davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
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. (NV)

BILLING DISCREPANCY BUT THEY CHARGED IT OFF WITHOUT NOTICE SO THIS ACCOUNT NEEDS TO BE REMOVED IF IT IS CHARGED OFF YOU CAN NOT STILL TRY TO COLLECT, PLEASE ISSUE 1099C AND REMOVE THIS INNACURATE DATA FROM MY REPORTS 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2022 XXXX, 2022 XXXX, 2022 Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by XXXX XXXX Worst Delinquency XXXX days past due None Reported Charge Off/Other Derog Balance {$53.00} {$53.00} {$53.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 5 % 5 % 5 %
Consumer complaint received 2021-12-02
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. (NY)

I am XXXX XXXX and I am submitting this complaint myself. The accounts are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

Attached is a timeline starting from XXXX XXXX,19 documenting  dates/times/SPS rep names of phone conversations. I am Appealing SPS 's continued practice of illegal Dual Tracking while in Active Modification, as well as in legal disputes, and while waiting for SPS responses to my written requests. During this entire time SPS has ALWAYS held a sale date over me signifying they are not serious about modifying my loan but taking my property away with foreclosure. I am reporting SPS 's deceptive, unfair business practices, deceitful, non-transparent dealings as well as dual-tracking violations.
Consumer complaint received 2022-11-19
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (IL)

they called XXXX XXXX time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on On XX/XX/XXXX and XX/XX/XXXX each time this company [ AMERICOLLECT INC ] add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MS)

I signed up for Equifax 's XXXX XXXX XXXX on XX/XX/2017. This was after being told I was XXXX of XXXX XXXX people " possibly compromised '' by their so called data breach announced in XX/XX/2017. 
The service was offered free with the promise of a credit report copy, a credit lock on my personal credit report, and credit monitoring from the three major credit bureaus. 
After my registration, their site stated it would " take a few days '' for credit monitoring to begin from the other agencies. It has now been FIVE MONTHS. Their web site still states the same thing and you can not talk to a live person in this country about this issue. They use call centers outside the US and hide behind " no reply '' email accounts. 
I will NOT discuss private personal data with a non USA citizen in another country. 
I also signed up for XXXX 's XXXX XXXX credit monitoring in XX/XX/2017. This was because Equifax had not come through as promised. They too promised credit monitoring and the ability to put a lock on my credit report at my discretion. Immediately after signing up, I was told a lock could NOT be activated and told to call a customer service number which is a call center outside the US. Again, I will NOT discuss my info with non citizens outside this country. They were given all my info during the registration. I am unable to lock my credit reports from two agencies and starting to see signs of fraud and identity theft. I believe these two agencies are in this SCAM together.
Consumer complaint received 2018-02-19
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Home Mortgage (GA)

I have been contacted concerning a debt I attempted to pay. I am running behind in my mortgage payments and have had continuous communication with them pertaining to why I fell behind. I usually pay the current month but on the last day of the month while attempting to get caught up. XX/XX/XXXX I was unable to go to the mortgage company to provide them my payment as my manager called a mandatory meeting. I explained that and stated I would pay them tomorrow morning. I was denied by XXXX XXXX that payment and she advised they would need to collect 2 months at that time. I have not signed anything pertaining to this type of agreement and have nothing in writing from this institution pertaining to this type of agreement. Therefore, I have received calls from her as well as XXXX XXXX pertaining to my debt owed. I advised XXXX XXXX at that time I can not pay two months and if I had to, I could not pay it until the end of the month. Additionally I have paid and they have sent my payments back to me on occasions. This causes an adverse rating on my credit as well as additional charges due to being late. Also I am charged for property inspections when I am delinquent. I have written to ask why no payments are being reported on my credit report to no avail. I realize I filed bankruptcy in XX/XX/XXXX but they were excluded and still they will not report anything on my credit. I also have a second loan which is a balloon payment. No one can seem to find that second loan. I am almost positive these actions are to take my house from me. I would just like a response on why I can not make one mortgage payment until I am caught up, why I have nothing in writing pertaining to their agreement, where is the second loan and why nothing is being reported on my credit.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried for years to get my credit report or to be more exact, my full file disclosure per 15 USC 1681g via annualcreditreport.com and it never works. I have tried calling XXXX, TransUnion, and XXXX directly on a multitude of occasions and the agents have been unable to help me. Moreover, the agents ( and presumably their supervisors ) have been completely ineffective despite my requests to escalate the issue.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OH)

1692c ( b ), which, subject to certain narrow exceptions, prohibits debt collectors from communicating with third parties in connection with the collection of any debt.

I have reached out to the creditors several times to get the inaccuracy removed!
Consumer complaint received 2018-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2017, I made a large deposit ( {$1500.00} ) into the Capital One Bank ATM machine between the hours of XXXX and XXXX XXXX I inserted my bank card and made the deposit. The machine accepted the funds and did not return any funds. At the end of the transaction, the machine did not provide a receipt. I reused my card to see if the deposit showed in my balance and it did not. I did not know what to do. The money was being deposited in order for me to pay my mortgage online via my Capital One account. I then called Capital One and told the representative about the problem. She said they would balance the machine and would register the funds at that time. Approximately 3 days later the funds were placed in my account. A month later on XX/XX/XXXX the funds were reversed without any advance notice. A secure message indicated that the claim was closed and that the ATM machine balance out. This is impossible since I made the {$1500.00} deposit. I can only assume that they credited another customer with my deposit if the ATM machine balanced or the funds were stolen since a receipt was not generated for the deposit. I tried to contact Capital One several times and finally talk to someone in Fraud. I was told that they would reopen the claim since it could have been they looked at the incorrect ATM machine. However, since I have received another secure message indicaitng that the claim was closed without any additional information. I have requested the information used to close the claim. I am totally disenfranchised since without doubt the deposit was made. I have faxed Capital One my receipt of where I withdrew the cash funds from XXXX  XXXX XXXX which indicated the time and drove 3 miles to make the depisit into the Capital One ATM. I also provided them with my description hoping they could use the camera 's on the machine or in the area which will show me making the deposit. I am thinking this is not the first time this issue has happended to customers and it is indeed stealing from consumers. I am now delinquent on my mortgage as a result, as well as, I have had to cancel a planned trip to XXXX to visit my son who is in the XXXX XXXX. I am totally disappointed and upset with how Capital One has handled this situation for such a large sum of money for an average customer.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Automotive Management Services, Inc. (NC)

I have sent AMS of XXXX NC several certified letters to have this resolved and i have also wen in person and made several calls, but no one has ever 
esponded to anything have tried to do. I see on my credit report that this account is listed as open with a balance and to be honest the car was a lemon and i had to have several repairs on the car i was told if i just give it back we will call if even. but i see now that they are reporting incorrect information and i have tried for years and so many time to get this fixed they wont call back or even write a letter back i see that someone signed for the letter of dispute. I really need help this is unfair i have reached out to your company for help before but i have not or maybe don't understand what's going on. Please help me i have tried so hard to get this fixed. 
Thanks so very much signed a person being honest and trying to fix the wrong that has been done to me
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Asset Recovery Solutions, LLC (VA)

The original lender was XXXX and it was a personal loan. I have paid well $ XXXX back to the original lender. Now that original lender will only direct me to the company they sold the debt too. I understand that the payments were made after charge off but the payment was accepted and posted I have screenshots and bank statements. 

The collection company called me stating I had a payday loan which I told them I do not. I requested them to send mail me proof and they mailed the original loan information for XXXX loan.
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MN)

I sent XXXX several letters. via certified mail. Today I received a leter stating that they will not investigate my dispute. 
Despite five written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your investigations, you stated in writing that you verified that these items are being reported correctly.. I have sent repeated letters to XXXX and they have not responded. Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

The above letter was sent to XXXX  certified mail Regards XXXX XXXX
Consumer complaint received 2018-02-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (MO)

On or about XX/XX/2018 I discovered through XXXX XXXX that a negative collection account by Midwest Recovery was placed on all three credit bureau files. I immediately wrote to them on that date requesting validation not verification of the debt. I never received any written information from them regarding the debt and my right to challenge such prior to my discovery at XXXX XXXX. Nothing within my credit files indicates that I have challenged their listing and the account is listed as " in dispute ''. Research regarding this firm indicates this is typical behavior on their part. I do not believe I ever had a loan with XXXX XXXX which is the firm they claim to represent and has been fined by the CFPB. Their previous pattern of behavior leads me to believe they will be unable to comply with my validation request or simply ignore.
Consumer complaint received 2018-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX Capital One cashed a check for {$760.00} that was made payable to a different entity. 
On XX/XX/XXXX I called Capital Ones customer service line and spoke with one of the  representatives. After repeating myself several times using simple terms, I explained the error that I had made. 
I had inadvertently mailed Capital One the wrong check. I had mailed my office rent check to Capital One. 
My office, XXXX XXXX, an executive office suit, noticed the error quickly when they received the check that was intended to go to Capital One. 
I explained to the Capital One phone representative who had a difficult time grasping the concept that Capital One received the wrong check. When the representative finally understood, your representative said I should just wait and see if the check clears. 
It was to my surprise, it had indeed cleared. Capital One cashed a check that was made out to a different party. 
I mailed a letter to the attention of the Office of the President at Capital One.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

Credit card bill number does not match my credit card number. The payments that I had made were deducted from my checking account but not credited to the credit card payment. In addition to this the mailing address of the credit card bill does not match the mailing address of the Macy ' s Department Store for my billing.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

Home Depot credit card number on bill does not match my Home Depot Credit Card number ; address for the payment to Home Depot is not a valid payment address. Payments that are made are not credited to my bill but they are taken out of my checking account.
Consumer complaint received 2015-03-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XXXX of XXXX Cap one Finance sent me a auto loan " Pre-approval '' letter which stated they had interest rates as low as 2.3 %. I had called Capital One Auto Loan callcenter XXXX during that time asking them what interest rate I was approved. Each time I called they instructed me to take the Capital One pre-approver letter to the dealer of my choice. I took it to XXXX XXXX owned by XXXX XXXX in XXXX XXXX State. 
I was told the only interest rate quoted by Capital One Auto Finance was 16.990 %, I was also told by XXXX XXXX that Capital One Auto Finance would refinance this loan to a lower interest rate after I showed XXXX year of ontime payments with no late payments. Capital One told me in XXXX of XXXX they do not refinance their own loans. 
I have paid this huge interest rate for 15 months now with no late payments and I have only paid {$2900.00} off the price of the car while paying a whooping {$4900.00} to Capital One Auto Finance in interest. This is a Predatory leading loan and it sets me up for failure as my employer has laid off XXXX employees this year with announcements to lay off in XXXX XXXX. 
Also, I tried to re-finance with several companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AUTO LOAN and all of these companies tell me that I am in a predatory loan and the payments I have made all went to interest profit for Capital one and the owed to value of the car exceeds their criteria to refinance. So after 15 months of on-time payments I owe more than the XXXX FORD FOCUS is worth because I paid {$4900.00} in interest and only {$2900.00} to payoff. 
In the event I am laid off this year I will default on this loan with this high payment of {$580.00} a month. I need Capital One Auto finance to drop my interest rate to a non-predatory rate to be no more than 8 %. Please review documents that prove I have paid on time and have no late payments on my credit report for the last 15 months.
Consumer complaint received 2021-12-01
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: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my credit report and I noticed there were inquiries listed that I did not recognize. Dates XX/XX/XXXX to XX/XX/XXXX. I contacted these creditors SYNCB/PAYPAL ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX SYNCHRONY FINANCIAL ( Finance ) XX/XX/XXXX SYNCHRONY FINANCIAL ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

who placed the mltiple inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (AZ)

I lived at XXXX XXXX XXXX apartments XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Arizona XXXX from XX/XX/XXXX to the XX/XX/XXXX, this was not a lease but a rental agreement the apartment was not maintained that well it had very old carpet and lots of cockroaches this was affecting my health, I was coughing up blood and almost suffocated several times my primary care doctor sent me to XXXX doctor and a XXXX, I did not have XXXX but a cat scan showed I had inflammation in my XXXX and they were raising the rent and wanted me to sign a lease so it was time to make my exit. They threatened to ruin my credit if I moved out.I supplyed them with a letter from my doctor advising me to move to a home without carpet and cockroaches. I thought every thing was fine then they sold the account to a collection agency in XX/XX/XXXX, national credit systems in XXXX. They made the same threat of ruining my credit, I supplyed them with the same letter from my doctor and their responce was to report it to XXXX and XXXX. I also have XXXX reports from the hospital avaiable on request. National credit systems is forgien corperation with many complains so why are they allowed to operate here? I would like them to remove this from my credit reports.