davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After review my credit accounts it has come to my attention that my rights under the FCRA of 100 % accuracy of information reported on my consumer reports are being VIOLATED. There are NUMEROUS inaccuracies and inconsistencies across the credit bureaus that make a FAIR representation of my credit worthiness impossible. These are the issues I have : 1 ) The Date Opened are inconsistent and/or inaccurate across the bureaus 2 ) The Balances are inconsistent and/or inaccurate across the bureaus. My understanding is that a charge-off account SHOULD NOT report a balance. It SHOULD be {$0.00}.

3 ) The High Credit is inconsistent and/or inaccurate across the bureaus 4 ) The Past Due is inconsistent and/or inaccurate across the bureaus 5 ) The Last Reported is inconsistent and/or inaccurate across the bureaus 6 ) The Date Last Active is inconsistent and/or inaccurate across the bureaus These NUMEROUS inaccuracies make a FAIR consideration of my credit worthiness next to impossible. I am unable to obtain new credit in order to purchase a new home for my family.
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

Contacted by Wakefield and associates about medical bills that were already paid by my insurance company. Went into the office with irrefutable evidence that said medical bills had already been paid! Was told no court, it would be taken care of. They still went to court and lied in court of law to obtain judgement against me. Went on to garnish husband wages for bills we did NOT owe! 

Was never contacted by Wakefield and associates about any other debt, until received court papers. Had XXXX and couldn't go to court. They won a judgement against us. NEVER received anymore correspondence until we received letter from husband employer for garnishment order. Not once was notified by collection company. Called company asking for a detailed summary of where all garnished money was applied as they were still saying we owed money from previous bills they had already " collected '' on. The woman on the phone couldn't verify anything for us, just stuttered around trying to get us to set up payments. 
Sent a letter to the company, which they received XX/XX/XXXX requesting they prove we owe the debt, a detailed summary of payments and where they have been applied, copies of everything in our file including but not limited to, recordings of conversations, all bills in our file, statement of where payments have been applied, along with verification of debt. They have yet to respond to our letter and have never ceased contact with us or attempting to collect debt. They are harassing us with their fraudulent debt collection practices! 
Just received another letter today from them about debt from XXXX to which the previous garnishments we're supposedly have satisfied said debt. 
All of which I've NEVER received a bill from the hospital as to which they're attempting to collect for! This is a huge issue in our county! 
With there being XXXX XXXX complaints in XXXX and 49 % of said complaints being found fraudulent debt collection practices substantiated tells me something more needs done with these bottom feeders, when 100 % of our supposed debt are medical bills, during a worldwide pandemic! 

All for medical bills I've NEVER received. We get no contact from XXXX XXXX XXXX XXXX. Aren't aware of a bill or amount until it's been turned over to Wakefield and associates for collections!
Consumer complaint received 2022-08-11
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. (SC)

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2018-01-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MN)

Hello, There is a problem with my loans. They are inaccurate, and there are promissary notes that have note been signed by me personally. There needs to be a full investigation regarding this matter. This also includes, XXXX XXXX University.
Consumer complaint received 2018-01-22
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Please call me about Wells Fargo calling student loans student loans and then accruing interest during the forbearance period, then popping an amount on the poor student as double what they borrowed when the forbearance is up and also reporting the amount on the co-signer when the loan is still in good standing. i.e. the loan was NOT a student loan, they accrued interest from the first day all through while the student was in school, Our XXXX loan became close to XXXX when forbearance was up. We did not know that, they did n't make it clear and they " called it '' a student loan back in XXXX right after the XXXX and congress foolishly handed the reins to banks on student loans and destroyed countless student loan companies. These were supposedly federally insured loans and were advertised as such, at least that is what we thought we were getting. Wells Fargo took advantage of them and XXXX of these loans are getting called now as students get out of school and are finding out they owe twice or 3 times what they borrowed. Disgusting, disgusting, nasty practice and XXXX XXXX should pay for their greed,
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a payment of {$900.00} on   XXXX   I expected the money to be accessible by  XXXX . I checked my card the balance on the card reflected my payment but the available funds were {$0.00}. I called and I asked what I could do about it. The first person I spoke to told me that my payment would n't be available until Tuesday because my payment was too large and that I had to wait until my bank confirmed the funds and then once the bank did that I could call them back. I told them that I payed {$1000.00} last month and that went fine. Then, she told me that it was put on hold because my payment from  XXXX  months ago was not completed. As a solution, she recommended applying for an extension of credit online. I asked to speak to a supervisor. This person, a supervisor in the fraud department, told me that it was on a hold and there was nothing they could do about it until the bank clear the funds. I told him I 've had the card for years and it has always worked the same way. I pay, the money, it is available the next day and the payment comes out of my account the day after. Always. Including last month, which was the month after the incomplete payment. I asked to speak to his supervisor or at least someone from a different department, he said he was a supervisor and anyone else I talked would tell me the same thing. He put me on hold and then came back on to tell me that I had  XXXX  incomplete payments over a period of time and that was why my payment was on hold. I told him that it might be the case but what was the cause of the hold in payment now and how could I access my money, or at least part of the payment. He kept repeating himself about when the bank posted the payment and how they could n't do anything until they had confirmation etc. I told him that we were going around in circles and at this point I would like to talk with someone else. He said fine. He put me back on hold. I was transferred to another supervisor in the fraud department. This person went about telling me the same thing as the last  XXXX  people I talked with. I told her that there has been a change in credit card policy from last month to this month and I was n't notified  XXXX  prior nor was I given an option to opt out. She said putting payment on hold that this had always been the policy. I asked why this had never occured before. She said that sometimes they do n't put a hold on the money and that they do n't know about the hold until after the payment has been posted. I asked I could speak with the person who made that decision. She said it was a computer. I asked if I could speak with her supervisor and she said no. I asked if there was anyone else either higher than her or in a different department I could talk to about my payment. She said no. Then I asked that they close my credit card and issue me a refund for my payment.
Consumer complaint received 2018-02-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (NY)

After debt was paid and satisfied through XXXX they continue to call and harass me during work hours ( normally around XXXX ) stating that the original debt holder ( AES ) never sent the confirmation of the debt paid. My bank account shows they payment was paid to them. 
It is their job to follow through with obtaining confirmation and removing me from the collections dept. 
Ive explained this numerous times and they continue to call despite accepting payment.
Consumer complaint received 2022-01-06
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. (CA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my Transunion credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

I disputed a collection with Diversified Consultants which claim that I owe them {$610.00}. They have not sent me validation bearing my signature that this debt is mine and I 'd like this collection removed from all of my credit reports
Consumer complaint received 2021-06-30
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. (FL)

I have an auto loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (MD)

Regarding case  XXXX  The issue is NOT whether  XXXX   XXXX  understood the terms he was offered on a purchase of primary residence. The issue is our current residence WILL not sell before he closes on the home in DE. Therefore he will not be eligible for the terms quoted.  XXXX   XXXX  's verbal response that as long as he is making his payments it wo n't matter is not adequate- it 's mortgage fraud. It could ta ke 3-6+ m onths for home to sell and that is being optimistic!! Cashing in retirement savings to pay  XXXX  mortgages and or have adequate reserves on hand is not acceptable
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

I got scammed and someone fraudulently used my card/signature ... To shop at  XXXX   XXXX  in the amount of {$6300.00}. I do not know what  XXXX   XXXX  is nor do I spend that much in a day for products I do not know about ... Going through previous transactions history o n American Express, I would not have places like that on my charge history ...      Also  American Express Personnel advis es to let charges go through and dispute them later, this is what I am doing now.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, have violated my rights. 

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.
Consumer complaint received 2017-04-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

On  XXXX   XXXX   TD  Bank charged me  XXXX  bounced check charges for transactions that were made fraudently to my checking totaling {$170.00}. TD was aware of the situation that my account was compromised and shut down my debit card.Yet they are charging me {$170.00} bounced check fees for charges that TD knows are fraud.Made a phone call to their customer service and told me they werent reversing bounce charges that i should be lucky that fraud charges got reimbursed.Very nasty and unpleasant conversation.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is for multiple violations of the FCRA Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( b ) ( 1 ) for failure to respond and delete inaccurate information within 30 days. I have XXXX ( XXXX ) open CFPB COMPLAINTS about TransUnion continued violation of the FCRA. Each time they respond to the CFPB that they are investigating the account, HOWEVER THAT WAS A FALSE STATEMENT. ENCLOSED IN MY ATTACHMENTS IS PROOF THAT TRANSUNION CONTINUES TO VIOLATE THE FCRA. I HAVE ALSO ENCLOSED ( 1 PROOF TRANSUNION NEVER CONDUCTED AN INVESTIGATION AS REQUIRED BY THE FCRA. 2 ) TRANSUNION CONTINUES TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT. 3 ) I HAVE ASO ENCLOSED PROOF FROM THE COURT IN SUPPORT THEREOF. THE DISPUTED ACCOUNT IS A PUBLIC RECORD : XXXX BANKRUPTCY/ DOCKET NUMBER XXXX
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

I HAVE DISPUTED WITH EQUIFAX CREDIT BUREAU REGARDING A COLLECTION AGENCY NOT UPDATING MY REPORT DUE TO BEING NO LONGER LIABLE AND BEING SATISFIED. THE CREDIT BUREAU DID AN INVESTIGATION THAT WAS VERY POOR. THE CREDIT BUREAU ALWAYS GOES WITH WHAT EVER THESE AGENCIES SAY AND NOT DO A THOROUGH INVESTIGATION. I FILLED THE SAME DISPUTE WITH   XXXX   AND IT WAS REMOVED DUE TO A THROUGH INVESTIGATION WITH HAVING ALL THE FACTS NOT JUST BELIEVING THE COLLECTION AGENCY. COLLECTION AGENCIES DO LIE AND SHOULD BE REPRIMANDED TO THE FULL EXTENT.
Consumer complaint received 2021-06-30
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)

I have an auto loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I have requested that B ank of America remo ve PMI from my mortgage, in accordance with the federal homeowners protection act, which states that once the homeowner reaches 22 % equity the bank must remove PMI. I have reached that mark, but they refuse to remove PMI unless I pay to have an appraisal done. In reading  the U.S. code 4902 it just says  that once the consumer reaches the 22 % equity mark, based on the original price of the home, the PMI must be removed automatically by the bank. I have spoken to the bank, but they refuse until I spend the app rox. 400.00 for  the appraisal. I can find nowhere in the federal act that mentions anything about needing this before the PMI is removed.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Protection Association, L.P. (NY)

I received a notice stating that I had already been sent a debt validation letter, but I had never actually been sent that letter. If the company had actually sent me a debt validation letter, I would have been able to dispute the debt. It claims that I owe money to  XXXX   XXXX , but my billing history shows that I paid every bill.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

Your company is reporting the accounts on my credit report as a collection account. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state.5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Fund (OR)

Opportunity Fund XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted immediately.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.