davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to XXXX  and Transunion to investigate the XXXX XXXX account, which is reporting inaccurately on my credit report because I have NEVER done any business with XXXX XXXX & they are reporting this account as if they are the original creditor when they are NOT. 

I sent a communication to XXXX XXXX XXXX XXXX, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) XXXX XXXX is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. 

I have attached a copy of how this account is reporting to my Transunion and XXXX  report, and if Transunion and XXXX  were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. 

Also, if you take a further look, XXXX XXXX XXXX XXXX is reporting a payment status of charged-off on Transunion, but as " Late 120 Days '' on XXXX. Additionally, XXXX  is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that XXXX XXXX XXXX XXXX is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. 

I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies.
Consumer complaint received 2021-04-30
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. (FL)

In my credit report is not showing my mortgage loan update ; shows as closed but I am paying my mortgage every month. I called XXXX and they said that I must call my lawyer ; I called my lawyer and she said that they never return the letter that she sent them saying that mortgage wasnt included in my bankruptcy.
Consumer complaint received 2020-05-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The issue is with Portfolio Recovery Assoc. They have been trying to collect a debt balance from the original creditor, XXXX XXXX XXXX  XXXX XXXX, amount owed {$1800.00}. 

The credit limit on this credit card account was {$500.00}. XXXX XXXX & Portfolio Recovery has added over {$1300.00} of finance charges. Most recently I called Portfolio Recovery on XX/XX/2020 to settle this account. They refuse to move from the balance owed. This is the same response I have been getting from XXXX XXXX & Portfolio Recovery for over 3 years. 

Since they will not settle on a reasonable amount, I wish to have this completely removed from ALL credit reports.
Consumer complaint received 2020-05-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

There is a charged off acct reported in my credit with XXXX XXXX and I have sent several certified mail investigation requests to Experian, XXXX, and XXXX and they ALWAYS come back stating that the information has been " verified ''. 
I have requested a " Method of Verification '' so they can verify the information on this XXXX  XXXX acct reported in my credit. These three credit bureaus have never provide the requested information : 1. Name and position of the person who verified the information. 
2. Number where they called to verified the information. 
3. Date and time when they called to verify the information. 
4. Supporting documents verifying the information. 

They also reporting this acct with a balance and this is wrong and illegal as the acct is already reported as charge off. 

Thanks in advanced for your help to resolve this matter and remove this acct from my credit report.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Lending Club Corp (MI)

An ACH transfer was accepted by LendingClub XXXX XXXX.on XX/XX/21 but the funds have not been deposited into my account as of XX/XX/21. 

I have reached out to them and they will not deposit the funds, saying they can not track them down, I have documentation showing the ACH transfer was accepted. 

Now they are not accepting my phone calls and I can not speak to anyone to get a resolution to this matter.
Consumer complaint received 2021-09-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I called Chase bank 's credit card department to inquire about the credit line increase, the representative asked about my income and some personal debts, then my credit line was up instantly from {$6000.00} to {$9000.00}. but I did not get disclosed there was a hard inquiry on my credit. The Chase Bank already admitted its representative 's fault, but refuse to correct this action, see details in the attached letter.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNCOAST CREDIT UNION (FL)

I applied for mortgage forbearance back in the first part of XXXX. It's now XXXX. Almost 2 months later. They keep telling me it's got to go to the board. I feel that they are dragging their feet. The mortgage forbearance runs out the end of XXXX. I was 6 weeks late with my my payment for XXXX when I applied. Have not heard anything yet. Have called and gone in. They keep telling my the same thing. Has to go to the board. I'm high risk so I'm unable to work right now. I'm a neck breather. I was cleaning houses for a living. I don't want to lose my house. What can I do? Please help. Thank you.
Consumer complaint received 2021-04-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (TX)

Hi, To whom this may concern, I have contacted the Medical Data Systems at numerous attempts. First attempt was XX/XX/XXXX via email to ask for Debt Validation. Second attempt was XX/XX/XXXX to inform them that I haven't received a response from the company to verify proof of debt within the 30 day time frame by federal law from the first attempt of reaching out to the company. I have attempted to ask the company for the following information below, The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt, including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

The company has failed to provide proof of the debt they are stating that I owe. Unfortunately, I am not obligated to provide payment to any company or agency that can not provide proof of debt or payment they are stating I owe, according to my credit report. When I called the company to confirm the amount listed on my credit report they were discussing amounts that we're never reported and informing me that I have to pay an extra amount in order to close my account, which is violation of the False Claims Act. 

I also contacted both offices via phone ( Florida and Alabama ) to discuss the concerns of my debt.
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: DIGITAL FEDERAL CREDIT UNION (SC)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX and financed it through DCU. In XX/XX/XXXX, I began receiving notices from DCU stating that I was not in compliance with the lender 's insurance requirements and that CPI would be imposed if I did not rectify the situation. In response, on XX/XX/XXXX, I emailed DCU at XXXX, attaching proof of my vehicle insurance ( Verification of Insurance or VOI ). The email was sent from my account XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, I received no acknowledgment or reply from DCU, leading me to believe that the issue had been resolved. 

Imposition of CPI : On XX/XX/XXXX, I was notified that CPI had been imposed on my loan, adding a substantial amount of {$8700.00}, which significantly increased my monthly payments to {$1800.00}. This action was taken without any direct communication from DCU to clarify the situation or provide me with an opportunity to rectify any discrepancies in the insurance information provided. 

Discovery of Error and Lack of Due Diligence from DCU : Upon contacting DCU on XX/XX/XXXX, I discovered that the insurance information I had provided contained the wrong Vehicle Identification Number ( VIN ). While I acknowledge this error, it is pertinent to note that at no point did DCU inform me of this discrepancy or make any effort to verify the correct VIN, which could have prevented the wrongful imposition of CPI.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I certified mailed letters to Nissan Motor Acceptance Corp. on XXXX XXXX, 2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. Nissan Motor Acceptance Corp. failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation (FL)

We opened a loan thru XXXX XXXX back in XXXX. The loan was sold or transferred to Concord XXXX last year either XXXX or XX/XX/XXXX. We were not notified about this. It was not till I called to make a payment with XXXX. That I was told it was sold to Concord. So Concord sold it back to XXXX in XXXX or XX/XX/XXXX. Concord is showing they closed the account and charged off the account balance of {$7500.00} amd still showing on my credit report that I owe them {$7500.00}. Even though they sold it or sent it back to XXXX with the same amount of {$7500.00} due on the loan. This loan is paid off thru XXXX. I filed a dispute with experian. They said all the info was correct from Concord and would not change the negative reporting on the credit report. I have spoken to Concord multiple times the last 2 months. They are still saying they show no balance due. But refuse to contact the credit agencies to remove the false information.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$510.00}.
Consumer complaint received 2019-03-05
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. (IL)

Beginning in XXXX of 2018, I sent a certified letter to XXXX XXXX XXXX explaining that I was disputing the amount they said I still owed on the leased vehicle I turned back in to them. I awaited a response in the mail but never received one. I sent additional letters over the next couple months without any written response other than a bill. They then started to mark my account as past due and eventually marked it as " charged off ''. All the while, I was making every attempt to get this resolved with them directly. They continued to ignore my requests and unfairly marked it as charged off. I have since made additional attempts to get the matter resolved but to no avail.
Consumer complaint received 2017-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am a Bank of America customer. On XX/XX/XXXX, I attempted to make a Bank of America credit card payment via using the online mobile app. The transaction typically is visible under account activity quickly. I did not see any evidence of the payment going through. I waited until the next day and checked my account activity again. I still did not see any evidence of the transaction. I thought maybe I made an error so I attempted to make the credit card payment again on XX/XX/XXXX via the online mobile app. Again, I did not see evidence of the transaction in my account history. I waited a while to see if the account activity would update indicting the transaction.Still no evidence. I then called Bank of America to assist ; as I did not want to be charged a late fee since the payment was not showing. I spoke with a customer service representative on XX/XX/XXXX and explained the difficulties I was experiencing. She stated that my checking account did not indicate any credit card payment for {$180.00} having occurred. I asked her to please double check because I did not want additional payments being withdrawn from my checking account to the credit card. She stated there were n't any but she would assist and take a payment by phone. The {$180.00} payment was then made by phone from checking to the credit card. I then reviewed my checking account via the mobile app on XX/XX/XXXX and saw that 3 separate payments for {$180.00} were withdrawn from my checking account on XX/XX/XXXX and XX/XX/XXXX, totaling {$540.00}. I attempted to call Bank of America to question and rectify the situation on XX/XX/XXXX but the office was closed. I called again on XX/XX/XXXX in the XXXX to have the problem rectified. I was on hold for 45 minutes. While I waited, my husband attempted calling from his phone. A customer service representative answered his call after being on hold for 5 minutes. I then explained the duplicate withdrawals from my checking to the agent. She stated she would connect me to the bill pay department and credit card department to rectify. I spoke with both departments. The credit card department said that they would refund the 2 additional payments to my checking account in 2-5 days. This is unacceptablea that my funds will not go into my account for 2-5 days. Additionally, they informed me that the system does not update on Sundays therefore the earliest I would be able to see if my funds were transferred back would be on Tuesday XX/XX/XXXX. Unacceptable - my money should be refunded sooner rather then later.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I had an account with XXXX XXXX. I was a victim of racial discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of me.
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (MN)

Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.
Consumer complaint received 2022-08-12
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 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.This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXXXXXX XXXX XXXX