davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
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. (SD)

I contacted XXXX in XXXX of XXXX advising I had sent in a check for {$5000.00} to pay on my account as I was struggling due to cut hours due to Coronavirus. I had included detailed instructions on how to apply the check which was an insurance payment check for hail damage. Due to the restrictions imposed due to COVID i was not able to repair my car. A customer service representative said they received my check but would not be able to apply it to my account as the check was expired. I stated I would reach out to the insurance company for a replacement check. I reached out to the insurance company who stated that XXXX had cashed the check on XX/XX/XXXX. I reached back out to XXXX and they stated they did not see the check but would do more reseach and in the meantime requested a payment to make my account current. I made my full car payment of {$520.00} on XX/XX/XXXX. I continued to reach out to XXXX who then advised me that they had received the check but they did not know why it was not applied to my account. I explained the situation many times to different representatives and XXXX They said they could not apply the check to my payment as they could only apply it to my principal. I told them that was not what i was told back in XXXX, but they still did not apply the check to my account. I XXXX XXXX XXXX on XX/XX/XXXX and was XXXX for 15 days then bedridden for months after. I reached out to XXXX again in XXXX and stated that i had XXXX XXXX XXXX but i would make my payment for XXXX and they would need to apply the insurance check to my payment in XXXX as i was out of work due to my injury. They still stated they did not know why my check was not applied to my account and would have a supervisor review. I made another payment on XX/XX/XXXX and advised that I could not make the XXXX payment as i was still not working and to apply the insurance check to the outstanding payment. THey finally applied the insurance check to my account on XX/XX/XXXX. This is FOUR MONTHS after they cashed it. They continued to charge me interest on that balance during that time. They continued to pretend they did not know why it had not been applied to my account. The previous response stated the money was in an escrow waiting to see if i would repair my car. That is an outrageous lie. They held my money while they charged me interest and late fees and continued to report my account as delinquent. I want the interest removed from my account for the 4 months that they held my check hostage. I want my account reported as current from XXXX to current. I paid another {$8000.00} on XX/XX/XXXX which they have also failed to report to the credit bureaus. I will be paying off this loan at the end of the month and reporting them to the XXXX and the Attorney General for fraudulent business practices. They received a payment every month since XXXX and i expect them to correct the credit bureau delinquencies.
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC (OK)

I started contacting ARC Management Group in late XX/XX/XXXX to request proof of payoff that occurred in XX/XX/XXXX. They verbally stated that the debt has been payed to XXXX, but I have requested written proof 4 times. Each time, they say " we will forward the request to the department who sends out that information, and you should have an email in your account with ( insert varying time frames here ) ''. I have yet to receive a written proof of payoff and the business office will not help me resolve the situation - they will only resend the request to another department.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will ile for litigation due to the stress you have 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 2019-10-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Hello I have a car title loan threw wheels financual re XXXX XXXX its my 2 loan did '' t realize that it says in this web site that there only suppose to charge no more then 35 % intrest rate .and there charging me a 134 % int rate .my last loan was 199 % int and so since i paid off my other loan total pay off was {$17000.00} dollars yes crazy so they send me this letter to my email saying that Iam a prefurd customer and they will give me another loan for higher amount at a lower A.P.R rate .they denied that they sent me the notice.so they taunted me with this to give me this loan witch i fell for.is there anything i can do about this.Its just not right that they can take this much for a {$2500.00} at 199 % A.P.R. and if you make a payment early they still want another payment on the payment date or they will reposse.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (TX)

Vervent closed my credit card account because they claim I filed a fraud alert on my account. I assured them that I didn't and they told me to fax a letter stating that I did not file my account as fraud and that it would be re-opened. We went back and forth where they claimed they never received the letter although I had proof that the letter was delivered numerous times. Vervent gave me a new account number. Then closed the new account number as well. Fast forward, they are now reporting 2 duplicate negative accounts on my credit report. One showing as closed and the other is showing as opened. I called them and they told me to dispute it with the credit bureaus. I did and they disputes came back verified. I want these accounts immediately removed from all credit report agencies as they are duplicated and are reporting inaccurately.
Consumer complaint received 2021-04-08
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. (CA)

There are five accounts on my credit report that are not mine I have gone thru this with XXXX and Equifax but they are still reporting these fraudulent accounts and I have opened an ftc I have called and been disputing this since XXXX of XXXX I need these accounts off my report because they don't belong to me. 

XXXX XXXX XXXX - XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX Inquiries XXXX XXXX XXXX
Consumer complaint received 2021-11-01
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While I was away at college my car was broken into on campus, all of my personal information i.e. bank statements, tax records and bank statements were stolen. I filed a report with the campus police and administration and I was advised to a police report and with the FTC. I also contacted the creditors and credit agencies, with no response as of yet. The following accounts are reporting to my credit report in error. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX. XX/XX/XXXX, XXXX XXXX XXXX Credit Report Team about a duplicate inquiry on Equifax credit file ( XX/XX/XXXX XXXX. I was told the duplicate entry would be erased from Equifax credit file. However, it remains on there as of today, XX/XX/XXXX. 
2. Equifax, XXXX XXXX XXXX  all have differentiating, inaccurate information being reported on my credit files in regards to the XXXX XXXX account. I also sent letters of verification to XXXX for verification and have yet to receive a response. 
XXXX. No response from XXXX XXXX, after letter of verification sent. 
XXXX. Equifax reporting inaccurate personal information XXXX multiple addresses ). I called in XXXX to have the inaccuracies deleted, and was told by the rep that they would be deleted. 
XXXX. XXXX  reporting Incorrect personal information : Middle names are incorrectly listed as one name XXXX XXXX XXXX XXXX, when its actually two names XXXX XXXX  XXXX ). I called the consumer hotline to correct issue and spoke with a representative who reassured me that it would be corrected.
Consumer complaint received 2021-04-08
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: Resurgent Capital Services L.P. (CA)

I am the Petitioner that states LVNV Funding had purchased my debt from XXXX XXXX XXXX XXXX XXXX for the credit account # XXXX and assumed all of its liabilities while it had an open dispute and LVNV funding has failed to address the missing payment I made on the account on XX/XX/2017 for the amount of $ XXXXand explain how it posted to the account. Refer to XXXX bank statement, the XXXX XXXX invoice with the payment due date of XX/XX/2017, and the payment confirmation screenshot. 

I first discovered the missing payment in the payment history on my XXXX  credit report. At that time the account was owned by the original creditor, XXXX XXXX  XXXX XXXX. The payment I made on XX/XX/2017 in the amount of {$200.00} was missing. Refer to XXXX report # XXXX. 


This complaint is intended to address the problem and verify the accounting of the {$200.00} payment I made on XX/XX/2017 and inform me of how it was applied to this account. 

I am requesting that CFPB order LVNV FUNDING LLC. to verify that on XX/XX/2017, a payment in the amount of {$200.00} was posted to this account and show how it was applied to this debt with the following : 1. a summary of my payment history on the debt including the {$200.00} payment on XX/XX/2017. 
2. the date on which the payment was applied and credited the account ; 3. an itemization of how the payment was applied to the account ( i.e., what portion of the payment amount went to the principal, interest, fees, other charges ) ; 4. a copy of the underlying account statement showing the last payment made to the account
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

I did not know about this debt till I received a letter from ERC near the end of XXXX. The debt is not valid and they posted this as a past due debt on the 3 Bureau Credit Reports without informing me of the debt. this is now being reported as a deregatory item even though this was not communicated till late XXXX. 

I contacted ERC and stated this is not valid and that the debt needed to be removed. i told them i would file complaints and take necessary legal action for this erroneous Credit Reporting actions they took without ever communicating the debt. They stated I had to prove that I did not owe the debt. Which I stated no, you need to show me this is a legitimate debt and they had no evidence to provide.
Consumer complaint received 2021-08-19
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/XXXX DEPT OF ED Date of Inquiry XX/XX/XXXX
Consumer complaint received 2019-10-31
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivables is reporting accounts on my credit file that must be removed. I recently took a look at my credit file and noticed some accounts still reporting. I paid these accounts a very long time ago and am now asking that Outsource Receivables remove all the accounts from my credit file. First off, I never received a 30 day right to dispute notice before they ever reported on my credit which is a violation under the FCRA. Immediatley after I noticed this debt it was paid and it was all medical debt that I was under the assumption had been covered. However, Outsource Receivables continues to report negatively on my account despite this being settled. I am aware that since they are the original furnisher they can report to the bureaus as they deem fit and ask for a deletion letter to the bureaus stating the accounts should be removed from my credit file. If I do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (SD)

I contacted Flagship in XXXX of XXXX advising I had sent in a check for {$5000.00} to pay on my account as I was struggling due to cut hours due to Coronavirus. I had included detailed instructions on how to apply the check which was an insurance payment check for hail damage. Due to the restrictions imposed due to COVID i was not able to repair my car. A customer service representative said they received my check but would not be able to apply it to my account as the check was expired. I stated I would reach out to the insurance company for a replacement check. I reached out to the insurance company who stated that Flagship had cashed the check on XX/XX/XXXX. I reached back out to Flagship and they stated they did not see the check but would do more reseach and in the meantime requested a payment to make my account current. I made my full car payment of {$520.00} on XX/XX/XXXX. I continued to reach out to Flagship who then advised me that they had received the check but they did not know why it was not applied to my account. I explained the situation many times to different representatives and supervisors. They said they could not apply the check to my payment as they could only apply it to my principal. I told them that was not what i was told back in XXXX, but they still did not apply the check to my account. I XX/XX/XXXX on XX/XX/XXXX and was hospitalized for 15 days then bedridden for months after. I reached out to Flagship again in XXXX and stated that i had XX/XX/XXXXbut i would make my payment for XXXX and they would need to apply the insurance check to my payment in XXXX as i was out of work due to my injury. They still stated they did not know why my check was not applied to my account and would have a supervisor review. I made another payment on XX/XX/XXXX and advised that I could not make the XXXX payment as i was still not working and to apply the insurance check to the outstanding payment. THey finally applied the insurance check to my account on XX/XX/XXXX. This is FOUR MONTHS after they cashed it. They continued to charge me interest on that balance during that time. They continued to pretend they did not know why it had not been applied to my account. The previous response stated the money was in an escrow waiting to see if i would repair my car. That is an outrageous lie. They held my money while they charged me interest and late fees and continued to report my account as delinquent. I want the interest removed from my account for the 4 months that they held my check hostage. I want my account reported as current from XXXX to current. I paid another {$8000.00} on XX/XX/XXXX which they have also failed to report to the credit bureaus. I will be paying off this loan at the end of the month and reporting them to the XXXX  and the Attorney General for fraudulent business practices. They received a payment every month since XXXX and i expect them to correct the credit bureau delinquencies.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I started the refinance process with 5/3rd ( they previously held my note ) back in XXXX of 2020. We finally closed on this mortgage a couple months ago. I was told by the sales rep XXXX XXXX that the amount was XXXX a month and maintain my existing years left which was 27. I later discovered that he switched my time frame back to a 30 year and showed me different paperwork. During the underwriting process I still paid my mortgage every single month up until closing day. During this time 5/3rd was escrowing my biannual property taxes however failed to pay them to my township. My taxes are now 60 days late along with a 3 % fee being added. I have called 5/3rd about 15 times with 0 help at all. They said our tax department handles this but they have no phone number only an email and fax. I have emailed them multiple times with no response. I had one woman tell me to reach out to my closing team which included the sales rep and his assistant. I did hear back from the assistant who said she was helping but has since been fired/quit? XXXX has never attempted to call me and the mortgage services line said they have the money but wont release it because the tax department has to do this. Every person I have communicated with is completely incompetent and not willing to help, " its not my department I cant help you '' is all I hear.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TN)

In XXXX of 2020, we opened a secured credit card with Discover. We made all payments on time with no late balances nor issue. We made purchases on the card to just show the credit line was in use and maintained on our credit report. About two weeks ago we received an email asking us to verify some personal information. We submitted the information as requested through the IRS and contacted Discover to ensure that there was nothing else needed for us to regain access to our account and card. Today, on XX/XX/XXXX, they sent another email stating that our account has been closed. When I called to get information, as I thought this was surely a mistake, I was finally connected to a supervisor in account verification. XXXX told me the account was closed for a " business decision. '' We opened an account, paid our secured deposit and upheld every bit of what we were supposed to do. Two months later they decide to close the account for a business decision. 

We are in the long process of restoring our credit. This did not help, this actually puts us farther back than where we started.