davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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. (CA)

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a collection/charge off how can there be a late payment on it? This a Violation. Delete this account immediately Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Transaction issue — 
Company: ENCORE CAPITAL GROUP INC. (GA)

In XXXX I was XXXX and had to begin my rehab at the XXXX XXXX XXXX XXXX, XXXX XXXX, and Georgia XXXX of XXXX, GA. Prior to that I had a XXXX credit from which I was never later along with insurance coverage on the card if I was hospitalized or deceased. I was still making monthly payments prior before to the insurance company being notified of my health. When I was able to fill the paperwork the insurance company began my making my monthly payments. 

I was contacted by XXXX to verify my health and the information was provided by my Doctors from all that was handling my medical care, thereby relieving me of this debt annually until my health resumed. I was getting well be still under the doctors care, only to get XXXX XXXX XXXX and when I recover from that in had a XXXX, XXXX, XXXX, all in XXXX, XXXX, XXXX. I have been under doctor care at the VA XXXX XXXX and XXXX XXXX XXXX XXXX for the last 8 years and I am totally XXXX. 

I have despite this claim with XXXX from my credit report dated XXXX XXXX, XXXX confirmation # XXXX indicating that I never signed or open any financial credit card, loan, etc. account with Asset Acceptance Corporation nor have I any legal financial obligations with them. I stated this by letter to them in XXXX and filled out my dispute on my credit report XXXX, XXXX XXXX, an XXXX. According to my loan officer it only appears on XXXX. Asset Acceptance Corporation has continued to leave this fraudulent information on my credit report for years now and I want it removed immediately.
Consumer complaint received 2016-09-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (IN)

On XX/XX/2016 I received communication from XXXX, XXXX, XXXX XXXX XXXX XXXX attorney office. The entity supposedly represents Midland Funding LLC Successor in Interest of XXXX account XXXX. I 've never been in communication with Midland Funding LLC nor received any correspondence that they have authority to collect any such debt from me. What I do know is that Midland Funding LLC is a debt buyer who purchase massive amounts of debt for pennies on the dollar. Then hire entities like XXXX, XXXX, XXXX XXXX XXXX XXXX to send debt notices and if the debtor does n't respond, this attorney office will file a judgement to garnish wages. Never providing proof of their authority to collect and if the debtor is time-based. 

On XX/XX/2016 I responded to the debt notice asking several questions in regards to who this attorney office was, if my debt was time-based and to show proof they own the account. They sent me several credit statements from various years but never answered my questions.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX is the name of the company. I sold my house and closed escrow on XXXX XXXX. XXXX reported me late as far as XXXX XXXX after escrow closed. I was late once at most, not even 30 days late, and they counted it as 2 rolling lates which looks like 4 lates. They have ignored my pleas, calls, letters, and emails. Their company is changing in XXXX to the name XXXX XXXX mortgage and they do n't seem to care. I keep getting the run around, transferred, told to email, then mail, they promised action in 3-5 days, before that 7 business days.I was given an email address that was dead. No responses whatsoever. No response, no letter, no action. I am desperate as I am a retired XXXX trying to get a good home loan out of state. This derogatory information is making it very difficult. I thank you in advance for helping me with this problem.
Consumer complaint received 2019-02-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (FL)

I submitted a complaint with the XXXX XXXX XXXX on XX/XX/XXXX about a charged-off account that I was a joint owner on with Santander Consumer USA , Inc. The company responded on XX/XX/XXXX with a response and submitted documents that were sent out to inform of the defaulted loan in the amount of {$670.00} according to the document and the sale of the auto on XX/XX/XXXX. I was never informed of the default of the loan or sale of the vehicle at auction in writing. The documents Santander submitted all show an address that I have not resided at since XX/XX/XXXX. The documents also show that they were addressed to both owners instead of separately, which if done so the documents would have been forwarded to my address at that time and they were not. I lived at the address in XXXX, FL for 2 years ( XX/XX/XXXX-XX/XX/XXXX ) and did not receive any documents of delinquency. I discovered the charge-off of {$11000.00} by checking my credit report. The joint owner on the account recently passed away due to long standing health complications ( physical/mental ) from the military on XX/XX/XXXX. Still til this day of XX/XX/XXXX, I have not received one physical document in the mail from Santander about this account and my current mailing address is listed on the documents they submitted to the Better Business Bureau. This debt has caused me tremendous problems when it comes to obtaining credit elsewhere and also when looking for a home whether renting or qualifying for a mortgage, which have ended in denials.
Consumer complaint received 2017-02-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XX/XX/2016 I contacted Toyota Financial to see if I could have my XX/XX/XXXX payment moved to the end of my contract. They disclosed that I had to pay all late fees which I did. They sent me a loan agreement that stated the payment for XX/XX/2016 had been moved to the end of the loan contract. On the same document that I signed, it disclosed that the next payment amount was @ {$280.00} but I paid {$300.00} on XX/XX/2016. Now they are saying that I owe more than the one payment that I am past due. Because of financial hardships caused by a house fire, I missed the XX/XX/2016 payment, however, I should only show past due for@XXXX but Toyota shows @ {$1300.00}. I believe that they are doing this as a scare tactic so that they may take my car from me.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There is a hard inquiry on my account that is not mine. XXXX XXXX XXXX has acknowledged that the account was not mine and they removed the account from my credit report, however Transunion will not remove the inquiry that goes along with the account that has been removed. I called and spoke with a supervisor who told me that the inquiry was correct, even though I have a letter from XXXX Bank stating that the account is not mine and that they have removed the account from my credit report. I have attached the letter for proof. I want this hard inquiry removed from my credit report.
Consumer complaint received 2016-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (ME)

I am trying to apply for a car loan and have a security freeze on my Experian account, I paid the XXXX dollars to get this lifted on XXXX/XXXX/2016 and then they XXXX XXXX can back and said they could run file because I had a federal fraud alert on my phone number. My phone number was not listed in my file, I tried to call Experian they would n't help me over the phone so I logged on and put my phone number on file. Then they said I still had a federal fraud alert on my phone number which is impossible it 's the same number I have had for over 15 years. I just unlocked my security freeze 2 months ago and everything ran perfectly I ca n't get any answers or help from Experian and I am going to lose this deal. If I ca n't get this closed by Monday XXXX/XXXX/2016 it will cost my over XXXX in rebates and discounts.
Consumer complaint received 2021-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they havent responded in over 30 days
Consumer complaint received 2019-02-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NC)

Lease was a 36 month agreement, starting XX/XX/XXXX with  Chase Auto Finance with myself as the cosigner and my father as the main signee. In XX/XX/XXXX, my father XXXX   XXXX due to XXXX. Rather than sending further bills to myself, Chase stopped sending the bills despite the lease being pay bill by mail. I called on XX/XX/XXXX and paid by phone after dealing with a customer service representative who assured that all bills would be sent to myself till lease was completed. Instead, however, they continued to refuse to send the bill, all while charging me and adding late fees to my account. They additionally marked myself as having delinquent payments and tanked my credit rating despite never contacting me at all in those months, nor trying to collect. They only got in contact with me on XX/XX/XXXX to try to threaten me with taking me to loan collections, months after they'd already said they'd send me the bills and failed to do so. Further phone calls reiterated that while they had messed up, they refused to do anything about the marks applied to my credit rating as well as blamed me for their failure to send the bill, stating that it was something I could mail in despite never receiving said bill. I paid the next day by providing my bank account information in a call with Chase Auto Finance. On XX/XX/XXXX, they called again to ask about a late payment for yet another bill, despite having said they'd send the bill on the XXXX back when I talked with them and that I had tried to pay everything off just a few days earlier on the phone. 

I inquired then as to the black marks on my credit rating that they had applied, and their response was to to effectively tell me that it was not their problem, and that I was to blame as I could 'send the payment in by mail ' despite Chase Auto Finance never sending said bills. They fully expected me to pay bills off without receiving any and got defensive when I asked how they expected me to pay by mail without ever receiving said bills before terminating the call. Chase Auto Finance has made it clear that they do not care about keeping their end of any agreement signed.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

There was not really a category for my problem. I am trying to setup a connect.experian.com account so i can check the credit of prospective renters. I tried to setup an account and they told me some of the information on file was no matching and that I should request a free credit report then submit the credit file number to setup an account. After doing all that and receiving my credit report they are now telling me that I ca n't set up an account because " I do n't have any credit ''. I have replied to the XXXXXXXXXXXX email and told them I do n't want to share my credit but want to be able to have others submit their credit to me for the purpose of renting. Some lazy CS rep is just cutting and pasting the top XXXX replies into my email without bothering to address my question. Its the classic case of " Question Deflection '', I send them a question and they cut/paste something out of their list.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NC)

XXXX, experian and XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (TX)

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, Accounts has violated my rights. 

Pursuant to 18 U.S.C. 8, I owe no debt, this company is violating my consumer right to privacy pursua to 15 usc 1681 b 2 Company has also no permission to report anything using my info pursuant to 15 usc 1681 4 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 ) ( 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 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I have reached out to Experian 8 times now about false information they are reporting in my credit report. Thus far it has been a year and to my dismay nothing has been done- I have not even received a response from them although my notices were sent registered mail. 
The XXXX erroneous entries are referenced below 1. XXXX Account Number XXXX 2. XXXX Account Number XXXX 3. XXXX Account Number XXXX 4. XXXX Account Number XXXX 5. XXXX Account Number XXXX
Consumer complaint received 2019-02-27
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: Credit Karma (FL)

On or around XX/XX/2019, and entity created an account with Credit Karma, using my SSN and name, to gain access to my credit report/history. Then subsequently begin attempting to open credit card accouts with that information. 

I can not login to Credit Karma using my own SSN as a fraudulent account already exist with a fraudulent email address. Credit Karma has not fraud line or phone number of any kind for anybody. They handle ALL support related issue via one automated email account : support@creditkarma.com.  They are know to be very unresponsive via the portal of communication, weeks and months. For a credit reporting entity this is completely incomprehensible and downright negligent/incompentant. 

Timing is of the essence with ID Theft, at this point, this has a continueal portal to review my credit, my accouts, everything. And I seemingly have no recourse to resolve this with Credit Karma.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have been a victim of identity theft and noticed a few collections on my credit report. I filled out an ID theft document had it notarized per the FTC and XXXX websites. On XXXX/XXXX/16 I sent XXXX XXXX XXXX & Experian a certified letter with all required documents. It 's been over 30 days and nothing has come through. I need you help to get this resolved bc it 's affecting my health and stressing me out. 

Thank you,
Consumer complaint received 2022-02-16
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance XXXX {$0.00} US DEPT ED XXXX Balance : {$2800.00} Date Opened : XX/XX/2011 US DEPT ED XXXX Balance XXXX {$640.00} Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$6900.00}
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

In XXXX 2015, I opened a Bank of America credit card to make a big-ticket purchase from a sporting goods store because of the incentives provided by the credit card. It was the only purchase I made with the card. 

Upon receiving my first bill, I saw that there was a late fee because Bank of America had not received a payment for the previous billing statement. I was unaware that there was a previous statement. I submitted a payment for the full purchase amount, which was posted on XXXX XXXX, 2015, prior to the XXXX XXXX, 2015 due date. On XXXX XXXX, 2015, I contacted Bank of America to close the account and to see about having the late fees etc ... removed. At that time, I was informed that the account was closed, but there was nothing that could be done about the late fees. 

I contacted Bank of America again on XXXX XXXX, 2015, because the bank has begun reporting my account Past Due even though it has been closed for several months. According to the bank representatives I spoke to, my only recourse is to pay the late fees and interest, and then they can request a refund of the late fee ( which is only {$25.00} of the current {$49.00} balance ) as well as a request to update the credit reporting ; however there is no guarantee that either request will be approved. Additionally, I was informed that if had requested assistance with the late fees earlier, Bank of America would 've been able to remove them ; which contradicted what I was told in XXXX. 

I acted in good faith by paying the purchase balance of the credit card as soon as I was aware there was a balance due, and it 's not unreasonable for Bank of America to exercise leniency as a result.
Consumer complaint received 2017-10-14
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: Experian Information Solutions Inc. (MA)

On XXXX XXXX, XXXX I submitted the exact same dispute to both Experian and XXXX, regarding XXXX XXXX XXXX and XXXX XXXX. 

Both credit reporting agency websites rejected the documents I tried to upload so I mailed them via XXXX certified mail on XXXX XXXX, XXXX. I sent the same exact documents to both credit reporting agencies, and copies to XXXX at the same time. ( I had previously complained directly to XXXX XXXX. 

Transunion sent me a notice dated XXXX XXXX, XXXX that they had investigated my dispute and had DELETED both XXXX XXXX XXXX XXXX from my credit report. 

Experian however, notified me on XXXX XXXX, XXXX that they " reviewed the documentation I provided with my dispute, but have determined that we are not able to use it to make the changes or deletions you requested. We are contacting the furnisher of the information or the vendor who collected the information from a public record source. '' I received a notice dated XXXX XXXX, XXXX that Experian " updated '' the information in my report. The cover page of their notice states " OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ''. While I do not see XXXX XXXX displaying on the report, there is no indication in the report that they have actually deleted any information from my credit file. This seems to be a misleading statement intended to lead me to believe the information was deleted when it in fact is just not printed. 

Also, Experian explicitly stated that it " updated '' the XXXX account, but the information is not materially different to what they had before, which is still FALSE information. 

It is my understanding that if one credit reporting agency receives credible information that results in deleting accounts, then that credit reporting agency has procedures in place to notify other credit reporting agencies as well as the furnisher.
Consumer complaint received 2016-04-26
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TRANSWORLD SYSTEMS INC (NV)

On XXXX XXXX, 2016 I wrote to Transworld Systems Inc at XXXX XXXX XXXX XXXX XXXX and informed them that under the Fair Debt Collections Practices Act that I did not want any further contact from them. Then on XXXX XXXX, 2016 I received a letter from them including attachments. This letter is still demanding payment.