davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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: Professional Recovery Management (TN)

I send {$30.00} by check EVERY SINGLE MONTH to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX and every single month it is drafted out of my account ( so the checks have been cashed ). I started making those payments in XXXX of XXXX  and they continue to this day. Despite the faithful payments, SEVEN of my accounts have been turned over to collections ( Fox ) and reported to credit bureaus. I have ZERO control over which account numbers the recipient posts my money to every single month. Once I mail the check, my responsibility ends. 
I discussed this with XXXX in accounting at XXXX and we have a binding verbal agreement that the payment will be posted against my account each month and my account wont be turned over for collections. What is done with it after I send it is NOT my responsibility. It is the responsibility of XXXX and Fox to ensure that my payment is calculated and posted NOT MINE. So, how do you figure I am delinquent on my account with XXXX when Ive made a payment every single month without fail? 
I have called, challenged my credit report, and was basically called a liar. So, I have no other choice but to report this to the XXXX and the XXXX. 
Please remove the following from my credit reports immediately and ensure that the credit agencies are notified of your erroneous reporting : Account # Amount Creditor 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 dispute : Fox Collection File no : XXXX Submitted : XXXX again on XXXX ( File no XXXX ) XXXX {$400.00} XXXX Dispute : Fox Collections {$400.00} XXXX Note : After speaking with Fox Collections on numerous occasions, its clear theyre not interested in any verbal agreement or any payments I may have made. However, I confirmed on XXXX that the verbal agreement was still in force with XXXX with XXXX. She shows all the payments Ive made EVERY SINGLE MONTH WITHOUT FAIL since 2018. She could not explain WHY my accounts were turned over when Im paying on them every single month without fail since 2018. Is it asking so much that someone from a credit agency or a credit reporting agency call the original creditor/vendor to confirm that the debt is actually owed? Please, just do it. Im trying to do the right thing here, but it seems no one else is. 
I've contacted Fox, and XXXX and XXXX and the automatic response is to either call me a liar or deem the dispute " resolved '' when it is anything but resolved.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I havent received my XXXX statement from XXXX XXXX XXXX  at all and the balance is still {$860.00} and I would need this be updated on my credit reports ASAP I normally received my statements every XXXX of the month and my XXXX XXXX is bad due to the high balance on my credit XXXX XXXX XXXX. And the balance should be around {$32.00} its missing the XX/XX/2021 payment history
Consumer complaint received 2022-08-29
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. (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. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous accounts being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : $ XXXX Date XX/XX/XXXX, XXXX XXXX Date OpenedXXXX Balance : XXXX XXXX-Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

Escrow Account : My escrow balance is {$7600.00}. I received several tax bills and at first wasn't concerned knowing I have an escrow account. I was only concerned about the supplemental that I am responsible for outside of the annual taxes. Upon further investigation I realized that my taxes have not bee disbursed for the reassessed amount and the county is now charging a late fee. I will not pay this fee. It is the servicers responsibility to make sure those taxes are paid. I have made multiple attempts via phone to resolve this matter and by email. It is falling on deaf ears. It is the job of the servicing agent to make sure escrow accounts are disbursed correctly and timely. Being that I am experiencing this and I am in the business, it makes me question what other borrowers are a victim of this and how many have paid erroneous late fees because of poor accounting by this company. In addition I had initially paid the XXXX  as I knew it would be a supplemental later. Planet Mortgage sent a notice that they issued a refund. I have yet to receive this payment.
Consumer complaint received 2022-03-23
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)

I sent letters to have incorrect information removed from my report. The letter was sent 30 days ago. I have not received anything from the company. The items are still on my report. I've disputed these items several times.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLOBAL PAYMENTS DIRECT INC. (PA)

On XXXX someone fraudulently started online gambling accounts at XXXX  and made XXXX  withdrawals for a total of XXXX from my bank account. I immediately noticed it and contacted the casino and my bank. I also filled a complaint with the Pennsylvania XXXX XXXX XXXX  who has reached out to the casino who verified the account was fraud and I am not liable for the debit anymore. I was told by the PA XXXX XXXX XXXX to contact the debt collection company and they will verify with the casino I am not liable for the debit and it will be removed. A police report was also filed on XX/XX/XXXX with the XXXX XXXX Police department for Identity theft.
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc. (LA)

XX/XX/2022 I received a letter from a company called ARS National Services Inc. stating that this was an attempt to collect a debt for XXXX. I replied with a validation letter on XX/XX/2022, asking that the company please provide me with validly giving them 30 days from when they received the letter. ARS National replied XX/XX/2022 not taking the full 30 days to investigate they replied with the same settlement letter they sent before giving me 3 options to choose from. I then replied back with a failure to validate letter asking that they please provide validly within 15 days of them receiving the letter. They still have failed to provide me with validly so they are agreeing that this debt is false and I would like this removed from my credit report.
Consumer complaint received 2022-03-23
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. (NV)

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. - There are two different payment status- Date of last activity is different on all reports. - Date of last payments is different on all repots.
Consumer complaint received 2021-12-17
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 and XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-08-29
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. I have paid all my payments on time. 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.
Consumer complaint received 2022-08-29
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. (GA)

I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX XXXX {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT UXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XXXX the XXXX of XXXX I went to TCF bank branch in XXXX XXXX Illinois which was in the process of transferring its ownership to Huntington bank which didn't take place until later in the year. My goal was get part of my Required Minimum Distribution ( XXXX ) from my Traditional IRA payable to an approved charitable organization. 

To my surprise in late in XXXX of XXXX I was calling Huntington bank the new owner of TCF bank to find out where my 1099 INT form for interest so I could fill out my income tax. 
I was shocked to see a Certificate of Deposited showing {$61.00} interest as the only CD I had at the Bank was an IRA CD. I called Huntington bank to try to get this corrected and get a corrected 1099 INT they would not let me talk to the IRA department said they would research it and get back with me. After 2 weeks of waiting I did not hear from them so I called back and was told that it was a savings account no not an IRA account. I knew they were wrong so I did my own research in my documents and found all the documents needed which I took to the XXXX XXXX branch of now the Huntington bank talk to the assistant manager because the manager was not there she called the IRA department and they wanted my documents scanned for them to look at in my research I find out that I was charged a {$400.00} fee to take my required minimum distribution which is absurd. I need {$400.00} refund of the fee as there was no explanation of fee at time it was taken from my proceeds of my RMD and a corrected 1099 INT as Traditional IRA interest is not reported on 1099 INT. I can not believe the money grab and the total incompetence of a Financial institution!
Consumer complaint received 2022-03-23
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)

In accordance with the fair credit reporting act XXXX  acct # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I returned items purchased online. I received an email letting me know that the warehouse received the return and I will receive a refund. The email said it would take UP to 7 business days. I called on the 10th business day and I. Was told something entirely different than what the email stated. The rep and supervisor said it could take up to three weeks to receive my refund. I kept insisting that I was going by the email. The email which is a document, states it can take UP to 7 business days. I expect my refund within that timeframe.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent my dispute to TransUnion on XXXX XXXX XXXX, online for them to investigate. They came back and said my dispute came back verified on XXXX and told me that the information would remain on my credit report. The information that I was disputing was from the public records section of my credit report ; the File Number : XXXX. The date generated was XX/XX/XXXX. The company got its information from XXXX. The data was removed because they could not verify the data from the court, so they deleted it from my XXXX report, and they sent me the results that I will attach with this complaint. How can you verify something, not on the company report that you get the information from to verify the information?
Consumer complaint received 2022-03-23
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. (GA)

Ive contacted XXXX  XXXX XXXX department via customer service several times over the years the latest was XX/XX/2022 and they keep verifying the account as mines and I was incarcerated during the opening of the account from XXXX
Consumer complaint received 2022-03-23
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. (OH)

citicard has reported the XXXX bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

We refinanced our mortgage in XX/XX/2022. Final payoff for the original loan was XX/XX/2022 with an escrow balance with the original mortgage company ( BB & T ) of {$3400.00}. Payment of escrow balance has not been received to date. Multiple conversations with financial institution with different excuses ( incorrect address, time required to reissue check... ) and no resolution yet. I thought the financial institution is required to return the escrow balance within 20 days of payoff?
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (KY)

Ability Recovery Services is attempting to collect {$1800.00} from me for the school XXXX XXXX for a high schooXXXX diploma program opened in XXXX. I graduated high school in XXXX, college in XXXX. I never enrolled in any high school programs with XXXX XXXX nor would have any reason to being that I am not a high school student. I have filed a debt verification request with them and they returned the info to me. This included incorrect information and this debt does not belong to me. This is ridiculous and its effecting my ability to purchase a house.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc (AL)

I have been receiving collection notices in the amount of {$56.00} the collection had been reported past due. I do not know this company. I have never done business with this company. This company do not have a contract with my signature. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

In late XXXX I took out a {$65000.00} mortgage with Sun Trust Bank. At that time we arranged for {$620.00} to be debited via ACH from my XXXX XXXX XXXX XXXX ( North Carolina ) checking account early each month. This amount would be deposited into my Sun Trust checking account. Sun Trust would then take the {$620.00} from that Sun Trust checking account to make the monthly payment on my mortgage on the XXXX of each month. I put {$300.00} into my Sun Trust checking account to set up that account. 
This system worked fine from XX/XX/XXXX, when my mortgage payments began, through XX/XX/XXXX, when Sun Trust became Truist. For the XX/XX/XXXX mortgage payment, Truist did not ACH the {$620.00} from my XXXX XXXX XXXX XXXX into my now Truist checking account. I checked with XXXX XXXX XXXX XXXX, which said it had no record of an attempt by Truist to ACH the funds. 
Because Truist did not ACH the funds into my Truist checking account in XXXX, when Truist tried to take {$620.00} from that account, there were insufficient funds to make the monthly mortgage payment. Truist then began to assess fees, which so far have amounted to over {$200.00}, reducing my Truist checking account balance from {$300.00} to {$72.00}. Truist claims it tried to ACH the funds, but there were insufficient funds in my XXXX XXXX XXXX XXXX account. I have provided Truist with a running total of my checking account balance in XXXX through the XXXX of the month, when Truist tried to take my mortgage payment from my Truist checking account. That running balance shows there was always more than {$2000.00} in my XXXX XXXX XXXX XXXX checking account. So Truist 's claim of insufficient funds in my XXXX XXXX XXXX XXXX account is not true. So much for the bank 's name. 
I have made the XX/XX/XXXX mortgage payment by check today ( XXXX ). I have spoken to a banker in a Truist branch, but she has no authority to reverse the over {$200.00} in charges on my Truist checking account and no ability to determine whether Truist in fact tried to ACH {$620.00} from my XXXX XXXX XXXX XXXX checking account. 
I want the fees Truist has assessed -- and any fees Truist will assess going forward -- restored to me.
Consumer complaint received 2022-08-29
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-01-27
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. (NC)

On XX/XX/2021, I sent letters to consumer reporting agency requesting that they cease the reporting of four accounts noted on my consumer report. Along with that letter, was enclosed supporting letter from the court that acknowledged that the court DO NOT report to the consumer reporting agency. It is clear that the accounts noted on the report did not report that information and that the consumer reporting agency accepted or paid for stolen information on me. The agency claims that the account was verified and will remain on the report. That is either a lie or an error. The agency has failed to release its source of verification and I have not given any company permission to report this private information. The consumer reporting agency has chosen to violate my consumer right to privacy, and report information that is unfair and inequitable. Its reporting has added severe stress and is causing me physical and mental anguish. I am being taken advantage of and it is making me ill.