davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (VA)

I've gotten multiple phone calls AT WORK from this company. When answering they want me to verify my identity before telling me what this is in regards to. I don't give out my work number so I am unsure as to how they got this information. When I don't want to verify my information before knowing what I am verifying for, he gives me a XXXX number to research and I still don't know what this is in regards to. I don't want to call back and verify for something that is false and I have no idea what it is about.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

On XXXX XXXX, XXXX I submitted a dispute via ChexSystems about an account I previously had with XXXX XXXX. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from ChexSystems I noticed I had been reported for an account abuse closure by XXXX XXXX While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from ChexSystems one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the XXXX XXXX collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for XXXX XXXX when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to ChexSystems because XXXX knew that for that particular agency abuse could mean anything and would n't be questioned.
Consumer complaint received 2021-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) is attempting to collect a debt ( {$1300.00} ) that is allegedly past due since XX/XX/XXXX. The account was allegedly opened since XX/XX/XXXX, which is not true. They claim to have bought the debt from XXXX, XXXX, ( XX/XX/XXXX ) and are attempting to collect on a debt that is over 10 years old. This is illegal in CA and they still report this to the credit bureaus. XXXX has been ignoring my request to remove this old debt that is past the statute of limitations in CA. Portfolio Associates can not provide adequate evidence that this debt bought from XXXX is not older than 7 years. XXXX does not report this collections mark on my credit profile, while XXXX and XXXX does.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2020-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery XXXX closed this account and then illegally reopened it on my credit report. It was closed XX/XX/2020 and reopened just the other day on my credit report. This is illegal and I do not know what this debt is. I have been trying to dispute it for months now.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I have sent Wells Fargo an affidavit of truth on how they have violated me since then i have received the green return receipt further proving they have seen the affidavit and exhibits, pursuant to 15 USC 1602 ( p ), 1605 ( a ), 1635 ( a ), 1692e ( 2 ) ( a ). This was a consumer credit transaction which characterizes the transaction as one in which the party to whom credit is offered or EXTENDED is a NATURAL PERSON, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Furthermore, the finance charge in connection with ANY consumer credit transaction shall be determined as the SUM OF ALL CHARGES. SUM means TOTAL. I have explained to XXXX XXXX that under 1605 the finance charge there shouldn't be any payments, annual fees or interest. This complaint is for further proof when asked by the courts if I tried to settle this matter outside of court.
Consumer complaint received 2018-03-20
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: SYNCHRONY FINANCIAL (TN)

XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX XXXX. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX XXXX XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.
Consumer complaint received 2022-03-31
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. (PA)

Hi, My name is XXXX XXXX and transunion has violated FCRA laws and held negative reporting information that doesn't belong to me against me. They have also locked me out of seeing my credit report on their website in which it states that my credit report can not be accessed online and that I have to contact transunion. Why can't I access my report online as the answer to that is that they are hiding my report to conceal their illegal activities that they are reporting. Please see the enclosed documentation.
Consumer complaint received 2017-11-27
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: Oliver Adjustment Co. (FL)

Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$150.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XX/XX/XXXX stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ). I sent a follow up letter informing them that they are in violation of HIPPA and stated that I would file a legal complaint unless they removed this from my credit report. I have yet to hear back from them
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello team, I came to US few years back and have started using credit cards since then. I have been using XXXX every year to review my credit reports without any issues. 

In XXXX 2014, I was retrieving copies of credit reports for the year. It worked for the XXXX and XXXX, but erred out with Transunion. 
Following is the error message I got : We are unable to complete your requestWhat happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 
Alternately, to request your Free Annual Credit Report by mail, return to XXXXXXXXto download the request form. 

When I called the number provided, I ended up in selecting the option for getting the report by mail. However I followed up with Transunion to check what was the issue. But they did n't help since the free annual report was already sent. 

This year, I tried to obtain the annual reports again. Unfortunately, I saw the exact same error while getting Transunion report. The other XXXX bureau reports are working fine without any challenges. I immediately contacted Transunion customer service ( XXXX ) and explained them the problem. 

They just transferred me to another department ( XXXX ) called - " Transunion interactive '' which deals with their website ( I believe ). The representative told me that they are seeing error number XXXX while pulling my report, which is usually seen because of multiple profiles getting created for the same SSN or usage of multiple names etc. He asked me to contact " Transunion customer relations '' number ( XXXX ) and have them fix the data on my report. 

On contacting the consumer relations, I was surprised to hear that my Transunion profile/ report did n't have any issues, and so they do n't see anything to update. 
They asked me to contact the interactive team again with the confirmation that nothing is wrong with my report. 

Even after having such confirmation from Customer relations, the Interactive team kept on pushing back saying that they ca n't do anything about it. I contacted both these teams few more times, but was just getting transferred between their teams. They never agreed to come on a single call, which might have fixed the issue. I have even talked to supervisors from both the teams, and also talked to few folks from " Special handling '' department, but no one could tell me what the actual issue was. I have n't got a resolution so far. 

For now, I have asked them to send me a physical copy. But I my preference was to get an online copies because I think online copy is more secure and easy to manage. 

I need your help so that someone from Transunion can really look into the issue and resolve it so that I can use the online credit report like everyone else. 

Regards,
Consumer complaint received 2022-03-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have new and updated information concerning Experian. I have previously complained of Experian 's illegal conduct under ID # XXXX XXXX and XXXX. Experian has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Experian now claims that my demand was not specific enough despite specifically identifying the accounts Experian has fraudulently reported on my consumer report without either my authorization or validation. Experian is in violation of my rights as a federally protected consumer.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

I opened a checking account with TD Bank in XXXX. I deposited about {$150.00}. However I did n't use the account until years later when I payed a credit card bill for about {$100.00}. I never knew there was a maintenance requirement meaning a balance had to be maintained. Apparently I fell below that balance after paying my credit card bill and I was incurring a maintenance charge every month. I never received a monthly statement from TD Bank or an email alerting me to the fact that I was incurring this maintenance fee. However I just received a notice of the bank closing my account and I had a balance due of {$41.00}. 
I went into the TD Bank yesterday where I opened the account to inquire what was going on. I was told about the maintenance charge and the balance due. I explained to the customer service agent that I never received any bank statements from TD Bank and never was told there was a required amount of money to be kept in my checking account when I opened the account. The customer service agent called the assistant Vice President to talk to me, XXXX XXXX who explained to me that I would not be reimbersed for the maintenance fees that TD Bank charged me even though they never sent me checking account statements. This was final. When I got home I reviewed the information that TD Bank gave me when I first opened the account and there was no information about maintenance fees or required monthly balances. I am out about {$50.00} but it 's the attitude of this bank that is worthwhile noting. I am a senior citizen and even {$50.00} means something.
Consumer complaint received 2023-02-07
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. (MA)

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 XXXX  and TransUnion to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 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 2022-02-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (VA)

CFPB closed my original complaint ( # XXXX ) and GoodLeap lied as they never responded to me. Request you not close this complaint until they respond to one of us. 

GoodLeap is applying different methods from month to month on how they process payments. I sent a {$50.00} payment in XX/XX/2021 with instructions to apply it to my principal. It was only applied to interest. By the load agreement, my first payment was not due until XXXX XXXX XXXX. Then in XX/XX/2021 I sent in an additional {$100.00} principal. Then on the due date they elected to only debit my account {$42.00} instead of {$140.00} and they elected to split the payment ( {$84.00} for interest and XXXX for principal for the two XX/XX/2021 payments ). The also failed to provide me monthly statements in XXXX and XX/XX/2021 until I filed a complaint with the XXXX For two months I had no insight into how payments were being applied or my loan balance. When I went through the details of daily breakdown of changes, I noticed that on XXXX XX/XX/2021 my daily interest accrual went up while my loan balance and rate remained constant. This also happened on XXXX XX/XX/2021. In fact, with a lower principal than my initial opening balance my interest per day is actually higher on XXXX XXXX ( {$2.00} vs. {$2.00} at the beginning of the loan ). GoodLeap will not explain exactly what they are doing nor will they provide answers to why my account is not always up to date. I have been overcharged interest on this loan. I was effectively charged {$160.00} in interest for XXXX ( counting the {$50.00} sent in XXXX ) and the loan agreement states the XXXX payment was only to be {$140.00}.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian refusing to update my account with XXXX XXXX XXXX XXXX. First dispute sent XX/XX/XXXX requesting the information be validated or removed. Experian was report 28 consecutive months as " CO ''. Reply the information was accurate. Continue to sent dispute from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Last dispute reply file was update to change the " CO '' from XX/XX/XXXX to Current date of XX/XX/XXXX restarting the statue of Limitations
Consumer complaint received 2017-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX HAS LIENED MY PROPERTY WITH JUDGMENT OF THE DEBT THAT WAS INCLUDED IN THE BK AND AFTER BK WAS DISCHARGED. MY NUMEROUS ATTEMPTS TO HAVE THEM REMOVE THIS LIEN WENT INGONED. NOW THAT I 'M SELLING MY HOUSE, TITLE COMPANY REQUESTED A LIEN RELEASE INSTEAD MIDLAND SENT THEM A PAY OFF DEMAND FOR {$8200.00} FOR THE DEBT THAT WAS INCLUDED AND DISCHARGED IN BK ( SEE ATTACHED PAY OFF DEMAND FROM MIDLAND ) WHO AKNOWLEDGED THE FACT OF BEING NOTIFIED OF MY BK HOWEVER, STILL DEMANDED TO BE PAID ON THIS DISCHARGED DEBT WHICH I FIND TO BE A VILATION OF FAIR DEBT COLLECTION PRACTICES ACT! TITLE COMPANY SENT IN THE CHECK BY MISTAKE BUT MIDLAND DID CASHED IT NOW IS REFUSING TO REFUND THE MONEY THEY ILLEGALLY COLLECTED IN FIRST PLACE. MIDLAND VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND US STATES BANKRUPCY CODE!
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (FL)

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Consumer complaint received 2021-07-07
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: Specialized Loan Servicing Holdings LLC (UT)

Transunion is falesley reporting a 90 day late payment on our Mortgage for a house in that was sold. The mortgage company Specialized Loan Servicing when contacted says they show no late payments and that per COVID rules the loan was in forbarence and not reported as late. We. also have the forbarence letters and records showing no late payments. Please see the attached 2 credit reports that clearly show Specialized Loan Services Loan was paid with NO LATE PAYMENTS ever! 

This was disuputed 3 times in a row with XXXX  and they still have not fixed the issue. All other credit repoirts show no late poayments. Further you can not talke to a live person and or access their website currently. There's no way to get them to correct it as it seems to be all automated and resets back to the inncorect data. 

This is impacted our credit and ability to purchase a home.
Consumer complaint received 2017-11-27
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX has refused to correct the incorrect data they put in my Credit Reports due to their sloppy record keeping. 
My loans have been paid off since XX/XX/2007, yet they are reporting my account as late. 
I have tried to get this issue resolved with XXXX for months now, and so far, they have been useless in resolving and or fixing their own mess. 
I am reaching out to you for your help.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

The specific nature of the problem refers to the terrible customer service of XXXX XXXX XXXX XXXX. Over two months ago I 've sent a payment via postal mail and I still have n't received a payment receipt. Every time I try to call I 'm transferred to someone that never answers the phone and whenever I do leave voice messages no one ever returns my call. This is a horrible way to treat customers who are trying to rectify their accounts. Unfortunately this has happened before ever since they 've had my account over the past two years. I need a payment receipt for payment made in XX/XX/XXXX and every payment I 've made since XX/XX/XXXX.
Consumer complaint received 2021-09-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.