davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-20
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Early Warning Services, LLC (NC)

I was initially denied the ability to cash a check at XXXX via XXXX. Yet, in a matter of minutes, I was able to cash the same check via XXXX. Then, XXXX sends me a nasty gram stating that the original furnisher of information was Early Warning Systems, LLC. I never authorized Early Warning Systems to have access to my information.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (WA)

After 2 years of no resolution of USBank unwilling to remove the incorrect negative credit card account off my credit report I decided to file three separate complaints with the XXXX, FTC and Washington State Office of the Attorney General in addition I will file a complaint with the Minnesota ATG as that is where USBank is headquartered then take legal action as a last resort if the item is not removed. Attached are copies of the complaints filed with each agency. 

This complaint is for account item : US BK XXXX Account Number : XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XXXX of XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. Porfolio Recovery collection  practices are illegal and unethical. I have also made written them stating that I do not owe this debt.
Consumer complaint received 2015-06-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BMO Bank, N.A. (AZ)

In XX/XX/XXXX, we took out a land loan from M & I bank for {$42000.00} at an interest rate of 8.5 % for XXXX yrs. This complaint was previously filed as case # XXXX. I am attaching a copy of our statement to show that after paying this loan for 8 years, we have decreased our principle only by {$4800.00}. So far, YTD, we have decreased our principle by {$180.00} ( this is through XX/XX/XXXX ). We spoke with XXXX XXXX ( BMO Acct Mg ), and he wanted us to apply for a new loan, pay the fees and the appraisal, but then he could not guarantee us that they would do the loan or what the interest rate would be. They have the loan. It would be in their best interest to help us to reduce the interest rate and make the payment more affordable as well as assisting in paying off the principle. I do n't see how, at this rate, we are ever going to pay off this loan within 22 years. Also, 8.5 % is a high interest rate in today 's market. We need assistance in getting this loan payment reduced. My husband is now retired and I am the sole payer on our loans. We would like someone to please look at this and assist us as BMO has not assisted us at all. They have no interest in helping us.
Consumer complaint received 2022-09-07
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)

The information on this account is grossly inaccurate. I have asked the credit bureau to investigate and validate this debt and furnish the following : 1. Original Contract 2. Payoff Disclosure 3. Interest rate disclosure 4. Valid and correct Balance history 5. Valid and correct payment history 6. Proof of credit insurance None of the information requested has been furnished and provided to me by the credit bureau and the debt listed on my credit report is grossly inaccurate and should be removed according to the law. 


The account number on my credit report for this account is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (OR)

This loan was fully paid off on XX/XX/23, under a re-finance agreement with XXXX XXXX XXXX XXXX ( NFCU ), and as of today ( XX/XX/23 ) VW Credit has not released the vehicle title to myself or XXXX. 

I spoke with VW Credit on or about XX/XX/23 to confirm receipt of the payoff amount and to inquire about the title. At that time they indicated it would take 2 to 4 weeks and the title would be mailed directly to XXXX. 

I spoke with VW credit again on or about XX/XX/23 and was told it was " in processing '' and would be mailed directly to XXXX within the next two weeks. 

I was informed today by XXXX that they have still not received the title from VW Credit. I called VW Credit again. They now they blame a " vendor change '' for creating a " backlog '' of title requests. They can not provide me any timeframe for when I can expect the title to be released. They now say the customer service representatives from the prior phone calls should not have offered me any timeframe because of this " vendor change. '' XXXX has a policy requiring receipt of the vehicle title within three months of loan origination, which in this case was XX/XX/23, the delay between that and the payoff date being attributable to time-in-mailing. If the title is not received by the end of this three month window the loan will be converted to an unsecured product at a significantly higher interest rate. 

I have shared this fact with VW Credit and they still refuse to expedite my title or provide a timeframe for when we can expect it to be sent. XXXX XXXX 's policy is not unreasonable, XXXX months should be sufficient time for the title to be released and mailed to them. 

I am deeply concerned that through no fault of my own or XXXX 's I am going to be left on the hook for thousands of dollars in additional interest.
Consumer complaint received 2024-02-17
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)

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is invalid information from XXXXXXXX XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXXXXXX XXXX XXXXXXXX. I hereby request that XXXXXXXX XXXX XXXXXXXX remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXXXXXX XXXX XXXXXXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXXXXXX XXXX XXXXXXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXXXXXX XXXX XXXXXXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Accounts are closed but are still reporting and updating incorrect information. Debts were sold and wrote off and sent to collections. Debt was never verified and never sent a signed contract to validate debt for : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (GA)

I would like for MONTEREY COLLECTION XXXX to show proof of verification that I owe them {$300.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Consumer complaint received 2022-10-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED COMMUNITY BANK (OH)

My sister XXXX XXXX XXXX passport XXXX made a false paper to take my money from mysccount XXXX XXXX  XXXX check number XXXX XXXX XX/XX/2022 XXXX usd.
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Since 2020, I have paid on my loans a couple of times. However, the student loan was sent to collections despite the payment pauses. Also, I'm pretty sure that I read that loans that went into default would be given a fresh start but that hasn't happened either.
Consumer complaint received 2022-10-05
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022, I opened a dispute for a mis-delivered item, XXXX XXXX XXXX XXXX XXXX The merchant blamed the shipper, and the credit card company American Express blamed me for not receiving a product that I ordered. I was charged {$1900.00} for a product that was never delivered. American Express refused to resolve this issue, and charged me for an item that was never delivered. 

Dispute reference no. XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These inquiry was not authorized. 
Please remove these inquiries from the report listed below XXXX XX/XX/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 XXXXXX/XX/XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX date XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXInquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX CARD-Inquiry date XX/XX/XXXXXXXX XXXX BANK-Inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX  XXXX NA-Inquiry date XXXX XXXX ) XXXX RESIDENTIAL-Inquiry date XX/XX/XXXX XXXX CO XXXX CARD - Inquiry XX/XX/XXXX XXXX- Inquiry date XX/XX/XXXX FXXXX XXXX - INQUIRY DATE XX/XX/XXXX
Consumer complaint received 2022-02-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I notified the credit reporting agency and they ignored my request for correction. 

1. The information is incorrect for the following account XXXX XXXX, XXXX XXXX, LA XXXX Please remove this inaccurate information from my credit report. 

2. The information is incorrect for the following account XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please Update to XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana, XXXX 3. The information is incorrect for the following account Federal Tax Lien Case Number : XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX BANK Account Number : Please remove it from my credit report.
Consumer complaint received 2020-09-11
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: CITIBANK, N.A. (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC (CA)

Asset Recovery Solutions , LLC is trying to collect a credit card debt that is not mine. Someone stole my information and opened a XXXX XXXX XXXX card with my information. 
They called my wife 's cell # and demanded she verified all my information thereafter demanding she paid my debt. The phone # they called my wife from is XXXX. 
XXXX XXXX has been trying to take money out of my XXXXXXXX XXXX account to pay the credit card. I called XXXX and put a stop to the payments. I haven't been able to resolve the issue with XXXX XXXX and now Asset Recovery Solutions , LLC is calling my wife for payment.
Consumer complaint received 2016-12-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Healthcare Collections-I, LLC (AZ)

After disputing a medical collection with the credit bureaus I requested VALIDATION of the alleged debt. The collection agency sent me what they call verification which is a computerized generic bill. I looked up the address of the hospital and I do not ever recall going there for anything. I would like validation not verification as anyone can draw up a bill and say I owe it. This debt is not mine.
Consumer complaint received 2022-08-10
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2020-05-04
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. (NV)

I was denied from getting a XXXX credit card today XX/XX/2020 because apparently there are accounts and inquiries reflecting negatively on my credit report. I had no idea that these accounts and inquiries were on my report before today because none of them belong to me. The accounts are from XXXX XXXX XXXX XXXX XXXX XXXX and the inquiries are from several different companies. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Contacted Bank of America on XX/XX/XXXX and XX/XX/XXXX regarding accrued interest on the account. I have several balance transfers on this card which is the primary use of it. I have no interest accruing charges on it. BOA has been allocating all the payments made to the " first balance transfer date '' and not to the expiring transfer dates. This has caused those zero percent balance transfers that are expiring to now become interest accruing transactions. I have other balance transfer cards with multiple transfer timeframes on them, yet those seem to apply the payments to the ones expiring first, not when the transfer was first taken out. Not only did this occur, but they also didn't even attempt, based on the law, to apply the last two months to the one expiring the soonest, I check the XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX statements to verify payment application. The customer service agents and the floor manager on just kept repeating that the " law '' states they have to apply the payments to the one first taken out. This to me is bait and switch technique where they can then cause the customer undue burden. Granted I should have monitored the online statement but I will opt to change this to a paper statement in the future at their expense of mailing so I can monitor these transactions closely.