davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Direct Recovery Services, LLC (GA)

Received initial call on XX/XX/XXXX and a subsequent text message on XX/XX/XXXX. Not once did the company disclose that theyre a collection agency. Looked up information and found out it is an old personal loan from XXXX. Received several calls afterwards regarding the same account. On XX/XX/XXXX, I received a voicemail that stated it was a final call and based on my public record, I needed to take care of this matter. Knowing it was a debt that was no longer collectible in my state, I called the company and spoke with XXXX. I advised her that it is a debt that is over XXXX years old and therefore is not collectible. I also advised I would be contacting an attorney regarding this obvious violation. She then states if I can afford an attorney then I can pay the debt and hung up the phone. The company is Direct Recovery Services.
Consumer complaint received 2019-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc. (SC)

I received a call on XX/XX/XXXX from a company called XXXX. They say I owe {$140.00} for Services at XXXX XXXX XXXX in XXXX XXXX. XXXX The alleged service was on XX/XX/XXXX. 
They claim that I received services at XXXX, despite my denial of ever having been there. I called my Medical Provider, " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX. They informed me that the only services I had was indeed on XX/XX/XXXX, was from my Primary care Dr., at XXXX XXXX XXXX, and that bill had been paid when it was submitted. I called my XXXX  XXXX XXXX, and their billing office verified my date of service, the amount of the bill, and that indeed it had been paid. 
This is the 3rd time that this company has called or sent me bills that are fraudulent. The previous bills were for the same amounts, {$260.00}, for XXXX XXXX at places I have never been. One was in Georgia, the other was XXXX, the same as this call today. Though the names of the labs on the mailed billing, and the account numbers were different the format on the statement was the same. After calling my Provider and having them verify that these were not legitimate bills, I figured that this XXXX was trying to scam me. When I received this call from their billing Dept. this morning, I figured it was part of the same scam, possibly duplicate billing, from different XXXX. My Ins., is a Medicaid provider, and I know that XXXX is notorious for Medicaid and Medicare fraud.
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Dear Sir or Maam, I am a XXXX XXXX XXXX who has a XXXX XXXX XXXX Veteran with a XXXX XXXX XXXX. After decades of using credit wisely and fulfilling all my obligations by having autopayments executed. I had to switch to minimum payments due to XXXX, divorce, and identity theft. 

XX/XX/XXXX, I was finally able to pay off my PenFed credit cards with a line of credit. Unfortunately, those accounts were closed XX/XX/XXXX. 

XX/XX/XXXX, I contacted PenFed customer service to reinstate the account. They suggested I reapply to open the account, which was a credit hit, I did reapply and then it was denied. 


Over the past 16 months I have had dozens of confusing conversations with Penfed representatives. 

XXXX XXXX, XXXX Pentagon Branch Office - Requested a hold on payments XXXX XXXX, XXXX to XXXX XXXX, XXXX : VA XXXX XXXX XXXX XXXX XXXX-present Pandemic XXXX XX/XX/XXXX XX/XX/XXXX Interest Charge on Purchases XXXX XXXX XX/XX/XXXX XX/XX/XXXX Interest Charge on Cash Advances XXXX XXXX XX/XX/XXXX XX/XX/XXXX CR. CARD PAYMENT XXXX VA XXXX ID : XXXX XXXX I am reaching out to the CFPB for assistance with Penfed customer service. 
I respectfully request the 2 accounts be reopened with a {$10000.00} and {$25000.00} line ( s ) of credit. I further request all points/rewards reinstated on the cash back rewards card. I also request the {$500.00} overdraft be reinstated. 

XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX cell Pen Fed XXXX XXXX, XXXX Penfed XXXX XXXX, XXXX ( 2 ) Penfed XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 2024-02-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NY)

Have received a Vanilla Visa gift card. There is a fraudulent charge on the card at XXXX, on XXXX/XXXX/21 for {$63.00}. I never made this charge. There is no way to contact Vanila as they intentionally make it impossible to get a live representative. They are openly breaching VISA merchant protocol and are violating my rights. Their practices are dishonest and undoubtedly many people have suffered from similar issues.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

This is an additional complaint from an original complaint that, to date, has not ben resolved. I will attach all correspondence including the response Chase Bank gave you and was forwarded to me as the answer to my initial complaint. I have also included the " Affidavit '' Chase required I sign, notarize and send to them. 

The basic problem is that Chase Bank has been holding {$180.00} that they have agreed is owed to me but continue not to forward the funds via check or deposit into my account. 

Please note, the bank account number I am going to provide is for a CLOSED account.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The issue with this account is XXXX has not been able to provide any legal documentation that their was payment agreement between myself and the company. As mentioned before when XXXX is asked to provide this documentation they do not. XXXX does not have any paperwork between myself and XXXX showing I signed up for service or agreed to a line of credit. The credit agency is in violation. By law a creditor must provide proof. XXXX is not providing proof. They are only stating the debt is valid and not providing any paperwork to myself or the credit agency.
Consumer complaint received 2022-11-19
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. (MI)

I have reached out to XXXX numerous times. Regarding an account XXXX also know as XXXX. This account is reporting unlawfully. I have sent letters in regards to this issue. This account should be removed from my credit report.
Consumer complaint received 2021-12-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION ()

Since 2018  NFCU has illegally taken personal property NFCU has illegally charged me for payments already made NFCU has illegally repossessed my vehicle without notice NFCU has been verbally abusive NFCU has trespassed on my property NFCU has threatened legal action without proper notification NFCU has made negative reports to credit reporting agencies NFCU has taken illegally taken pictures of my property and my family NFCU has listed my home for sale NFCU has not notified me of options or late payments NFCU has frozen my accounts
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good : XXXX XXXX XXXX ( still reporting ) has initially been deleted, and XXXX I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. permanently remove these accounts
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$220.00}
Consumer complaint received 2021-09-05
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: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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. I have some issues also with unrecognized addresses on my credit file Please delete the following addresses : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XXXX, OH XXXX I would like a full copy of my credit file.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (WA)

Have talked to Hyundai they say account shows XXXX sent letter that account closed but web shows XXXX Disputed on line with XXXX  sent letters to Hyundai all reporting agencies disputed come back missing payments account past due account was paid in full XX/XX/2020. Wife co owner shows account closed paid in full so not sure why this is happening
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I XXXX XXXX have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

In XXXX of XXXX I moved out of an apartment ( XXXX XXXX ) ran by XXXX XXXX XXXX XXXX that was shared with me, my wife and child, sister n law and her significant other. We gave notcie to property XXXX XXXX on XX/XX/XXXX that we would be moving out XX/XX/XXXX due to my new job in another city. I asked for the paper to sign stating that we were moving and he said he would bring it by our apartment. 2 months went past and we had a walk through of the apartment with property manager XXXX on XX/XX/XXXX in Which there was absolutely no damage. He then provided me with a notice to move document with no date in which I said i would not sign unless the document was pre dated to the correct date. I DID NOT SIGN the document, gave him back the key to the property and he said he would have the property management company call me in which they never did. My deposit was kept and I was told that I didnt give 30 days notice to vacate and that the notice I gave came on XXXX XXXX in which me and my family were not in the city at the time. The signature on the Notice to Vacate is NOT MINE, nor did I ever sign one. I was later charged {$1300.00} for carpet replacement and unpaid rent. All charges are false and documents are falsified.
Consumer complaint received 2021-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MI)

I've attached the first credit report this debt was placed. This debt was in collection in XXXX.See attached XXXX  report XX/XX/XXXX, pg 2. 
It was paid in XXXX. Requested receipt from XXXX @ XXXX Never received. See XXXX XX/XX/XXXX, pg 4.

Proof of age of acct. 
XXXX  report XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
Should have fallen off already XXXX XXXX ) Still reporting in XXXX. 
XXXX  XX/XX/XXXX, ( Dispute results attached ; Removed ) XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, ( Dispute results attached ; Removed ) XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX ( Disputing now ) XXXX  XX/XX/XXXX ( Disputing now ) This has been reported 7 times in the last 2 years. Each time Disputed and removed. Each time my score loses points and never recovers even after deleted. This debt is to old and paid off 8 years ago. 
See all attached credit reports.
Consumer complaint received 2019-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (TN)

From XX/XX/12 to XX/XX/12 I paid Exeter Finance {$13000.00} dollars which added to about {$5000.00} toward a {$14000.00} car financed at {$21000.00}. I believe that a breach of contract could be brought against Exeter finance, based on the fact that, I paid late XX/XX/XXXX, 60+ days late 8-10 times. Leading me to believe I would be given grace again but instead they brought the shackles. Short of hiring an expert to bring them to court Im not sure there is another choice. If Exeter Finance changes derogatory to paid and drop my debt to {$2000.00} and XXXX. XXXX would please do the same, the current owner of the debt, if the Tennessee Statutes of limitations for this kind of debt. Please consider this proposed request and thank you. I loved that car. Im just asking for a real hand shake in all this mess. Ive never sued anyone, rather not start now.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MN)

My name is XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX phone XXXX DOB # XX/XX/XXXX SSN # XXXX DL # XXXX. I have a car loan with Credit Acceptance XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX. I purchase my vehicle last year XX/XX/XXXX. I have made on-time payments since I opened my account. My account is now closed since I settled it for {$1000.00} on XX/XX/XXXX. My vehicle was totaled on XX/XX/XXXX and insurance made a lumpsum payment of {$10000.00} on XX/XX/XXXX to close out my loan. Before my accident, I made every monthly payment on time for $ XXXX/month until XX/XX/XXXX. After my insurance payment on XX/XX/XXXX, I still had a remaining balance with this creditor that I agree to settled the account in full of {$1000.00} paid on XX/XX/XXXX. I disputed my balance with XXXX  stating that the balance was inaccurate and also that this creditor has never reported my balance accurately since I opened the account. When I received my dispute results back from XXXX on XX/XX/XXXX Credit Acceptance had reported the balance still inaccurate and also reported my account as 60 days past due! I have never missed a payment and also have made all my payments on time. I contacted Credit Acceptance on XX/XX/XXXX to advised the inaccurate reporting and ask them to show me where I missed a payment and a supervisor name XXXX advised me she does not show a missed payment on my acct. She did email my information to the Credit dept team and asked me to wait for 1 week to get a callback. I accepted this loan because this company was supposed to help me rebuild my credit and instead all they have done is report my information inaccurately to affect my credit negatively. I don't understand how is that they can report false information and there's no penalty to the creditor but as for me as a consumer I will be affected negatively. This reporting of 60 days late has a huge negative impact on my credit. I agree to settle this account and close it out so I can get into another vehicle unfortunately that is not the case now since they have falsely reported a payment missed 60days late on my report that will cause me to not be able to get into another vehicle.
Consumer complaint received 2022-08-17
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. (NY)

I do not remember applying for a credit card on XX/XX/XXXX. There was some sort of hard inquiry done without my knowledge that destroyed my credit score by lowering it XXXX points in less than one month. It is literally against my religion to borrow money ; I pay everything in cash or with my ATM card and have been since at least 2013.
Consumer complaint received 2021-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NH)

I applied and was accepted to the loan program to skip up to 12 payments during the covid pandemic During that time, I was able to and did make one payment of {$2300.00} which is one month mortgage payment. At the end of my 12 months, I re-instated my mortgage using an FHA backed partial claim for the 11 missed payments. I was forced by my mortgage company to make three payments in one month in order to 'book ' the partial claim by XX/XX/XXXX. I then resumed payment of my normal monthly payment, which is {$2300.00} During this process, I asked for modification, reduction of payment, and about the federal Covid 19 Advance Loan Modification, which they should have offered to me without me asking. I was told there were NO other options for me except to resume my regular payments. I explained that my new job was making over $ XXXX less than my last. I was told to get them the money by XX/XX/XXXX was my only option. I borrowed money from my sister and paid them a total of {$10000.00} in order to 'book ' the additional {$23000.00} partial claim. I then resumed by normal monthly payment of {$2300.00} beginning XX/XX/2021. I noticed my loan was not updated online and kept calling and emailing asking why It was still showing as over {$25000.00} past due I was continuously told that they were 'so far behind " in applying the partial claims that I would need to call and make payments until they 'had the time ' to update my loan status Then, over TWO months later, my loan specialist left me a message that I would need to send yet another {$4600.00} before XX/XX/XXXX in order to 'book my loan claim ' by XX/XX/XXXX I am beyond angry I called and he hung up on me. I can not get anyone of authority on the phone They have also assessed late fees and I feel this is also fraudulent.