davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I submitted this complaint back on XX/XX/2018 complaint # XXXX Which was a follow up complaint. XXXX wrote back that they fixed the debt and released it from collections. They have done this twice. 

The account was transferred to the FTC and upon calling today is an additional dispute case open XXXX. 

Back in XX/XX/2018, After a lengthy numerous phone calls, XXXX promised that I would not have to pay a termination fee as we discussed with the representative since I was in a car accident and wanted to cancel service. 

That termination fee keeps popping up as a debt owed. It is not. 

They have relieved and resubmitted this debt many times, its frustrating. The last we spoke I cancelled out the account at XXXX. Now I have frivolous charges and predatory collection companies placing derogatory remarks on my credit, a violation of the fair credit reporting act. 

IC Systems has never had a contract with me and Is reporting the debt as owed, when XXXX relieved it long ago. IC systems is in violation of the fair credit reporting act and also has no fair way of communication when I call in. Predatory company seeking financial gain from innocent consumers.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Unknown XXXX XXXX XXXX XXXX XXXX XXXX-multiple times XXXX XXXX-Unknown XXXX XXXX XXXX-Multiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX-Multiple times under different names
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance Owed : {$13000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$15000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX  Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPEDNXXXX XXXX  Balance Owed : {$0.00}
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

I am enrolled in a debt settlement company, who has sent the company ( XXXX XXXX ) a durable power of attorney to settle my debt. I have answered two phone calls from the company trying to collect the debt and have told them to stop contacting me and contact my durable power of attorney holders to settle my debt. They continue to call 4 times a day, every day, and they have now contacted my family members despite requests to stop. This is an invasion of privacy and against the law to continue to do so.
Consumer complaint received 2022-04-01
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion 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 XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$4100.00}
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kirschenbaum & Phillips P.C (NY)

There was a XXXX XXXX XXXX mobile phone Bill, that was My Ex wives, some how they attached my social security number to this outstanding bill, This Was XX/XX/2006, the total amount due was {$1900.00}, Kirschenbaum & Phillips threatened to sue and place a judgement against me. They took me to court, I agreed to pay the {$1900.00} in installments, I got sick couldnt make the payments, Somewhere in between there is this company XXXX that now has the default judgment, I was never notified, so now Kirschenbaum is saying I owe them {$4300.00} I contacted them and I was told they have received {$1000.00}, so I told them I would give them {$900.00} and that would be the original {$1900.00} that was owed, the will not settle for less {$3900.00}
Consumer complaint received 2017-11-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (VA)

On XX/XX/2017 at XXXX XXXX, I received a denial for a recent application. I did not reapply nor did I ask or authorize this company to make an inquiry on my credit. They will not be to provide you a call recorded nor a documented app or request for higher loan limit. 
Especially since I am an existing customer with current loan already. So that is more evident I did not apply. This is the second time they have done this in the past two years ; apply for a hard inquiry on my credit that was not initiated not authorized by me. I want them fined and penalized.
Consumer complaint received 2017-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

Caine & Weiner Company Inc falsely claims that I owe {$390.00} to XXXX XXXX XXXX XXXX on XXXX XXXX. I recently opened up my first credit card with XXXX XXXX Bank on XXXX XXXX so this debt is unquestionably invalid. This debt was owned by my father with the same name as me.
Consumer complaint received 2019-05-13
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: General Motors Financial Company, Inc. (MA)

XX/XX/XXXX GM Financial XXXX. XXXX  XXXX XXXX, AZ XXXX To whomever it may concern : GM Financial Account Number : XXXX I am reaching out in regards to my above listed account and the negative reporting GM Financial has submitted to the credit bureau. As of XX/XX/XXXX I have provided GM financial with my registration cancellation receipt as have requested. The XXXX XXXX vehicle I had financed through them was totaled in an accident. I had purchased the vehicle in XX/XX/XXXX and therefore I should not be responsible for the tax in the amount of {$430.00} tax from the XXXX Municipal Tax Collector. As you can see form the attached documents this information was submitted in XX/XX/XXXX as you requested ( Fax Confirmation ). 

My most recent credit report shows that GM Financial has reported this as unpaid and past due. I have spoken with GM financial several times and each time they have confirmed that the tax abetment was approved but they have failed to take any action to have this removed. I have spent several hours on the phone with GM Financial and several weeks waiting for replies. As of XX/XX/XXXX, six ( 6 ) months have passed and they have failed to take action on this. I have also opened several disputes with the credit bureau and each time they reach they have come back with confirmation from you that this amount is in fact past due on my account and the reporting can not be removed. 

They have shown to be very irresponsible with how this matter was handled. I have been patient and provided all info they have required, but this matter is affecting me financially as I am unable to refinance my student loans and apply for a mortgage due to this. I am very disappointed that they have not taken ownership to see this matter through and have allowed it to continue for this long. I have requested a simple letter form them to provide to the credit bureau but after confirming they would provide it over a month has passed and I have not received this information. 
This will be the last step I take before taking legal action towards them for damages due in accordance to the interest paid in loans that I am unable to refinance and have to pay higher rates on due to this reporting. 
I am very disappointed that this matter was not handled accordingly. 


Sincerely, XXXX XXXX
Consumer complaint received 2017-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

Debt collector CBA collection bureaus ( original creditor XXXX XXXX XXXX XXXX XXXX ). Opened XXXX XXXX,2015 is trying to collect debt that is invalid. High balance {$140.00} ( balance {$170.00} ).  The debt collector has illegally tried to collect debt thats invalid, theyve illegally inflated this debt and IF this is valid I havent received an original contract of my signature.
Consumer complaint received 2019-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Im in the process of refinancing my loan. 
My current loan is with Franklin American Mortgage. Due to the government shutdown early this year my loan was placed in forbearance however I was never late on any payment and my loan was always kept in good standing. During the refinance process the under writer requested a letter from Franklin mortgage stating my loan is out of forbearance, in good standing and that Franklin would remove the forbearance issue from my credit report. Franklin agreed to sent a letter to the under writer in 24 hours on XX/XX/XXXX today is XX/XX/XXXX and there is no letter. 
My credit report continues to be affected and so is the refinance process
Consumer complaint received 2019-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, Thank you for helping me update my credit report in the following complaint Re : Account ending in XXXX Capital One Case : XXXX CFPB Case : XXXX However, Capitol One has reaged the account which has caused many problems. Capitol One has listed the date of first delinquency as XX/XX/2019 ( see attached proof ). This has caused my scores to tank. 

I would also like to say I love Capitol One. I have 2 credit cards, my wife has one with Capitol One. I also have an auto loan with Capitol One. 

Also we are selling our house and have substantial equity and will be opening a new checking account with Capitol One to deposit these funds. 

I just don't want this complaint to come off hostile. I just don't know any other way to talk to a human about these issues. 

That being said this is a major violation of the FCRA. Please delete this tradeline fro all three credit bureaus. 

Thank you XXXX XXXX
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

This agency mailed repeated collection notices to my son and shared confidential information in those notices. This was an account they purchased from XXXX after bank would not accept a 5 year payout plan ( I attempted to settle with XXXX ) in 2012 after property was wiped out in a coastal storm. This debt is 7 years old and should be removed from my report. I will not negotiate with these loan sharks! They refuse to remove this from my credit report although they agreed to no longer contact me or other relatives. Thats not acceptable!
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I have tried to work with XXXX Comenity Bank. There backend system does not have an alert system built in to notify the customer when a payment is due. Comenity Bank 's Parent company Alliance Data also owns XXXX XXXX. Tell me why XXXX XXXX has all the bells and whistles to alert the customer of a payment not being received on the day due, but yet Comenity Bank ONLY sends 1 email notification for the statement. They have no other email sent, AND they also do not offer any type of alert system like text or email notification within x amount of days when bill is due like 99 % of credit cards I own. 

XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, they all have some type of alert system. Comenity   claims they don't have this because they aren't a typical Mastercard or Visa card. 

Comenity Bank also charges the industries HIGHEST fees for late payments. {$39.00}!
Consumer complaint received 2019-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I went online to make a mortgage payment. Online the website says that late fees will charged after the XXXX of the month. I made my payment on the XXXX and was charged a fee of {$6.00} to make the payment. I then called to ask why the payment was {$6.00} higher than my actual mortgage payment and I was told that this was the fee to make a payment online after the XXXX of the month, and it wasn't technically a late fee, it is a processing fee. But there is no " processing fee to make the payment prior to that date '' clearly making this a late fee. I was also told that I could have called and made a payment over the phone at no charge. 
This is clearly deceptive as it is not clearly disclosed on the website as the website only references there being a fee after the XXXX. They use deceptive terminology when calling them in an attempt to con the payer by calling this fee a processing fee. But in reality it is a late fee as it is only triggered when making the payment beyond a certain date. I spent 40 minutes on the phone and spoke with 4 representatives. The last one told me to call back in couple of days.
Consumer complaint received 2024-02-21
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. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want an explanation as to why my Trans Union credit score is XXXX points lower than my XXXX score. My Trans Union credit score is XXXX. And my XXXX score is XXXX. 

Why is there a XXXX disparity between the two scores? I understand and am accustomed to a XXXX - XXXX point differences between reporting agencies ' scores, but never one as large as XXXX points. 

Further, I believe XXXX is correct and Trans Union, incorrect.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

WHAT DOES RACIALLY DISCRIMINATION MEAN TO A BANK / SERVICER / LENDER AND EVEN THE ATTORNEYS THAT REPRESENTS THESE AGENCIES? 
I got my mortgage loan from XXXX XXXX through a mortgage broker on XX/XX/XXXX. The loan that I agreed initially was not the terms that I signed during the closing. But before I signed the document, I called to the mortgage broker to get him to correct the errors. But the broker assured me that due to time restrain, we should proceed to closing and get he would get the pre-payment penalty restriction to be removed and Interest-Only changed. After closing I called several times but to no availed. Meanwhile I was still making my pay and hoping that the error would be corrected ; but to my surprise from the Servicer at that time ( XXXX XXXX XXXX ), I could not refinanced the loan without paying for the prepaid penalty. 
On XX/XX/XXXX, since XXXX XXXX XXXX was handling the file, I decided to request for the Beneficiary of my house Note. These requests continued until XX/XX/XXXX, when XXXX produced a fake name of a Beneficiary ( XXXX ) and address of which a certified mail was returned undelivered. 
On XX/XX/XXXX, the Servicing of my loan was transferred to Ocwen Loan Servicing. I continued to request the same Note Holder 's information and the title information, but always receiving partial documentation ; hoping that I would stop my requests. 
On XX/XX/XXXX, Ocwen handed my file to XXXX XXXX XXXX XXXX XXXX for trustee sale. I tried to contact the trustee by both telephone and a fax within 20 days of Notice of XXXX to talk to them, but they refused to answer my correspondence. 
On XXXX XXXX while the trustee was preparing to auction the house, I found a House Bill Report XXXX XXXX which proof that I was within my legal right to request all the documentations and also meeting to resolve the issue before even the Notice of Default could be issued. Even though, the Trustee stop the foreclosure for the " meet and confer '', it was for a short time. It was my understanding that Notice of Default could not be issued until " meet and confer '' had been satisfied. But, Ocwen Loan Servicing and XXXX XXXX XXXX XXXX had teamed up and turned a deaf ears on my requests since I 'm XXXX and having a house in a most sought for in a XXXX XXXX XXXX, had blindly ignore the law and continue to harass me with their premature foreclosure notices.
Consumer complaint received 2024-02-21
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. (FL)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraudXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX, XXXX  Inquiry Date XX/XX/XXXX and XXXXXXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX
Consumer complaint received 2024-02-21
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. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX XXXX were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. Fed loan services has fraudulently reported late payments to my account.
Consumer complaint received 2020-05-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (GA)

Someone from RENT RECOVERY SOLUTIONS contact me in regards to a account that I dont know for some past due payments that I dont know about to which how they have put a derogatory mark on my credit report with XXXX