davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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. (TX)

In XX/XX/XXXX I was contacted by a debt collection agency about a XXXX  card that had not been paid from XXXX through XXXX. I was not aware of the payment statements because it was only going to my spam folder. Once notified, I paid the amount due of roughly {$270.00}. 

Nonetheless that has stayed on my credit report ever since, as " Paid, was a charge off, '' Despite several efforts in XXXX to get the credit reporting agencies to investigate and dismiss the claim because it was paid in full, it has remained there. 

I want to try to get a refinance on my house and this single derogatory notation is hurting my ability to get a favorable rate. It has been six years. It needs to be removed.
Consumer complaint received 2022-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

In XX/XX/XXXX I was furloughed. I had just started a loan modification in XXXX and had made both XXXX and XXXX payments in time. I was told I could resume my payment without the XXXX XXXX payments counting negatively towards my credit as long as I could afford to resume payments. XX/XX/XXXX I finally was able to go back to work. But shellpoint told me I had to pay the entire amount of XXXX XXXX XX/XX/XXXX XXXX the entire amount of the previous XXXX modification in order to keep my home from forclsuree. They refuse to let me resume payments even though I make XXXX XXXXXXXX a year and then reported to the credit bureaus so now I cant even get a personal loan. I dont know what to do because I can afford my home and I dont understand why they didnt inform me of having to have to pay the entire amount in full. I spoke with them several times throughout the pandemic and never once was anything like that mentioned .please help as now I I think its going to be in foreclosure and Ill have to find a new home but now my credit is tarnished even more. I want to keep living in my hone as Ive been here for almost XXXX years. Thank you
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Refinanced loan with XXXX prior to loan being transferred from XXXX XXXX to XXXX. Have copy of the cashed check which was paid directly to XXXX. XXXX customer service has been terrible to deal with. They are simply a disorganized mess. Have communicated with CS via phone and email for 4 months. Sent copies of cashed checks. They report no issue yet they reported a new load AND delinquency to my credit report. Their response was " just wit a few months '' and then if nothing happens to dispute the report .... WHAT!!!!!! It is their responsibility to correct their error - not just blow off the issue. My report took an 80 point hit. There should be laws against this sort of behavior with no repercussions. We wanted nothing to do with this institution, it was forced upon us.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
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. (CA)

Last year I discovered a false accounts with XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts have denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-09-26
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: Selene Holdings LLC (GA)

Selene Finance is not reporting my mortgage to the credit reporting companies. Mortgage co now states because I filed bankruptcy back in 2005 and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from Selene stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have reached out to ALL 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with- ( XXXX  XXXX name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

On XXXX XXXX XXXX I received a letter that I was not approved for a work out plan and I have been impacted XXXX XXXX XXXXXXXX and have been sick. 

Now, my relationship department called me and told me their was no options for me to save my home at this time. 

I told them I have a change in circumstances and I emailed my XXXX tax return and I feel like since the restrictions has been uplifted. Now they want to slam me and take my property. 

And the property is not worth what I owe its only worth {$66000.00} and I was told if I had a change in circumstance which I can start paying my regular mortgage payments since I submitted my XXXX tax return.
Consumer complaint received 2022-09-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX started reporting to credit bureaus that I was late. I actually spoke with them doing this time, which they took my monthly credit card bill down for few months but I had let come directly out of account for program people with hardship. I agreed and put my monthly reduce payments on auto pay. In real life I was never late, I tried many times to resolve this issue with them even 2 years ago disputed it with bank statement at that time no resolve to this matter. I would like for incorrect information correct with late payment removed. 


XXXX XXXX XXXX XXXX XXXX they are reporting that 7 payment was late on 5 different student loans I have with them, the loans was in forbearance during that time. I have reach out to Navient on different occasion but same result incorrect information. I would like for incorrect lates to be removed from my credit reports, which is very damaging to all 3 of my credit reports trying buy house but incorrect information in my credit report is keeping me from doing so. Please Correct.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (RI)

On XX/XX/28 I received an email from XXXX XXXX ( XXXX indicating I had a debt and they were going to proceed with legal action against me. 

I replied and said to stop any and all emails/phone calls and to please provide me with proof of debt by mail to my home address, which I provided. 

On XXXX, I received another email - copied below : Dear XXXX, The Fraudulent customers like you don't deserve any type of sympathy from the company side. 

Sent you lots of e-mails but you did not respond to any of our e-mails. 

You can't even imagine what legal consequences you will be facing you might lose your all money at once and your credit report will be thrashed your bank account will be frozen and your current Employer should also get notified, You might lose your job also. 
Now it's up to you to settle your case file outside the courthouse, else by tomorrow the case will be downloaded and you will be sent court summons to your postal address. 
We apologize for using these harsh languages but you have forced us to use these languages. 

If you cooperate with us we can resolve it out of the courthouse. 

Kindly get back to us ASAP. 


Best Regards. 

I again replied and told them to STOP ANY and ALL correspondence by email/phone.
Consumer complaint received 2023-03-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AmeriCollect (FL)

Americollect , INC . 
XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX REPORTED INFORMATION : Amount of debt : [ XXXX ] Amount of debt : [ XXXX ] Date of Service : [ XX/XX/XXXX ] Date of Service : [ XX/XX/XXXX ] Provider of Service : [ XXXX XXXX ] Provider of Service : [ XXXX XXXX ] On XX/XX/XXXX, I sent a letter requesting specific information regarding TWO debts Americollect is reporting on my credit file. This was not a refusal to pay, but rather a notice that I am disputing the claim and requesting validation. i have the right to request this validation and HIPAA authorization pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Unfortunately, I did not receive the following information I requested : Agreement that grants them the authority to collect on this alleged debt. 
A complete breakdown of fees including any collection costs and medical charges. 
A copy of my signature with the provider of service to release my medical information. 
Cease any credit bureau reporting until the debt has been validated by me. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor on my behalf regarding this account and the results of those claims Alleged account number. 
Address on file for alleged debtor. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

This is a second request to provide the information. Withholding information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA, as it would be deceiving me after my written request. Therefore, I request full documentation of what they received from the provider of service pertaining to this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act. I have attempted to call several times, but when I advised that my call could not be recorded, I was placed on hold for an extended period of time before being disconnected. Under Florida law everyone involved in a conversation must agree to be recorded and I have a right to decline the recording. The Fair Debt Collection Practices Act says people collecting debts cant oppress, or deceive clients.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 US Code 1681. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system, reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-07-22
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. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7500.00} XXXX XXXXXXXX Balance : {$1200.00}
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

On XXXX XX/XX/2021, I pulled my credit report from XXXX  after noticing my credit score had decreased significantly and noticed that the Credit Control Corporation had filed negative information about an outstanding debt on my credit report. Prior to pulling my credit report, no attempts were made by the Credit Control Corporation to contact me to notify me of the outstanding debt or to collect against the outstanding debt. When I contacted the Credit Control Corporation about the debt, they had an incorrect address on file that I've never lived at and was in fact the address of the original biller. After speaking with the Credit Control Corporation on XXXX XX/XX/2021 to ask for details of the outstanding debt ( I didn't recognize the original biller ), I contacted the original biller who is going to pull the file back from Credit Control Corporation as the original biller never filed the information against my insurance even though they had my insurance information on file.
Consumer complaint received 2020-10-05
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj SSN:XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MD)

I had a credit card and its associated account through Elan Financial Services since XXXX. My issues are with both. 

On XX/XX/XXXX I reported my card as stolen. I requested it be replaced, but to date it has not been replaced despite requesting so through their customer service on at least three occasions. 

On XX/XX/XXXX I was finally told my card would not be replaced because my account had been closed. I did not request my account to be closed, and Elan did not contact me to let me know that I was at risk or that they were taking this action. My credit score has been significantly damaged as a result and so I can not find another credit card company to take my place instead.

On at least three instances ( late XXXX, early XXXX, and summer XXXX ) I attempted to set up automatic payments via Elan 's mobile app or by speaking to a customer service representative. These efforts did not work and automatic payments had not been attempted. I was not notified until months of non-payments went through and hundreds of dollars of late fees had accumulated in two of these instances. The third time I was not notified but did notice by myself.

On numerous instances Elan has withdrawn the funds from my bank account to make payments ( most recently XXXX, XXXX ) just to return them later and claim that the payments did not go through and assess me a significant fee. I have been monitoring these as they happen and in every case, I do have sufficient funds in my bank account and the payment is listed as " posted. '' I do not have these problems with any other credit card company or other service. 

I attempted to reach out to Elan on XX/XX/XXXX to resolve all these matters and more but they have proven unwilling to respond even as I was on the phone with them 20 minutes ago.
Consumer complaint received 2021-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

On XX/XX/2021 I went into a purchase agreement for a stay with XXXX ( the reservation was under my wifes name XXXX XXXX XXXX XXXX XXXX and used their platform. The total amount is for {$4100.00}. My stay was supposed to be from XX/XX/XXXX to XX/XX/2021. I only stayed the night of the XXXX and the host changed our reservation for just the one night which is reflected in the reservation due to issues of the home and the remaining nights were to be credited back. I reached out to Affirm and received a message back saying after reviewing my information, i'm responsible, which i should not be. I provided all information including the owners name and also reached out to XXXX numerous times and am unable to get help. I do not believe they investigated fully because they would have been able to see that my refund was supposed to have been issued. Even XXXX could not get in touch with the host as well. They should raise a red flag as well. I have numerous loans out that i have been paying for with them and i feel this has not been looked into far enough. Ive provided detailed details as well. I just feel if this type of issue cant be rectified then i do not need to keep referring others or continue to do business.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I had opened a Citi priority checking and savings account on citi 's website following a promotion link where it was stated that if I open the Citi priority account and maintain a combined balance of {$50000.00} in both of my accounts for 60 days, I will receive a cash bonus of {$700.00}. 

I followed all the terms and conditions of the account and maintained the required balance however Citi is now refusing to honour the cash bonus of {$700.00}. 

After opening my account, I followed up with their customer service to confirm that if I have met all the criteria for the bonus and they did confirm that I have met the criteria and I should receive my bonus by XXXX XX/XX/XXXX. I have screenshots of my chat conversation to prove the same. 

I have contacted Citi bank customer service via chat and phone calls several times since then and every time they tell me different things. They rejected my first dispute stating that there was no promotional code attached to my account. The second dispute was rejected stating that the promotional code I had provided to them ( which was the code given to me by their own customer service rep over the phone ) is not valid. The third time, I was told that they will attach a new code to my account and I will get the bonus once the respective department reviews the code details. However, I have still not heard back from them. 

This has been ongoing for several months now and now Citi is telling me that I need to produce a letter stating that I opened the account under that promotion. Since I had opened the account through their online link, I do not have any specific document stating the promotion conditions. I have explained this to them several times but they have still not given me any satisfactory responce. 

Citi has held my funds of {$50000.00} since XX/XX/XXXX and after so many months they are now telling me that I am not eligible for the bonus. 

If this was the case, why didn't they tell me about that when I enquired with their customer service. I was being lied to by their customer service. 

Since I am not getting positive feedback from Citi, I am registering this company with your department hoping for a positive outcome. 

I will appreciate it if you can please help me in getting my bonus cash reward. 

If you need any other detail in order to process my complaint, please let me know. 

Many thanks XXXX XXXX