davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-10
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I sent a Validation Of Debt letter to CAPITAL ONE AUTO FINANCE via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, CAPITAL ONE AUTO FINANCE has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report to the credit bureaus & the bureaus, having been notified of this violation, are continuing to allow this non validated information to be reported. This is a violation of my rights per FCRA & FDCPA.
Consumer complaint received 2015-08-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Centron Services (MT)

I had older medical debt in my name that I viewed in my credit report. I viewed XXXX, XXXX and XXXX. I wrote all of the debt collectors that I had debts with asking for verification of my debts, including Credit Systems ( Centron Services ) in XXXX, Montana. Credit Systems reported ( As " Centron Services '' ) to XXXX of the XXXX credit reporting agencies for ONLY the XXXX debts, and to XXXX of the agencies they reported to reported over {$1000.00} more than the original/actual debt on XXXX of the accounts. 
This was apparently a {$4300.00} debt, according to the collection letter they repeatedly sent out. About a month after sending out the verification of debt letter to Credit Systems I received a response back. They claim on their front page that I owed {$4300.00} but on the verification of the debt from the hospital I owe {$2900.00}. That was the only verification they sent me.
Consumer complaint received 2021-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (DE)

I lending direct sent a payoff to bridgecrest on a XXXX XXXX XXXX. This payoff was received on XX/XX/XXXX. The XXXX  tracking number is XXXX. It was signed for by XXXX XXXX. A week later I inquired with bridgecrest about the payoff as it had not yet been applied. They told me they received the payoff, they sort and forward those payoffs to a secondary location. I asked if the new lender sent the payoff to the wrong address. I was told " no, that is our process ''. I asked if the payment would be applied as of the date it was received. I was told " no, interest continues to acrue until we process it ''. The payment was processed on XX/XX/XXXX. I called today and inquired about the application of this payoff. Again they agreed they received it on the XXXX of XXXX but that the interest continued to accrue until XX/XX/XXXX. According to what I have read on your website, this practice is illegal. They seem to have this process in place specifically to continue to charge interest for a significant amount of time after the payoffs are received. Thank you for looking into this matter. I do not know the account number. The account is now gone from their online portal so I can not look it up. They usually look me up with my name, XXXX, and the last 4 o my ssn.
Consumer complaint received 2021-07-09
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Submitted certified dispute letter with return receipt XX/XX/21 to their dispute department XXXX XXXX XXXX, XXXX XXXX XXXX UT, XXXX. Called XX/XX/21 to check status was on the phone for over 3 hours collectively with reps and supervisor in the closed accounts Dept who advised she saw no record of the accounts in their system and submitted it for investigation which she stated had a 30 day timeframe. To date, no response received for letter mailed over 30 days ago. Regarding the following Capital One Bank # XXXX, Capital One Bank XXXX XXXX being reported on all three credit bureaus reports XXXX, XXXX  and XXXX. Capital One is in violation of FCRA for failing to respond within 30 days into validating the accuracy of these items reported. I am requesting these accounts to be deleted immediately. Attached is copy of USPS Certified Receipt and most recent credit reports.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On, XX/XX/XXXX all my XXXX transactions where credited back to me. 
I called made a claim and they where reversed on XX/XX/XXXX. On XX/XX/XXXX, I got a call for my apartment manager who said my XXXX payment have disappeared. I called chase they said it would be returned in 30days. So on XX/XX/XXXX I called and asked if the money was being sent back to me or them and I was informed it would take another 30 days. Then when I called again they said they sent it back but my apartments dont see the money and neither or my other transactions.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I sent TransUnion a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because TransUnion sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of TransUnion removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The addresses that follow do not belong to me, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WI)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2022-03-31
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: National Credit Adjusters, LLC (GA)

In XXXX, someone in XXXX stole my identity. At the time I resided in GA since XXXX and was working on assignment in XXXX. XXXX Bank contacted me and immediately I went in and we closed the account and opened a new one. In addition, there were other payday companies and creditors this person tried to hit. A letter was sent and all was resolved. 2 years later it was sold to a collection company, when they contacted me I explained what happened provided information and never heard from them again. This company NCA seems to keep refreshing the date so that it will never fall off. It has been 9 years and if anything this should still not be reporting on my credit report, better yet it was identity theft and they keep updating to keep it on there. I have tried everything. Please help. 

Thank you
Consumer complaint received 2019-03-07
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)

XXXX  and Transunion are incorrectly reporting a balance due on the XXXX XXXX partial account numbers XXXX and XXXX. This account is over 7 years old. This is a violation of the Fair Credit Reporting Act and this incorrect reporting is hurting my credit score.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-07-09
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: Shellpoint Partners, LLC (NV)

Shellpoint Mortgage servicing company failed to report timely payments made. 19 months worth. 
Writing certified letters did absolutely nothing. Only filing a complaint with the Consumer finance protection bureau, made any difference - unfortunately!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I have already sent letters to the creditors asking to remove the late payments on my credit report they have not abided by my request. In which the information is reporting inaccurately. They have also violated my consumer rights by not giving me the option to opt out from reporting this information to any third party agency.

15 U.S.C 6802 states Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; Please remove any negative/late payments and update the following accounts to positive. This has made a huge impact on my score and made it difficult to apply for credit for a new home. 

ACCOUNT NAME-XXXX ACCOUNT XXXX XXXX ACCOUNT NAME- XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: All State Credit Bureau, Inc. (MI)

XXXX XXXX jail they put XXXX on my credit report told me I have to paid them because they took over the debt I didn't no knowledge of this was going to in facts my credit score. They put this on my credit without my knowledge didn't know nothing about into I talk to a private company call Allstate bureau they told me I got paid them or this will keep hurt my credit score
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (OR)

I had an account with XXXX XXXX that went to collections many years ago. I paid the company who obtained the account. Jefferson Capital Systems, Inc. They informed me that they would notify XXXX that the account was paid in full so XXXX could then report to the credit bureau that the account was paid. Instead, they never reported the pay off to XXXX so it is still sitting in my credit report as delinquent. This needs to be updated as it is the only thing showing negative on my credit report and I am in the process of trying to buy a home. I have been fighting with this company for almost 2 years to report this to XXXX. I have submitted a complaint to you previously in regards to XXXX but I was directed to the FDIC because they are a XXXX. I filed a complaint with them to no avail as they directed me back to XXXX. I am being sent in circles. This needs to be addressed and fixed. Under the fair reporting act I have a right to have accurate information reported on my credit report. I don't know what else to do or who to turn to at this point. Jefferson Capital Systems , Inc. will not do as they promised, nor will they help me with this.
Consumer complaint received 2020-01-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

URGENT!!! YOUR BILLING IS WRONG!!! 

Despite my prior complaints, correspondence and your responses and despite having a reasonable amountof time to research the matter, you ( Wells Fargo, N.A. ) continue to carry forwarda principal balance that is at least {$20000.00} more than the actual amount owed. As a result, you are continuing to calculate interest due based upon incorrect balance and billing for the wrong principal and the wrong interest. 

This is a violationof the FDCPA, entitling me to statutory or consequential damages. You have violated that statute 15 U.S.C. 1692 et seq. and are continuing to violate the statute by continuingto bill in error on this account. There are at least 8 such violations that have occurred thus far entitling me to receive {$8000.00} in statutorydamages regardless of whetheror not I have sustainedactual damages, for which demand is made herewith. 

I further demand that you correct your billing immediately or I will demand further statutorydamages ( {$1000.00} per occurrence ) for further violations, and that you correct any negative credit reporting you have issued as a result of your error. 

Defendants maintain that plaintiff lacks standing to pursue this claim because it is undisputed that plaintiff never paidanyattorneys ' fees to either UC S or NAN, as the underlying lawsuit initiated by UC S was settled with different counsel. Accordingly, defendants argue that plaintiff did not suffer any identifiable injury.TheFDCPAprovides for liability for attempting to collect an unlawful debt, however, and permits the recovery of statutorydamagesup to {$1000.00} in the absence of actualdamages. Thus, courts have held that actualdamagesare not required for standing under theFDCPA.See, e.g., Keele v. Wexler,149 F.3d 589, 594 ( 7th Cir. 1998 ) ( " [ T ] he plaintiff who admittedly owes a legitimate debt has standing to sue if the Act is violated by an unprincipled debt collector. " ) ; Baker v. G.C. Servs. Corp.,677 F.2d 775, 777 ( 9th Cir. 1982 ) ( same ) ; cf. Gambardella v. G. Fox Co.,716 F.2d 104, 108n. 4 ( 2d Cir. 1983 ) ( noting that " [ i ] t is well settled... that proof of actual deception ordamagesis unnecessary to a recovery of statutorydamages '' under the Truth in Lending Act ). Accordingly, we join those courts and hold thatthe fact that plaintiff did not ever pay any attorneys ' fees to NAN does not necessarily suggest that he was not injured for purposes of hisFDCPAclaim, if he can show that UC Sattemptedto collect money in violation of theFDCPA. ( e.s. ) Miller v. Wolpoff Abramson, L.L.P., 321 F.3d 292, 307 ( 2d Cir. 2003 ) Attached are exhibits showing that the amount demanded by you do not take into account a reduction in the debt. 

Also attached : -your latest bill to us spurring this complaint -my last letter with unanswered questions and concerns regarding your XX/XX/2019 letter. 
-your XX/XX/2019 letter
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have previously disputed this fraudulent account last year and this account was removed from my credit report. I have even sent a FTC report to the company directly and also to your company and now this fraudulent account has been sold or whatever to another company and has been put back on my credit report.
Consumer complaint received 2021-07-09
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. (OH)

I'VE CALLED TO FIND OUT WHO WAS USING MY SOCIAL SECURITY TO TRY AND GET CREDIT AND i COULD NOT GET ANYWHERE, SO I REQUESTED PROOF OF THESE INQUIRIES SO THAT I COULD FIND OUT IF IT WAS A FAMILY MEMBER OR SOMEONE I KNOW. 

I CONTACTED THE PLACES OF THE ACCOUNT AND THEY WERE REMOVED BUT I WAS TOLD THE BUERAU HAD TO REMOVE THE INQUIRIES, BUT THEY HAVE BEEN REFUSUING TO DO SO.
Consumer complaint received 2016-12-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

Caine & Weiner is attempting to collect {$110.00} dollar debt for XXXX XXXX XXXX XXXX I do not owe. 

I paid XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$500.00} in cash for emergency services for my dog XXXX. 

XXXX XXXX XXXX failed to post at it 's location it did not have overnight stays or doctors to perform XXXX. 

I wasted valuable time, because XXXX XXXX XXXX failed too inform the public they do not have the capability to perform surgeries or have the service of overnight stays for wounded or hurt animals. 

I was overcharged by paying {$500.00} dollars for XXXX, medicine and XXXX taking no longer then 60 minutes. 

My dog XXXX passed away that night, because I wasted my time taking my pet to this animal facility. 

XXXX, would have lived if I would have taken him to a hospital that provided all the services at one location. 

XXXX XXXX XXXX over charged me for the partial services they rendered. XXXX XXXX XXXX gouges pet owners who face emergency situations and take advantage of unfortunate incidenst. 

I will be writing a negative review of XXXX XXXX XXXX to inform the public of what happened with my emergency visit. 

The public is safer taking there animals to a XXXX hospital that cares in saving pets lives and not just about the money.
Consumer complaint received 2022-09-09
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: HYUNDAI CAPITAL AMERICA (PA)

I have a credit check from HYUNDAI CAPITAL AMERICA un XXXX. I live in XXXX XXXX  and never did anything at that time to inquire about a loan from them or anyone. I tried calling to get removed but it took the 4th phone number and different city branch to get ahold of someone that has no idea what to do or where to send me. There is no one to talk to from Hyundai capital and as soon as you call they say to talk to support call different number and company? Please help this is very scammy
Consumer complaint received 2020-12-30
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. (PA)

On XX/XX/2020 i sent a letter regarding inaccurate and unverifiable accounts reporting on my credit report its been over 30 days i have not received and documents/original application that prove the this account is valid i feel like im being harassed with numerous phone calls about an account i have no knowledge of i have also been ignore my request to verify. section 611 ( a ) it is stated failure to investigate/verify these items within 30 days items have to be removed from my report immediately it has been well over 30 days so this inaccurate information should be deleted promptly. i demand this account be deleted immediately or i will file for litigation due to the stress been cause on me
Consumer complaint received 2022-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

I have had capital one credit cards for over 10 yrs.Never once have I ever filed a dispute Untill this year and it quite honestly it is the worst thing I could imagine that would come from capital one.The consumer and customer comes last. 

Purchase done on XX/XX/2022 USD {$1200.00} goods never recieved capital one sided with Merchant on XXXX card. 

Purchase done on XX/XX/2022 {$1400.00} goods never received.Disputed, capital one sided with merchant. 

Purchase done on XX/XX/2022 {$900.00} good never received.Disputed with capital one quicksilver again capital one sided with merchant. 

At this point am just sick and tired of this and I havent gotten any help from capital one.I need this charges reversed immediately.Im also going to contact the DOJ and senate banking committee on this practices.In my 10 yrs with this company never in a single day have I ever disputed charges Until this year and this is what i get