
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX 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.
Consumer complaint received 2020-06-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (AR)

Veterans United started the loan process back in XXXX of 2020. Have gone through the process, and am due to close on the new and the house I am on the XXXX of XXXX. On XX/XX/XXXX they informed me they can not close the sell on the new house due to a well, and cistern being on the property. They have known for a month, and waited until a week before closing that they are killing the deal. Now I am rushing to find a lender who can close. The loan officer has been helpful, but the other people have faced me and my family with going without a home after next Friday.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

on XXXX and XX/XX/XXXX someone managed to clone my debit card and withdrew a total of {$3000.00} from the same ATM at a local XXXX. Navy Federal failed to detect fraudulent activity even though the perpetrators entered my pin incorrectly at least once and the transactions were way past my spending habits. on XX/XX/XXXX the perpetrator attempted to withdraw some more money but it was then when Navy Federal detected fraudulent activity and notified me via text followed by a phone call. I checked my purse to make sure my card was still there and indeed my card hadnt been stolen or misplaced so I had no idea how this was happening. The representative deactivated my card and went over my last 3-5 transactions but failed to notify me that money had already been taken out at that same ATM where they detected the fraud. It wasn't Until I went to the actual branch on XX/XX/XXXX to deposit a check when I noticed I had a lot less money than I thought I had and reported the fraud to someone at the branch who helped me open a fraud claim. It was that weekend where my claim was denied so i got the police involved and on XX/XX/XXXX I had to take off work and had a police officer dispatched to me to that same ATM location to investigate what I reported. The officer witnessed more than one individual conducting these transactions and therefor opened an investigation. I provided a police verification report to navy federal in order to appeal their decision and was denied again based on them saying " my actual chip was used '' I provided a redacted version of the police report where it states in detail what the officer saw and Navy Federal still refuses to be responsible for the {$3000.00} that were stolen from me. Every single time I call they are not helpful and arent specific on what documentation they need from me in order to prove these transactions were not done with my original debit card.
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

I was scammed on XXXX while I was trying to rent a house this started on XX/XX/2020. I went to my bank to get my money on XX/XX/2020, when I didn't receive what I had paid for and did not receive my money back. They looked into it and even though the guy who scammed me was clearly impersonating another person ( Wells Fargo said their accounts didn't match up ) they would not consider it fraudulent. I Lost XXXX dollars in this exchange. Attached is my fake lease and emails that I though were going to lead to my new home. I need that money. I don't know who else to go to.
Consumer complaint received 2020-07-30
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: Consumer Portfolio Services, Inc. (CA)

I try to reach out to CONSUMER PORTFOLIO SERVICES to let them know that I had a cease and desist order regarding my credit being ran.YOUR NAME XXXX XXXX XXXX ON XX/XX/2020 I WENT TO XXXX XXXX DELIVERED A CEASE AND DESIST LETTER TELLING THEM NOT TO RUN MY CREDIT AS A RESULT MY CREDIT WAS RAN MULTIPLE TIMES.I TRY TO ADDRESS THE CONCERN WITH CREDITORS LETTING THEM KNOW THE AUTO DEALERSHIP VIOLATED THE CEASE AND DESIST ORDER.I CURRENTLY HAVE A PENDING COURT CASE XX/XX/2020 RESULTING THE VIOLATION OF THE CEASE AND DESIST ORDER.I TRY TO CONTACT CONSUMER PORTFOLIO SERVICES LETTING THEM KNOW I WANT TO ALL DISPUTE AFTER XX/XX/2020 BECAUSE IT WAS IN VIOLATION OF THE DESIST.
Consumer complaint received 2022-07-23
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)

When I reviewed my credit report, I discovered that some of the account being reported were erroneous. I sent a letter to the Credit Bureaus oin XX/XX/XXXX to request an investigation and correction of the Erroneous accounts on my Credit Report. The XXXX credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please resolve this account completely from my Credit Reports : XXXX XXXX  XXXX
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

AssetCare, a collection agency, has recently reported a 6-year old alleged debt for the first time to my credit report ( at the height of the pandemic ). I just recently had another medical debt from this same debt collector - and same exact original creditor - for the same exact amount taken off more than two months ago! In that case, my insurance company had not paid a claim and it was resolved quickly after the insurance company agreed to pay the original creditor. I almost mistook this account for the same account being placed back on my report, but apparently this newest credit report account is for a different hospital. I find this highly suspicious that they purchased a 6-year old debt from the same exact original creditor for a different hospital ( the service dates are 4 years apart ) immediately after they were not able to get the payment they wanted for the first account. 

Additionally, this time, after doing a similar investigation that I did to determine the cause of the first credit report entry, there is no apparent debt! Every single person I have contacted, including the original creditor and the billing dept. at the hospital, has stated that they are not aware of any debt or accounts sent to collections. To the contrary, all stated explicitly that my insurance approved and paid out all claims for the service dates mentioned by the collection agency. I also checked my online account for the insurance company and found the same exact conclusion. All claims are approved for this hospital on the service dates in question. It is extremely unlikely that one entity of this hospital would not have had my insurance information while all others did. I have found no evidence of this either. 

Interestingly, after contacting AssetCare, they do not have any information about this debt. They couldn't or didn't want to give me the original creditor 's phone number and the name of the seller of this debt. I have submitted a formal request for bill itemization in conjunction with this complaint. 

A CFPB agent that I discussed the details of this case over the phone also immediately sensed " red flags '' about the story. This case and AssetCare LLC should be investigated for possible unlawful tactics related to seeking and buying debts that are highly questionable simply because they have recently encountered and compiled information on a person. One should not have to fight to clear harmful entries on a credit report because of intentional credit report " mistakes '' a collection agency makes in hopes to get a lucky payment from someone that should not be paying.
Consumer complaint received 2022-07-23
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)

When I reviewed my credit report, I discovered that some of the account being reported were erroneous. I sent a letter to the Credit Bureaus oin XX/XX/XXXX to request an investigation and correction of the Erroneous accounts on my Credit Report. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NY)

I was a happy customer of Simple Bank. They decided to shut that bank down and transition everyone to BBVA. 

This transition happened yesterday ( probably ). I tried to enroll as a new BBVA customer, per the instructions in the emailand my accounts are now locked and inaccessible. Calling the CS number results in being hung up on, in the rare occasion they even answer to begin with. 

I have spent the better part of the past two days attempting to unlock my accounts, so I can pay bills and make sure all my automatic payments are still on track to be paid. 

This is a mess. And what makes it all worse is : I didnt ask for this. I dont actually want to be a BBVA customer, but, until my accounts are unlocked, I cant even close them down and move my money to a competent bank.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

Made double payment on XX/XX/24 because I was not sure first payment went through. When I realized my error, I called number on back of card right away. Was told they could not stop payment as it was being processed and I would have to wait until it cleared my account. Payments cleared on XX/XX/24. Called back number on card and was told that I would have to wait 7-10 days for payment to process. Today I called credit card again, ( 10th day ) and was told that it is only being processed for payment today and that I will see payment in checking account in 5-7 business days. That is XX/XX/24 and 4 weeks since I made the payment. It takes 3 days to post and 17 to get a refund? Went to the bank that issued the card and whose logo is on it and was told that there was nothing they could do to help me as they use a third party processing company. Really? 1
Consumer complaint received 2023-04-03
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 (CA)

I had spoken to Capital One multiple times before the beginning of 2022 informing them that I was struggling to make payments due to loss of employment and lack of financial income. At the time, my fiance was using the card ending in XXXX to pay for school and her own bills. She could not afford to make payments and due to my loss of income and employment, neither could I. 

Unfortunately, this account went late and eventually went to charge off status. I have sense paid this account and would like to ask that the lates be removed so that I can try and get my son and I a home.
Consumer complaint received 2022-07-23
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. (TX)

I was surprised to see that there are accounts being reported on my Credit Report that are completely unknown to me. I took the liberty to investigate and concluded that these accounts are fraudulent. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$2000.00} DP OF EDUC XXXX Balance Owed : {$6400.00} DP OF EDUC XXXX Balance Owed : {$5800.00} DP OF EDUC XXXX Balance Owed : {$2500.00} DP OF EDUC XXXX Balance Owed : {$3300.00} DP OF EDUC XXXX Balance Owed : {$6000.00} DP OF EDUC XXXX Balance Owed : {$9300.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$1400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX Balance Owed : {$15000.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-07-30
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: ALLY FINANCIAL INC. (CA)

On XX/XX/2020 I went to XXXX XXXX delivered a Cease and Desist letter telling them not to run my credit as a result my credit was ran multiple times.I try to address the concern with creditors letting them know the auto dealership violated the Cease and Desist order.I currently have a pending court case XX/XX/2020 resulting the violation of the Cease and Desist order.I try to contact XXXX letting them know i want to all dispute after XX/XX/2020 because it was in violation of the desist.