davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
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. (TX)

I have reached out to XXXX, Experian and XXXX  about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.
Consumer complaint received 2022-07-14
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)

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

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (CO)

XXXX XXXX XXXX / XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX and other XXXX XXXX XXXXXXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the 80 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.
Consumer complaint received 2022-10-12
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. (VA)

I applied for a dispute of an inaccurate and and wholly false information on my account and TransUnion refused to remove it. They have shown no proof of why this account is true and accurate. I have never heard of their company that claims that owe money to XXXX. I have closed that account which was in good standing when I did.
Consumer complaint received 2021-01-29
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. (DC)

The credit bureaus have failed to address an account on my credit reported by XXXX XXXX which is not being reported accurately. My disputes of this concern have not been responded to. The account being reported by XXXX XXXX has reported 120 days late each month for over 9 months while reporting the last payment date of XX/XX/2020. The account was initially charged off in XX/XX/2020 but was reopened a few months later. If you review the past due amount it will clearly show that the amount is far past due. How could this be accurate? Unfortunately, the vehicle that I was financing blow a head gasket and is in need of a new engine, financially this has put me in a bad place. However, I expect the account to reported accurately. The creditor and the credit bureaus are in direct violation of the FCRA as it pertains to reporting information correctly and responding to disputes.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

so i have a bank of america buisness accounts that i have open for less than a year for the buisness that i have currently and write paychecks for the employees i was notified yesterday from an employee that he couldn't cash his check so i went into a branch and was told to call an XXXX number and was told that my buisness accounts were closed for no reason and that it was a buisness decison and at the banks descrection to close at anytime without notifying the customer i asked the reason why and got the run around that it was a buisness descision. was told the accounts were gon na close on the XXXX of the month and that they were gon na cut a check and mail it now my funds are frozen for no reason and i can't pay the employees
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (SC)

XXXX XXXX XXXX is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. 

I've told Equifax, XXXX  and XXXX  that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my report.
Consumer complaint received 2021-01-29
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. (TX)

I have disputed an incorrect Bankruptcy on my credit report at least 6 times and credit bureau refuse to send proof or even investigate my request. This is causing me to get higher interest rates and not be approved for other loans.
Consumer complaint received 2021-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Due to loss of income before and after Covid 19 I have been struggling to make my mortgage monthly payments. When Covid 19 came I contacted SPS and I was offered a Covid 19 Forbearance plan for only one month paying {$860.00} on XX/XX/XXXX. I was never explained why they did not continue with this amount for at least a few months. 

Before XX/XX/XXXX, I had also contacted SPS, due to loss of income, and I was put on a plan for 3 month 's paying {$500.00} from XX/XX/XXXX to XX/XX/XXXX. Unfortunately I was never told that the amount that I was not paying on the regular monthly payment of {$1200.00} would continue to accrue as late. I believed that this would just stay at the end of the loan and after my repayment plan I could continue with my regular monthly mortgage payment of XXXX. 

Now on XX/XX/XXXX they send me a letter that I am approved for a temporary repayment plan of 12 months paying {$2200.00}. How could they expect me to pay XXXX XXXXXXXX when I am struggling to pay XXXX XXXX? I appealed this decision, asking them to please modify this plan to 18 months instead of 12, hoping this would lower the monthly payment. I initially had asked to please put this total repayment amount at the end of the loan but they refused. They have also denied my appeal request.
Consumer complaint received 2021-01-29
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. (TX)

I have reached out to Equifax, XXXX  and XXXX  about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.
Consumer complaint received 2022-09-27
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 15 U.S.C 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.

Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( F ) Reporting information during COVID-19 pandemic.

( i ) Definitions. In this subsection : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVIDXXXX19 ) pandemic during the covered period. 
( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION (DC)

I complained about my account with the credit union because it has a credit card that I never had and though it was paid off and closed. My money was removed from my account and it was paid for without my permission. I filed a identification theft report to the police department.And I gave it to the Navy Federal credit union and its still reporting to my credit report.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

At XX/XX/2022 at XXXX XXXX  I made a deposit to my chase account for XXXX in a Chase ATM. There was an error and the ATM told me the deposit was wrong, but didnt return any money to me. I called the number in the receipt, and they opened an investigation. I didnt hear from them so I called five days later and they told me that there is nothing to do, they closed the case without informed me. So I called again and they told me to submit a receipt to a fax number, so I did and I hacen hear from them since.
Consumer complaint received 2021-01-29
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)

I have reached out to XXXX, XXXX  and TransUnion about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

XXXX made three unauthorized purchase on my account of {$92.00}. I informed TD Bank of this purchase and I filed a dispute for it. This dispute has been going on for awhile now. I send over documentation in support for my dispute and TD Bank had reversed back one of the disputes to XXXX of {$92.00} that I didnt authorize XXXX to take on XX/XX/XXXX. Also, this transaction had caused an overdraft on my account. I was charged {$35.00} on XX/XX/XXXX, a day later when I had money in my account. By doing this TD is endorsing fraudulent behavior, enabling merchants to steal from consumers and this is a breach of contract with customers. This is a violation of my rights and federal rules.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Lockhart, Morris & Montgomery Inc. (IL)

I have a few creditors on my report thats Hindering me for roughly XXXX I send it to All three of the bureaus. Only for the same student loans and private loans to be on my credit files. Ill like them to be removed ASAP. Its false information. I also will like my address to be removed as well as misrepresented of the person I am I dont want to be contacted about any loans that are not mine.
Consumer complaint received 2022-10-31
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (OH)

Navient, XXXX XXXX and XXXX were all harassing me while making the minimal payment. I found a company that said they could consolidate my debt and after paying them off I would be in the clear. I paid off the consolidation company back in 2017 and I am still receiving correspondence claiming that I still owe money.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MS)

Called CitiCard to ask why my interest rate charge was two-tiered and had increased dramatically from 13 %. Agent replied that I had a late payment in XX/XX/2022. As was caring for a friend during XXXX treatment, it went unnoticed. I told agent that my bank showed an online direct wire payment of {$400.00} ( nearly double minimum payment ) on XX/XX/XXXX for a due date of XX/XX/XXXX. She stated that Citicard posted that payment on XX/XX/XXXX. I have XXXX control over when they choose to post payment. I informed the agent that the new rates were ridiculously high@ 29.99 % and 18.49 %, and that my other card had kept my rate at less than 10 %. She stated that she could only refund my late fee. When I stated they would be reported, she retorted that she would put the fees back on my account. I thought there were laws against usery in our banking system. Could it be that super pacs rule our consumer protection agencies and leaving us exposed to bad actors in our banking system?
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc. (CO)

XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  and other XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the XXXX 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.