davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
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 have submitted confirmation of payment on accounts listed unpaid on my credit to XXXX, Transunion and XXXX SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors.

Creditors:

XXXX XXXX/XXXX- paid in full XX/XX/2018 XX/XX/XXXX

XXXX XXXX XXXX- settled and paid on XX/XX/2018

XXXX XXXX-settled and paid on XX/XX/2018XXXX

These accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (GA)

The Receivable Management contacted me in XXXX, in reference to a debt owed to XXXX XXXX. I stated to the collections company to stop contacting me, due to the fact I do not owe Receivable Management monies. They area third party hired to collect on a " paper '' debt from another company in the amount of {$130.00}. I specified to " XXXX '', there is not a debt owed to Receivable Management by me, due to no contract. By law, there is no documentation in which services was rendered or provided through a written contract in which there is a debt owed. The agent " XXXX '' stated to me it will show on my credit report and cause me to not be able to apply for credit. She continued to raise her voice after I stated her contact was illegal in that tone. There was another call 2 days after from a male agent who insisted on forcing me to make a payment plan for the XXXX. I do not owe any monies to Receivable Management and the agent told me that was a lie. I continue to get multiple calls even after advising them to stop.
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CSO Financial (OR)

I was served papers of my debt. I called debtor to resolve. they had me sign an unfeasble paymeny option or I would be taken to court and sued.i felt under pressure. I actually satrted to feel anxiety. I then asked if I/We could make an payment arrangement and was denied. Now I HAVE TO PAY IN FULL.
Consumer complaint received 2022-08-17
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. (LA)

I've tried to get these issues fixed on more than one occasion. I've also sent a complaint to my local Senator 's office because I'm not getting any results. What's most upsetting is, that I've sacrificed my life for this country, and now a XXXX Veteran is being treated unfairly in my country. I asked for an investigation that was not thoroughly completed. I sent letters out on XX/XX/2022 ; XX/XX/2022, and XX/XX/2022, to XXXX, XXXX, and Equifax. Here is my tracking XXXX ; XXXX ; XXXX. However, the credit bureaus said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My home had a major water leak problem and my insurance company sent me a check for $XXXX   as settlement but the check was made to both me and PennyMac my lien holder.  Repair work was completed 6 weeks ago and PennyMac sent an adjuster to certify that all repairs were done and he did that on XX/XX/XXXX (my claim # is XXXX).  Since then PennyMac has on four occasions told me by phone that MY MONEY was being sent to me,  on the past 3 occasions I was told it was being sent the next day by XXXX since they had been advised that  I was going to be out of the country for an extended time.  I leave tomorrow and no check.  I believe that they are operating unethically and have a practice of withholding clients money to profit from the float .   They are cheating California residents in ways similar to the XXXX XXXX problem.  I strongly request as a large VA Tax payer,  business owner and voter that an investigation be started to see if this is a common practice by PennyMac.   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX.  XXXX
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc. (GA)

I saw in my report from years ago that I have Medicare because I have XXXX XXXX and this happen years ago. I advised that I'm on Medicare/Medicare back when I went to the Dr . I gave my info to the hospital and I was told it was not filed by the 3rd party. I never knew this was on my acct until I applied for a house. I did a dispute and they denied it twice. I sent the card to the hospital and I thought it was paid. It was not paid and now they have this on my report. I have Medicaid/Medicare and I sent proof. Please have them take it off. The 3rd party is harassing me and I advised them.
Consumer complaint received 2022-08-17
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)

XXXX : The previous dispute was on XX/XX/XXXX todays date is XX/XX/XXXX and XXXX  is still refusing to remove the accounts that I have reported to them as fraud due to identity theft i have provided them police reports and they told me that the police reports haft to have all of the fraudulant items listed in order for them to even investigate it. I have also previously filed a complaint on them through cfpd this is my last time before seeking legal action XXXX  is in violation of my rights due to the negative items i am unable to get a job a place to live i cant get a car my previouse place of residence i was evicted because of my credit this is ruining me and affecting me mentally. The fraudulant accounts are. 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 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 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 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 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 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 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 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 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 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 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  In the description i have listed all of the fraudulant open /closed accounts and inquaries that are not mines they all need to be removed
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (FL)

XXXX MEDICAL DATA SYSTEMS I ) at ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ) has been sending me collection notices in the amount of ( {$790.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2022-07-08
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 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 2023-05-11
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. (VA)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX have 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 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2021-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CO)

I purchased a pair of shoes from XXXX XXXX for {$30.00}. They offered a store credit card from Comenity and I signed up because I thought it would help me increase my credit score. They never sent a bill. I called twice to ask about the amount due and to make payment. I was told I would have to wait until I received my bill. I became very wary of the company and closed the credit card account. This is evidenced by the entry on my credit report of Comenity closing the account on XX/XX/2021. When the bill finally came, I made prompt payment on XX/XX/2021. The check was not processed by the company until XX/XX/2021 and after they charged a late fee and minimum interest charge on the account of {$37.00} on XX/XX/2021. I called to tell them the credit card account was closed and that we payed as soon as we received the delayed delivery of the statement/invoice. They refused to take action or even acknowledge the account was closed. I have spoken with them three times since. The purchase has been fully paid for. They refuse to close the account and continued to charge a late fee and minimum interest fee of {$37.00} per month on the closed account, charging interest on the interest and late fees. The fees have now added up to {$100.00}. Again I called and told them I was going to file a complaint and again they refused to do anything. Their actions in causing the delayed invoice/statement feel intentional and an abuse of fair consumer credit practices.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

On XX/XX/XXXX, Scammers were able to access my savings to transfer XXXX to my checking account. I was lead to believe the transfer was a deposit made by the callers and was told I should send a wire transfer for the amount to their account at XXXX XXXX in California. I went to my America First Credit Union to make the wire transfer. The teller asked if I had done prior business with this company. I replied XXXX because the scammers told me they were from a company who I paid to fix my computer back in 2021. My complaint is that the teller and his supervisor were perfectly aware that I was being scammed, Still they allowed the wire transfer to take place. I spoke with another tell at that branch about policy and procedures regarding these types of scams and she told me that they are supposed to inform the customer of what they see is happening and stop the scam from being completed. My complaint is procedure was not followed by my teller even though he was totally aware I was being scammed. I pay extra for premium checking which gives extra protection to your savings account. making it harder for someone to hack. My other complaint is with the branch XXXX who failed to try and stop the transaction with XXXX XXXX even though it was reported less than XXXX minutes after, I want America First to take responsibilities and make up the loss which could have been prevented. This is a joint account but your form only allows for XXXX name to be entered as the account holder.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed for chapter XXXX bankruptcy over 12 years ago, it has been discharged for over 10 years and it is still showing on my credit report and they have not removed it
Consumer complaint received 2022-08-17
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 (NJ)

Back in XXXX of 2020 when the pandemic had me out of work for almost a year and half, I missed one payment with my lender, and it was reported during that time. I need help getting that missed payment removed from my credit report. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides this one unfortunate incident. Ive still remained a loyal customer to this lender despite all that has occurred.
Consumer complaint received 2022-08-17
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: Specialized Loan Servicing Holdings LLC (IN)

Hi, this servicer ( Specialized Loan Servicer, XXXX XXXX XXXX. # XXXX, XXXX XXXX, CO XXXX XXXX ) ( XXXX ) has been negligent in the way they handle their clients information. They continue to report business loans on my personal credit in error. I've called them on similar previous issues and after much time and effort they would acknowledge the error and remove the incorrect reporting. This is happening once again, they now show one active account on XXXX credit report ( after i complained it showed on my XXXX and they removed it ), balance of {$100000.00}. They also still show multiple " closed '' accounts on my XXXX report that is impacting my credit report. Please please please make sure they correct these errors and prevent them from reporting incorrectly again, this is preventing me and my new wife of purchasing our new home with all these commercial loans showing as active or closed on my credit reporting agency reports. Thank you!
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I filed for chapter XXXX bankruptcy over 12 years ago, it has been discharged for over 10 years and it is still showing on my credit report and they have not removed it
Consumer complaint received 2021-11-23
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results, this is unacceptable and needs to be resolved ASAP.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AZ)

In or about XXXX/XXXX I cancelled a cell phone I was on month to month with through XXXX, but was still being charged monthly for the bill. I was sent to collections and disputed it and won. It was removed from my Credit. Approximately 4 or 5 years later it was put back on my credit, I disputed it and even had to go to the Arizona Attorney Generals Office to have it removed as not only was the charge not legitimate since I was being charged AFTER cancelling the month to month phone, for several months with the phone being shut off, but it was past Arizona Statute of Limitations Law ARS 12-543. Limiting the collection of a non contractual debt in AZ to 3 years. After the AZ AG was involved they had it removed from my credit, and now all of a sudden with no warning, no call, no mail, nothing, it is back on my credit report. The Supposed " debt '' is now over 7 years and violates AZ state law and violates the FDCPA laws. 

XXXX XXXX. Oral debt ; stated or open account ; relief on ground of fraud or mistake ; three year limitation There shall be commenced and prosecuted within three years after the cause of action accrues, and not afterward, the following actions : 1. For debt where the indebtedness is not evidenced by a contract in writing. 

2. Upon stated or open accounts other than such mutual and current accounts as concern the trade of merchandise between merchant and merchant, their factors or agents, but no item of a stated or open account shall be barred so long as any item thereof has been incurred within three years immediately prior to the bringing of an action thereon. 

3. For relief on the ground of fraud or mistake, which cause of action shall not be deemed to have accrued until the discovery by the aggrieved party of the facts constituting the fraud or mistake.
Consumer complaint received 2023-03-28
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. (NV)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX NV ) XXXX XXXX XXXX {$2900.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX ) XXXX Balance : {$900.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2019-01-14
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: SYNCHRONY FINANCIAL (TX)

XXXX XXXX Credit Card {$1500.00} Closed acct was current XXXX XXXX Credit Card {$160.00} Closed acct was current Wal Mart {$1700.00} filed suit against me Case No. # XXXX Justice of the Peace No. 4, Place 2 in XXXX XXXX, Texas on XX/XX/2019 Plaintiff XXXX XXXX XXXX XXXX. They closed this acct I may have been late less or greater than 30 days.

XXXX Credit {$600.00} Closed acct was less than 30 days late when closed.

XXXX Master Card Credit {$1200.00} closed acct was current.

XXXX Master Card Credit {$1000.00} closed acct was current.

XXXX XXXX Credit {$1200.00} XXXX XXXX Card {$600.00} XXXX Mastercard {$2700.00}