davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-12
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. (SC)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the letter I sent out and the tracking numbers are listed in the added evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.Im not sure if the bureaus Transunion XXXX or XXXX have their own interpretation of the law but there are standard operating procedures used to verify information and it wasnt properly done because as you can see there are still many inconsistencies within my report see attached documents for highlighted items. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Listed in the attached documentation lists violations and items that need to be deleted because they are reporting inaccurate across all three bureaus.
Consumer complaint received 2017-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

On the date of XX/XX/XXXX an account was opened in my name for a Speedy Cash account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from XXXX XXXX XXXX XXXX with SPEEDYCASH as the original creditor. After calling Speedy Cash about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to Speedy Cash that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. XXXX XXXX XXXX XXXX did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to XXXX XXXX XXXX the same thing that I explained to Speedy Cash, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. XXXX XXXX really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.
Consumer complaint received 2022-05-12
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: Experian Information Solutions Inc. (FL)

Contacted Experian about an account that is fraudulent. Experian stated verified, I requested documentation, contracts or any proof that this account belongs to me. Experian never sent any proof or documents that this account belongs to me. This is my last attempt to try to get this resolved before I file a lawsuit against Experian. According to the FCRA A credit report agency must show proof how an account was verified. Im requesting this account be removed immediately. 

Account : Account Date Opened XXXX XXXX  XXXX XX/XX/2016
Consumer complaint received 2022-05-12
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: TD BANK US HOLDING COMPANY (MA)

In accordance with the fair credit reporting act XXXX Account XXXX and XXXX XXXXXXXX  have violented my rights. 

15 USC 1681 section 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 account without my written 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 2017-08-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX {$85.00} Could not ret/buy house due to below average Credit Score. Please help me to get rid off from this critical problem.
Consumer complaint received 2017-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/XXXX OnXX/XX/XXXX I obtained a first mortgage through XXXX XXXX XXXX of {$640000.00} on my house.
The mortgage was subsequently been transferred to other entities, and is now held by Select Portfolio Servicing ( SPS ). The company information is as follows : SELECT PORTFOLIO SERVICING INC. XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX CUSTOMER SERVICE : XXXX XXXX XXXX XXXX  www.spsservicing.com Mortgage payments to this company, and from the beginning of the mortgage to date, have never been late.
This servicer acquired the loan on XX/XX/XXXXwith a balance of {$540000.00} at an interest rate of 2.75. As of this date, the balance is {$330000.00}. The current interest rate is 4 % There is no pre payment penalty and additional principal payments have been made and applied to the loan over the past 3 years.
The initial monthly blended payment inXX/XX/XXXX was {$2800.00}. As ofXX/XX/XXXX the payment is {$2700.00}.
The servicer never provided an amortization schedule since acquiring the loan, and same has not been provided for the rate ( which has been adjusting upwards ) at its current level.
I believe the bulk additional principal payments have not been applied properly to reflect the interest calculation, based on the decreased overall mortgage amount and the remaining term.
Consumer complaint received 2023-07-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Bureau LLC (OK)

I keep getting emails from " Asset Recovery Bureau LLC '' stating that I owe XXXX XXXX, and now XXXX XXXX XXXX XXXX {$2400.00}. I have no idea what this is for, and quite honestly I am getting irritated from the repeated emails. I even looked up XXXX XXXX XXXX, and their loans aren't even legal in the state of Oklahoma, as this is a tribal lending company. I need the emails to cease immediately. I do not owe this money, nor have I ever done any business with XXXX XXXX.
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation 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 XXXX XXXX XXXX XXXX ATTACHED IS AN FTC REPORT WITH THE HARD INQUIRIES LISTED
Consumer complaint received 2022-05-12
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. (FL)

I pulled up my credit report and realize I was victim of identity theft and seen inquiries that I didn't authorize. Please see below Transunion is reporting an authorize inquiry : XXXX XXXX XX/XX/2021
Consumer complaint received 2022-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I had gotten behind on my account for almost 6 months, and capital one sent me out emails and letters that said " XXXX XXXX XXXX XXXX, Were required to close and charge off this account in less than 30 days if no payment is made. But its not too late to work something out before your payment due date on XX/XX/2022. Our online payment plan tool may let you decide how much to pay so you can get started on your terms. they said I could pay Pay $ XXXX for 3 months Or {$610.00}. So I called in the day before and told a rep that I would be making a quick payment through XXXX XXXX and I would call back with the tracking number. The next day, Sunday, XX/XX/XXXX, I made the payment of {$610.00} thru XXXX XXXX at the XXXX grocery store. Then, I called capital one and no answer so I did a chat with a Capital One Rep name XXXX XXXX, I gave him the control number or tracking number and asked him to document it for me. I followed up the following days to find out that Capital one Lied. Even though, I made the payment they still cut the card off. In addition to that, I received my monthly bill today and a {$38.00} late fee is added to the account when clearly I made the payment on time with documentation to prove it. They gave me a false promise with the intention of cutting the card off all along.
Consumer complaint received 2022-05-12
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: Experian Information Solutions Inc. (NC)

I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2020
Consumer complaint received 2022-05-12
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: EQUIFAX, INC. (NC)

I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2020
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Last month I was charged interest for not paying my credit card on time. I missed the due date, and paid in full. In addition, this month I paid off my credit card entirely so that I wouldn't have any more fees. 

However, I was charged with a considerable interest fee this month because I was out of my " grace period '' when I didn't pay the balance in full last month ( even though I paid the interest fee and all other related fees ). They pro-rated the amount remaining after I paid last month 's fee up until I paid off the entirety of my balance this month, and charged me for *every day* because I was out of my grace period. The grace period clause was unknown to me, so I called Bank of of America to determine why I had been charged when my account was paid in full. 

When I called into Bank of America the representative described the fee and the grace period clause to me. I asked where this clause was located, and she said it was written on the second page of the monthly statement. I asked if the fee could be removed since I had paid in full, had already paid interest fees on the amount the previous month, and because the grace period clause was not well-publicized to me as a consumer. They refused saying it was written on the statement. I told them that it was a hidden fee, and they said I should have read all of the paperwork. I mentioned that even the U.S. government has not held that persons are responsible for reading the exorbitant amount of legal jargon on excessive agreement documents because it would be too onerous to do so at every juncture in which these agreements are determined to be needed. 

After I mentioned this, the rep changed tactics and said it wouldn't be fair to the other Bank of America customers not to charge me, because they were getting charged as well. I mentioned that, in actuality, Bank of America is actually being *unfair* to *all* of its customers by charging this hidden fee. I asked again if anyone could remove the fee, and the rep said that neither she nor her manager could remove the fee. I asked her if there is anyone else who could remove the fee, and she gave me the name of the CEO of Bank of America, XXXX XXXX XXXX. I asked her if there is anyone in between her and the CEO of the company who could remove this hidden fee, and she said that there was not. 

I believe her statement about fee removal to be false, that this is a hidden and unjust fee being thrust upon all Bank of America customers, and that this type of fee should be either removed or more well-publicized by the company.
Consumer complaint received 2023-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

Vance and Huffman LLC has reported a collections account to my credit reporting history. This collections account is in the amount of {$1100.00} for " XXXX XXXX XXXX '' as the original creditor stated that it was opened XX/XX/2021. I did not open any accounts with XXXX XXXX XXXX and have disputed this debt, however I have never been provided a debt validation letter, even after disputing this with the credit bureau. Vance and Huffman LLC has " verified this debt is accurate '' however it does not belong to me.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, MN XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I booked a room to stay XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX using the app XXXX. On the announcement it was saying : room assignment on arrival. When I arrived, I was informed that I reservation was for a SHARED ROOM WITH FEMALES ONLY. I tried to change my reservation with the hotel but because I used another app to buy, they couldn't change or cancel. In my purchase it did not say anything about only females I tried to cancel using the app Or change but they didnt help me They sold me a room that doesn't exist and even the shared Room I couldn't use because I am a male I couldn't do checking.. it was a fake announcement to make advantage on customers.. i have to book another hotel at the last minute and pay more than I was expecting..
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IL)

I JUST CHECKED MY CREDIT REPORT FOR THE FIRST TIME IN A WHILE I HAVE LATE PAYMENTS ON MY ACCOUNT THAT ARE INACCURATE MY PAYMENTS ARE DEFERRED SO I SHOULD SEE NO LATE PAYMENTS REPORTING FROM XX/XX/2016 AND XX/XX/2016 I HAVE FILED A DISPUTE NOTHING HAPPENED.
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MN)

I am having difficulties closing my Chase Bank checking account. There is only one Chase Bank branch in the state of Minnesota, therefore I wanted to close this account without making the drive to the only location. There had been no activity on this account for two months as this account was not my primary checking account. 

Contacted Chase Bank via telephone on XX/XX/19 to close both a Checking and Savings account with them. Savings account was closed immediately by the representative with the balance transferred to the still open checking account. I was transferred to another employee to assist with closing the checking account. Customer service representative said the account would be closed immediately with the checking account balance of {$1800.00} was to be paid via check sent to my home within 5 business days. 

On XX/XX/19 ( 7 business days later ) the check had not arrived so I contacted Chase again via telephone. The account representative said the account had not been closed and check was not issued. This representative went through the same steps to close the account and promised me the account was closed and check would be in the mail the next business day. 

On XX/XX/19, I noticed via online banking there was a negative balance of ( {$29.00} ) on my checking account. A check had been issued from Chase bank in the amount of {$1800.00} ( greater than my current balance ) which caused my account to overdraft and go negative. I contacted Chase again on XX/XX/19 to question how this had happened. The representative was unable to explain how this error occurred and was unable to quickly resolve the issue. The account was still not closed and was unable to be closed because the account balance was negative. After 45 minutes on the phone speaking to multiple people, I was finally able to get a stop order was placed on the issued check with a new one for the correct remaining balance issued the next day. I was told it would be another 7-10 business days before the check would arrive. 

21+ business days to close a checking account is unacceptable. This is NOT a reasonable time period for the bank to hold on to my money. I am not confident that this will even be resolved without another phone call.
Consumer complaint received 2022-05-12
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # 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 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

They are reporting XXXX Bank acct # XXXX XXXX/XXXX/XXXX as charged off. per attached documents this account was included in bankruptcy. 

they are reporting XXXX acct # XXXX XX/XX/XXXX charged off. 
attached documents show account included in bankruptcy
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I have dispute an item with Equifax. That item is XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to.
Consumer complaint received 2022-05-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX De, 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 account with my written instructions.
Consumer complaint received 2022-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MD)

The attached document will show my efforts to get a resolution of my complaints. I have sent several written documents to PayPal Credit and Synchrony Bank. No results.
Consumer complaint received 2017-08-19
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 — Investigation took more than 30 days
Company: Medical Data Systems, Inc. (GA)

I 'm confused as to why MDS Tradeline REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with XXXX as well as MDS however to no avail. XXXX said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with MDS knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XX/XX/XXXX and I have given MDS as well as XXXX more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.