davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
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. (TX)

Dear Credit Bureaus, Attention : Compliance Department- CEO only According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. 

XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 
Provide physical proof of verification or delete each account permanently. 

Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when I reviewed my credit report and found a late payment on the following date : XX/XX/2016 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/XXXX I made aXXXX dollar payment to capital one on the XXXX they returned my payment and said it's a " no transaction account '' ( this is my business account mind you ) and then the following week charged me a late payment fee of XXXX dollars, I've read that this company has been doing this to people to gain this XXXX dollar fee it is 100 % fraud and must be stopped
Consumer complaint received 2022-04-30
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. (TX)

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and They keep charging my almost {$60.00} INTEREST EVERY MONTH. XXXX is still showing this account as open and it should be showing paid/closed, This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2018 I received another alert from XXXX XXXX pulled from TransUnion with derogatory information on a closed account reducing my fico score 30+ points.  XXXX XXXX XXXX XXXX. The creditor has been submitting intentional erroneous information in result of each and every dispute damaging my consumer file. 

The creditor has been monitoring my credit to the point any time their is a positive change since XX/XX/2017 they will update to pull score down through TransUnion. My TransUnion consumer file was 620+ before disputing erroneous information and fraudulent accounts
Consumer complaint received 2022-04-30
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. (TN)

Upon reviewing my credit file, incorrect information was found in my report. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law. I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust accordingly the XXXX  XXXX XXXX Balance : {$260.00} - Late Date XX/XX/22 [ 30days ] to my credit report.
Consumer complaint received 2021-06-09
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. (TX)

Dear Credit Bureaus, Attention : Compliance Department- CEO only According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. 

XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 
Provide physical proof of verification or delete each account permanently. 

Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2021-02-06
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: EQUIFAX, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2022-08-17
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently completed my 2020 tax return and gave my Bank of America checking account information to the IRS. 

My checking account was closed before my tax refund could be deposited into that account due to being overdrafted. 

The IRS says that have not received the deposit back from Bank of America.
Consumer complaint received 2020-01-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

( This is a continuation of a COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. ) I previously complained that Rushmore Loan Management Services continued to withdraw more than they were authorized to withdraw each month. After I complained to you, Rushmore Loan Management Services stopped withdrawing the unauthorized amount during the month of XX/XX/XXXX. However, in XX/XX/XXXX, Rushmore Loan Management Services began withdrawing unauthorized amounts from my bank account again. When my bank stopped payment on Rushmore Loan Management Service 's unauthorized withdrawals, Rushmore Loan Management Service retaliated by requiring that I only use certified funds to make future payments. 

In correspondence dated XX/XX/XXXX, Rushmore Loan Management Services stated they had records which show I authorized them to withdraw in excess of {$1000.00} from my account in XX/XX/XXXX, XX/XX/XXXX, and thereafter.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

Yesterday XX/XX/21 stating that our Escrow account was deficient in the amount of {$3200.00}. No one seems to be able to explain this shortfall to us. I have confirmed that our property taxes have not increased by more than {$350.00} dollars annually and our homeowners insurance has also not increased. When I spoke with the company " XXXX '' who services our loan from TIAA Bank, they stated that our property tax appears to have increased by about {$32.00} per month. I tried today to call TIAA bank as XXXX stated that they simply service our loan and these types of issues would need to be clarified by the bank. TIAA bank had answered my call and then placed me on hold for 2 hours 48 minutes before my call was disconnected. We have never missed a payment, they have never been a day late. We have auto payment setup to withdraw the funds on the 1st business day of the month. I need someone from TIAA bank to explain what happened and why this money is owed before we pay it. It just does not seem right that we can not get a satisfactory explanation.
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/2021 at XXXX XXXX  I sent a payment to XXXX XXXX for XXXX $ in exchange for a used XXXX that he was advertising on XXXX Market place. It all started when I sent a message to XXXX XXXX  who was advertising the XXXX for sale. It was marked at XXXX XXXX I then asked for a video for confirmation that it was working and that everything was in order. We then discussed payment methods, we first tried XXXX XXXX, then cash app, then finally Venmo. Once he had received the payment he blocked me on XXXX and Venmo. I have all the chats saved so if you would like me to send pictures of all the chats I can do that. I then reached out to Venmo and asked if they could stop the payment from going through as it was fraudulent. They told me that there was nothing they could do. I talked to my bank and they recommended closing my account to prevent any transaction from going through. This worked as no money was ever withdrawn from my account. On XX/XX/XXXX I received an email saying my payment did not go through from Venmo due to my bank account being closed. The email then told me that they had paid the scammer anyways and that I owed Venmo XXXX XXXX
Consumer complaint received 2024-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NE)

During the COVID-19 pandemic, I attempted, multiple times, to request any possible assistance related to my payment. Each time I was denied any information or assistance whatsoever. Once I fell behind on my payment, the aggressive tactics began. Repeated calls from multiple different numbers, most of them from different states, and each one escalating in threats of repossession of the vehicle. During the entirety of me having the vehicle, I repeatedly offered to pay whatever I could afford, even if it wasnt the full amount. Each time I was denied in an angry manner. Once I was no longer willing to fight the company anymore, I voluntarily gave the vehicle back. They spent more than 2 weeks attempting to get me to keep it for more charges. I refused and continued to beg them to come get it. Then after they sold it at auction, they now want me to pay the difference. I have paid them back the amount that I borrowed originally. The rest is all due to extreme and unnecessary fees.
Consumer complaint received 2021-02-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (IL)

On XX/XX/2019 I was taken to the emergency room of the XXXX XXXX XXXX on XXXX XXXX in XXXX. After being treated and discharged the desk attendant stated that they had my account on file and that I owed no money for the service in the hospital. I exited the building and went on with my life. This is the University XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Two months later I received statements of account asserting that I owed money to the hospital for services rendered, contradictory to the assertation of the attendant. I submitted my insurance and XXXX XXXX  account information to them via telephone. 

A couple of months after that I received another statement stating that I was past due on payments. I again called in and submitted my insurance information to the representative. 

A month after that I received another statement claiming that I was delinquent on my debt. I then used the USPS return slip they submitted to me to return them documentation of insurance and my XXXX XXXX  coverage. 

Finally, after almost 1.5 years, they have again escalated the situation by sending my account into collections, with an incorrect amount. This is negligance in its purest form.
Consumer complaint received 2022-01-13
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)

On XXXX XXXX I went to XXXX XXXX XXXX to get an invoice after viewing on XXXX Credit Report, after the repossession XXXX XXXX XXXX invoice states the pay off balance on XX/XX/2013 was XXXX, XXXX dollars, I ask them to give me a copy of how much they resold the vehicle for, they are reporting a balance on XXXX on my Credit Reports, I ask XXXX XXXX XXXX how they got the balance. They were no help & gave me the runaround
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

I am a new customer of Bank of the West. It took over a month just to open after moving because they kept closing the branch and I ended up driving XXXX miles to XXXX XXXX from XXXX just to avoid going with XXXX XXXX XXXXXXXX. 

XXXX I couldn't get mobile banking to accept a check deposit so I had to deposit in my old XXXX Florida account I hope to be able to close in XXXX when my XXXX direct deposit is changed. I then deposited a check from my own XXXX account to my Bank of the West which it did accept after a couple of tries. Problem is there has been an unreasonable hold placed on my deposit. I was told by customer service when I called there is nothing she could do once the transaction has decided to place a hold. I find again the old excuse of blaming a computer without offing any human assistance. This check is from myself and only for {$100.00}. 

I am XXXX years old and about to have my XXXX insufficient funds since I was XXXX costing me more money and ruining my XXXX credit purchss that takes directly from bank. 

The XXXX issue is XXXX and XXXX XXXX being allowed in the name of voice verification. For XXXX years I have had to argue with every customer service rep I have ever had about who I am. Bank of the West wouldn't even allow me to open via online like they do other people. I shouldn't have to go into private XXXX details about medical conditions that affect my voice like XXXX  and XXXX. I can accept needing to make XXXX correction but XXXX times and still being called the wrong pronoun when my birth certificate says male? This constant arguing affects my physical health and emotional wellbeing and it must end. 

What is worse is my check has cleared XXXX but Bank of the West is still holding my money and I need to get my cat to an unexpected vet visit with the other half of the {$100.00} I deposited.
Consumer complaint received 2021-06-09
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. (MO)

The original debit was with XXXX XXXX then sold the debit to XXXX XXXX XXXX. On XX/XX/21 XXXX XXXX XXXX agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. Experian and XXXX arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, XXXX XXXX XXXX
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was checking my credit report to make sure that the information that was there was accurate and found out that I am the victim of identity theft. I noticed an account that was on my credit report that I didn't apply for. Somehow someone used my personal information to fraudulently apply for a credit card. I am not sure how my personal information was obtained but the criminal has charged over XXXX XXXX dollars on a credit card that I did not authorize an application for and that I do not have.
Consumer complaint received 2020-01-25
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. (FL)

I was checking my credit report to make sure that the information that was there was accurate and found out that I am the victim of identity theft. I noticed an account that was on my credit report that I didn't apply for. Somehow someone used my personal information to fraudulently apply for a credit card. I am not sure how my personal information was obtained but the criminal has charged over XXXX XXXX dollars on a credit card that I did not authorize an application for and that I do not have.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I went to XXXX XXXX XXXX to get an invoice after viewing on Equifax Credit Report, after the repossession XXXX XXXX XXXX invoice states the pay off balance on XX/XX/2013 was XXXX, XXXX dollars, I ask them to give me a copy of how much they resold the vehicle for, they are reporting a balance on XXXX on my Credit Reports, I ask XXXX XXXX XXXX how they got the balance. They were no help & gave me the runaround