davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: First Technology Federal Credit Union (OR)

Around XX/XX/XXXX or XXXX, 2019 ( First Tech Federal Credit Union has the specific date when I paid off the loan for the camper ), XXXX dollars and am waiting for the XXXX title to mail me since the date I paid off. The location is here in XXXX XXXX, XXXX, Oregon. Twice, my loan officer for the camper called the headquarter about the whereabout the title is. They said they released the title XX/XX/XXXX and would be mailed around 5 days. Last Monday, I went to the First Tech bank officer again and he called them. They mailed XX/XX/XXXX. Now it is not here yet as XX/XX/XXXX. I will go to the bank officer again about this. I am afraid about my consumer who wants to buy my truck camper and needs this title so he can get a loan. He pateince with the progress. I never experience with this First Tech compared with other banks. 
Let me know what I need to cover more that I need to do addtional information. 

XXXX XXXX XXXX email XXXX XXXX XXXX Text only
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Purchased a new XXXX from XXXX XXXX XXXX XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that XXXX was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since XXXX was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XX/XX/XXXX. In XXXX XXXX started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. XXXX never reported those payments. I received my settlement in XX/XX/XXXXand XXXX accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

it was a " stale debt '' from XXXX XXXX, XXXX, judgment which was never registered in XXXX XXXX court register department, XXXX XXXX XXXX, florida. it is the third time that I warned the midland credit management, inc., of the past due debt but agency continues collection efforts.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

By beginning of XXXX I discovered that my Bank of America Unemployment Card was used without my authorization and card was lost. 
I received a credit for the purchases after the dispute was submitted. 

By beginning of XXXX, the first week of XXXX, when I tried to log in on the online banking for my Unemployment Card the card was closed, I called Bank of America en they informed that Unemployment requested the closure of my account ( they lied to me ) I contacted Unemployment and they didn't know why my account was closed. 

The weekly deposit for XX/XX/2020 is not returned to Unemployment and Bank of America is not displaying the deposit in the online banking either, my unemployment website shows that the deposit of XXXX was complete on XX/XX/2020. 

When Bank of America reopened my account after I was several days calling, my account was negative for the amount of the credit that they provided about the dispute completed back on XXXX. 
They first time I called I was informed that my dispute was closed due to a prepaid account was closed and they credit taken from my account by Bank of America, agent said that she will submit a ticket on my behalf so they can reopen the claim and provide the credits again. 
I spoke with different customer service agents and agents from the Dispute and Fraud Depto in Bank of America, to mention names XXXX and XXXX, XXXX is a supervisor in Disputes and Fraud, Dpto handling the dispute opened in XX/XX/2020, I was informed by XXXX that there is thousands of customers with the same issue and Bank of America is correcting 1 by 1 and they don't work holidays or weekends, they don't have a estimate time for completing the ticket that she submitted about my case. Also XXXX informed that the ticket that I was told that they will submit on my behalf was never submitted but she will send a ticket on my behalf. 
This week I been trying to call Bank of America and every single time I tried to call from the phone that I have registered in my Unemployment Prepaid Account with them, Bank of America sent me to the Voice Mail or hanged on me, I never received a call back for the voice messages I left, but when I call from a different number that the one that I have on my account they answer and when I explain my situation they said please give me a moment to ask something to my supervisor and then transfer my call to a different person or department different than Dispute or Fraud, obvious they can not help with my case. 

It is a very frustrating situation, unemployment still depositing my weekly payments to that prepaid Bank of America debit card but since my account is negative because Bank of America don't want to resolve the situation my unemployment payments are covering the negative balance.
Consumer complaint received 2019-10-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (OR)

On XXXX XXXX XXXX XXXX opened a unauthorized credit card in my name with XXXX after saying they needed to run a credit report ) There are 2 charges totaling {$6600.00} I've made over 20 attempts of contacting them.They initially said they could not find me in their system after giving them my SS # they confirmed the 2 charges and transferred me to the fraud dept upon  connecting with them i was told they could not find me in their system with my SS # once again and this scenario has been repeated by them every day since.I have the receipts for the 2 transactions totaling the {$6600.00} thru the culprit company XXXX XXXX which obviously works in conjunction with this company XXXX. I have not received the card nor statement from them i the mail to date.I have since learned they opened another credit card with another company XXXX XXXX XXXX Comenity Capital Bank with the same 2 charges so that grand total is {$13000.00} The later company has been working with me and froze the account. XXXX has been contacted several times fron the XXXX today was the first i heard back from them saying there going to do there own investigations before clearing the matter of the full $ XXXX will appreciate anything you can do to help in this Matter!
Consumer complaint received 2022-03-10
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-10-22
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)

There are currently numerous collections and inquiries listed on my report that I have no knowledge of. I did not initiate to open these accounts or inquiries, whereas they are a result of fraud or malpractice.
Consumer complaint received 2019-10-31
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: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

My account with XXXX XXXX XXXX XXXX was recently report falsely 30 days late for the month of XXXX even though at the time I was in the process of filling an extension which was granted and I was told they would not report a 30 day late. At that time I wanted to be better safe then sorry so I asked for a letter and the representative I spoke with told me not to worry and I have his word that they will not report a 30 day late. 

I believed that representative but found out a month later that they did in fact report to all 3 credit bureaus a 30 day late. I was able to find out this information through XXXX XXXX. 

I then called several times and I was told the only person that can help me is an individual named XXXX XXXX who is a manger of the entire credit department. When I spoke to he it was as if I was speaking to a robot as she did not listen, spoke over me, proceeded to tell me she could not help me and told me they can not give charity out. 

Needless to say I was very upset and asked to speak to her manager at which point she hung up on me. I then called back several times at which point I was told her manager 's name is XXXX XXXX XXXX who would only communicate to me through email even though I repeatedly called him with no response. He did respond saying that he could not help me and they have helped me in the past and I was luck that I received that and was very cold and rude through his emails. 

Please help me on this matter as I am very unhappy and I still have not resolved this issue and nobody is calling me to resolve.
Consumer complaint received 2023-01-20
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-20
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. (NC)

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2020-10-22
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: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND FUNDING ( MCM # XXXX ) CONTINUE VIOLATED " FDCPA/ FCBA '' WITH HARRASSMENT, THREATS AND DEMAND NOTICE FOR PAYMENT OF ID FRAUD ACCOUNT NOT MINES, ACCOUINT OUTDATED PAST CALIFORNIA STATE STATUE OF LIMITATION ( 4YRS ) OPEN ENDED / CREDIT CARD ACCOUNT HAS EXPIRED TO COLLECT ... NOTE : FORMAL COMPLAINT AFFIDAVIT FILED WITH XXXX  CASE # XXXX, FTC CASE # XXXX AND POLICE REPORT FILED WITH " XXXX XXXX XXXX PD CASE # XXXX
Consumer complaint received 2020-10-22
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)

XXXXI reached out to TransUnion to remove some UNAUTHORIZED inquiries. I mentioned to them that I have already contacted the creditors ( XX/XX/XXXX ) associated to such inquiries and they have none of my information on file. However, TransUnion will not remove these from my credit report. 
INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX ) XX/XX/XXXX( XX/XX/XXXX ) XX/XX/XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX )
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On XXXX XXXX the agency sent a letter stating they had completed their investigation and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. I feel like I'm being taken advantage of of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for ligation due to the stress they have cause me.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Credit not applied for purchase not made even though merchant reimbursed my account. Also Capital One rebelled me for same charge merchant reimbursed me for. The original charge never taken off my credit account {$26.00} dated XXXX XXXX. This charge is on my 4 times, I only completed transaction one time around XXXX XXXX ( purchase from XXXX  order # XXXX ) that is the only order completed. Capital One exploits the consumer cyber crime is the most hedious prevalent crime being done today. with this pandemic going on cyber crime is getting worse. If you can not resolve the issue please take it to the next step.
Consumer complaint received 2022-04-05
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)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-25
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. (FL)

They reported a derogatory mark to the credit bureaus, listing it as a charge off because I did not send them the documents they had requested. 
XXXX  XXXX XXXX, requested a bank validation letter from me. I sent the bank validation letter on XX/XX/XXXX.. XXXX XXXX XXXX  repeatedly told me it would take x amount of time to reinstate my account. I followed up with XXXX XXXX XXXX  after the time had been sufficient as they had stated. Then they after speaking with a supervisor, then a manager for almost 3 hours they told me they had never received my bank validation letter. I told them that my XXXX indicated that I had sent the letter per their instructions ... with my card number, the bank validation letter in a PDF format. They researched the emails after I sent them the original email showing the date XX/XX/XXXX. Then they claimed to have found it but could not open the PDF file, ( Ive sent many PDF files via email and every one has been able to view it ). So, I disputed it with the Credit Bureaus. Not only did they not resolve my issue but XXXX XXXX XXXX  now reports that I am late for XXXX, that is not true I paid twice in XXXX.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I've applied for American Express XXXX XXXX card in order to extend our present AmEx credit portfolio. We, XXXX XXXX XXXX, were seeking for a product, which would enable us to earn additional rewards points on shipping and advertising products, which is a main reason why we chose that product and I, XXXX XXXX, decided to apply for it. However, my application was denied/rejected. 

While I was researching for a denial reason, I've been serviced with such reasons - quote 'Your consumer credit report indicates your payment history has been unsatisfactory ; The number of your payments in relation to the overall balance on your American Express account ( s ). ' Which is complete blasphemy. None of my credit report from all three major credit bureaus indicates a single missed payment, nor an account in collections. On top of that, I have an excellent payment history in general and the same could be told about my personal and business account with AmEx, a member of which I've been since XXXX. 

Additionally, I currently don't have any high balance on any of my card, especially personal ones. They all have been paid for, in time respectfully. 

Also, during the research, I've noticed that American Express didn't even obtain a copy of my recent credit report since I don't see a hard inquiry on any of major credit bureaus and especially in XXXX 

As proof of my words, I'm attaching the copies of my credit report, indicating excellent credit history.
Consumer complaint received 2020-10-22
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. (PA)

Good Morning Error was detected on my credit report and filed an investigation into the matter utilizing Experians online dispute portal Experian Report # XXXX Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant. 
Despite no response from the company, Experian verified the information Experian has a duty to validate information, not pass the burden to the consumer This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to others and previous civil ligation, I have received zero correspondents from the original creditor. Company directly submitted information to credit bureaus without notification or validation and Experian continues to furnish and sell incorrect information which has caused negative impacts
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

For the last 18 months I have been getting these collection companies trying to collect a bogus debt that they say I owed to XXXX XXXX which I currently have an account with. If i owed XXXX XXXX  anything they have my personal info and would have contacted me. When I moved and set up my new services at my new address there was nothing owed on this account, I will not pay for something I do not owe no matter the amount or the discount that they offer to clear this up. I have called and told the collection agency and they say ok then they sell the debt to another. Now I see they have dinged my credit report with a collection, this behavior is illegal and these companies should not be aloud to act in this manner. I want my credit report cleared and the companies XXXX XXXX XXXX XXXX 1st one to send me notice that I called and told them this was bogus then the bogus debt was bought or transferred to AFNI XXXX I am holding them responsible and want them prosecuted
Consumer complaint received 2023-01-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX, TRANSUNION and XXXX the credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2020-10-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.