davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (VA)

I had a promotional balance to be paid off and I called the company to ask what I needed to pay and the person told me. I paid it and now they are trying to charge me a back interest. The company is Wal-Mart, synchrony bank. I have dates when I called them.they hung the phone up 2 times today XX/XX/XXXX. The first time is when they was suppose to transfer me to a supervisor and the second time when I asked for a supervisor they started saying they couldn't hear me and hung up. But they was hearing me fine until I asked for a supervisor. The promotion was due XX/XX/2019 XXXX dollars and some odd cents and I paid XXXX dollars on XX/XX/2019.they are charging me XXXX in back interest.i spoke with the agent on XX/XX/2019 and they told me what to pay. They are suppose to record these phone calls.
Consumer complaint received 2018-10-31
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. (FL)

On XX/XX/18 I obtained my Transunion credit report ( Report # XXXX ) and after reviewing it I noticed that I have 1 negative account that I do not recognize which is definitely fraudulent. The 1 negative account is from a XXXX XXXX XXXX XXXX, XXXX of which i have no clue why it is reporting on my credit report and there is an obvious error. I have never done any business with the companies listed on my report. I have filed a police report and I have disputed this before with Transunion to no avail. This is affecting my credit and I am asking for help with this matter. Thanks
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

On XX/XX/2017 I opened an account with XXXX XXXX.I switched providers thinking everything was good with no money owed, I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
Consumer complaint received 2019-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Asset Management Outsourcing, Inc. (SC)

On XX/XX/2019 I sent letters to resolve an issue of debt with XXXX XXXX XXXX. On XX/XX/2019 they sent me a letter stating that the accounts were closed in there system and they requested it to be deleted with the credit bureaus. Currently XX/XX/2019 the accounts remain on all three report bureaus.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Account Holder, XXXX XXXX XXXX, passed away. B of A has been contacted by my wife who is the daughter of the deceased to find out what forms to fill out and submit to close the accounts and receive the corresponding balances. The required forms have been submitted in 2016. Just this year, a follow up with B of A 's Estate Unit was made. The Letter of Instruction and Account Closure Request was notarized on XX/XX/16 and submitted to B of A, among other things. The Estate Unit is now telling my wife that because the commission of the Notary Public who notarized the document has already expired, that a new one is needed. When the forms were notarized and submitted to B of A, the commission was still valid. It is not valid now because of the failure of B of A to process what has been submitted to them in a timely manner. Why would the surviving relative start the process all over again if it's not her fault that B of A did not act in a timely manner.
Consumer complaint received 2019-05-09
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. (WA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX – partial account number XXXX.  (Please see page 3 of the attached credit report.)  This account reports a $XXXX balance and $XXXX past due.  This incorrect reporting is harming my credit scores.  Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

I am writing to formally dispute an error on my credit report, which inaccurately reflects delayed lease payments for my new XXXX lease. This issue is inconsistent with my prior leasing history, during which I maintained an impeccable payment record. 

Details of the Error : The issue arose due to a series of miscommunications and delays associated with the payment process, as detailed below : 1. Change in Financial Institution : I was unaware that XXXX had selected US Bank for my new lease payments. 

2. Lack of Communication : I did not receive a welcome kit or guidance about creating a new account with US Bank for payment processing.

3. Delayed Notifications : Letters from US Bank regarding the account setup arrived late.

4. Missing Alerts : I did not receive timely emails, calls, or text messages alerting me to issues with the payment process.

5. Bank Error : When my first payment was made, it was processed with an incorrect account number but was accepted. Autopay was subsequently set up with the same incorrect account information and was also accepted. This led me to believe payments were successfully being processed. 

When I finally received a letter indicating that the payment and autopay setup had failed due to an error, I immediately updated my banking details to correct the issue. Despite my prompt action, my credit score dropped by nearly XXXX pointsa drastic and unwarranted penalty for a problem rooted in procedural and communication failures. 

I have reached out to US Bank but they did not address my issue. Subsequently, I reached out to XXXX, XXXX, and XXXX to dispute this error. Unfortunately, their responses were unsatisfactory. It appears they did not thoroughly review my letters or the attached documentation, as their replies merely referred to the US bank certification without addressing the core issues I raised. 

I have attached copies of letters from US Bank that confirm my attempts to make the payment and establish autopay for all future payments. Additionally, my prior lease payment history with XXXX demonstrates that this error is an isolated incident and does not reflect my financial responsibility. 

I kindly request that you please investigate into this matter and correct the inaccurate information regarding late payments from my credit report. 

If further information or documentation is required, please let me know. I look forward to your prompt attention to this matter and a resolution as soon as possible.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SECURITYCRED ( Original Creditor : 09 XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (MD)

A complaint was previously filed by me and the CFPB closed the complaint based upon the response of the business. The business provided false information to the CFPB including : The Company 's description is inaccurate. They are refusing to answer emails and phone calls regarding this matter. They are ignoring the arbitration letters filed sent to them by the XXXX and so their claim that they are bound by the arbitration clause was a knowingly false statement by them. Their actions indicate they are not taking steps in accordance with XXXX procedures and are in significant breach of the contract and causing unnecessary harm and expenses to the consumer. This complaint should be reopened.
Consumer complaint received 2019-05-24
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. (CA)

i disputed a collection that is not valid and is duplicated on my credit report on XX/XX/2019, the collection is listed as XXXX XXXX and for {$310.00} on both listings. Transunion sent back verified as accurate but did not give me proof of these account reporting as accurate. No files were sent showing that this collection belongs to me.
Consumer complaint received 2019-05-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

To whom it may concern, On XX/XX/XXXX I had a XXXX card opened. Had a good relationship with company always paid on time. On XX/XX/XXXX they closed my account for reasons that weren't really accurate. Dispute all that we agreed they would remove this from my closed files as I really did nothing wrong and did not want to see Account closed by credit grantor on my file since I did nothing wrong and was all a misunderstanding since no one notified me when they were unsure if I really was me. 

I had spoke to them on the phone quite a few times about the whole matter. The conclusion was they agreed to remove entire card from ever existing in there words to each of the credit scoring companies was because I had over a 5 year relationship with them and always paid on them but they can not reopen my account due. Which I agreed.
Consumer complaint received 2019-05-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

My account ending in XXXX was opened XX/XX/2010 and has a balance of {$8100.00} and its inactive and charged off according to Navy Federal Credit Union. I have not made any payments in over 7 years. I'd like for this account to be removed from my credit report.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (NE)

NOT ONLY HAVE MY HIPPA RIGHTS BEEN VIOLATED BY AMSHER COLLECTION AGENCY ADDRESS IS XXXX XXXX XXXX # XXXX, XXXX, AL XXXX AND PHONE IS XXXX BUT THEY ARE REPORTING ON AN ACCOUNT THAT WAS COVERED UNDER FINANCIAL ASSISTANCE BY THE INSTITUTE. I HAVE PROVIDED THEM WITH A COPY OF THE LETTER AND THE DEBT HAS STILL NOT BEEN REMOVED. ACCT NUMBER THEY ARE REPORTING ON IS XXXX FOR APPROX XXXX. AN EMAIL WAS SENT WITH THE DOCUMENTS TO XXXX AND I SPOKE WITH A REPRESENTATIVE ON THE PHONE.THEY HAVE THE ACCOUNT UNDER MY MAIDEN NAME I BELIEVE. XXXX XXXX NOW XXXX XXXX.
Consumer complaint received 2019-05-09
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I am writing to report an issue with Bank of America that remains unresolved. I have been a customer of Bank of America for decades. In XXXX of this year in checking my accounts online, which I do daily, a new set of accounts appeared in my online banking under the heading of XXXX XXXX. There were three loans, all with XXXX   balances, which now appeared under my account list. I spent hours on the telephone attempting to determine what these were, concerned that these were fraudulent loans, as yet unfunded perhaps but to absolutely no avail. For the record, I have never done any banking business, accounts or loans with XXXX XXXX. 
Since then, I have visited my local branch and they attempted to contact their own internal people to determine what these were, again without result. I went up the chain of command within the branch to the manager who attempted again to determine internally what these were, once again without definitive response. A service call was opened by the branch manager on XX/XX/XXXX which provided me with an email to follow up on the issue and I sent them an email indicating that if I had not received a definitive response as to what these loans were and provided any underlying documentation within thirty days that I would report the issue to the appropriate banking authorities. I attempted to open the service call email today, XXXX and found it had expired.
Consumer complaint received 2019-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

This file, XXXX, for myself, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, initial review was from an application submitted XX/XX/2018. Then, in turn, denied for modification based on lack of a lower payment available per investor guidelines. The income that was reviewed by Rushmore was reduced from our application by more than {$2500.00} a month. We knew the appeal would be denied but we were told by XXXX XXXX XXXX at Rushmore, to submit anyway. We did so and were denied appeal. Thereafter, with the income proof on my bank statements, we feel confident my income will be honored from the application. 
We re-entered the process to reapply for modification and were Permanently denied PREMATURELY, without any real review of income/loan details. We have only had one formal chance to apply and have a reapplication based on a change in circumstance. 
We believe it is illegal to deny customers the right to modify or at least the opportunity to be reviewed for modification. Rushmore is now denying these rights many more customers than just this one. We are following up with the State Attorney General to insure you are abiding by the proper protocol for XXXX Banking Department, HUD and any other regulatory institutions that may apply.
Consumer complaint received 2020-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion has failed to communicate results on the investigation I requested about accounts on my credit report with me for the following accounts : XXXX XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2019-05-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Agency of Credit Control (CO)

Mr. XXXX XXXX telephoned me on Friday, XX/XX/XXXX at three locations, work, my mobile and my husbands mobile number within a 30 minute time frame ( Note having never previously received any mail regular or certified mail ). Mr. XXXX left me a voice mail at my place of employment at XXXX asking me to contact him at my earliest convenience and continued to call me until I returned his call. ( at total of 8 times ). Upon our 2nd call he advised me that I owed money for services to a medical doctor that had I filed a DORA complaint for malpractice to my XXXX that I've now got damage to my XXXX which he's lost his medical license ( not related to this incident ). My complaint is that Mr. XXXX has advised me my medical debt is going to be placed on my husband 's credit. He was hateful, demanding and unprofessional. I asked for payments and his snide unprofessional comment was " We aren't going to accept {$10.00} a month '' I asked for a settlement even though I don't feel services were rendered for a doctor who caused damage to my XXXX and Mr. XXXX said get a lawyer and sue the doctor. Services were rendered at the time. Mr. XXXX is ready to serve me with a lawsuit and I'm fearful and now having serve anxiety of my husbands credit being ruined. Please help.
Consumer complaint received 2018-10-31
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 — Problem with personal statement of dispute
Company: Madison Management Services, LLC (MD)

I have reported this Mortgage company before under my previous complaint number of XXXX Note resolution was my note holder for second mortgage. Madison management is account management company. 
Managing compay had agreed to lower my monthly payment to {$250.00} and i was paying timely, when Note resolution wanted me to pay {$1100.00} + when they found out XXXX XXXX had lowered my payment. 
Now loan has been modfied and my payments are lowered to {$250.00} Last year, Madison Management - Note resolution have reported negatively to credit buorou, even thou I was paying timely but negotiated amount of {$250.00}.
Consumer complaint received 2022-09-22
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. (CA)

I want to write a compliant about Experian not taking into account the facts. 

I have tried to remedy this error five times with Experian and they keep responding with the same thing and not resolving the issue.

I have one account that has a 30 day past due payment that is inaccurate due to a processing error on the vendors site ( XXXX ). After many attempts I was finally able to connect with the vendor and we agreed to resolve the issue. Experian is still responding with a generic resolution and not actually resolving or even attempting to resolve the issue. I have sent screen shots to prove this was an error as well. 

My payment was accepted and then not accepted do to XXXX  error. The payment was late due to website errors.I called XXXX they agreed this was a payment portal error. Screenshots were provided. Experian should remove this / good standing always. thank you Please resolve and remove this from my credit report asap. I beg of you remove this erroneous delinquency because its simply not true. 

My original dispute remains unresolved. Please remove it.
Consumer complaint received 2018-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Unified Retrieval Solutions llc (KY)

A person called from Unified Solutions on XX/XX/2017, said his name was XXXX XXXX. Said they had attempted to serve me documents and that since they hadnt heard back they were considering their due diligence complete and to consider myself notified. The callback number they left is XXXX.
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Received a robocall on XX/XX/2019, asking me to press " 1 '' to get information about a debt I owed. I was connected to XXXX XXXX, who identified the company as " XXXX XXXX XXXX XXXX at ( XXXX XXXX XXXX ). Claimed to represent MBNA, and that MBNA had been trying to contact me. I do have a debt disputed that originated at MBNA, but has long since been sold and resold over the years to various collection agencies. After I confronted him of this fact, he confirmed that in fact MBNA did not own the account. When I asked for his company 's address, he hung up on me. Multiple attempts to call back the company and get their address -- specifically to dispute the debt and ask for verification, resulted in them continuing to hang up on me.
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I am in recepit of a letter dated on XX/XX/XXXX from XXXX XXXX XXXX. They have stated that they are the new creditor on an alleged debt and stating that I owe an alleged debt. While reviewing the letter, I came across many violations pertaining to my consumer rights. Under the FDCPA, Congress states that a debt may be sold from a credit, but not my private information. 15 USC 1692c ( a ) alone states " without prior consent of the consumer given directly to the debt collector ... a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never consented to contract with XXXX XXXX XXXX and they have breached my privacy.
Consumer complaint received 2019-05-09
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. (KY)

I RECENTLY WENT TO APPLY FOR A HOME LOAN AT A BANK, AND WAS TOLD THAT I HAD TO PAY OFF MY STUDENTS LOANS AND THE REAPPLY. I TOLD THE BANK THAT I NEVER HAD STUDENTS LOANS. THEN I WAS PROVIDED THE CREDITOR NAME AND NUMBER TO CONTACT THEM TO INVESTIGATE THE ACCOUNT. I HAVE DISPUTED THE ACCOUNTS MULTIPLE TIME WITH THE CREDITOR AND THE CREDIT BUREAU AND HAD NO RESULTS. THE THREE MAJOR CREDITOR BUREAU HAVE NOT MARKED THOSE ACCOUNTS DISPUTED AT ALL. THIS IS A INCONVENIENCE FOR ME SEEING THAT I'M TRYING TO MOVE FORWARD WITH MY HOME LOAN. I WILL LIKE FOR ALL OF THE STUDENT LOANS TO BE REMOVED FROM CREDIT FILE IMMEDIATELY!
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

Hello, Commonwealth Financial Systems sent me a letter XX/XX/2019 trying to bill me for {$820.00} for a hospital visit. The alleged original creditor is " XXXX XXXX ''. The current creditor is apparently XXXX XXXX XXXX. 

I have proof of my last payment to the hospital. I called the hospital and I no longer owe them any money ( they said I am clear ). 

If you look here ( XXXX XXXX XXXX   ) the company is known for running this type of scam. 

Please let me know if you need any more information.