davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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: OneMain Finance Corporation (VA)

In accordance with the fair credit Reporting act One Main has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681A Definitions Rules of Construction
Consumer complaint received 2022-05-02
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. (IL)

I and my place of employment were directly affected by Covid during XXXX, XXXX, & XXXX of 2020. Due to this the payroll department wasn't able to process our checks and I fell behind. After calling all companies involved and explained my situation I made agreements to get caught up. Which I lived up to Most of my credit cards have XXXX straight months with on time payments until Covid.
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (VA)

On XX/XX/XXXX, my XXXX XXXX XXXX XXXX Account was fraudulently charged by a merchant named " XXXX XXXX XXXX in the amount of {$160.00}. On XX/XX/XXXX, the same credit card was fraudulently charged again by the same merchant in the amount of {$180.00}. I submitted a statement of fraud to XXXX XXXX but the company didn't do anything, instead I was charged with two late fees in the amount of {$38.00} and {$29.00} on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, there were two interest charges in the amount of {$8.00} and {$7.00} respectively. I don't recognize the merchant nor did I receive any products from them. The current balance as of XX/XX/XXXX is {$580.00} due to incurring interest charges and late fees. I have tried to resolve the issues with XXXX XXXX fraud department but ended up with negative results, stating that the charges were valid. I even submitted a police report from XXXX Police Department reporting the fraudulent charges. These issues caused my credit score to dip down to 500s. Request that appropriate agencies investigate XXXX XXXX XXXX XXXX company and the merchant " XXXX XXXX XXXX ' for impropriety and defrauding the consumers.
Consumer complaint received 2018-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller and Steeno, P.C. (MO)

A judgment was filed against me by an attorney on behalf of XXXX XXXX in XXXX. In XX/XX/XXXX, the judgment was declared satisfied due to the judgment not being revived within the statute of limitations. In XX/XX/XXXX, I received a letter from the same attorney demanding payment.
Consumer complaint received 2020-08-30
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: ERC (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$0.00} XXXX XXXX {$1900.00} XXXX {$1100.00} XXXX {$28000.00}
Consumer complaint received 2018-07-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (MN)

I contacted XXXX XXXX, a collection agency based out of Kansas who was been reporting I owe them {$650.00} from a SpeedCash payday loan from XXXX. I contacted them in XX/XX/XXXX in which they offered me a settlement of {$500.00} on the debt for {$650.00}, I do not recall them saying anything about it expiring. 
I contacted them again in XXXX of XXXX in which they still had that settlement available for {$500.00}. The representative incorrectly disclosed the existing debt to what would be an unverified 3rd party on the inbound call, which violates FDCPA. 
I called them again last week and asked to pay the {$500.00} settlement, and now they refuse to take it, stating that it expired and now I can only pay the {$650.00}. I asked to speak to a supervisor and received the run around by the rep who was apparently passing messages from myself to her supervisor, and back through to me about why she's not going to take the call. ( This is unprofessional ). 
I ask to speak to the Director of Operations or the director of the floor and was told that there was only one manager in, and it was XXXX. After alot of begging XXXX did finally take the call and refused the {$500.00} payment of the settlement I was offering to pay today. I advised her that one of the reps there committed 3rd party disclosure on the call in XXXX and although she said she can review the call, she did not seem to care much. XXXX XXXX never advised me of the settlement expiring and I feel that as soon as I was ready to pay, they took it away and want the full balance now. 

I request that the CFPB does an independent audit at XXXX XXXX, reviewing every settlement call they have ever had to see if in fact they do or do not expire, and if they have ever accepted a settlement from a consumer after it allegedly " expired. '' I feel that that the {$500.00} COULD still be taken, but they are instead attempting to take advantage of an unemployed consumer to get more money.
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc. (MD)

We owe no debt but have been getting robocalls attempting to collect debt from ( no name provided ) at my cell phone number. I cant report them to the FTC because apparently anyone pretending to be collecting a debt doesnt have to abide by the Do Not Call list, even if the debt is imaginary. The call on XX/XX/XXXX at XXXX came from XXXX ( XXXX ) XXXX.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This complaint is against Capital One/Kohls and then their reporting on my Consumer Report - and with respect to FCRA/FDCPA. 

Complaints have been filed and with each CRA, for the incomplete - and then inaccurate reporting done to tradelines on my report. As per FCRA - they must be complete - and then accurate. 

My stance is from an tech/integration/reporting point of view - you, collect, store, manage then then send ( integration/file ) to a CRA - and, there are innate problems. 

Imagine if - your kid came home with a report card, and - there is no name, then there is no score, the semester is never identified - is it real? 

Understanding this - key attributes that anchor an account on a consumer report in a CRA - expect fields ( not text ) to reside on the tradeline for accurate reporting and, better - score calculations. The best tech teams in the world would NEVER use a free form comment/text field in an algorithm. Your reporting on mine - and as listed isn't complete and/accurate. 

XXXX. All Accounts in Question ( attached ) have a " ( CLOSED ) '' in their description XXXX. Account Numbers - are wiped out, blank - NULL XXXX. Available Credit - is displayed, populated - when - a closed account and regardless of the reason - is like - impossible XXXX. Debt to credit Ratio - applies to open accounts - i.e, how much of the credit extended are you using XXXX. Payment/Balance/Rating History is wiped out - blank - NULL XXXX. When Pay/BAL/Rat history is blank - there is no was to see the natural progression of the account XXXX XXXX ) and then where of when a DOFD and its amount occurred XXXX. Once Closed - there are no terms XXXX. Date of Last Activity - blank, impossible to tell when there was a payment or amount increase XXXX. DOFD/FACRA Date - your DATA anchors to this tradeline are NULL XXXX. DATE CLOSED - where is this value? XXXX nowhere in the PAY HISTORY as a CLS ), nor populated in this field. Is the account still open? 

XXXX. Creditor Classification - is set to UNKNOWN, I am sure your organization know what they are The Tradelines you are reporting, and this complaint is across ALL CRA 's - are INCOMPLETE and then INNACURATE, and based on METRO2 Standards of integration and reporting. As a DATA FURNISHER - please fix the issues as so noted, or DELETE them. 

Attachments are provided for your convenience, and from XXXX While they are not all - all of your tradelines look exactly, the same. This issue ( as you program to METRO2 industry standards, and then as mandated from each CRA ) is tied specifically to the consumer 's right for TRUE ACCURATE and COMPLETE reporting as per FCRA/FDCPA. 


Please fix your tradelines - or delete them all, and from each CRA.
Consumer complaint received 2022-05-02
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: Navient Solutions, LLC. (MI)

My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a XXXX balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at XXXX with Navient. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at Navient in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX Navient still appears on my credit report showing delinquent from XXXX.
Consumer complaint received 2022-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Demand Lump Sum Repayment of Cares Act Loan Payments Granted Forbearance The bank has demanded {$27000.00}. They claim this amount is delinquent. 

This demand includes payments from XX/XX/XXXX, through XX/XX/XXXX, which received forbearance under the CARES Act and can not be demanded as a lump sum : https : //www.hud.gov/sites/dfiles/SFH/documents/IACOVID19FBFactSheetConsumer.pdf Federal Housing Administration Mortgages FHA does not require lump sum repayment at the end of the forbearance. 

The demand also includes XX/XX/XXXX, and XX/XX/XXXX payments which were paid on time but reported as delinquent. The bank is demanding that I pay them again. 

Each of the CARES payments includes an escrow charge for RE taxes. 

The County granted RE tax relief for the years XXXX, XXXX and refunded the bank - {$5500.00} for RE taxes in XXXX and {$5000.00} and {$5300.00} totaling {$10000.00} for RE taxes in XXXX for a grand total of {$15000.00}. 

These amounts satisfy the RE escrow components of CARES deferred payments and those payments should be reduced accordingly. 

Instead, the bank posted the refunds in escrow. According to generally accepted accounting procedures, this treatment is incorrect. Also, it is illogical as all of the bills for which the escrow account is set up as a reserve have been paid. 

The bank has refused to use the refunds to satisfy deferred payments. They have avoided the requirement that excess escrow must be refunded by keeping the account delinquent. 

XXXX Account # XXXX
Consumer complaint received 2023-04-05
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)

When I reinvestigated my updated credit report, I see that the same account was erroneous. Experian and XXXX are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unverified information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$4700.00}
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (CA)

This account is in reference to Account # XXXX which I have filed on XX/XX/XXXX, with the CFPB. I have received Somebody else 's personal information I have called XXXX regarding this matter they told me they weren't familiar with the information I have received. On XX/XX/XXXX I have received a package with a promissory note. I have called XXXX several times regarding my account which starts with XXXX. If XXXX can not verify this account please delete it if this account comes back verifiable please notify me on the information showing on file. I asked the XXXX Department of Education to provide me with information regarding account # XXXX. 
thank you.
Consumer complaint received 2018-02-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

I submitted a complaint to this company on XX/XX/XXXX with an extremely in-depth case and proof as to why this debt should be removed immediately from previous medical reasons. 

The company responded on XX/XX/XXXX and said " We have closed this account and ordered a deletion from all the credit bureaus to which we provide credit information. '' I expected the company to honor this, however after re-reviewing my credit report today it looks like the company has still reported this as of XX/XX/XXXX on my XXXX Credit Report. I would like to have this removed immediately as they've already stated they would do so. 

Thank you for your help. Please see the attached image.
Consumer complaint received 2022-01-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Was not notified of investigation status or results, there is so many things that are not being reported accurate and some are also outdated. I have been contacting the bureaus since XX/XX/2022 and they just fail to respond or do anything about my situation, I am frustrated and need some help getting them to report ONLY accurate info on my credit. This last time its been over 30 days almost 45 days and no response. Please help.
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Collection Services of Athens keeps stating they are not collecting on behalf XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  yet theyre still on my credit file, they are still in violation of the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX XXXX XXXX The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Collection Services of Athens does not have any documentation, they need to retract this from my credit file immediately
Consumer complaint received 2018-02-18
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. (CA)

XX/XX/XXXX Paid merchant for repair of equipment XX/XX/XXXX Advised merchant that repairs were faultly as systme not longer worked. 
XX/XX/XXXX Attempted repairs via walkthrough on telephone by merchant Unresolved and Merchant advised to bring in alleged faulty item back to store. 
XX/XX/XXXX Merchant advised that part was fine, I replaced the part into machine and still the machine would not work. 
Merchant advised that a home visit would be necessary XX/XX/XXXX Merchant unresponsive. 

XX/XX/XXXX Contacted Bank ( Credit Card ) for reimbursement XX/XX/XXXX Bank advised response from vendor indicated no record of my account being charged. I sent my statement showing vendor did in fact charge me. 
XX/XX/XXXX Bank sends letter indicating that I still have the merchandise and the matter was closed. I reminded the bank that my dispute was for services rendered that was faulty and NOT the purchase of goods. 

XX/XX/XXXX Contacted Bank Again to advise to re-open and re-investigate. 
XX/XX/XXXX No response from bank of htis date.
Consumer complaint received 2022-01-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Was not notified of investigation status or results, there is so many things that are not being reported accurate and some are also outdated. I have been contacting the bureaus since XX/XX/2022 and they just fail to respond or do anything about my situation, I am frustrated and need some help getting them to report ONLY accurate info on my credit. This last time its been over 30 days almost 45 days and no response. Please help.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/XXXX I applied for a auto loan with XXXX for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by XXXX XXXX XXXX XXXX. I recently applied for a loan ( not XXXX ) and noticed that there were some inaccurate information being reported by XXXX on XX/XX/XXXX to ( Transunion, XXXX, XXXX  ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with XXXX bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.
Consumer complaint received 2022-05-02
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I think around XXXX of XXXX, I noticed my mortgage company, Cardinal Financial, was reporting me as a delinquent account on my credit report of my mortgage amount of {$88000.00}. 
When I called, they said I owed {$15.00} for escrow or something like that. I paid an extra {$9.00} or {$13.00} to get it taken care of on the phone that day because I wanted it to stop showing up on my credit report. 
However, it has not disappeared. Here 's the catch- I am in forebearance with Cardinal due to Covid hardship and we are in the process of getting a partial claim applied. In the meantime they continue to report on my credit. 
Currently the amount is for {$12000.00} which I am guessing is the amount I need applied to my partial claim {$8800.00} plus any payments I have made that they are not processing. That is another phone call to them. 

I have told them more than twice and had my agent with Cardinal, XXXX, tell them to STOP reporting me on a credit report but they have not complied. 

1.They should NOT be reporting me because I am in the process of a XXXX hardship forebearance. 

2. The amounts keep changing on my credit report- on XX/XX/XXXX $ XXXX ; on XX/XX/XXXX {$8800.00} ; on XX/XX/XXXX - {$88000.00} ; on XX/XX/XXXX - {$9700.00} ; on XX/XX/XXXX {$10000.00}- which is the difference of my CURRENT mortgage payment that I paid on time! They obviously are not applying my payments to my account, which is another phone call. 

3. I am paying my mortgage on time- they should NOT be reporting this on my credit report. 

How do I get them to STOP reporting my hardship forbearance on my credit report? Perhaps you could help? I am nervous and fed up with them and think they are playing games so they can take my house. But that's another phone call.