davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
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. (TN)

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) Account Number : XXXX Balance : {$660.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$7700.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$730.00} This is a formal complaint against XXXX, XXXX, and TransUnion. The collection accounts I have mentioned above are being reported erroneously in my credit report. I have disputed these accounts since XX/XX/XXXX, and I do not see any changes in the way the account is being reported. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act. 

For one, XXXX XXXX XXXX is still reporting inconsistently. The date of last activity in XXXX is XX/XX/XXXX, while TransUnion shows XX/XX/XXXX. The credit bureaus can't seem to correct or validate this one. I even disputed this directly with the collector and original creditor. I am not getting any response to my disputes. It seems my effort to get this resolved is being neglected. I am trying to get approved for a loan and this is causing too much stress.
Consumer complaint received 2021-11-05
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. (MI)

I received your correspondence on this alleged account stating your ( verified or updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

I had listed an item on XXXX for {$1000.00}. The seller had offered to pay me in a check. As I had received the check and cashed it into my account, a few days later the scammer had done some sort of hacking which led to a deduction of {$2900.00} from my account and I am left with a - {$240.00} in my checking accounts. I have no money on me, cant pay a single bill, cant pay for college, cant get food, no transportation, nothing. Kindly please get back to me. 

Scammers XXXX account- XXXX Phone number- XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021, I paid my HSN credit card bill as I had been ( on time ) since I received the card. The credit card is operated by Synchrony Bank. At that time, I had not received paper statements for over a year, not because I requested electronic statements but because they just simply stopped sending them. 
On XX/XX/XXXX when I went online to pay my credit card bill, I saw that I had a late payment. When I called to inquire why, the gentleman informed me that they were using a new system which changed my payment date to the XXXX of each month. I asked could I changed it back to the XXXX and the gentleman stated that I could not but he could change it to the XXXX of every month. I also asked if he could remove the late fee since I did not know until calling that my payment date had been changed. He stated that he had removed the late fee and assured me that I would not receive another after I paid my bill with him. 
On XX/XX/XXXX when I went online I saw that not only had the payment date not been changed, but the late fees compounded. I again called Synchrony Bank and spoke with a woman for about 20 - 30 minutes as to why I still had a late fee and the date had not been changed. She advised that she would have the call pulled and if indeed the gentleman told me what he did, they would have to remove the fees and change the date. 
On XX/XX/XXXX, I saw that the date had been changed but the fees not removed. 
I found out during my last call to Synchrony Bank ( XX/XX/XXXX ) that the woman only submitted the date change and mentioned nothing about removing the late fees. I was also told by the escalated rep that the fees should be removed. I paid the monthly charge of {$30.00} to that rep. I did find it strange that after our long conversation of what happened, she still tried to get me to pay the late fees stating that it would be easier to for them to respond to my claim if I did. I advised her that I am not paying anything that I do not owe. 
This was not my fault. I did not receive a 45 day notice from them as I have researched that I should. On XX/XX/XXXX, when I can not remember the last time that I was sent a paper statement of which I have NEVER requested electronic statements. I was told EVERY time that I called that the fees would be removed but they are still compounding. I am now not able to make the standard payment online. These months of late fees have been processed with the credit bureaus as late payments ( even though I have been paying on time ). This has lowered my credit score. I was in the process of applying for a pre-approved unsecured loan of which I can not complete because of this issue. I was guaranteed by the first gentleman that I talked to that he HAD REMOVED the late payment and assured me that I would not have any additional payments. The calls were supposed to be reviewed but it appears that has not happened.
Consumer complaint received 2021-11-01
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. (LA)

XXXX XXXX I sent an affidavit to federal student aid via fax successfully sent. I also contact XXXX XXXX XXXX to cease and desist all communication but received a text message stating that my payments restart after XX/XX/2022. According to congressional terms promissory note is defined as an instrument that evidence a promise to pay a monetary obligation does not evidence an order to pay and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. This is clearly stating that no money is owed under an consumer credit transaction.
Consumer complaint received 2021-11-01
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. (NY)

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that not giving consent is the same as committing identity theft : XXXX XXXX Card
Consumer complaint received 2021-11-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I booked a flight for my wife and I to XXXX on XX/XX/2021 and noticed I did not have our names the same as our passports. I somehow got routed to XXXX and they assured me they would change our names for {$450.00}. Our names have never been changed with XXXX XXXX and they have never heard of this company. I contacted my credit card company ( Bank of America ) and they said it happened too long ago and said to contact the company. I did and they refuse to do anything.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Granite Edvance Corporation (LA)

XXXX XXXX I sent an affidavit to federal student aid via fax successfully sent. I also contact Granite State Management to cease and desist all communication but received a text message stating that my payments restart afterXX/XX/XXXX. According to congressional terms promissory note is defined as an instrument that evidence a promise to pay a monetary obligation does not evidence an order to pay and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. This is clearly stating that no money is owed under an consumer credit transaction.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (OH)

We are in the process of closing on a house. We have excellent credit scores and are putting 20 % down. After meeting all of the conditions stated in our conditional approval the bank went to schedule an appraisal. The first appraisal was ordered on XX/XX/XXXX to be returned on XXXX XXXX. It was cancelled by the appraiser. A second appraisal was scheduled for XX/XX/XXXX. It was cancelled by the bank. A third appraisal request went out XX/XX/XXXX but we did not see a scheduled date as it cancelled almost immediately by the bank. A fourth appraisal request went out at XXXX XXXX XXXX XXXX. We talked to the appraiser on the phone at XXXX XXXX. He stated that he accepted the job at XXXX XXXX  on XX/XX/XXXX and it was cancelled before XXXX XXXX by the bank. Prior to starting the appraisal process we had no issues with the approval process. However, we corrected our loan application around XX/XX/XXXX to update one of the loan applicants race information to XXXX as it was previously noted that all applicants were white. Shortly thereafter we started to notice issues with getting our appraisal done with the bank constantly cancelling the appraisal orders. The bank is refusing to approve the loan without an appraisal even though all applicants have strong credit scores, no missed payments in their financial records, and are putting a 20 % down payment on the house which is a single address ( one household ). We have repeatedly called and emailed the loan officer and rest of the team at the bank requesting updates since we were made aware of the issues with the appraisal on XX/XX/XXXX. Additionally, we received a call on XXXX XXXX from one of the bank processing officers that our loan was on track. We asked about the XX/XX/XXXX appraisal and were told it was still on. However, the sellers realtor had talked to the appraiser and it had already been cancelled before XXXX XXXX. The loan officer at the bank claimed she first heard of the cancellation on XXXX XXXX. We emailed the loan officer on XX/XX/XXXX and she responded that she would have her manager call us with an update from a senior management official at the bank. The manager did not call on XX/XX/XXXX so we emailed the loan officer again. Two minutes later we received a call from someone who handles missed mortgage payments who knew nothing about our loan application and said they did not handle that area. We do not know for sure, but believe that race may have played a part in our difficultly in closing the loan. PNC Bank is stating that our closing date is XX/XX/XXXX. They moved our closing date prior to us even getting an addendum to our purchase agreement, when the loan officer stated that they could meet the XX/XX/XXXX close date. We have consistently told the bank that we will lose the property and that we are in the dark. No one has provided us with answers or a solution to our issue.
Consumer complaint received 2021-11-01
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)

Last year I discovered a false account with XXXXXXXX XXXX and XXXXXXXX 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 XXXX XXXX and XXXX/XXXXdenied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX/XXXX  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 2021-11-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (AZ)

I contacted XXXX XXXX XXXX XXXX in connection with the emergency room fee they assigned for bringing my daughter in. They charged {$1500.00}, for 5 minutes of a consultation with a doctor, who said my daughter 's fever was not an emergency. 

I called and asked for an itemized invoice, trying to understand how 5 minutes with a doctor who essentially told me not to worry, that my daughter was fine, could cost {$1500.00}. The response I received was that that was the flat rate the hospital charges my insurance company. There was no other reason for that amount. 

To charge {$1500.00} for 5 minutes of a doctor 's reassurance is unconscionable. The hospital is unwilling to reduce it.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

Received multiple voicemails from Commenity XXXX XXXX ( re : XXXX  ). Latest one was on XX/XX/2021, XXXX, calling about an account that is not in my name, but in a family member 's name. I do not live with or share any financial responsibilities with said family member.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (GA)

From What I can tell. XXXX XXXX is the origianal creditor. I do not have or never have had a XXXX XXXX Account. 

I disputed a collection account with XXXX XXXX a company that XXXX XXXX Sold my information to and it was promptly removed. Now I have another blemish on my credit from Receivables Performance for the same amount and the Same original creditor. 

This issue is causing me to loose business and causing me to also loose business because of the defamation. 

I want this removed from my credit file immediately or I will sue this company myself.
Consumer complaint received 2021-11-01
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. (PA)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.
Consumer complaint received 2021-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Collectors, Inc. (WI)

DEBT NOT VALIDATED per FAIR DEBT COLLECTORS PRACTICES ACT 15 USC 1692g. Nor was the debt deleted while being investigated per ; 15 USC 1681i ( a ) ( 1.a ) This is a defamation of character and hindering me from living a product life as a consumer of these UNITED STATES XXXX ASSOCIATED COLLECTORS INC is also in violation of 15 USC 1681 ( a ) ( 4 ) " infringed upon a consumers right to privacy ; 15 USC 1681b ( a ) ( 2 ), not having permissible purpose nor written instruction, which is also a violation of my HIPAA RIGHTS and 15 USC 1692f " Unfair Practices ''
Consumer complaint received 2021-11-01
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: TRUIST FINANCIAL CORPORATION (PA)

XX/XX/XXXX XXXX and XXXX XXXX Email : XXXX Call XXXX To whom I may concern, Our name is XXXX and XXXX XXXX We are disputing BB & T bank do to XXXX from XX/XX/XXXX to the present Care Act, Relief, deferment it shouldnt have gone to our credit Bureau As for the governor in Pennsylvania requested . For the past 4 month they have been giving us a hard time. They didnt really help solve our problems. We are about to lose our new home and {$30000.00} we put down payment. We lost time on work and our XXXX to plus our XXXX had to take time off with no pay. If you have any question, please feel free to give us a call. 





Thank you XXXX and XXXX XXXX
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Debt Recovery Solutions, LLC (AZ)

Pursuant to 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I have an account with CITI that was closed around XX/XX/2021. The card was a secured card with {$200.00} deposit that was charged to my bank account. After few months, CITI its reporting my account closed but delinquent, my account its not delinquent because i was using my own money as a deposit. I have called many times to CITI, and keep transferring my call around to other people. I can't resolve this issue with CITI.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

I'VE WRITTEN AND CALLED ALL THREE MAJOR CREDIT BUREAUS ABOUT THE INCORRCT PERSONAL INFORMATION ON MY CREDIT REPORT AND HAVE YET TO RECIEVE ANY REPONSE OR SEE CHANGES
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MT)

My mortgage lender XXXX XXXX and XXXX XXXX XXXX have both tried to attain my credit report from Experian, and are unable to do so. There is no freeze or alert in place to prevent these two firms and the credit vendors to pull my credit. I have contacted Experian customer service and member service to resolve the issue for over 3 week. I am still having problem where my credit report is blocked my Experian. I have been trying to have my credit report pulled since XX/XX/2021. Vendors receive error message, credit report locked due to consumers request, I requested to have all alerts and freezes removed sometime aroundXX/XX/2021.
Consumer complaint received 2021-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have reached out to Specialized Loan Serving on multiple occasions to inquire about settlement options and modification. In all instances, they have refused to work with me. Most recently, I was informed that the loan investor is not accepting any modifications as they are not legally required to do so. My loan is not XXXX XXXX or XXXX XXXX  and they were not able to tell me who the investor was until I requested it in Writing. They did eventually send correspondence notifying me of who the current creditor is ( The Bank of XXXX XXXX  XXXX ). Specialized Loan Servicing previously advised that I reach out to HUD in which I did, however, they only submitted the paperwork for a loan modification which SLS denied again. After denial, HUD recommended reaching out to attorney they referred me to and also suggested contacting CFPB. I have been in my home for 15 years and intend on remaining. I feel that this loan was a product of the predatory lending that took place before the recession and I made payments until my resources were exhausted. I can not keep up with the adjustable rate mortgage and they will not work with me to modify the loan to a reasonable and affordable amount. I am requesting assistance with this matter to fairly resolve the situation.