davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (OR)

I have worked with my medical provider, who sent this to collections in XX/XX/XXXX. I was not notified that the collections had been assigned or who was assigned until XX/XX/XXXX ; when I was billed including interest since XX/XX/XXXX. This is an unfair and fraudulent practice as there was no way for me to pay the debt from XX/XX/XXXXto XX/XX/XXXX when I finally received the notice in the mail.

I have paid this debt ( {$850.00} ) in full ( conf # XXXX ).

I continue to receive letters for the original debt plus interest. This is fraudulent and harassing behavior.

Letter from XXXX stating paid in full.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (ID)

I recently filed bankruptcy and two companies are still reporting the accounts being open and showing negative on my credit reports. Neither company showed up at the court hearing. I've filed disputes through XXXX XXXX and they are still on there.
Consumer complaint received 2022-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a dispute with XXXX that the products they sent were not of adequate quality and didn't match the website description. 

The response I got from Capitol One is to get a major clothing retailer to put on their letterhead their assessment of the quality of this clothing and the cost to correct the clothing. That is not possible. No retailer is going to put that on their letterhead, and there is no way I can get to anyone at one that has the authority for this.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX  is also reporting my XXXX of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XXXX of XX/XX/XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. XXXX XXXX can clearly see in the online portal that the payments were made within the 30 day time frame.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-19
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. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX
Consumer complaint received 2019-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated XX/XX/2019
Consumer complaint received 2022-11-20
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. (CA)

I demand that the following account ( s ) /file ( s ) be deleted, all collection efforts cease and any information about this account ( s ) /file ( s ) sent to credit agencies/bureaus be removed immediately!! 
XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$3300.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$19000.00} XXXX XXXXXXXX XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$5800.00}
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/XXXX : mobile deposit of {$14000.00} ; {$1500.00} of that was available, with notice that Remainder would be available on XX/XX/XXXX. 
XXXX : Issuing bank XXXX XXXX XXXX released funds to my bank USAA XX/XX/XXXX : spoke with USAA to request funds be made available since the check was funded. USAA acknowledged check was funded and advised that a previous NSF fee gave them the legal right to hold my funds until XX/XX/XXXX. 
XX/XX/XXXX : XXXX - received email stating funds previously on hold are now available. XXXX - account information shows : current balance {$13000.00} hold balance : {$14000.00} = ( {$1400.00} ) balance. XXXX - Spoke to USAA ; was advised the funds would be made available XX/XX/XXXX & hung up on. XXXX : usaa verbally advised that check return was initiated by back office personnel on XX/XX/XXXX, but they could not provide any official documentation to support this. 
XXXX : check issuer spoke with XXXX  who denies requesting the item he returned.
Consumer complaint received 2020-12-19
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: Certegy Holdings, LLC (CA)

I received a notice from Certegy Payment Solutions , LLC, dated XX/XX/2020, informing me of check cashing transactions that were attempted seemingly on my behalf. In this notice, they provide the last four digits of my " Government Issued ID Number '', i.e., Driver 's License, as well as the last four  digits of my Social Security Number as " Consumer Identifiers ''. 

The inquiries noted in this document list tree separate transactions, all dated on XX/XX/2020, for different dollar amounts under {$1000.00} to the following " Certegy Clients '' : XXXX  XXXX, XXXX  XXXX, and XXXX XXXX. I did not perform any of these transactions, nor did I request any other entity to perform them on my behalf.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: LEXISNEXIS (CA)

I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Lexus Nexus, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.
Consumer complaint received 2020-12-19
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. (LA)

I have submitted all necessary information to do a through investigation with the three credit bureaus the Bankruptcy reporting does not belong to me. I have submitted all supporting documentation to the reporting agencies that supports my claim. I mailed my correspondence over thirty days ago and still have not received a response to the referenced derogatory account.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

After numerous attempts through the years I've requested that XXXX, Equifax and XXXX remove these fraudulent names and addresses from my credit report and they refuse to remove, I've been a victim of fraudulent activity on my credit report.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Brennan & Clark, Ltd., LLC (WI)

I own a small business and was required to have a Workers Compensation Policy. As my business changed, I no longer needed the Policy so I cancelled it. The insurance company claimed I owed premium after I received a refund of my premium over-payments as a result of my cancellation. I informed the insurance carrier and completed the required Audit which verified they actually owed me an additional over-payment of premium. Well, after informing the Debt Collector of this, they repeatedly attempted to collect the payment even after I stated that it was resolved and that they should contact their client -- the insurance company. They said that was not their job and that I needed to pay the amount they are showing. I then requested to have one of the owners of the debt collection company contact me to discuss this matter. After three phone calls he finally returned my voicemail and said he will listen to the call recordings that took place with me. I told him that I wanted to receive an update after that investigation. Again, I left three voicemails again this time over a 10 day period with no response. I do have specific dates and times of my voicemails so please let me know if you would like those as well.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Hi there, Wells Fargo will not allow my PMI to cancel stating that 'their valuation based on public records ' shows my home value went down by $ XXXX. There is no way my home value decreased. I received a letter dated XX/XX/XXXX. I called Wells Fargo today, XX/XX/XXXX and the call representative re-read the letter to me. When I tried to ask what the public records were he said " similar homes '' with no detail. The letter states my only options are to 1. pay the difference ( XXXX ), 2. wait for my home value to increase and continue paying PMI, 3. document significant improvements made ( I didn't make any ), 4. pay {$150.00} for another valuation. 

I refuse to pay extra money to cancel my PMI when the real estate market here continues to be competitive and comps in my area are XXXX more than what I paid. 
Can you help? 
XXXX XXXX
Consumer complaint received 2020-12-19
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: Navient Solutions, LLC. (FL)

Navient has placed incorrect information on my credit report. I became XXXX ill a few years ago and can no longer work. I callled Navient to ask if they could help with reducing the amt of my loan payments. They told me there was nothing they could do and no resources available to help me. My grandmother was my co-signer on the account.They continously called her and a few times threatened her. One man that called her from Navient told her he knows where she lives. Another told her since she lives in FL she must have money and needs to pay immediately. A woman from Navient wanted to go over my grandmothers bills with her. My grandmother thought the woman was trying to help her so she started telling her what bills she pd monthly. When she told the woman she pays a lawn service to cut her lawn, the woman scoffed at her and told her she needs to cancel that service and cut the lawn herself and informed my grandmother to use that money to pay Navient. My grandmother is XXXX years old and just lost my grandfather 2 years ago and lives alone. She is physically unable to mow a lawn! After a few years of going back and forth with Navient between my grandmother and myself, Navient offered a settlement. They wanted a payment of {$640.00} and this would close my acct with them and my debt would be paid off with no repercussions. Navient was PD {$640.00}. On XX/XX/2020. They have yet to report this correctly to any of the credit bureaus. I've disputed this acct with all 3 credit bureaus several times each and everytime the information is changes with the acct to more incorrect information. I don't know what to do ... ..I was evicted from the house I was renting because we missed the last few payments on the lease prior to the lease ending. My son and I are stay I with my grandmother ( unlawfully according to her HOA as its a 55+ community ). I'm currently having no luck being approved for a rental, not because of the eviction ( luckily not on my credit, yet ) but because Navient is playing games with my credit report. There has to be something I can do to correct this. My son and I will be living in the car soon if I can not get approved for a home. 
They offered to settle after
Consumer complaint received 2022-10-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Select Management Resources, LLC (MS)

On XX/XX/XXXX, I asked my brother to take a payment to the title loan company and the representative XXXX XXXX XXXX at the counter disclosed my entire account information with him even though he is not on any loan contract which I have with them. I have made calls to the corporare office to lodge a complaint and I was told that I had to speak with someone at the office where the offense occurred. The store manager said that " I told her not to talk to the relative but she did it anyway '' as a store manager she should have stopped this immediately. They are not taking responsibility for the error in judgment. I want the satisfaction of knowing that no other customer has to endure this unethical behavior. I take pride in my privacy and they have completely violated that by disclosure of financial information to a third party.
Consumer complaint received 2019-01-07
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. (GA)

I have sent off several certified notarized letter to Experian, advising them to remove unverified information on my credit report. They are REQUIRED BY LAW to have a copy of my contract with MY WRITTEN SIGNATURE ON FILE AT ALL TIMES. They do not have a copy of a contract with my written signature on file for the items I have listed. They have been and CONTINUE TO BE IN VIOLATION OF FEDERAL LAW. 

This is a copy of my final letter sent to all three companies. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. There are three of the same items on each credit report that has not been removed. they are in violation of the law and have refused to removed those items even after being made aware of their violation. they do not have any documents on file with my original signature as verification of my alleged debt and they have not sent me any copies as proof.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Finance Company, Inc. (OR)

Bankruptcy, XXXX  XXXX, was filed in XX/XX/XXXX and discharged. A collection agency ; Professional Finance Company , Inc. sent me a collection letter dated XX/XX/XXXX, pertaining to medical debts prior to the bankruptcy. The bankruptcy is public record, the collection agency should have vetted the account prior to sending out a demand for payment.