davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number ****XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armcon Corp (CA)

I received through my credit monitoring an alert that a collection was added to my credit report. I sent a validation letter to make sure that this was my debt. I called XXXX XXXX and they acknowledge that they did, in fact, receive my payment and that it was deposited. I verified this but this collection agency will not remove. In fact, they updated this in XX/XX/XXXX as owed debt {$110.00} as retaliation and showing still owing the debt hurting my credit score on all 3 credit agency 's ; this has impacted my perfect credit score. This check was sent in and paid, the medical office misplaced this and deposited it on XX/XX/2019. XXXX XXXX XXXX illegally, misleading information and illegally filed collections when it was already paid.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (VT)

I sent a letter to Smith Rouchon & Associates on XX/XX/22 to verify debt on my credit report. They have not responded but they did respond to the bureaus verifying a debt. I would like to know what debt they are verifying but they will not respond to me. I never received anything that I had a debt with this company. I was told by my lender when disputing that this process will take some time, so I'm prepared to keep fighting for corrections on my report and keeping a XXXX XXXX of all letters that have been sent to the company.
Consumer complaint received 2021-09-20
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.
Consumer complaint received 2018-03-30
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. (MI)

I had a couple of errors removed on my credit report with Experian. One of the accounts are showing its in collections.Experian Report number # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX .... It is still showing it was in collections which this account was never in collections and this account was paid on time. On XX/XX/2018 I went down to the XXXX XXXX XXXX XXXX to dispute this and they found out there was a error on there part. I have asked them to remove the collections from my account and they said there's nothing they can do about it and that I have to dispute it with Experian. I asked the lady if they can give me a copy of there mistake to give to Experian for them to remove it off my credit report and they told me that they can not give me that information. I have been disputing this for over two years with Experian. This is the 5th time I have contacted Experian and they have failed to delete the collections on this account and turn it into a positive. Experian has said that they have looked into, but never received any information to prove it was in collections. It has been two years disputing this and its Clearly violation of Section 611 ( 5 ) ( A ) and continue to show their blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more then merely parroting information received from other sources.That 's all Experian has been doing the past couple of years and its against the law and clearly in violation of 1681 ( a ) ( 4 ) I asked Experian to give me the name of the person in their company who verified the accuracy of the account, but Experian ignored this request as well which is another violation of Federal Law! The law is very clear as to the civil liability and remedy available to me ( Section 616 & 617 ) if Experian fail to comply with Federal Law. I  want Experian to know if we go to litigation and their company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that Experian used to verify the dispute account.So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- Experian is required to " promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure are already aware of. 

Delete the negative collection on this account : XXXX XXXX XXXX XXXX XXXX # XXXX ....
Consumer complaint received 2020-11-15
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. (FL)

Good evening, To whom it may concern, I paid XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I contacted Experian on XX/XX/XXXX to remove a fraud alert on my account that was placed on XX/XX/XXXX. I received online notification that the fraud alert had been removed. I confirmed with a follow up phone call to Experian on XX/XX/XXXX at XXXX. I received verbal confirmation that the fraud alert was removed. 

XXXX have tried to retrieve my account information multiple times since then and have received notices that the fraud alert is on my account still. I called Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Several supervisors told me they " can not do anything '' since " there is no fraud alert '' but my lenders can not retrieve my report still. 

I submitted a complaint to the CFPB on XX/XX/XXXX, ID number XXXX. Experian responded today on XX/XX/XXXX and said that there is no fraud alert on my account. My lenders tried to retrieve my account information today and received the same error message. Experian absolutely did NOT correct the problem.
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (LA)

I was recently banking with chime and I was notified that ny account would be put on suspension until I provide said documentation. After I provided documentation my account was still closed. Now there telling me they wont issue a check to me but instead the originator would have to request it but they cant because they arent allowed to do so.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

There are 2 marks on my credit from this collection agency. I paid the debts in full and was informed that the company would do their part in deleting these marks from my credit report. However, it has been over a month and my credit report is not showing an updated status to these debts as well, they have not been deleted from my report all together which, upon speaking with a representative to pay the debts, ensured me they would delete the reports.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have been a victim of Identity theft. I have been desperately trying to get these collections deleted off my consumer report from Portfolio Recovery so I can be approved to but me a home this year. 
However, the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did authorize or consent for any person or agency to put this debt on my consumer report. Please in good for of my consumer rights please remove and permanently delete all negative accounts and inquiries from my consumer report.
Consumer complaint received 2022-11-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

New Inquiry below that I do not recognize. Thanks, XXXX XX/XX/2022 XXXX 's Name : BANK OF AMERICA Phone : ( XXXX ) XXXX Type Of Industry : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX City : XXXX Zip : XXXX State XXXX XXXX
Consumer complaint received 2020-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

This is the second time I submitted a complain but the real issue is the interest rate. On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX of XXXX XXXX NJ with 18.4 % interest rate. I am upside down in this car loan and can not refinance because I owe more than the car is worth. I need you help due to the Financial protection laws put in place after the financial crisis of XX/XX/XXXX
Consumer complaint received 2018-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC. (CA)

XXXX, I am enclosing a response from ABR Recovery Services LLC stating an Account # XXXX from XXXX that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an XXXX card since XXXX and this account does not belong to me. Please read the response below from ABR Recovery Services LLC and verify the accuracy. Thank you : To Whom It May Concern : Mr. XXXX is referring to a different account number. ABR Recovery Services, LLC account number for XXXX is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. Mr. XXXX tried to remove himself from XXXX two times. Thank you In response to ABR Recovery Services, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. XXXX is the original creditor and I will await their response to this matter. 
Thank you!
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX TransUnion Please be aware that I 'm not a credit company, so do n't allow your computer to label me as that I 'm a human being that knows my rights. I wo n't except no response other than this situation being fixed. No excuses from you. 

I contacted all three bureaus today and I mentioned that I want all fraud alerts removed permanently. This has been causing a problem for sometime now. Please remove all fraud alerts within 24 hours I do n't feel comfortable sending personal documents through the mail and I hope that you respect my decision. I do n't know why a fraud alert is reporting on my credit report and i thinks it 's because of the breach. If my credit file was breached I will take immediate actions against al three bureau for damages in a civil court room in XXXX FL within the next month. I have unknown inquiries on my credit file I 'm convinced my credit file has been breached and for every error I will make it my job to have my lawyer take legal actions. If for any reason a fraud alert is placed on my credit without contacting me there will be major consequences. I 've contacted BBB and FTC to file my complaint. You have 48 hours to fix this XXXX. Any inquiries that you see since XXXX 2017 is n't mine sorry.
Consumer complaint received 2022-11-18
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. (MN)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need you to correct the accounts listed below ASAP : XXXX XXXX XXXXXXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ....
Consumer complaint received 2021-04-30
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. (VA)

I have several fraudulent hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AXOS FINANCIAL, INC. (CA)

I had a water damage in my townhome and filed a claim with my home owner insurance company XXXXXXXX 2022. After some inspections from the adjuster the insurance company sent to evaluate the damage when the claim was first filed in 2022 and after damage was partially fixed using my own funds, in the beginning of 2024, the insurance company awarded me money to compensate for the damage. Checks were made in XXXX installments, the first check with smaller amount ( {$590.00}, after the deductible ) was issued at the filing of the claim, in 2022, for immediate remediation, the XXXX checks, totaling about {$8000.00} were issued in XXXX, 2024. The checks were make to both me, the homeowner, and AXOS bank, the mortgage company that holds a lien on my townhome. I mailed the checks to AXOS for endorsement on XX/XX/XXXX. Their Portfolio Management company requested a slew of information, including the claim details, adjuster 's estimate, payment breakdown, signed affidavit, my home insurance policy, my HOA insurance policy ( even though the HOA insurance did not get involved with the damage that happened within the walls of my unit and were not part of this claim ). My checks have not been indorsed as of yet, I can not reach anyone at XXXX at AXOS to follow up, and don't have the funds to finish repairing the bathroom damage in my home. AXOS sends me emails stated they need more information and directing me to their message box in my online account, which does not state what information they need. My repeated replies through the online messaging gets no response. This situation is causing me XXXX XXXXl and emotion stress and financial hardship.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC (MD)

Lyons, Doughty and Veldhuis of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX have sent a copy of a garnishment of wages that indicates that it comes from the XXXX County court house. This document adds an additional {$570.00} to the balance due. In addition to that, the total due is incorrect. We have contacted them on several occasions and requested for them to provide a detail of account of what is due, including monies paid to them. This company is collecting on behalf of XXXX XXXX. This company has never supplied this to me. I spoke to a XXXX and both times she said she didn't realize we needed a detail list of what is due. She tried to use semantics indicating that the balance was correct, however, she was indicating the original balance which is not in dispute. On multiple occasions she wanted to send me to another department for de-escalation, I told her simply, all we are asking from you is a detailed of the amount you are claiming that I owed. I contacted XXXX XXXX and they no longer service the debt. I did inform her the amount is wrong and fraudulent. They claim to record all calls, please take note that if that is the case, they should have record of my calls and request. 
This collection agency is continually harassing my place of employment by sending letters, including during this pandemic, when I was having trouble contacting someone to speak to at my local XXXX County court house. My place of employment in good conscience can not deduct money from a sheet of paper that clearly is inaccurate.