davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
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. (TN)

Recently I reviewed my credit reports and saw there was fraudulent accounts and inquiries all of which I never opened nor gave permission. After submitting a dispute through the major CRA 's about this situation where these accountthat are not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. But upon checking my reports and credit history, the accounts identified remain on the reports negatively impacting my financial profile.
Consumer complaint received 2019-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/18 XXXX XXXX assumed our loan from XXXX XXXX XXXX. with the original loan terms still in place : Conventional 5/1 ARM, no escrow account and tied to the LIBOR. Our loan was transferred in good standing and was a simple transfer. 

Our loan has never been late and since transfer to XXXX XXXX, and due to their poor reputation as a debt collector, I have paid my mortgage early every month and in excess of the balance due. 

XXXX has reported false and damaging loan terms which I was unable to fix through normal CRA disputes. In violation of the FCRA, XXXX has reported our loan to all 3 Credit Bureaus with false remarks : LOAN MODIFIED NonGovt, Loan Modified and including purchase money first. When I disputed this false reporting, it was verified by XXXX as accurate. 

My mortgage was sold by XXXX XXXX XXXX. and this loan was not a requested transfer. Furthermore, I contend that because we have nearly perfect credit scores of 820+ FICO XXXX, XXXX XXXX reported false terms to lower our credit and attempt to retain us as a long term client by lowering our score. 

The reporting of Loan Modified on a credit obligation is considered a derogatory indicator by FICO Score XXXX ( and within the auto and bankcard versions of FICO Score XXXX ) and would trigger the negative score factor You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. to surface. This particular narrative ( Loan Modified ) first became available in the XXXX data when FICO Score XXXX was developed. 

Due to this false comment, XXXX has negatively impacted our XXXX FICO Score XXXX causing a drop of 100 points for XXXX XXXX and 69 points for XXXX XXXX. Our previous FICO XXXX scores were XXXX and XXXX on XX/XX/18. Now they are XXXX and XXXX respectively. 

XXXX FAQ specifically states : Will the terms and conditions of my mortgage change because of the transfer? This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (OK)

XXXX XXXX at XXXX XXXX in XXXX XXXX Texas has turned me in for collection and I have never signed up for anything with them. They say I owe them over XXXX I have never been to this place in my life
Consumer complaint received 2019-03-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc. (MD)

I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX  's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX  to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX  my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX  took care of my request immediately. The companies still showing monies on my XXXX   credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, XXXX  XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and GM Financial auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

i requested a {$2300.00}, 0 % balance transfer from my HSBC account a discover car on XX/XX/2019 which was charged to my account along with a {$92.00} transfer fee which i knew about and was ok with. on XX/XX/2019 i was charged a finance charge which was strange since i made a 0 % transfer balance. I contacted the bank and they credit my account. 3 weeks went by and transfer to my XXXX card had not been made so i called the bank and they told me to wait another week which i thought was a brush off job since it usually takes 4 to 7 days for transfers to go through. Nothing happened after a week so on XX/XX/2019 I filed a dispute online which was never confirmed by email and did not show on the account. I called the bank on XX/XX/2019 and was on eternal hold and someone picked up and said they had to transfer me to another department and there was more hold time. I spoke to someone who read the notes on my account and told me the dispute was in the works and I should received a letter in the mail within 7 to 10 business day and have the {$2300.00} plus the {$92.00} fee credited to my account, which has not happened yet. Yesterday i checked my account and saw that {$35.00} finance charged posted to my account on XX/XX/2019. These people are the worst. I want them to credit everything back to my account and store it to its original 0 balance before the balance transfer. Please stop them from doing business in the US. I  shredded their credit car.
Consumer complaint received 2019-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (FL)

Disputed debt was discharged by XXXX  and XXXX because it was never owed by me. I have no awareness of this debt collection company Paramount Recovery nor have I ever been contacted by this company. No case number or contact information ever. I have submitted a dispute with XXXX and received a dispute number XXXX but there online program is not working so that you can obtain the results. I have excellent credit but this has caused my numbers to drop XXXX points..I need assistance regarding this matter.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I have sent letters to this company on a couple of occasions. Asking them to validate this collection debt they are stating I owe. The most recent letter was sent to them on XX/XX/2021 and they have yet to respond. The last letter I received from them stated that they were not going to dispute because my letter was frivolous to them. I have been asking them to validate this collection debt by asking them a series of questions. Like proof they own debt, proof that have a right to collect in Florida-my state, proof of bond, how were fees determined, how much did they pay for debt? etc etc. 

They have blatantly disrespected me, my request and violated my rights under the fdcpa and hippa laws. I have health insurance and how they are saying I owe this debt is baffling to me. I need to see proof that I had this service, what services I am being charged for and what the cost of each service I am being charged for because this company is ruining my credit reputation. 

Furthermore, This Collection Agency did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am getting ready to find me a lawyer to see what I can do legally. Should this item not be deleted within the required time allowed by law. 

These are the dates I sent collection company letters : XX/XX/2021 XX/XX/2021 Respectfully Yours,
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Filed a wire fraud claim with Bank of America on XX/XX/XXXX to recall {$12000.00} sent to XXXX XXXX on the same day under their case no. XXXX. They closed the case without letting us know but charged us an investigation fee. Refiled another claim on XX/XX/XXXX under case no. XXXX. Each time we called, they just said that the back office was working on it. Requested to talk to an investigator without success. Until the last call on XX/XX/XXXX, we found out that the case was officially closed due to 'non-responsiveness from XXXX XXXX '. The representative who took the call told us that, according to the comments/notes on the case, BOA already sent us an email on XX/XX/XXXX about the closure of the case which we never received. He also asked if we got a copy of the " HoldHarmless '' letter or email that BOA sent to XXXX XXXX. To our unpleasant surprise, BOA seemed to have done something but never communicated with us. From what we understand, XXXX XXXX  did respond to BOA in XX/XX/XXXX. We don't know who is telling the truth. BOA may simply update case notes that they never act on. We feel like that we are being victimized the second time. Being their loyal customer for over 40 years, we are very disappointed and frustrated by how they handled our claim!
Consumer complaint received 2022-05-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Convergent Resources, Inc. (FL)

A Checking account and 2 separate Savings accounts were opened in my name at XXXXXXXX XXXX, my social security number was used, but not my full legal name, and false addresses were created .This all occurred between XXXX and XXXXThe person or persons then deposited checks that were not good, but before this was found out by XXXX XXXX, they made multiple ATM withdrawals, agai st one of the Savings accounts, which resulted in a {$3200.00} debt owed to XXXX XXXX In addition, a NOW card from XXXX was activated under my name. I was unaware of any of this until contacted by a collection agency Convergent. I have now worked with XXXXXXXX XXXX and completed a Fraud Report with their collections department and an Idenity Theft Kit and provided proof of my real identity and address at a local bank site with XXXX XXXX a Branch Manager, who guided me to report this Fraudulent act and Idenity Theft to the FTC.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I have a collection account with XXXX XXXX XXXX. They are reporting wrong on my credit report. There was a settlement agreement on XX/XX/2017, by their attorney to make a payment of XXXX dollars a month due on the same day each month. I am paying as agreed, but why they are reporting this account is late to all credit bureaus. My right is being violated under the Fair Credit Reporting Act. My file number is XXXX under my married name now divorce. I would like this collection to be removed from my credit report. I have the right to an accurate credit report. I have a signed letter from the creditor or collector is solid proof that an agreement was made. Please delete this from my credit report
Consumer complaint received 2022-06-15
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. (GA)

In accordance with The Fair Credit Reporting Act -XXXX XXXX XXXX  Account Number : XXXX Has Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-31
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. (NV)

I lost my wallet containing multiple identification items in XX/XX/XXXX, and ever since I have seen numerous credit inquires show on all three major credit bureaus ( Trans Union, XXXX, and XXXX ), which were not initiated by myself or with my authorization. This has had a negative effect on my credit and even my ability to obtain employment. I demand all unauthorized inquires to be removed immediately. 

Trans Union : Inquiry details XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX : Inquiry details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 OF XXXX XXXX # XXXX XXXX, XXXX FIXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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, 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
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (HI)

The number for our Billing Disputes team is ( XXXX ) XXXX ( TTY/TDD : XXXX ) This department is available Monday-Friday XXXX EST and Saturday-Sunday XXXX EST. 

XX/XX/XXXX purchase made from vendor XXXX XXXX XXXX XXXX XXXX for {$500.00} XX/XX/XXXX dispute filed with Citibank for purchase because I was unable to contact the furniture company and had not received my furniture yet ; XX/XX/XXXX dispute cancelled because my order was pending to arrive. 
XX/XX/XXXX citibank closed dispute and returned funds to the vendor ; citibank is saying the funds were received on XX/XX/XXXX. 
XX/XX/XXXX I was supposed to get my furniture delivered but the vendor could only see the chargeback ; they could not see funds returned. I called citibank who confirmed that the funds were resent back on XX/XX/XXXX but said that the receiving back rejected the funds and they would manually resend ; could take 7-10 days. provided by citibank ARN # : spoke with citibank billing disputes ph : XXXX XX/XX/XXXX e-mailed valyou furniture ( XXXX - XXXX for update ; XXXX XXXX indicated their merchant services case was still pending XX/XX/XXXX received letter from citibank confirming that the funds were sent back to the vendor on XX/XX/XXXX ; forwarded to the vendor XX/XX/XXXX e-mailed valyou furniture for update ; XX/XX/XXXX valyou furniture indicated that their merchant services said chargebacks could take 60-90 days regardless if there is documentation from the credit card company ; suggested I continue with charge back to get my money back and then charge again for the furniture I ordered. 
XX/XX/XXXX spoke with citibank customer service and billing disputes who kept repeating that the issue is on the receiving side, but they could not call the receiving merchant services to confirm payment was received and i could not file another charge back since you are only given one " shot '' even though the intial chargeback was cancelled, and if i wanted to get my money back, I'd need to go to small claims court with the merchant to get my money back. 

Requested to escalate to a supervisor ; billing disputes person indicated that no supervisor is available and someone would call me back in 24 hours. 

In the meantime, citibank took my money back in XXXX which I paid off ; the vendor does not have their funds, and I do not have my furniture. Citibank will not resolve the issue with the receiving merchant ; started saying visa has different policies on how funds are returned ; myself and the vendor are stuck in the middle. 

I don't want to have to pay again for furniture I already paid for.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (MA)

Basically, since XXXX with XXXX  I have been asking them to place back my Santander Consumer USA account for a vehicle loan I have had since XX/XX/XXXX. At one time I did merely and simply dispute the balance because it was inaccurate. My balance had not been updated at that point in over 3 months. So I disputed it, because the balance was inaccurate. Then approximately XX/XX/XXXX, rather than update the balance they removed the account entirely. Now due to them, my credit score is down anywhere between 80-100 points if not more ... I merely want the account added back to my credit report as it reflects my good payment history and with the correct balance information. The account shows correctly with XXXX and XXXX. I have reached out directly to XXXX via phone, and even mailed in my payment history to them directly from Santander from a while back at least within the last 6 months .... and they keep giving me the run around AFTER confirming they have my payment history, hard copies, and still will NOT place my account back to my credit report. Each time I have contacted Santander Consumer USA, they keep telling me the issue lies with XXXX.
Consumer complaint received 2019-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

We had to go thru XXXX to keep our home due to my unemployment for a few months. Thankfully they paid the full balance on the account ( based on the delinquent amount and statement that was given to us by freedom mortgage ), and we were off to a fresh start the end of XX/XX/2019. The full delinquent amount was given to us by freedom and mortgage as all documents were collected and we went to closing with XXXX and the check was then sent to freedom mortgage to cover everything that was past due. XX/XX/ 2019 freedom mortgage received the check. We were happy to begin a new start and was given our monthly payment which started in XXXX. XXXX comes and we submit that monthly payment. XXXX I actually looked at the statement it was {$8800.00} past due. They claimed we had $ XXXX in negative escrow and they took the money from XXXX and applied it to the negative escrow and leaving us still past due on the Acct, and {$960.00} in late charges! After receiving a check from XXXX, freedom never communicated this negative escrow to us, nor did they instruct us on where the money would go and they never told us we would still be behind on our mortgage! After an hour long phone call today XX/XX/2019, they ( XXXX ) showed no compassion for our situation bc now its showing late or delinquent on my credit report and account not in good standing. The representative only submitted a request to the department that handles these situation and they will get back to them and let us know their response? We asked to speak to a supervisor and was told the supervisor was busy and would have to give us a call later today ... ( no call yet ) ... 

So basically XXXX gave Freedom money to XXXX out my past due amount and put our account in good standing and one month later we owe {$8800.00}? Heartless. The communication with freedom mortgage is horrible. Each rep gives different information. Theyre never on the same page. It take way too long to get things resolved, which almost always never get resolved! Its sad because this is our home and we are back to where we started! Terrible!
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (NY)

According 15 usc 1692g ( b ), I am demanding that credit acceptance corporation verify this debt. I spoke to the XXXX XXXX XXXX XXXX XXXX  that is handling this debt but it's very limited to what they provide me with. According to above law, I want to see proof of ORIGINAL AND CURRENT OWNERSHIP TO THIS DEBT SIGNED AND VERIFIED BY A NOTARY AS SOON AS POSSIBLE. I AM ALSO REQUESTING A NOTARIZED LEDGER CARD. I WANT ORIGINAL DOCUMENTS BEARING MY WET SIGNATURE. I WANT STATEMENTS ACCOUNTS FROM THE BEGINNING.