davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Hello. I was trying to access my funds and my card declined on XX/XX/XXXX at approximately XXXX. I called the bank ( USAA ) and a representative told me my card was not blocked and to try to make a purchase again. She stayed on the phone with me and she witnessed that my card was declined again. She said it may be the card reader and she told me to try a different location. After having my card declined again, I tried to withdraw funds from an atm machine but to no avail. I called back and explained to XXXX that I am trying to access my funds. In the midst of her asking me a few questions, I began to lose phone connection and I asked her to give me a call back. When she called back, the phone rang once before disconnecting. I called back and spoke to XXXX. XXXX was not very helpful. She asks me why I was sending and transferring money. I told her it is time to pay rent and bills, i should not have to explain why Im moving my own money. She then asked Are you aware that it may take up to 10 days for a cashiers check to clear. I told her I am not aware and I do know that ; I told her I can spend my money any way I choose to. She asked me why I made XXXX transactions right after a deposit was made. I told I her have to pay bills and I do not dictate how she spends her money so I demand the same respect. She placed me on hold for a few minutes and when she returned, she stated that my acccount will be disconnected and I will owe and negative balances and she spewed out more info before she abruptly hung up. I do not understand why my account is being closed ; I did not get a chance to ask any questions. I feel discrimabated against, I received money from a sales transactions and I feel like USAA is withholding my funds. I have been a loyal consumer for years and I feel that I was pushed aside.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

So I've sent several disputes to Experian asking them to remove several accounts from my credit report and not only have they not actually done it yet but they haven't even responded to not one of my dispute letters. I am so freaking frustrated and confused because not only have I had to spend time writing these stupid dispute letters now I'm having to spend even more time writing this complaint because I am not receiving any responses back from Experian. Thank XXXX XXXX  and XXXX have been great and I haven't had to spend too much time getting their help since I am getting responses back from them and they are doing what I am telling them to do. I also thought there was a law saying these guys only had 30 days to respond back to my inquiry?? Well it's been way more than 30 days so I just want to know what the heck is going on here and why they aren't removing these collections and charge-offs from my credit report.
Consumer complaint received 2017-04-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duvera Billing Services, LLC (OH)

This collection account just appeared on my credit report. It is not mine. It was removed before as the company was unable to provide debt validation years ago and it has appeared again. There was not any notification at all. No dunning letter. The credit reporting agency did not send me a notice that this is being reinserted after years of being removed. This is not my debt and I want it removed right away.
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

On XX/XX/XXXX a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this, I contacted XXXX/XXXX  XXXX XXXX XXXX who investigated the same and verified that the contract employee had fraudulently signed the previously mentioned agreements in my name. XXXX XXXX XXXX XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services in a timely manner and yet I am still being billed for services that I did not agree to receiving. 

Collection efforts are now being instituted against me by ERC located at XXXX XXXX XXXX, XXXX, FL XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein. 

I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was very familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she would be willing to verify this fact in writing if need be.
Consumer complaint received 2017-08-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (TX)

Ocwen has claimed to have a valid transfer of assignment of our mortgage loan. The issue is that the transfer of assignment was filed by a known robo-signer XXXX XXXX. I have been able to observe varying signatures of XXXX XXXX that has been filed in county land records office. 

Can Ocwen please explain why, if the transfer of assignment is valid, does XXXX XXXX signature vary in the attached documents that have been filed in a county land records office from XX/XX/XXXXto XX/XX/XXXX to a Mortgaged Backed Security trust that was closed years earlier? 

If XXXX XXXX has been noted as a robo-signer, how is the transfer of assignment valid? How is a document signed by a known robo-signer compliant with the new servicing standards and the Ocwen National Servicing Agreement?
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

I had issues with ID Theft. Reported to WF, Iost over {$5400.00}. They said they investigated and closed my claim. This was in 2018 and I never received any of my. Money back. I sufferehuge financial injuries because they were inept at investigating my claim.
Consumer complaint received 2023-01-27
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. (IL)

XXXX XXXX XXXXNVESTIGATION was not complete, and they did not do their due diligence. They are willfully being noncompliant with the law. The following accounts are not on any other reports but XXXX, this is still inaccurate, incomplete and now in noncompliance which are all violations. The accounts they are willfully in noncompliance with are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but it is on XXXX with different information and on Equifax with different information. Inaccurate violations as well for XXXX AND EQUIFAX. Every thing must be complete and accurate. Most of the information on my credit file is inaccurate and incomplete.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XXXX until now I've reached out multiple times via phone, mail, and even online chat with no responses from the bureau in regards to inaccurate info on my report!
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Recently, a payment was made on the account to cover the total balance of the account for the Credit Card issued by Capital One. Capital One refused to make the credit available, citing that they would need to wait up to 9 days in order to verify that the payment cleared through my bank account. After two days, I verified the payment was taken from my bank account. Capital One still will not make the credit available, but they decided to post interest right away on the account. 

I've also reached out to XXXX XXXX who has not responded to my claims.
Consumer complaint received 2017-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Global Payments Check Services, Inc. (MI)

On X/XX/2017 Company : Global Payment deducted {$100.00} from a debit card that I never authorized for them to store. This was a debt that I would make Bi-weekly payments until it was paid off. The payment was taken out not only without my approval but from a card that was never authorized for them to keep on their records.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I paid off the XXXX note, but they didn't give me the exact payoff on the date I paid it. Obviously, they neglected to include an imminent accrued interest of {$5.00}. So {$5.00} was left owing on the note. I actually asked for the current payoff on the telephone and PAID IT THAT DAY, so this was the clerk 's mistake for giving me the incorrect payoff. The clerk also confirmed the note was paid in full at the time. It was not until the " late payment '' showed up on my credit report that I even knew there was an issue. ( I did not receive any additional payment requests ) At the time, I spoke with XXXX, they apologized, I paid the {$5.00} and they assured me my credit rating would be returned to " Paid as Agreed '' but I see it is STILL showing I was delinquent. Since the company didn't remove the error as they agreed, I felt you were my only option to getting this issue resolved.
Consumer complaint received 2023-01-27
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. (IL)

EXPERIAN 'S INVESTIGATION was not complete, and they did not do their due diligence. They are willfully being noncompliant with the law. The following accounts are not on any other reports but EXPERIAN, this is still inaccurate, incomplete and now in noncompliance which are all violations. The accounts they are willfully in noncompliance with are the following : 1 ) Account # XXXX XXXX XXXX XXXX 2 ) Account # XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX  XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX is not on EXPERIAN but it is on XXXX with different information and on XXXX with different information. Inaccurate violations as well for XXXX AND XXXX. Every thing must be complete and accurate. Most of the information on my credit file is inaccurate and incomplete.
Consumer complaint received 2023-01-27
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. (IL)

XXXX XXXX XXXX was not complete, and they did not do their due diligence. They are willfully being noncompliant with the law. The following accounts are not on any other reports but XXXX, this is still inaccurate, incomplete and now in noncompliance which are all violations. The accounts they are willfully in noncompliance with are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on XXXX but it is on Transunion with different information and on XXXX with different information. Inaccurate violations as well for TRANSUNION AND XXXX. Every thing must be complete and accurate. Most of the information on my credit file is inaccurate and incomplete.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-01-28
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: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I opened an email from my bank, XXXX, that a derogatory account was on my credit report. I went to Experian to review my credit and found a loan for over {$68000.00} with XXXX XXXX XXXX. I've never taken out a loan with XXXX XXXX XXXX nor do I currently have a vehicle with a lien against it. I contacted Experian and XXXX XXXX XXXX on Tuesday, XX/XX/XXXX to dispute this information. I have yet to hear a resolution from either of them. I also contact the auto dealership ( XXXX XXXX in XXXX XXXX, XXXX  ) where I believe my identity was used to purchase the vehicle.
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Account Resolution Services has place a negative item on my credit report ( s ) they are attempting to collect on an alleged debt in the amount of {$1000.00} a medical bill that I have no knowledge of. The original creditor is : ( XXXX XXXX XXXX XXXX ) I DID NOT RECIEVE A WRITTEN NOTICE ABOUT THIS DEBT and was never a patient at the above mentioned medical facility. Nor was I contacted by phone or email regarding my rights to dispute this alleged debt or to request validation of this debt which are my rights as a consumer pursuant to the FCRA and the FDCPA. 

They may also be in violation of the HIPAA guidelines regarding 3rd party medical information. This agency took it upon themselves to just place this information on my reports without due process. Which is why I pray that CFPB will investigate this matter, and this agencies illegal collection practices. I am very distressed about this especially with the impact of Covid-19 and this item has placed harm to my good clean credit rating
Consumer complaint received 2021-02-21
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC (PA)

Pease be advised that I requested validation from the collector of this account. I received a response that clearly violates my Hipaa rights. The collector did not provide me a Hipaa release that releases my medical information to them. Therefore by providing such information they are in violation of my Hipaa rights. I also feel that their response to my request for validation amounts to nothing more than a stall tactic which is also illegal.
Consumer complaint received 2022-01-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (MA)

Payment Date Status Amount Principal Interest Fees XX/XX/XXXX Returned {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Paid {$200.00} {$0.00} {$200.00} {$0.00} XX/XX/XXXX Returned {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Returned {$210.00} {$26.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$21.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$18.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$14.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$12.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$10.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$8.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$6.00} {$210.00} {$0.00} I have tried to call them to settle the debt. the first lady said i could settle the debt for the amount I had gotten for the loan which is XXXX. I have already paid this company nearly double XXXX $ has already gone to them. I currently not working and am looking for a job. This also did not show up on my credit report of them checking my credit or even reporting it to the bureaus. I would like this to be taken care of but I do not know what to do. They told me i still owe them another XXXX XXXX that is double of what I borrowed.
Consumer complaint received 2021-02-21
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. (MO)

I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  - G Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX Inquiry from XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX  XXXX, XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 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 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 2023-04-04
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. (AZ)

There is an inquiry on my Experian credit report from XXXX XXXX XXXX on XX/XX/ that I did not authorize, nor do I know who the merchant is.
Consumer complaint received 2018-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

In XX/XX/XXXX, I became aware of a 30 Day Late derogatory mark on all three of my credit reports ( XXXX, XXXX, XXXX  ) on a loan I am the cosigner on held by XXXX XXXX XXXX for the month of XX/XX/XXXX. The loan was paid on XX/XX/XXXX in the amount of XXXX dollars before the due date of XX/XX/XXXX. I alerted XXXX  ( XXXX XXXX XXXX ) of this error on XX/XX/XXXX via their live web chat customer service portal. The agent explained that there was nothing he can do, because XX/XX/XXXXhad 31 days in the month the payment was still late despite the actual due date on the mailer being XX/XX/XXXX. I explained to the agent regardless of XX/XX/XXXX having 31 days in the month that the payment due date on their mailer stated XX/XX/XXXX due date, as long as the payment was submitted before this date the derogatory mark should never have been placed on our credit report. The agent held firm to his position which is why I have engaged the CFPB to assist me in arbitration with XXXX  ( XXXX XXXX XXXX )
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OR)

NELNET has confirmed that they are reporting incorrectly on my student loans. They show delinquent in XXXX of 2013 when in fact the loans were deferred during that time. The credit bureaus fixed one of the accounts but continue to show the other one as delinquent. I finally thought this was resolved only to get my latest credit report with this loan still showing as delinquent. The credit bureaus need corrected information for BOTH loans on this account. The loan with original balance of {$10000.00} has been corrected. The loan on this same account with original balance of {$6000.00} is still showing as delinquent. Please remove this information as promised in your letter attached in this complaint.