davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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. (CA)

DeptedXXXX DeptedXXXX  DeptedXXXXXXXX, DeptedXXXX  DeptedXXXX  DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX  DeptedXXXX  DeptedXXXX DeptedXXXX DeptedXXXX In accordance with Fair Credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
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: Consumer Portfolio Services, Inc. (OK)

Consumer Portfolio Services hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. Consumer Portfolio continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called Consumer Portfolio, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with 3 people at Consumer Portfolio and 1 person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at Consumer Portfolio responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all 3 bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (CT)

I applied for a mortgage loan refinance on XX/XX/XXXX with Intercontinental Capital Group ( https : //intercontinentalcapital.com ) after receiving an offer from XXXX XXXX XXXX Mortgage Loan Officer NMLS : XXXX. I quickly submitted all the requested forms and documents. On XX/XX/XXXX I was contacted via email by XXXXXX/XX/XXXX, Submission Processor at Intercontinental Capital Group NMLS : XXXX, and additional information was requested. I submitted all requested information the same day, uploading it via the lender 's secure portal. Then the delays began. I would regularly email XXXX asking for updates. She would be slow to respond, usually waiting several days, and then kept asking for information pertaining to my employer ( a multispecialty medical group where I am a partner ) so I directed her to communicate directly with my group 's executive director. Despite the executive director verifying my employment and my income, XXXX kept avoiding giving me a closing date. She eventually said the closing date would be XX/XX/XXXX, but nothing happened on this date. I was able to reach her by phone after this date and she said that the application was held up in the underwriting process due to lack of income verification, which I had submitted multiple times already. On XX/XX/XXXXI emailed and called her again, and my email was returned as blocked and my phone calls are now being unanswered.
Consumer complaint received 2024-02-09
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. (PA)

FCRA XXXX says bad accounts should be taken off my credit report. I don't know what's happening, but the accounts in the docs are all wrong. They're messing up my credit report, and it's really getting to me. Can you fix it?
Consumer complaint received 2022-07-19
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. (KS)

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. The information are listed below : XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (NY)

I requested verification of an account with XXXX XXXXXX/XX/XXXX which I could not recognize as mine. I also requested the same from the creditor, both in writing on XX/XX/2021 via USPS Certified letter requiring a signature. Not receiving any reply, I sent two more letters at 30 days intervals, again certified with signature, repeating my request and spelling out what laws were protecting my request and my right to an answer. Today, almost three months later, having received no response I decided to take action. I sent another certified letter to the creditor and the three bureaus requesting deletion of the creditor account for failing verification. 
I am filing this complaint to create a record in case they do not take action. In 30 days I will check again my credit report to see if they deleted the wrongful account.
Consumer complaint received 2019-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority (FL)

My loan servicer is : Oklahoma Student Loan Authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I want to be able to make auto deposits while in school while no monthly payment is due. I want to do so to begin paying down student loans and reducing the total amount of interest paid. 

OLSA will not allow direct/auto deposits. OLSA policy is stated as such : " You are not eligible to sign up for auto debit because you do not have a payment due. When your loan ( s ) is in a repayment status or within six months of your next payment due date, please return to this page to sign up for auto debit. If you would like to make a one-time payment, you may click Pay Now from the Payments menu item. '' Such a policy is a predatory lending practice because it reduces the likelihood of paying down the balance of the loan ; therefore, increase the amount of interest the company can collect from students. Auto deposit should be available to all student borrowers at all stages of the loan to encourage loan repayment and minimize the amount of interest a student accrues. 

Please help me in activating this simple feature that should be available to all. 

Best, XXXX XXXX
Consumer complaint received 2019-02-19
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: DISCOVER BANK (NY)

On XX/XX/XXXX I got hit with New Inquiry from Discover which I noticed XX/XX/XXXX on my XXXX online account. I called discover to tell them I did not make any hard inquiry XXXX XXXX XXXX ... They had said would remove the hard pull and I had told them I would also go on here because the customer service reps from my experience always seem to get things lost. 

To my understanding this hard pull is only on my XX/XX/XXXX and going to be removed as soon as possible. If it was on any other credit bereu 's I would kindly ask for it to be removed as I never made this inquiry.
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX  XXXX XXXX ) Account # XXXX ( XXXX  XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX/ ALL LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-09
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my 2nd attempt to submit this complaint but then I think my request has been ignored by the bureau. I am certain that these accounts below are reporting erroneously in Transunion. I do not remember having these accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I demand a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with these accounts which bears my signature. In the absence of any such documentation bearing my signature, please delete these straightaway. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I purchased my XXXX  Toyota XXXX the loan was financed by Toyota Motor Credit they have predatory lending practices. My loan was financed at 12 % for 8 years. The interest was ridiculously high. Finally I had to sell my car on XXXX XXXX for XXXX dollars but I still owed them XXXX dollars. I bought my car XX/XX/2014 for XXXX dollars ended up paying XXXX plus in interest to end up with no car and very little money to show for it. I do hope you can help me in this matter. Toyota Motor Credit should be stopped from taking advantage of consumers.
Consumer complaint received 2023-03-30
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. Please remove these fraudulent accounts ASAP.
Consumer complaint received 2024-02-09
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. (IL)

Hey, so there's this thing called FCRA 605B, and it says if your credit stuff is wrong, it needs fixing. I'm not really sure what's happening, but can you check these papers? They're saying stuff on my credit report that's not right. It's making me feel super upset and kinda sick, so can you help make it all better?
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-08-09
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my 2nd attempt to submit this complaint but then I think my request has been ignored by the bureau. I am certain that these accounts below are reporting erroneously in Experian. I do not remember having these accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I demand a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with these accounts which bears my signature. In the absence of any such documentation bearing my signature, please delete these straightaway. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (OK)

I had a hospital stay in XXXX and setup payment arrangements for multiple bills with the medical provider. One bill was missed and went to collections but a payment plan was established with the previous creditor. In XXXX they stopped taking the payment but didn't contact me to setup the payment plan again. 

Late in XXXX I received a letter from paragon saying I owed them for XXXX from the hospital stay> I called the prior creditor who confirmed they sold the debt without notice. 

Paragon accepted one payment from me and never sent another statement. I tried to login on their self service site but it says my account number is incorrect. 

Paragon should remove the delinquent reporting and allow a payment plan to be established to suffice this debt. 

Account info I was provided : Paragon XXXX XXXX It is absolutely ridiculous to hurt someone's credit when they made every attempt to repay the debt. This company 's practices should be reviewed further.
Consumer complaint received 2016-02-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited my paycheck from the state of California at a Bank of America teller on XXXX/XXXX/16 for {$16000.00} at XXXX branch. Bank is saying they have no record of the check. They have refused to credit my account. I have a receipt that they issued when I deposited the cheque. What should I do?
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC (AZ)

Pursuant to 15 USC 1692 G BILLING STATEMENTS DOES NOT VALIDATE A DEBT neither does a signature or contract. 

ERC failed to give me validation after the initial communication it is a individual action under this statue i had to request validation they responded with billing statements thats not validation. 

I AM NOW REQUESTING verification! I want to know who the original creditor is and the name and address of the original creditor. 

Thank you
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

They have overdrawn my account by over a XXXXXXXX XXXX ( XXXX ) for expenses I have no idea of. I have explained to them that i did not receive my merchandise from the vendor but they insist on charging me for it. They reversed my credit because I filed a dispute in XXXX and now my account is overdrawn for {$1000.00}. If it goes to collections, it'll destroy my credit which is already in bad shape that im struggling to fix.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 usc 1681section 602 states I have the right to privacy.

15 usc 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.. 
15 usc 1666b ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I paid a credit card balance of {$61.00} on XX/XX/2021 using my bank 's online bill pay service. The money was deducted from my checking account. Capital One sent me notice that it did not receive the payment, so I initiated the appeals process and provided documentation of the bank payment. On XX/XX/2021, Capital One sent me a letter stating it did not receive sufficient documentation and was denying my appeal. When I called the number on the letter, the representative said it had requested additional documentation on XX/XX/2021 ( which I do not recall receiving ), and because I did not respond, it denied my appeal. I explained that I had sent all the documentation I had ( i.e., proof of payment ) and asked what further documentation it requested. The representative said he did not know and could not find out because he does not have access to that information. When I asked for a contact number or email for the " Payment Investigations '' department at Capital One that denied my appeal, he could not provide any. He said I could only access that information using an online account or app, which I do not have ( this is an " emergency '' card that I only used because my regular card had to be canceled due to fraud ).
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates ( PRA ) garnished my wages for a medical debt purchased from XXXX XXXX opened in XX/XX/XXXX. PRA was paid in full on/about XX/XX/XXXX, via case # XXXX reported as closed with XXXX XXXX Sheriff. PRA is claiming that I have a balance of {$710.00} and continue to report negative activity on my credit bureau and harass me with phone calls ( these have now stopped after a formal complaint to the company ). I have provided proof of payment via wage garnishment to credit bureaus to no avail - item continues to be reported as outstanding based on their inaccurate reporting. Not only has this been paid in full, the medical debt was incurred XX/XX/XXXX and statute of limitations for collection expired in XXXX. I would like PRA to close this account, stop all harassing collection attempts and correct it on my credit bureau.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I sent XXXX the proof that there investigation was not done properly and they are reporting in accurate data on my report. 
Letter from the Bank advising it was not a charge off. 
Bank statements with proof of payment on the months are they reporting late. 

The account wa

s never charged off or late. It was settlement due to Covid 19.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently have been disputing this account on my credit report. I do not agree with the balance they claim i owe. Well after 3 months of disputing this account for some unknown reason XXXX  XXXX XXXX decided to increase the alleged amount owed. The balance was {$6700.00} which i didn't think i owed that much. Now i just checked my credit and they have increased the balance to {$7100.00}. This is illegal to randomly after 5 years of non payment increase the amount i owe. This is inaccurate information and a violation of the FCRA