davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  I Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

yes XXXX XXXX useing my ssi information for this credit card fraud on my credit report address u need contact her 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian has been notified that the office of the attorney general does not properly report payment history no less that 3 times. Every time I dispute, oag updates the payment history. If oag is to be allowed to report to the credit companies, they must report accurately. They have consistantly proven that they are un able, there fir they must be blocked from reporting and the item must be removed from my credit file. 

Experian has asked me to upload the agreement between me and the oag, to prove that they are reporting inaccurately. I tried to upload to their website 3 times but it fails each time. 

In the attachment you will see that the agreement is new, I can not be past due for a new agreement. You will also see that oag does not own the debt, therefore they can not report on the debt, that is the responsibility of the debt owner. You will also see that oag does not disclose how they will report late payments, so reguardless of what they say, they have no authority to report, and they can not report at all since the info is not disclosed in the agreement. Please remove from my credit file and block further reporting. 

Also, I was not given a choice to sign or not sign, I was forced to enter into the agreement against my will.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have banked with Bank of America for 51 years, starting in XX/XX/XXXX. On XX/XX/XXXX, I  received two letters saying they closed my accounts out. I have no idea why! I went to my local branch who called and was told they are not allowed access to the reason why. I now have checks bouncing, have two XXXX XXXX direct deposit checks coming to a closed out account, and no access to my money!!!!! This is outrageous! They told me my money was mailed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received it and I have no access to my money! It does n't take this long to get mail and they should have expedited this amount of money! Why did n't they call me and tell me to go to my branch and get a certified check BEFORE they closed my accounts?!!! I called the number on the letter and they WO N'T tell me why either. They just repeat over and over that they have the right to terminate my accounts. On XX/XX/XXXX, I made several more calls to XXXX. I spoke to XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX was the only one who was not smug or rude. She said my accounts were ruled " high risk ''! She even reviewed my accounts and said that she saw nothing out of order.I get a CA-PERS and social security direct deposit once a month. How is that high risk?! I 've done nothing fraudulent. I have never been arrested or even had a parking ticket!!!! I guarantee that this is a mistake. I did NOTHING wrong!!!!! I do n't have a clue as to why they did this. XXXX told me they sent my money to me 4 days ago on XX/XX/XXXX, but it may take 7-10 business days! Why are they allowed to do such a disgusting and harmful act without telling me?! Please contact them, find out why they did this and get my money back ASAP!!!!!! This is so outrageous egregious and an abuse of their authority. What if they did this to you? Why are they allowed to do this to people then say XXXX you, we do n't care? 
Thank you for your much appreciated help.
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

Was informed by XXXX that company sold debt to Jefferson Capital. 

A debt validation letter was sent to this XXXX explaining that Consumer was the Original Creditor and to produce a contract between Consumer and them that gives them grounds for collecting a debt form Consumer ( U.S vs Throckmarton, 98 US 61, at pg. 65 ) Consumer has no contract with this thirds party debt collector. XXXX continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX failed to let Consumer know how much the debt was sold for, and if the debt was assigned to a third party, Jefferson Capital and the Consumer have a right to know what their commission. A Cease and Desist Letter was also sent to XXXX 15 USC 1692C ( b ). Consumer is not allowed to have or purchase Consumer information without consent. This is an infringement upon Consumer Right To Privacy. XXXX states " This is an attempt to collect a debt and any information obtained will be used to do so ''. 15 USC 1692e ( 11 ). Additional Violations 15 USC 1692c 15 USC 1692d 15 USC 1692e 15 USC 1692f 15 USC 1692h 15 USC 1692j 15 USC 1692k
Consumer complaint received 2021-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

MIDLAND CREDIT MANAGEMENT has been flagging my account over and over for a debt that I have not validated. It has become harassment after I filed a dispute. This company all of sudden began flagging my credit reports daily to XXXX XXXX and XXXX  with multiple accounts without giving me my consumer rights prior with documentation to verify. Under section 809 of The Fair Debt Collection Practices Act, collection agencies are required to validate debts they are attempting to collect. If I did not validate the debt, they must remove all the collections accounts immediately from all bureaus from your credit report as this is a violation. Why is this company reporting to credit bureaus before communicating to me? Ive never heard from this debt collector before yet they claim it opened last year. Another lie. If I disputed, the debt was not validated.
Consumer complaint received 2023-01-18
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. (NJ)

15 U.s.c 1681 section 602 A. States I have a right to privacy..15 U.S.C 1681 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.15 U.S.C1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt
Consumer complaint received 2021-10-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was shocked when I reviewed and I still found multiple inaccuracies on my credit report. I have sent multiple letters to these 2 credit bureaus but never did I receive any correspondence. I have been asking for proof that these account in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, they need to remove it from credit report. I'm tracking all of the letters I have sent and these unverified accounts affects my scores badly.
Consumer complaint received 2021-10-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Since they bumbled my initial modification ( lost my paper or held my papework ) XX/XX/XXXX Mr Cooper has yet again used practices to confuse me and be malicious. They have purposely bogged this process down and have been waiting on documents that have been already submitted i asked for all documents associated with modification to be sent to me so i can forward the information to people that can help mr cooper sent me a letter stating they will send it no later than XX/XX/XXXX. Meanwhile i applied for the hemap loan and they told me on XX/XX/XXXX they sent notice to mr cooper. Mr cooper responded like they said .... ANOTHER KNOCK ON MY DOOR BY A MAN IN A RED XXXX who was upset that i wasn't home and wanted to know where i was and asked a bunch of question to my neighbors daughter who just so happened to be there cause he was looking in the window. What happened to just leaving it under the door like you guys have done twice before now we have interrogators. I would have been in a modification XX/XX/XXXX or janurary XXXX but they held my documents then ask me to submitt the same documents again through the same method that caused uncesserry hardship no so i filed and kept filing and they kept appling interest etc and now im waitign on this descion from the commonwealth and they are so eager to follow thier interpretation of the law they forget that im tryign to get assistance or that they havent given me any documents showing the paper trail
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

This complaint is regarding Case ID XXXX. PayPal decided this case in the buyer 's favor, even though I provided hard evidence that : 1. The buyer hired me for 8 hours of work ( confirmed via text message ) 2. I completed 8 hours of work ( dates and screen shots provided ) 3. The buyer sent me an email saying " I honestly like your work a lot '' after the work was complete ( email with headers provided ) This dispute was a case of flagrant theft of services from me by the buyer. The buyer is even now using all of the work I did on his website at XXXX XXXX XXXX
Consumer complaint received 2021-06-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I, Consumer XXXX XXXX XXXX XXXX XXXX XXXX, entered into a consumer credit transaction with Bank of America, N.A. on XX/XX/2021. I went to exercise my federally protected consumer rights and asked Bank of America to validate the debt and cease communication. None of which occurred and now they have reported negatively on my consumer report which prohibits me as the head of my house to provide for my family. They continue to violate my federally protected consumer rights as if they do not exist and even went as far as claiming that they do not fall under FDCPA ( Fair Debt Collection Practice Act ). If that was true I wouldn't have received statements via USPS that said this is an attempt to collect a debt. It is truly sad that they deceive other consumers at such a high degree in an attempt to coerce payment. I will be pursuing litigation for violating my consumer right to privacy and embarrassing me on my consumer report, my reputation, by reporting to the consumer reporting agencies a transaction/experience between myself and Bank of America, N.A. that should have never been furnished in the first place pursuant to 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ).

In good faith I offered Bank of America, N.A. an opportunity to cure for default and they disregarded and in return reported negatively to my credit report
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Direct Recovery Services, LLC (AZ)

They havent tried contacting myself directly but have been calling friends who arent connected to me legally in any way. They have called multiple people which would require some serious information digging or online account stalking to get information from these acquaintances. They also said, it would behoove you to call before we take aggressive actions against you. 
I feel as that is some sort of threat against me. 
I dont even know what debt they are trying to refer to- I cant find their information on my credit report anywhere & the account number they gave results in an inaccessible account from the website of the company. 
Again, they have NEVER tried contacting me directly & the lengths theyve gone to reach out to these indirect acquaintances, along with the information they share ILLEGALLY makes me feel unsure about their integrity as a company.
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (TX)

I paid off the account, AAFES which was assumed by XXXX XXXX XXXX. I contacted the XXXX XXXX in XX/XX/2020 for the balance of this account so I could pay it off in full. They told me the balance was {$3300.00}. By XXXX XXXX, 2020. I paid the entire balance off and was later informed that I overpaid by couple of dollars. I requested a refund and they never sent to me. I receive another bill charged for interest on an account that was paid off. The balance was {$2.00} but they only applied {$1.00}. Now the balance is XXXX cents. This company continuously defrauding me every month and refuse to show that the account is paid in full and close it.
Consumer complaint received 2021-05-24
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: BMW Financial Services NA, LLC (GA)

In XXXX 2021, I agreed to lease a vehicle through XXXX XXXX of XXXX GA where I authorized the dealership to pull my credit report for the purposes of fulfilling the lease agreement. The dealership had several issues with completing their end of the lease agreement and supplying a vehicle that was contractually agreed to. When they were unable to fulfill their end of the agreement with an existing vehicle, they had to order a new vehicle from the factory. Once the new vehicle was on the lot, I was preparing to go exchange vehicles and I received an alert that my credit report had been pulled again, this time WITHOUT my written or expressed consent. This happened today ( XXXX XXXX ). This is improper use and unauthorized access to my credit file. I explicitly expressed my concerns to the dealership and have received no response as of yet. I have notified them that I was filing an official complaint with the CFPB for this unlawful practice.
Consumer complaint received 2020-11-16
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. (FL)

XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as an unpaid " collection '' when the original XXXX XXXX XXXX  account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XXXX, 2020. Complaints to XXXX XXXX and the credit reporting agencies have been ignored.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2021-10-18
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. (CA)

I have called and disputed these account called the department of education was told that I dont have an account everything is paid in full. I have two accounts are still showing on my credit file as in collections 120 days past due and its just not my account. The accounts that are on there are showing the same account numbers for both amounts are different no one can tell me where these accounts are and keep asking for paperwork nothing. 
Account # XXXX amount {$2600.00} Account # XXXX amount {$3400.00} I sent letter on XX/XX/2021 no response
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CT)

Navient continues to erroneously report old student loan accounts that I consolidated with them, paid every month on time until it has finally been paid in full. The four loans they consolidated first went into default in 2009 and for whatever reason, they simply refuse to remove it off my credit reports. I have tried to dispute it with them. I have tried to dispute it with the credit bureaus to which they specifically told me NAVIENT is reporting the items as accurate. I even filed a complaint here ( XXXX ). They replied that they have nothing to do with the reporting of those extremely old accounts that should of aged off years ago and to contact XXXX. I contacted the original lender XXXX  and they told me they are not reporting anything to the bureaus about me and no longer even have records of me having had loans with them - that is how old these loans are. 

I am enclosing proof that it is in fact NAVIENT that is reporting these old student loans as recently delinquent. I spoke to representatives both at XXXX XXXX and XXXX  and they both confirmed that it is NAVIENT who continues to report these accounts to my credit report. Please see contact information at the end of each report. This is affecting my credit greatly. And during this pandemic and all the lawsuits against Navient I would of guessed theyd take closer look into my complaint and see where they erred as this is costing my such financial and emotional burden.
Consumer complaint received 2017-12-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

TransUnion wilful violated 15 U.S.C.1681i ( a ) ( 6 ) ( A ) ( B ), by : A. Failing to provide written notice of the results of its investigation within 5 business days after the completion of its investigation ( XX/XX/XXXX ) ; B. Failing to provide in writing before the expiration of the 5-day ( XX/XX/XXXX ) period referenced to in subsection ( A ) - ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 

As a result of TransUnion 's violations of the FCRA, XXXX XXXX has suffered, continues to suffer and will suffer future damages, including denial of credit, lost opportunity to receive credit, damage to reputation, worry, distress, frustration, embarrassment, and humiliation.
Consumer complaint received 2020-12-11
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: CITIBANK, N.A. (TX)

I have a Citi credit card set to auto pay from XXXX, the Citi bill is due on XX/XX/XXXX. On XXXX Citi processed the autopay for the full statement balance. XXXX declined the auto pay and sent me and email of the issue all on XXXX. On XXXX I made an internal transfer at XXXX. 
On XXXX I went to the Citi digital site and attempted to pay the Citi statement balance. I received an error that I could not make a payment greater than 12.5 % of my current balance. I then called Citi client support who then told me nothing to be done I had to wait 2 business days at which time the payment would show declined. Two business days moves the date to end of business on XXXX. 
On XXXX I log into XXXX and I show the payment has been automatically re-processed by ACH. 1 day to clear ACH Citi has the money on XXXX. 
XX/XX/XXXX Citi card still being declined and now I have a statement showing late fees and interest although my Citi statement and on-line site still shows the payment made and I am under my credit limit by 30 %. 
XX/XX/XXXX I start on-line chat with customer support they tell me they are unable to assist I must call in. I call in, talk with supervisor, said nothing to be done, they have put a hold on the payment until XX/XX/XXXX although they have had the funds since XXXX. Meanwhile they are charging me a fee for being over my credit limit although according to my statement and the on-line site I am well under my limit, not to mention Citi actually has all of the money. Now all automatic payments are being rejected which requires me to manage each one of the auto pay accounts. Keep in mind the Citi bill was not due until XX/XX/XXXX. The Citi support agent recognized the issue, asked if I could get XXXX on the phone with him to verify the money had in fact been debited from the XXXX account. I said yes we could do that, he then went to his internal Citi group that could release the hold on the account and they told him they would not. He was left with no option other than to apologize for Citi. 
To recap, tried to pay the bill early and couldn't but still paid on time. In the end hit with a {$29.00} fee from Citi. The Citi system creates an issue where even if you identify a problem early, neither Citi employees or myself could do nothing to stop the system from abusing a consumer. 
Although I have the means in which to manage these types of problems, I can only imagine that many do not, especially during a pandemic.