davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I have canceled an auto insurance policy and continue to get collection notices for {$140.00} for non-payment for a canceled policy. 

They have three brokers/agency/insurance that do not talk to each other and blaming others for not giving proper information, using wrong forms ( not my form ). 

They have sent my account to collection and is impacting my credit rating, employment. 

Date of cancelation requested XXXX ( due to holidays and being out of Country time diff. ) to cancel, contacted XXXX as was advised by XXXX to do that. 

XX/XX/XXXX - Received and signed the cancelation letter dated XX/XX/XXXX. 

Letter says cancellation date ofXX/XX/XXXX, XXXX XXXX. 

Obtained insurance with new insurance and began payments on XXXX. 

Did not use vehicle as was out of country XXXX to XXXX.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NE)

Midland Credit Management has continued to make collection efforts on a debt they can not reasonably prove I owe. I have informed the company the gift was never received by the recipient and I was expecting a refund. The company then replied with notes provided by the original creditor. There was no proof of delivery provided. 

Additionally, Midland Credit Management has re-aged the account and is intentionally reporting the account is newer than what it actually is. This is a direct violation of the FCRA AND FDCPA. 

The company is billing me for items I ordered but never received. Further, the company is damaging my credit for items I never received and that they can not prove were received by anyone.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally dispute the late payments listed on my credit report associated with the closed account under the name " XXXX XXXX XXXX '' The account number in question is XXXX. I recently obtained a copy of my credit report, and I was dismayed to find that there are XXXX reported late payments ( 60 days past due and 90 days past due ) for the aforementioned account. 

I want to assert that I have always maintained a timely payment history, and I have never been late on any payments for the XXXX XXXX XXXX account. The inclusion of these late payments on my credit report is inaccurate and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Ive always been in the deferred program so this information is completely inaccurate. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy of the information they report. I am requesting a thorough investigation into the reporting of these late payments and urge you to correct this misinformation promptly. 

I kindly request that you investigate this matter as soon as possible and provide me with the results of your investigation. If the late payments are found to be inaccurately reported, I ask that you promptly correct my credit report to reflect the accurate and positive payment history associated with this account. 

Thank you for your attention to this matter. I expect a timely resolution, as per the legal requirements outlined in the FCRA.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX I contacted Usaa regarding a missing direct deposit. The deposit was not there. XX/XX/XXXX executive team verified they see the deposit and it was not applied to my account. XX/XX/XXXX deposit is there backdated to XXXX. However I dont see in my available balance. Numerous calls Im told if they t didnt apply I would have been negative. All of my transactions were real time and the account was not negative at any time prior to XX/XX/XXXX. No one can explain to me. I ask for a forensic audit. Im told this can not be done. An IT ticket is opened however no one follows up with me. Today I see it happen real time. I transfer money from XXXX XXXX to my account. This has 100 % posted immediately in the past. Today it post however the available balance failed to change and Im able to catch it real time. Usaaa owes me over XXXX the deposit for XXXX posted but never changed my available balance and they keep telling me about batch updates.. no the funds hit but there is a glitch and the available balance is not changing. Someone please help me.
Consumer complaint received 2017-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD 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 XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

Trying to reach discover credit card services showing i was denied credit due to delinquent accounts not the case no delinquent accounts on any of my credit files all 3 .very upsetting to receive mis information saying for denial of credit.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX XXXX
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

My loan amount increased and interest rate increased after being sold to Navient. Unfortunately, I am not able to make full payments on my loan but when I call for options on what I can do, I seem to get different answers. I was told that I could only do forbearance, which accrues interest. Then after talking to friends/family, I was told about the income based payment option which I was told was over {$500.00}. That was definitely not affordable. I was told then I can stay on forbearance, which I still am. They were not willing to negotiate affordable payment options. Two options basically given was an amount I can not afford to pay or go into forbearance and incur interests. I do not have an option. There should be more that Navient is willing to do to help students.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Wednesday, XX/XX/2021 I opened a chase first banking account for my sister. I already had a college checking, secure checking, and savings account with them. 
Within a day, my account was restricted for reasons Im not sure of. I have not made any suspicious transactions. Deposits, using XXXX, receiving direct deposits from my jobs and everyday spending. I went up to the branch to resolve the issue and I was told that the accounts were going to closed including my accounts. I dont commit fraud, I dont even write checks, I use these accounts to help me through my everyday life and I am really frustrated with this XXXX Corp and Ive tried to be patient but Im done.
Consumer complaint received 2017-10-26
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. (WA)

There are accounts listed that DO NOT BELONG TO ME I have disputed and they still remain XXXX XXXX # XXXX Never took an account out with this company, this is someone else 's XXXX XXXX # XXXX No balance is past due or owed, remove this mistake
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MB FINANCIAL, INC. (IL)

I have 3 different accounts on my credit that has been closed out for awhile now and it still shows on my credit I would like for them to be removed. The companys are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been in contact with all 3 companys and nothing has been done
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-04
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. (NC)

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

My information was sold and bought illegally because I was a victim of the XXXX XXXXXXXXdata breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach, exposing my personal and credit information which is allowing bad actors to attempt to open new credit in my name without my consent or knowledge.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX my mother attempted to transfer money to me via paypal. She inaccurately sent it as " goods and services ''. It was a large amount, and I noticed that PayPal had charged a huge fee, so I immediately refunded the entire amount. 

However, Paypal limited my account, which is a precursor to closing it, and demanded the following information : my photo ID, receipt from my supplier, proof of fulfillment. The photo ID request is invasive ; I don't have a supplier ; I wasn't selling anything so there was no fullfillment. I called the Customer Service line at XXXX and spoke first to XXXX, and then to his manager, XXXX, both of whom told me there was nothing they could do. When I asked them to clarify that they were refusing to unblock my account, XXXX said no, instead it was I that was refusing to provide the information they'd requested. I told him I'd be filing a complaint with the CFPB, my first, and here it is.
Consumer complaint received 2017-10-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NC)

I am a co- signer on a loan that occurred in 2007, when the company was freely giving loans and using deceptive practices in regards to the for-profit schools. I was receiving calls at my home some days up to 28 calls. I am gone during the day to work, and provide a machine for message. I have been abused by the callers. I should have been released from this loan years ago, however that was never presented as an option. 

There was one call that was over the limits of harassment. The lady was scolding me and belittling me, as if she was a parent talking to her child. The call was so upsetting to me. She asked harshly if I paid any of my bills. Did I pay my car payment, Did I buy groceries, If I did this, then why I did n't pay this. I was in tears at the end of the call. I was abused by this call!!! 

The companies response to my complaint was tell us what time and date did the call occur, so that I they could check on it. I have n't been able to supply that, but a company, worker by the name of XXXX XXXX admitted that the call was listened in on, by a superior employee and went to speak to that employee after the call. 

This shows the company lied to us all the time, and deceived us about the call. They should have record of the call, if the employee was repremaneded right after the call. XXXX XXXX apologized for the treatment on behalf of the caller. I would think that the company would want to help get these loans paid, but they do n't seem to want it paid. They always suggest forbearance, so they can get more interest out of us.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (CO)

I called to report a card, that I have had for years, lost and to get a new card. The card is through my bank BB & T. Without my permission or consent, the bank closed the account, permanently. I have spoken to multiple deparments and spent hours on the phone to no avail. All they will say is that I should just apply for a new account. All of this will have a negative impact on my credit score.

In other communications, they noted that it was closed because I didnt return a fraud call back. this is not accurate. The account was closed on the XXXX, which is the day I called to report the card lost.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

In XXXX of XXXX, I received a notice that I had paid my mortgage short for the XXXX XXXX statement. I sent in the remainder of the payment amount and upped my mortgage payments to cover the new higher amount. 

Today, while speaking to customer care about an amount due, I found out that my mortgage amount had actually gone up in XX/XX/XXXX ( XXXX XXXX statement ) and no one had told me. Speaking to customer care it became apparent that they were not sending me my e-statements or notices of said statements. They also did not send me my escrow analysis. 

The customer service agent was unable to find the statement I had paid short or explain why they were charging me an additional overage. They would not transfer me to a supervisor to discuss the issue. My statements prior to XX/XX/XXXX were unavailable online. Checking my email history ( including trash and spam ) I was only able to find one notice that they had ever sent regarding an e-statement online. Checking their electronic statement option, it did not have a disclosure that
Consumer complaint received 2021-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Simon's Agency, Inc. (NY)

I contacted simons agency on XXXX XXXX 2017 after numerous accounts were reposted by this company. after reviewing my bankruptcy filing I noticed that all of the listed accounts were included in my bankruptcy and only the service date was changed to make them appear to have validity. I spoke with XXXX XXXX who told me that I would be jailed if I reported this which is in clear violation of FCRA regulation. XXXX also misquoted FCRA incorrectly and attempted to badger me when he was corrected. XXXX was also advised that since the information was disputed well over 30 days ago and they did not provide documentation within the time allowed under 13 U.S.C and 15 U.S.C. that they must remove the information disputed. he refused and instead lied and stated that they were not required to provide a validation of the debt and could do what they like.