davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Omni Financial Corp. (NC)

I have contacted WorldOmni multiple times with no resolution. The car was repossessed XXXX. Following the repossession no notification was given, by law in NC, of time and place of sell of car. I received no written information afterwards on the debt, the details of the sale of car, the amount of loan left. When I contacted them there was {$6900.00} then the next time I contacted them it was over {$8000.00} in debt they stated it was their interest. I requested to see documentation in my loan paperwork that it was valid. I requested multiple times to have information sent to me on the amount of the loan, the amount of the sale when and where it took place, and the amount of debt that was owed. They continue to not provide me with information, and have steadily been increasing the amount with no documentation showing me where they had the right to do that. They broke NC law when the car was repossessed as they gave no notification of sale time and location but rather told me to pay full amount of loan to get back car within 48hrs.Since that time they have provided me with no documentation of which I have been requesting. 

I have received zero documentation from WorldOmni at my home which my address has not changed.
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (GA)

TD BANK XXXX XXXX I owe {$0.00} Status current Date opened XX/XX/2018 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.
Consumer complaint received 2022-09-09
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

I am filing a complaint about Jefferson Capital System They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Jefferson Capital System is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Jefferson Capital Systems needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of  contract to include XXXX XXXX. I am aware Jefferson Capital Systems is a Third Party collections firm. I do not wish to do business with them at all.
Consumer complaint received 2019-10-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (VA)

I submitted an application two months ago to purchase a condo. Less than a week before the closing, the lender said the condo had not renewed its FHA certification. The lender was unresponsive to phone calls, e-mails, and attempted to charge me a lock fee when it did not timely move my application through underwriting. The lender also failed to provide accurate information about the status of the underwriting approval. After I complained about the lock fee, XXXX XXXX, the closing coordinator, became less responsive. I believe the lender was negligent in not checking the FHA certification much earlier in the loan process and the missed the closing deadline by failing to take appropriate action.
Consumer complaint received 2020-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called   XXXX   to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,  XXXX  ) that does not belong to me.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX XXXX is reporting incorrectly to Equifax ; XXXX   and XXXX a balance in the amount of {$9700.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) Per the agreement with XXXX XXXX, I returned the defective vehicle within the time allowed under the Lemon Law. There is no outstanding balance due and owing and therefore nothing to report. This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting of a balance due is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MD)

On Wednesday XX/XX/XXXX I made a purchase over the telephone with a XXXX representative using my Discover credit card. 
My sister also used her XXXX XXXX credit card to make a purchase in which they denied saying the company called XXXX was fraud, so they rejected her payment. 
I immediately called Discover to have them not authorize the transaction. They told me that they had already approved the transaction. They asked me to call back in a few days once the payment showed posted. I called Discover back on XX/XX/XXXX to advise them that the charge would need to be disputed. They asked me to call them back after my trip to XXXX to show that the services were not rendered. I called Discover once again on XX/XX/XXXX, They advised me that I would need to open a case with them to have this disputed. I also called the company that is fraudulent, XXXX to tell them that they need to give me my money back because no services were rendered. They argued with me for about 20 minutes saying they were going to send me my flight tickets through email however I never received them. What I did receive was a made up itinerary which consisted of leaving from XXXX XXXX, arriving in XXXX XXXX and on the way back showed flying into XXXX to XXXX XXXX. My trip was from Washington DC to XXXX. On XX/XX/XXXX I got a letter from Discover saying they did there investigation and found the charge to be valid. On XX/XX/XXXX I submitted more documentation to open the case back up for further review to show supported documentation that this company needs to be shut down, blocked from there system, and my charge back is valid. On XX/XX/XXXX, I got a letter from Discover again saying the disputed transaction was not in my favor and that I am responsible for a {$1100.00} transaction that I never got services for. I called Discover on XX/XX/XXXX and asked for a Manager to contact me about this. On Friday, XX/XX/XXXX XXXX ( a supervisor at Discover ) Called me to tell me that I would need to take additional steps outside of Discover to resolve this. Here I am now filing a complaint with CFPB, I have contacted the Federal Trade Commission and my States Attny generals office.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (NC)

My complaint is with I.C System who is trying to collect on a XXXX XXXX account from XX/XX/2014. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to my credit report
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: HireRight Solutions, Inc. (AZ)

HireRight has taken over a month to complete report XXXX. I've been told the report is at 91 % for over a month. They refuse to provide any additional information about the report. Their delay has already caused my prospective employer to delay my start date a week.
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CO)

I called LVNV Funding a month ago. In a recorded conversation they stated that if I provided them with the letter from XXXX XXXX they would remove the collection. How are you collecting on a debt that the original furnished say that I do not owe. I will also include XXXX XXXX in this dispute so they may be contacted. XXXX XXXX determined that this card was opened due to fraud and updated my accounts according. In fact deleting it from all credit bureaus, but XXXX who refuse to keep good records and who has not updated my account with my new accounts or did anything they should is the only major credit bureau still reporting it. I have attached some files and also the recorded conversation between LVNV Funding and I.
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: EQUIFAX, INC. (MI)

This is XXXX XXXX XXXX XXXX and I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX CO XXXX Balance {$0.00} FXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (FL)

We received notice of a medical debt from a collection agency. We paid the debt. They continue to report the debt to the credit bureaus as unpaid. When I called the collection agency in XXXX, they confirmed to me it's paid and say that it is not there problem that the credit bureau is misreporting it. We have disputed it several times thru the credit bureaus, even with the receipt, and the collection agency continues to confirm it back as unpaid. 

Credit Control Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Paid in full on XX/XX/21 {$710.00} + XXXX fee = XXXX
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

A cheque for {$2500.00} was deposited on XXXX XXXX at the Chase Bank on XXXX XXXX XXXX, XXXX Florida to my personal checking account. 
On XX/XX/XXXX the cheque was cleared by the bank. 
Later on that day, and only after it was certain that the funds were cleared, the said funds were utilized for the purpose for which the cheque was issued. 
On XX/XX/XXXX, to our horror, the cheque was reversed, funds were withdrawn from our account without letting us know and we were charged the additional {$12.00}. 

We went to the bank to complain and they said that it was our responsibility to wait 5 days before the cheque would be really cleared. 

The reason for reversing the cheque is that it was allegedly false. 

We do not understand how can cheque be cleared and then uncleared at the discretion of the bank. The funds were utilized and we are now left with a credit of {$2500.00} without fault of our own. 

The bank was not even considering a possibility that clearing and then unclearing the cheque is anyhow their responsibility, but they have easily passed on the blMe to us, the consumer, to somehow verify the validity of the chequ prior to utilizing those funds, even though they clearly cleared the cheque.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Someone was able to use my account and go to various other banking locations such as XXXX XXXX XXXX and XXXX XXXX XXXX and pull funds depleting my account. They depleted about 1500 dollars. I went into the office talked with branch managers and even filed a police report and nothing was done. I ended up having to close my account with this bank. They did absolutely nothing to help me and they didnt even check out my police report
Consumer complaint received 2019-10-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (UT)

I've been using Experian for quite a while to build my credit and in the last few days they took my score down 21 points for paying my bills on time or before they were due. I've paid over 2000 in credit card bills that I paid before they were due so I wouldn't get interest and I lost 21 points because of this. I'm not going to be able to refinance my home in XXXX because of what these people have done. Although they may not see that in using my credit they can see I'm making payments. On my cards and loan plus car. This is un called for, you can't take 21 points from someone for paying their bills early or on time. I have no late payments and one hard inquiry from a loan I got at XXXX XXXX 's. But within 4 days it dropped 21 points and I'm not sure how I'm going to be able to refinance my home unless you fix this. You took the points for me paying my bills and that's so wrong. I need them back and I need the points I've earned this month for paying my bills so I'll be at XXXX by XXXX and I can refinance my home.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I submited a claim for some purchases made with my debit card were the merchant never sent the items. 
Those transactions are : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX The bank never contacted me to request more information or some document to sign. Even they never called me. Now I can see that the provisional credit made now were charged to my account. 
I called customer service to know about this and they said that i cant reopen the case, the also said that they sent me some documentation to my address something that I never received it.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I XXXX XXXX am making this complaint myself not a third party company. please do not close this complaint with out sending it to the proper places. I went to buy something on credit and noticed that there are some accounts on my report that i never signed up for so i am complaining that the credit agencies have done nothing to help me get these accounts off my credit even though i submitted a report and also a [ police report.
Consumer complaint received 2023-01-28
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. (MI)

I Have Wrote XXXX & TransUnion Multiple Times Due To Unauthorized Inquiries On My Report. Both Credit Reporting Agency Failed To Investigate
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL.If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

XXXX acct number XXXX was to be removed from my credit report in it 's entirety by XXXX XXXX per my old XXXX credit report. 
this account is still being reported today after several disputes. the credit bureaus have verified the account or the credit bureau has claimed to have processed my dispute. 

also there is a lein that was released back in XXXX XXXX this is not being reported by the court or recorders office. thus the credit bureau should not be maintaining this record. after sending certified letters to both XXXX and the credit bureaus on XXXX/XXXX/XXXX concerning these accounts I have been ignored. 

I continue to incur damages as a result of the credit bureaus reporting. denied a home loan.
Consumer complaint received 2022-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC (CA)

I received a call from this number XXXX. They identified themselves as source receivables management. When I asked them what was this pertaining to they stated a business matter I asked what business and they hung up. I then decided to look this company up online and call them directly to see if it was legitimate. They answered and stated my name I asked why they were calling and they hung up. I called back 11 times and asked for a supervisor. They transferred me to an individual whos name I did not catch and asked if this was source receivables management and he stated you tell me you called us they refused to identify themselves and what they were calling about. I then requested if they cant verify then they need to send documents or something certified in regards to their request. He said theyre not going to do that. I would like them to stop contacting me if they have no reason to be contacting me. I have absolutely nothing in collections or owed anywhere on any credit report or entity.