davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Numerous requests for reinvestigation have been sent out to Transunion, XXXX and XXXX regarding the collection accounts listed on my credit reports. 

Pulling all of my reports, I see that they all were listed negatively, and inaccurately ; payment dates were incorrect, balances are incorrect, last payment dates, account numbers, they are all mismatching across each bureau. Per my research, these accounts must be removed per the FCRA and FDCPA. 

I can provide proof that numerous attempts have been made to resolve this issue directly with each credit bureau.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

For months Portfolio Recovery has called and called. I have ask for proof of debt and have sent them 2 letters requesting calls to stop. As of XX/XX/18 the calls continue on a regular basis and all from different numbers and I have not received a single document from original creditor to show debt is valid.
Consumer complaint received 2022-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 11th complaint that I am filing against TRANSUNION. There were two [ 2 ] deleted inquiries from my TRANSUNION credit report after my disputes and now TRANSUNION is liable to compensate me with monetary remedy. By deleting the inquiries off my report, TRANSUNION is admitting that their practices are in fact abusive and deceptive. INQUIRIES DELETED : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, TRANSUNION deleted the inquires after I disputed. Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. -The term consumer means an individual. -The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Pursuant to 15 U.S. Code 1681o, TRANSUNION is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. I have been going at this case for over 100 days now and I will not stop until I get compensated as TRANSUNION is liable by law to pay my invoice.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Army and Air Force Exchange Service (VA)

I contacted the office of the Inspector General and AAFES responded in writing that there is a negotiated settlement. The letter also stated that if I didn't agree with the settlement I could provide a counter offer.

After weeks of attempting, addressing the IG again and contacting the collection agency, I was told they have a policy of not negotiating settlements between XX/XX/XXXX - XX/XX/XXXX. This blocked period of time is when they hunt down any federal income they can snatch. 

I believe this is an absolute abuse of power. This is a private bank exploiting service members for profit. They do not adhere to fair lending practices beacuae they are granted UNCONSTITUTIONAL collection capabilities.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ARVEST BANK GROUP, INC. (KS)

On XX/XX/XXXX I checked my Arvest checking account online and had two transactions pending but these did not overdraw my account. They were both automatic withdrawals and I'd received emails from both companies stating that they had successfully withdrawn from my account on XX/XX/XXXX. On XX/XX/XXXX. I shopped at XXXX and overdrew my account. HOWEVER, Arvest waited till XX/XX/XXXX. to post all 3 transactions so that I had 3 overdraft charges. This is not the first time they have done this to me and therefore they get as many overdraft charges as they can. I've tried to talk to customer service about this but they tell me it all depends on when the companies state they want their money. None of that makes any sense to me. PLEASE HELP
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

accordance with the fair credit reporting act XXXX  Account XXXX, has 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 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I requested my credit report from Transunion under the 1 free credit report per year. 
I was given access to only part of the report and did not include the credit reporting number. 
I did the same with XXXX and XXXX and both provided the number free of charge. 

I spoke to a customer service person and then the supervisor XXXX .... Supervisor ID # XXXX. He advised me Transunion was not obligated under the law to provide the credit number only the body of the report. 

My complaint is that this interpretation of the law is incorrect. I request that FCC or CFPB require Transunion to include the credit reporting number.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (NJ)

They keep calling & texting my cell phone ( xxx ) XXXX looking for a " XXXX XXXX XXXX to collect some kind of debt. I am not that person, nor do I know that person. I have emailed them ( XX/XX/22 ), texted them and called them multiple times and told them they have the wrong number for XXXX XXXX. Their typical response is no reply or to hang-up on me. Once they said they would remove me ( my cell phone number? ) from their list, however the call and texts continue. Just to exacerbated the situation, they are also typically very discourteous. 

Calls received - multiple calls ( XXXX ) from ( XXXX ) XXXX the last one on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22. 

Texts received - ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, others but I have deleted them. 

No response to my email of XX/XX/22. 

A quick search on the internet regarding this company shows a plethora of similar complaints. This company must be restrained in some manner!!!
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I received an email from XXXX XXXX XXXX that Capital One did a hard credit check on me, I Have never used Capital one credit cards or auto loans. 
Here is what the email said : New Credit Inquiry It looks like someone viewed your credit report. 
To see details visit https : XXXX What this means An inquiry is a record created when someone checks your credit information. This usually happens when you apply for a new line of credit. 
Credit information provided by XXXX. If you have questions, please visit our Help & support page at XXXX XXXX XXXX for more information. 

Entry on XXXX XXXX XXXX : NEW ACTIVITY Financial services XX/XX/2021 New Inquiry CAPTIAL ONE An inquiry is a record of someone checking your credit information. This usually happens when you apply for a new line of credit. 
How it impacts your score Inquiries can cause your credit score to dip a little, but it usually recovers over time. 
Still have questions? 
If you think this might be a mistake on your report, you can file a dispute. 
Go to Help & support to get answers to frequently asked questions about credit alerts. 
Learn more about credit Visit our Credit Insider section for helpful credit-related resources and info.
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

I had a dispute with Citibank regarding unauthorized charges & they started an investigation they requested more time but never communicated with me for over 3 years then suddenly I received a Court Summons from XXXX XXXX XXXX to appear in court for an excessive amount & I requested a list of all charges & I have not received same. XXXX Account # XXXX
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc. (IN)

XXXX is my dispute to Hire Right Solutions. The agency is falsely reporting any thing that they said I have done.I was accused of 3 accidents in 1 day in a commercial vehicle. They have removed many things that was first reported inaccurately and they have not asked what was required required by federal law. F.M.C.S.A. the items that they needed to fully prove me innocent. 
. 1, I was at first accused that there was in fact a XXXX. REPORTABLE ACCIDENT and  there was not. 
2, A XXXX XXXX XXXX by law should of been done or required as a result of any accidents resulting from a commercial vehicle. There was none. 
3, There is no proof I was driving that vehicle. 

But they have not removed all of the wrong information to show innocence of these accusations, if Hire Right was performing a true investigation. There was not. 
There just had to be by FEDERAL LAW THE REQUIREMENT OF XXXX XXXX AFTER THESE ALLEGED ACCIDENTS BUT THERE WAS NOT ANY.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (KS)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

1. ) Reported Fraud FTC report - XXXX. Issues unresolved. 
2. ) Submitted complaint - XXXX. Issues unresolved CRA- Illegally re-aging negative account info. The accounts must be deleted. 

Included are the steps I have taken from the FTC to have fraudulent information blocked from report for the negative items in my report as a result of fraud. 

( 1 ) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable ; ( 2 ) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and ( 3 ) All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements.
Consumer complaint received 2020-07-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

I have been dealing with Ocwen Loan services for some time now, I originally had issues in XXXX when I had to try and secure a modification. I applied for a government HAMP modification and was denied 3 times with a reason of Ocwen stating that they couldn't prove that I lived at the property however they never sent anyone to verify. I was inclined to take one of their modifications that completely changed my mortgage terms. We have had 3 modifications with them over the years. The most recent in XXXX, I was asked to make payments on time at my regular rate for 5 months in which I did. The modification was completed in XXXX of XXXX. I continued paying at the same payment rate every month following with an escrow account in tact that was for my property taxes and my insurance that I had had for 15+ years. XXXX of XXXX I was contacted by the XXXX XXXX XXXX office that I owed for my property taxes and my Insurance company cancelled my home owners insurance due to non payment. I was unable to reinstate the Insurance or obtain Insurance through another company on my own. I was told that the servicer I had been transferred to PHH Mortgage Services was a partner of Ocwen and I was 2 months behind on my mortgage and they didnt have any record of my escrow account because Ocwen hadn't sent all of my loan documents to them at that point, yet I was still making the same payment with the escrow included. I was told I missed XXXX and XXXX payments in which I hadn't because I also purchased a car that year in XXXX. I was forced to pay a reinstatement fee on my loan of around XXXX and after doing so I was still 2 months behind and cant catch up. They then took out their own insurance on the property. In XX/XX/XXXX I had a tree fall on my house, I removed it myself and had heavy damage to the roof and back porch areas. I paid for materials to shore it up, the insurance adjuster came out and promptly sent me a check for the damages for XXXX, it was made out to me and PHH Mortgage. I called several contractors to estimate the job of repairs and none would touch it because PHH was holding the money and wanted to do a monitored release of funds. I have found a contractor however the paperwork trail is very extensive and they wont release the funds that they have already deposited into their account, I still do not have the repairs made on my roof because of the process they are using to get the funds.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I was charged twice by XXXX an airline company for the amount of {$1200.00} on XX/XX/2021. I contacted Chase Bank about this transaction and immediately filed a claim. I faxed copies of the transaction, flight tickets, statement of the amounts charged, confirmation number, and multiple emails to the vendor addressing the issue. Chase stated that the charges were valid. However, I disagree and feel that as a loyal customer of XXXX years they could have resolved this transaction. They stated that I took to long to respond to them. I took 2 days to fax over a statement that they were asking for and I had to go to one of their branches because the only option was to fax it.
Consumer complaint received 2021-06-01
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: Experian Information Solutions Inc. (IL)

1681 ( b ) 2 state that these bureaus has to have my written permission to furnish a report.I have never agreed for these 3 bureaus to just take information about me and then tarnish my score. I will also like proof of them having my signature if they claim they have. Ive been harassed from multiple debt collectors on alleged debt that I the consumer have read over and said " I do not validate this debt '' which is technically just a allegation until I agree upon those debt. 

i also do not own a credit card from any bank .No bank has issued me credit therefore im not a credit card holder
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My identity was stolen. My social security card and id was stolen on XX/XX/XXXX. Since then i have notice multiple accounts and inquires appear on my credit report. The following accounts and inquires were not authorized by me and are in fact fraudulent. 

Creditor : XXXX XXXX Account number : XXXX Balance : {$950.00} Creditor : XXXX XXXX Account number : XXXX Balance : {$550.00} Creditor XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX Balance : {$160.00} Inquires XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-12
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: Receivables Performance Management, LLC (FL)

I have not supplied poof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (IN)

Synchrony Bank / GE Care Credit # XXXX, was sold to attorney office against my knowledge in 2018. XXXX XXXX XXXX, PA ; ATTORNEYS AT LAW, held the account and filed court proceedings in the state of Indiana Small Claims Court. The care credit was removed from my credit once placed with attorney office and all of a sudden it reappears on credit report. I asked the lawyer, how did they get my account, when I had no knowledge of account being sold.
Consumer complaint received 2021-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

I have contacted Discover 4 times over the past 2 months regarding and issue with my credit report. 

I am showing late 30 days on my credit report on XX/XX/2019. 


I have sent numerous emails and letters to discover asking to remove this late reporting as it was at fault of discover. 

I got a call on from discover stating they received my complaint and the late reporting would be removed and now its been 3 weeks and I have received not email or letter promising this removal. 

Discover is now ignoring my emails as you can see in the attachment. All I am asking is discover remove this late reporting or I will be forced to sue discover.
Consumer complaint received 2021-11-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2021-02-03
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: GOLDMAN SACHS BANK USA (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX/XXXX XXXX Inquired on XX/XX/2020, APPLE CARDXXXX XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-11-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.