davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
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. (NV)

I had purchased a house jointly with my now ex-husband in XXXX. In XXXX we divorced. As part of the divorce I relinquished all rights to the house to my ex-husband. The loan was sold/tranferred at some point. The loan periodically appears on my credit report. My ex-husband is currently past due on payments. I contacted the mortgage company and they told me I was joint on the account and the only way to remove me from the account would be for my ex-husband to refinance. I offered to provide them with my divorce papers and they declined, again stating they would not be able to take my name off the account. In XXXX/XXXX I had disputed this with the 3 major credit reporting agencies. XXXX and XXXX have removed this from their reports after I submitted the divorce documents. Experian will not remove this. I recently completed another dispute with Experian ( XXXX/XX/XX/XXXX ).
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

I went to XXXX XXXX XXXX in XX/XX/XXXX as a referral from my doctor for XXXX XXXX. I specifically put XXXX XXXX on the patient form for the reason of my visit. However, what I received was an eye exam and a re-diagnose that I have a XXXX. At the end the doctor told me he does not perform XXXX removal and I have to go to a different doctor. I was not charged anything during my visit and no one told me I owed anything. However, months later, I received a bill for my visit for {$200.00}. I called the office to inquire about this charge and they said it is the consultation fee. I was very shocked to find out I have to pay this amount for a consultation that was merely telling me I have a XXXX, which I already know before going to XXXX XXXX XXXX. They did nothing to remove my XXXX, and did not tell me how much the consultation would cost up front. I was already diagnosed that I have a XXXX and the reason of my visit was for the removal, not to re-diagnose and tell me they do not do any XXXX removal. 

I attempted multiple calls in the following months to XXXX XXXX XXXX. They were very hard to reach due to their limited hour of operation. The billing specialist also told me to speak to the manager who was on vacation. After multiple attempts no one was able to address my issue. 

On XX/XX/XXXX I called Transworld Systems Inc. The Debtor agency about this incident. They told me to contact XXXX XXXX XXXX directly. All I wanted is to settle the amount I owe at a fair price. I do not think being charged for merely telling me I have a XXXX, which I already know ( obviously ) is fair. Also, no one has disclosed me what the charge will be. Had I know I have to pay this outrageous amount for something I already know, no one in their right mind would agree to the service. 

Today I tried calling XXXX XXXX XXXX again thinking they would've opened after the pandemic in last attempt to resolve this issue. However, their phone number is no longer in use. 

They can not just send me monthly debt collection bills without attending to my attempts to settle or even trying to justify their collection. 

I feel I have been scammed and unfairly treated.
Consumer complaint received 2020-05-07
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-05-07
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. (TX)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$890.00} COLLECTIONS XXXX {$590.00}
Consumer complaint received 2020-05-07
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. (TX)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$890.00} COLLECTIONS XXXX {$590.00}
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was the victim of an employment scam. I was working as a personal assistant where bad checks were given to me to run errands. I was unaware these checks were fraudulent as they were from a major banking institution. Two months go by and the bank, without notice, determines the checks are fraudulent. When I saw my account I called the bank immediately, went to my local branch, and my police department. I have everything to prove I DO NOT have this money. Receipts, texts, emails, etc.

The bank, Citizens Bank, charged off and closed my account on XX/XX/XXXX. In error my tax refund was sent to that account on XX/XX/XXXX and the bank reopens my account and proceeds with collection and seizes my tax refund on XX/XX/XXXX. Theyre collection practice is illegal!!!!
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (NC)

Since this company Bb & t merged with suntrust they have been hitting me with XXXX dollar overdraft at every single chance they get. I was laid off from my job on XX/XX/XXXX and I am now XXXX. This company obviously does not care about their customers one but. I deposited a XXXX dollar check last week on the XXXX and they put a 10 day hold on my check. They are now charging me nsf fees for reoccurring payments and their XXXX dollar monthly service fee. This company basically makes up their own rules. Their fraud department actually said it was at the local bank manager XXXX XXXX discretion to release my funds and when I begged her to do so she was extremely nasty about it. She said I will not release the funds because in the last XXXX years you have XXXX nsf fees. Most of these fees were caused by their merger that completely screwed up my accounts and there were times I had no access to the app or money through my atm card. This company caused so many issues to my account when they merged and then I paid the price. I was laid off last XXXX in XXXX because of COVID and now this past XXXX due to the mortgage industry rise in rates and extreme volatility in industry as well as my becoming XXXX after being hit by a car while walking my dog. I feel I have been treated extremely unfair and I do not think this company should be able to be unavailable in anyway for days and days and because of their merger charge me excessive fees than because of these excessive fees prevent my having access to a XXXX dollar check that I was desperately in need of. Since COVID I have had to live in a hotel and then I lost my job twice this company should have some compassion for these unforeseen and uncontrollable issues I have experienced!
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (CT)

( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-05-07
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. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( 3 yrs, 1 mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX   XXXX  Original creditor : XXXX XXXX  XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX   XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX XXXXXXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We have had our monthly payment of {$370.00} automatically withdrawn from our checking account since XXXX XXXX with no issues. On XX/XX/XXXX our credit union XXXX XXXX XXXX XXXX XXXX XXXX contacted me by phone stating Select Portfolio Services , Inc. was attempting to withdraw monthly payment from savings account. I asked XXXX  representative to if it could be paid. XXXX  representative noticed amount comes out of checking account monthly, we haven't made any adjustments with mortgage company. In XXXX Select Portfolio Services , Inc. attempted to withdraw monthly payment, and again they were attempting to withdraw from saving account. However, this time credit union could reach me, so they rejected payment. Upon speaking with credit union, they informed me Select Portfolio Services , Inc has all the right bank routing numbers and checking account number, but they are coding it on their end as savings account. My wife contacted Select Portfolio Services , Inc. in first part of XXXX and spoke with a representative. During her conversation, she gave representative bank routing number and checking account number, which representative verified were correct. My wife requested them resetting our password because we forgot our log in, representative did. My wife made a payment by phone. In XXXX I received notification from Experian Credit Bureau indicating I had an agency report a negative action, it was Select Portfolio Services , Inc. We received a letter from Select Portfolio Services , Inc. in late XXXX stating payment couldn't be made. I contacted Select Portfolio Services, Inc. on XX/XX/XXXX and spoke with a representative. I explained what happened, he informed me my banking information is coded as a savings account. I reviewed routing number and account number, which were correct, however they are checking account information. He explained the only way it could change to saving account is if we go online and change it. I explained we haven't been online, he stated someone logged onto our account on XXXX XXXX, XXXX at XXXX and changed information from checking to savings. I explained it wasn't my wife or I because we didn't know our log on information. I stopped auto pay through Select Portfolio Services , Inc. and have set up auto payment through our credit union. I requested to make missed payment, representative told me it would be a {$15.00} fee. I disagreed because error was done on their end, he told me I could mail a cashiers check or certified check. I asked to speak with supervisor, when supervisor got on line, she explained same. I asked to speak with her supervisor, and she agreed to wave fee this time. I inquired about credit reporting and she said nothing could be done.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

My fed loan servicing accounts should have been in a deferment or forbearance XXXX XXXX XX/XX/2017. My XXXX  loan is showing correctly but my Fed Loan is not. I have filed multiple inquiries with the 3 CRA 's and with Fed loan directly with no resolution. 
Each account with Fed Loan is showing 6 DQ payments, for each loan and it is severely impacting my score. The information caused other card issuers to close my accounts in 2017. I was promised investigation by phone with FedLoan without any resolution. Every-time I have called, individuals say they can see the error and submit a request to adjust but then nothing ever comes of it.
Consumer complaint received 2020-05-07
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MS)

I lived at XXXX XXXX XXXX in XXXX Virginia from XX/XX/XXXX until XX/XX/XXXX. I was charged {$430.00} for damaged carpet replacement and was provided the attached pictures as carpet damage. These pictures do not show carpet damages but normal wear and tear. I contacted the XXXX XXXX XXXX and the company still alleged that I owe them money for the carpet. I didnt accept the company response but the case was closed as the community didnt further respond back. The company has now turned me over to collections and Ive been denied apartments because of this. This is retaliation for speaking up to law enforcement regarding drug dealing in my building and crime and refusal to renew my lease because of such. I was told I have an unsatisfactory rental history which is not accurate. XXXX XXXX and XXXX XXXX are taking retaliation against me for reporting illegal activities within the community and complaining about issues within the community to include a squirrel living in the attic above the apartment.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (IL)

I took out a loan with Santander Consumer USA XXXX to buy a XXXX XXXX in XX/XX/2009. I got the loan with a rate of 29 % and they charged me 10 points upfront. 
I struggled every year to pay the car note paying more than 3.5 times what I paid for the car. I almost lost everything trying to make that car payment. 
I have been late almost half the time I had this loan. I have had the loan for almost 10 years after 10 years Santander should have take the negative remarks off my credit report after 10 years. 
Santander what they did was the oldest payments they took off my credit report so they could keep showing my negatives for almost 20 years way past what is allowed by law.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I was on forbearance with Navient and was then never informed that I was off of forbearance. They subsequently reported all 6 of my federal loans as being 90 days late in XX/XX/2019 to the credit reporting agencies, which is false. The attached email shows that I was unaware that my forbearance was taken away until XX/XX/2019 when I was put back on forbearance.
Consumer complaint received 2020-05-07
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. (TX)

I HAVE NOTIFIED THE CREDIT REPORTING AGENCY TRANSUNION THAT I AM THE VICTIM OF IDENTITY THEFT ON MULTIPLE OCCASIONS AND THE FRAUDULENT ACCOUNT STILL REMAINS ON MY CREDIT REPORT THE CREDIT REPORTING AGENCY TRANSUNION IS IN VIOLATION OF SEVERAL FCRA LAWS I HAVE SENT SEVERAL DISPUTE LETTERS VIA USPS MAIL AND ALSO SENT A SIGNED FTC IDENTITY THEFT AFFADAVIT I AM PREPARED TO TAKE LEGAL ACTION. TRANSUNION IS IN VIOLATION OF FCRA 605 B BECAUSE THEY DID NOT BLOCK OR DELETE THE FRAUDULENT ACCOUNT WITHIN 4 BUSINESS DAYS. THEY DID NOT EVEN OPEN A DISPUTE I SPOKE WITH A REPRESENTATIVE ON XX/XX/XXXX WHO LIED TO ME AND SAID THAT THEY DID NOT HAVE TO FOLLOW FCRA LAWS ONLY THE ORIGINAL CREDITOR DID. IT HAS BEEN OVER 30 DAYS SINCE I. FIRST DISPUTED THIS FRAUDULENT ACCOUNT ON XX/XX/XXXX AND YET THE FRAUDULENT ACCOUNT STILL REMAINS ON MY CREDIT REPORT
Consumer complaint received 2020-05-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

There are several inquiries on my credit report from different companies. Bank of america especially. I have had an account with them since XXXX last year. someone is fraudulently trying to open accounts with my social security number. I have not had a reason to inquire about anything else since i got the account so i do not understand why there are several inquiries after the opening that are showing. XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX /XXXX XXXX, XXXX / XX/XX/XXXX / XX/XX/XXXX / XXXX XXXX XXXX all dates after the opening of my account that have been pulled for no reason. there are several for XXXX XXXX as well. this is absurd.