davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
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. (AZ)

I opened a credit card on XX/XX/2017 for XXXX XXXX under Citibank ( XXXX ). The employee made a mistake and used the wrong person 's information but with my social so a credit card was opened in my name for the wrong person. When I contacted XXXX XXXX they cancelled the card as fraud and I reported it as fraud on my credit report. Then XXXX XXXX opened a new credit card account for me that was in my name. 

However, all 3 credit agencies were only showing the closed account. They were not showing the good standing account, which would increase my credit score if it showed. 

I opened an investigation with XXXX. Upon completing the investigation I received a letter in the mail saying they're no longer reporting the closed account and they're only reporting the good standing account to all 3 credit bureaus. Since then, XXXX  and XXXX  have removed the closed account and are showing the good account, just like I wanted. However, XXXX  is still showing the closed account only. When I called them to ask about this the representative I spoke with said he can see the good account from his end but I can't see from my online account because only employees have access. But, he said he's not sure what it would take to get that to show on my official report and remove the closed account so he transferred me to a supervisor. The supervisor then said what the previous representative told me is inaccurate, that he would be reprimanded for telling me he can see the good account, he doesn't see the good account and that they're only showing what XXXX is reporting them and I need to reach out to XXXX and there's nothing else they can do for me. 

So I'm at an impasse where XXXX has provided proof in a form of a written letter they're reporting it to all 3 agencies. Evidence of this is that both XXXX  and XXXX  reflect the change but Transunion does not and they claim there is nothing they can do. This is my last step before filing a lawsuit against Transunion.
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd (IA)

A man calling from this number told me that the call would be recorded, stated the company name and attempted to get me to verify my information regarding a business matter. I asked him several times that Ive never heard of the company ( Nationwide Recover Services ) and to state the nature of the business before I verified any information. He refused several times and has called me 3 times within 7 business days. I asked what the company was, and he kept saying it was a business company. I outright asked if it was a debt collection agency and he refused to tell me. I called the number back to see what the company was, and he answered and didnt specify, once again, despite the fact that I called. I looked it up and of course it is a debt collection agency. They are required by law to report if they are attempting to collect a debt before they ask a person to verify information. They are harassing me and not being transparent.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I contacted transunion on XX/XX/XXXX. I had a 71 point drop out of nowhere. I have a very healthy credit profile. XXXX XXXX notified me that a recent account was closed, with no information on what that account was. I contacted Transunion and asked them what happend. I went through algorithmic discussions and the awesome credit profile that I had built. My unlilization was low.My accounts were never late. I have a great profile. I asked why my score tanked from XXXX to XXXX with no indication why. I talked to three different people. I talked to management also. Absolutely no one could answer my questions. I kept getting stonewalled. I picked my credit profile apart piece by piece. I asked what negative factor caused such a drastic change. The had no idea why, with no resolution in sight. I told them I was going to file a complaint. I felt like this is fraudulent reporting. I never had any account closed and nothing reporting on my credit. My credit has suffered with no reason made known to me.I need help.
Consumer complaint received 2020-07-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clark County Collection Service (NV)

The account is being handled by Clark County Collection Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, XXXX. The issue is not with the collection agency who have been nothing but professional to this point but with their client. 

The debt is a medical bill which was submitted to collections XX/XX/2020 from XXXX XXXX. The debt was a patient responsibility in the amount of {$210.00}. 

Prior to submitting the debt to the collection agency the creditor illegally inflated the debt by {$110.00} which was intended to cover the contingency fee Clark County Collection will charge upon successful recovery of the debt ( contingency fee of approximately 53 % of recovery ). This fee is a cost that the original creditor must absorb and charging it is in violation of Nevada and Federal collection laws. 

There is no signed agreement between me and XXXX XXXX   which allows for cost of collection and even if there were it would only allow for legal fees if the account is litigated under state and federal law. As such the creditor has illegally inflated a debt for the purpose of offsetting the cost of collections.
Consumer complaint received 2020-07-03
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: Acceptance Rentals, Inc. (NY)

I have been trying to reach out to Acceptance XXXX, regarding my account for the past 60 days. I phoned, emailed and sent a letter to the corporate office. However, I had no response. 
I have false and inaccurate information on my credit report. Through the credit bureau XXXX  and XXXXI requested that Acceptance XXXX  forward me a copy of my original agreement/ contract to the address I provided or email a copy of my contract. 

When I initially opened this account. I signed up for insurance in the event that I lost my job or was injured ; and could no longer pay. When I lost my job. I gave proof that I was no longer employed and completed the paperwork for my insurance claim, which was immediately received and processed by Acceptance XXXX. My payments were covered through the insurance policy. Which left me with a XXXX  balance, because the insurance policy paid the remaining balance. When I signed the agreement, the contract stated that some of my payments went toward my purchase and the rest to my insurance policy.So I made monthly payments to my insurance coverage the day I opened this account. 

Acceptance XXXX  is reporting this account as a charge off/ bad debt. I requested this account be removed from my credit report. 

I also contacted XXXX  and XXXX  to inform them that there is fraud and inaccurate information on my credit report. From the creditor, Acceptance XXXX. I requested that this account be removed from my credit report. XXXX  's and XXXX  investigation was completed and the results were verified and accurate. Which is not true.This account is not accurate. 

I requested that the method in which XXXX  and XXXX  used to validate the validity of this account, be sent to me in writing. XXXX  or XXXX  never sent me this information. However they sent me a general postcard in the mail explaining the Fair Credit Reporting Act and explaining that they use public records to verify accounts. 

How could XXXX  or XXXX  verify through public records fraud and inaccurate information? They can verify I had an account, but the details in which I'm disputing had not been verified by XXXX  or XXXX.They have not fully investigated this account. This account was paid through insurance and is being reported as a charge off/bad debt. 

XXXX  has not noted in the comment section of my credit report that I have disputed this account. 

Therefore, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding Acceptance XXXX, that is listed on my credit report. 
As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

Please provide me with this information or delete this account from my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2020-11-04
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. (MS)

The credit bureaus are reporting an inaccurate information on my credit report. Those inaccurate information affects my job and livelihood. I sent them letters to investigate properly but kept on receiving inaccurate report. I always pay on time and was never late on all my payment dues. Below are the accounts that affects my credit score : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

Debt was paid via Check through my bank and cashed by Midland bank on XX/XX/2020. THe check cleared my bank on XX/XX/2020 In the amount of XXXX. Midland rep stated that they never cashed the check
Consumer complaint received 2020-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (WA)

Hello, My mortgage servicer is Truist Bank while the mortgage is held by XXXX XXXX. We were contacted via post with a letter stating that our loan was qualified for forbearance under the Cares Act. I did an online inquiry and was sent a letter telling us that we were good to stop paying our mortgage and giving three options of how to repay the loan. This is the area where I seek clarity. 

I called in using a script received from your website asking of repayment options and was repeatedly told this would be decided at the end of the forbearance period. I reiterated that I would not enter into an agreement without knowing the end game. I repeatedly asked for a letter clarifying that at the end of the forbearance, repayment would be added as the same number of missed payments to the end of the mortgage with no penalty. I was told this could not be done. 

This is scary. During this pandemic people are afraid and grasping at straws. Our representatives fight to create legislation that can help people, yet I see it as double dipping by banks. They are getting federal assistance and endeavoring to make any assistance obscure to seize homes at the end of this crisis?
Consumer complaint received 2020-07-03
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. (CA)

-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a XXXX XXXX XXXX  credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with XXXX XXXX XXXX  on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). XXXX XXXX XXXX  refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from XXXX XXXX XXXX  sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
XXXX XXXX XXXX XXXX  account number with the derogatory mark is not the XXXX XXXX XXXX  account I co-signed. 
-I do not have any connection or affiliation with the XXXX XXXX XXXX  account that reflects a write-off. 
-I did not authorize or co-sign on another XXXX XXXX XXXX  account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ADIR INTERNATIONAL LLC (CA)

I contacted the company XX/XX/XXXX & XX/XX/XXXX ' XXXX to dispute this account as a fraudulent account not belonging to me, after receiving a alert from my credit union that this account was opened in my name and showing up on my credit report. The account was opened XX/XX/XXXX. I didn't open this account and had no knowledge of this company. I disputed this account with all three credit bureaus as well as notified my bank. When I called the company ( CURACAO ) directly as noted above, they refused to talk to me, as my information/phone number did not match that of the account. Well wouldn't that be a possible indicator of fraud? Now the card holder is delinquent on her account, that's being reported on my credit report and it's causing my credit score to fall. I do not get any correspondence such as billing ( The bill does not come to my address that I've lived at for nearly 18 years ) due to this not being my account. Not only does my phone number not match this account, neither does my address match this account. Because it was obviously opened by someone other than me who did not have my phone/address information.
Consumer complaint received 2020-07-03
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. (CA)

-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a XXXX XXXX XXXX credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with XXXX XXXX XXXX   on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). XXXX XXXX XXXX refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from XXXX XXXX XXXX sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
XXXX XXXX XXXX XXXX account number with the derogatory mark is not the XXXX XXXX XXXXk account I co-signed. 
-I do not have any connection or affiliation with the XXXX XXXX XXXX account that reflects a write-off. 
-I did not authorize or co-sign on another XXXX XXXX XXXX account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.
Consumer complaint received 2020-07-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

In 2016, I received a bill for {$1400.00} from XXXX XXXX XXXX. I called them because the notice said, " I was going to be disconnected. '' I spoke to representative they gave me an address of XXXX XXXX XXXX. XXXX, Texas XXXX. It was a commercial business named XXXX 's XXXX. I was not successful on speaking to anyone there. So I called XXXX XXXX XXXX and explained to them that it was not me who used this energy & that my residence at the time was XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. They informed me they couldn't do anything about it and that If I didn't pay I would get disconnected. The disconnection came because I could not pay that large amount out of nowhere and ended up having to use a prepaid light company until I paid a deposit for XXXX XXXX  in which they allowed me to split my deposit payment and get regular service. This was a Identity theft. I did once go to a police station by XXXX XXXX near my place of business. I was told that I couldn't file it there and given some info sheet. 

Nothing has been resolved. I have disputed it many times and it has been placed on my credit report regardless. Plus, they have placed it in collections and recently managed to report it as a late payment. I don't know how this is possible since the damage has been done by placing it in collections but still reporting it as late how is it that possible. It's like knowing they won and still kicking me by reporting it late, changing the dates of the " supposed incident '' allowing it to extent and start over, placing it in collections & as much as I dispute I'm being fed to the dogs and no consideration of what this is doing to my credit that affects my life in general.
Consumer complaint received 2020-07-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$6100.00}, {$2400.00}, {$6000.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 4. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX STUDENT LOAN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

12. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I purchased air conditioning from PC Richard last year through special financing, no interest for one year. The sales person did not inform me about deferred interest or special charges if I dont pay in full after a year. XX/XX/2020 my balance went up by close to {$700.00}. I realized this today while checking my credit history and saw that balance went up a lot. I had not been receiving any statements from them. I called Synchrony Finance today and they said that they cant do anything. I requested supervisor to raise a complaint and send me correspondence or give reference which she refused. I am having financial difficulties these days and I would really appreciate if you can help me with PC Richard and Synchrony finance. I have raised this with XXXX XXXX XXXX as well. Thank you
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CO)

I am writing to express my disappointment and frustration with the recent handling of my account with XXXX XXXX, in XXXX Colorado. My final bill was due on XX/XX/2023. I had originally owed XXXX dollars and some change and it climbed to XXXX dollars and some change. I was still willing to pay that amount. I made several attempts to pay the bill through their website portal, but I was unable to find any option to make the payment while charges continued accruing. 

Despite my efforts to pay the bill, I was shocked to receive a notice from a collections agency on XX/XX/2023, stating that i now owed their company XXXX dollars. I was never given an opportunity to address the outstanding balance or dispute any charges. I never received email, mail, or phone communications in order to collect the final bill either. I was immediately sent to collections, which has caused undue stress and inconvenience. 

Thank you for your attention to this matter. 

Sincerely,