davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
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. (AZ)

we disputed public record of bankruptcy filed XXXX2009 credit  bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.
Consumer complaint received 2018-01-15
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. (ND)

I do not understand why Experian is refusing to delete a XXXX account on my credit report that does not belong to me. It is reported to have been opened in XXXX XXXX with account number # XXXX. I have called XXXX and XXXX XXXX multiple times and it has been confirmed by their representatives I have never taken an account with them in their records. Experian and XXXX mistakenly started reporting this account a couple of years ago and since then, I have been fighting them tooth and nail to delete this from my report. XXXX recently finally deleted this account once they validated it was not my account but Experian is refusing to acknowledge my complaint and keeps telling me to contact XXXX. I am filing this complaint because I have already done my part in contacting XXXX and Experian is the one who is not doing their job. This is not my account and it needs to be deleted as soon as possible from my report. I am including a copy a recent report which shows how only Experian has this account on my credit. XXXX and XXXX are not reporting this. I am also including a screenshot of the deletion letter from XXXX verifying it is not my account and it was deleted.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (FL)

On XXXX XXXX my Social Security check 0f {$1000.00} was fraudulently transferred from my bank, SUnTrust Bank, XXXX, Florida to a bank they said was " XXXX XXXX XXXX. '' I never gave any permission for this transfer and the bank has not been of any help, in fact the person I talked with on the phone was unresponsive to my need. I am an XXXX  and in a XXXX. It is very difficult for me to get rides and leave my home. I had a - {$140.00} in my account due to an automatic bill payment and a fee of {$37.00} for a bounced check. A family member sent me a loan to prevent further charges. I have to pay back this money. I had no idea of what to do. I started on XXXX XXXX XXXX XXXX shortly after. My Social Worker came on XXXX and did the assessment of my condition and needs. She returned on XXXX/XXXX/XXXX and together we made many phone calls. We talked with a XXXX at F.D.I.C. Consumer Complaints who instructed me to complete this online complaint. Due to not having a computer, my Social Worker is helping me today.
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (FL)

I am getting multiple calls all day from a bill collector. I do not know who they are nor have I received anything in the mail. I asked them not to call me during my work, but they are ignoring. They wanted my credit card info and I refuse to give it to a complete stranger. They call me daily at least 3-5 times.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (PA)

I never did business with XXXX XXXX, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WI)

- XX/XX/XXXX realized that my american express membership rewards balance ( ~XXXX ) has been frozen as I am unable to transfer to travel partners -XX/XX/XXXX contacted amex via chat and was told that my account is being reviewed for the next 6-8 weeks. No additional details or rationale was given as to why or what I needed to do to resolve quicker.
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NJ)

I close account XXXX. They was over charging for just two lines. Time went by. And beyond my abbilities to pay for bill of balance that I left behind. I received a letter from collection agency for that bill. I started making paymenta n on my second to last payment. They said XXXX gave them another bill that Was generated. My response was. That. Can not be true n how can I get two seperate bills for that one account. All of a sudden it was put on my credit report. So i tried to dispute but they supplied them with a bill with extra charges on supply n adjustment on extra charges 5 here n there n extra stuff I have no clue of.. I paid almos 500. That I was said I owed.
Consumer complaint received 2018-10-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I HAVE ASKED XXXX VARIOUS TIMES TO SEND ME THE FALLOWING 1. A copy of a Liability Agreement bearing my signature along with proof of  identification presented at the time of the visit. 
2. Verification the claim was submitted to my insurer within the allotted timely filing period. 
3. The Explanation of Benefits received from my insurer in response to the claim verifying my responsibility for the amount billed. 
4. Documentation verifying the amount owed has been deemed Patient Liability. I trust that you are aware that it is both, unlawful and unethical, to bill me for any amount of money your office is liable for. 
5. Any proof that you may have that it was communicated to me that payment was expected before services were rendered I trust that you are aware you can not report this as a collection unless credit was extended to me. Credit is extended if your office regularly requires payment before rendering services and make patients aware that through receiving care on credit they would later be responsible for the unpaid amount. 
AS PER ( FCRA 623 ). 

HOW EVER THEY SENT A PHOTO COPY OF MY SUPPOSED BILL ANS SERVICES WHICH VIOLATING HIPPA IO DEMAND THAT THEY STOP  COLLECTING BOGUS AMOUNTS AND REMOVE THIS INACCURATE INFORMATION IMMEDIATELY.
Consumer complaint received 2018-01-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

I had been making payments to XXXX XXXX on a XXXX procedure that I was supposed to have completed in 2015 -- they had agreed on a certain amount after billing my insurance. There was a problem w/the XXXX XXXX and XXXX that was to be put into my XXXX, the temporary kept falling out and I never had the final XXXX built or placed into my XXXX because there was a transition in the team and they were n't sure what happened. Someone sent my information to PlusFour Inc., who then placed a debt collection on my account in the amount of {$1900.00}. I reached out to let them know this was inaccurate as I was making payments directly to the XXXX office and that even if they had sent it, it was in the wrong amount because I had already made several payments towards the total. I informed XXXX XXXX and they provided me a phone number -- I have reached out and have not been given a solid answer as to removing and stopping the negative report or any explanation from Plus Four.  Since then I have gone into XXXX XXXX and had to have the XXXX XXXX removed from my XXXX as it became XXXX as they were never able to put in the XXXX I was charged for services never rendered, some partially to my private XXXX  insurance. This has been ongoing since 2015 -- I have, to this date, no XXXX.
Consumer complaint received 2018-01-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TX)

On late XX/XX/XXXX, we asked RoundPoint Mortgage Servicing Corporation to reduce our monthly mortgage payment of {$2300.00} which we considered was extremely high and we were unable to pay. We have a FHA loan for a small townhouse of 1893XX/XX/XXXX sqft. and at that time our interest rate was 3.625. They asked us to fill out a Borrower 's Assistance application to see how they could help us. The application was delivered to the Hardship Department on XX/XX/XXXX per the attached XXXX receipt. The person assigned to our case was XXXX XXXX which throughout the process was extremely rude. Nonetheless, he approved us for an initial trial period plan for a modification agreement ( attached ). I would like to highlight that before we signed the trial agreement, XXXX said that WE ONLY HAD TO PAY WHAT WAS ON THE AGREEMENT, SO 4 PAYMENTS FOR {$1800.00} EACH. Instead RoundPoint kept collecting in the background the original mortgage payment of {$2300.00} WITHOUT TELLING US ANYTHING. We complied with all 4 trial payments which led to the approval of the Modification Agreement ( attached ). It was only after we had signed the Modification Agreement and completed the paperwork that 2 late payments appeared on our credit report, one for 30 days and the other for 60-90 days!!! We complained to RoundPoint asking why they had reported 2 late payments to the credit agencies and they answered that it dated back to the trial period and that because it was a " trial '' agreement and not yet the modification agreement, we still had to pay {$2300.00} monthly. We told them that XXXX had clearly stated that we only had to worry about the trial payments, nothing else! If we asked RoundPoint for help in the first place was because we could n't make payments of {$2300.00}. But instead they lied to us and never told us what they were doing in the background. We have never been late 30 days on any payment! Now we have 2 UNFAIR late payments on our report that will stay there for 7 years!!! They are by far the worst mortgage company out there. You will only read the worst reviews about them in the internet.They are extremely disorganized, unprofessional, dishonest and should be out of business!!!
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I opened a student loan in XXXX 2012 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$5000.00}????
Consumer complaint received 2018-01-14
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. (PA)

I opened a student loan in XXXX 2012 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$5000.00}????
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (AZ)

A couple of months ago I noticed that I had a negative collection item on my credit report in the amount of {$560.00}. I formally disputed this item through XXXX and requested proof of debt in writing to the reporting collection agency. 

After thoroughly reviewing the information today I realize that this was not a valid debt. I immediately contacted Collection Bureau of America ( XXXX ) and spoke to a collector who informed me that this bill was for sparkle its water. I explained to her that I have never had sparkle water and that this was not my debt. I also told her the address that she claims the water was being delivered to was a rental property of mine and was not my personal residence at the time. I made a request for proof of debt and was told essentially there was none. She then proceeded to tell me that proof of debt was not needed for this to be a valid debt and that this negative mark will remain on my personal credit. 

This is a direct violation of the FDCPA and hoping that you can help get this resolved.
Consumer complaint received 2018-01-12
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. (MD)

I have filed NUMEROUS complaints regarding a credit bureaus failure to provide legal documentation AND their method of verification for an account listed on my credit report. 

I have sent 5 certified letters requesting valid verification of an account listed on my credit report. 

TransUnion has repeatedly failed to comply with FCRA 611 ( 15 U.S.C. 1681I ) ( 5 ) ( a ) ( i ). 

TransUnion has repeatedly failed to comply with FCRA 611 ( 15 U.S.C. 1681I ) ( 6 ) ( B ) ( iii ), as I have requested 4 times for their method of verification for a disputed account. 

I have also filed two complaints to this agency regarding actions to of a credit bureau 's failure to comply with federal law, TransUnion now violates FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( a ). By failing to even reinvestigate this disputed account.
Consumer complaint received 2018-10-21
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: EQUIFAX, INC. (TX)

Hello, On XX/XX/XXXX I submitted a request to Equifax to have negative reporting accounts removed from my credit report but the items were not removed. This would not be my first dispute, but the accounts remain on report damaging my score and not allowing me to obtain credit or loans. 

1 ) Bankruptcy 2 ) XXXX XXXX XXXX {$4000.00} COLLECTION LAST REPORTED XX/XX/XXXX 3 ) XXXX XXXX XXXX 60 DAY LATE XX/XX/XXXX 4 ) XXXX XXXX {$880.00} COLLECTION LAST REPORTED XX/XX/XXXX 5 ) XXXX 120 DAY LATES XX/XX/XXXX 6 ) XXXX XXXX {$2600.00} CHARGE OFF LAST REPORTED XX/XX/XXXX 7 ) XXXX XXXX {$770.00} PAST DUE 120 DAYS LATE LAST REPORTED XXXX 9 ) XXXX XXXX {$120.00} PAST DUE** 9 ) XXXXXXXX XXXX {$560.00} PAST DUE** 10 ) {$240.00} XX/XX/XXXX ( 2 mos ) XXXX XXXX Current Payment Status 11 ) XXXX XXXX XXXX 30-59 Days Late
Consumer complaint received 2024-10-28
Product: Credit 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 (CA)

I went on vacation to XXXX XXXX. I went to a restaurant on XX/XX/year> and the meal I paid for was XXXX XXXX. I have the hand written receipt and the printed receipt from when the card was swiped. When I looked at my banking app I noticed a charge for {$2000.00} usd. Initially, I did not recognize this charge, because I never swiped my card for {$2000.00}. I immediately made a report to Bank of America. They said they would resolve this for me. When I returned back home to California, I received a letter saying that I was responsible for this charge, even though I had notified them of this erroneous charge. I filed another case with Bank of America, and provided all the documentation and receipts that are proof that the charge is incorrect, including social proof where this restaurant has swindled customers. Bank of America sent me a letter saying that I did not provide the receipts and that I still owe them {$2000.00}, even though I indeed sent them the written receipt and the printed receipt. Bank of America should be protecting it's clients and not assisting this criminal establishment. 

The printed receipt is faded as the ink to the receipt is not fade resistant, but you can still make out the amount that was swiped. In addition, I have the hand written receipt accompanying the printed receipt as well as the digital receipt via the qr code.
Consumer complaint received 2018-01-15
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: EQUIFAX, INC. (MA)

After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the reporting agency and requested removal of accounts but I was denied. I stated that I am a victim of identity fraud but they still would not remove the inquiries. Here is a list of several inquiries that were not authorized by me : 1. XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The amounts reported for these accounts are incorrect due to the non-reporting of payment for the debts and lack of disclosure. If these debts were purchased, then some payment must have been made, leading to the reported incorrect amounts. Unfortunately, my credit report does not include the account numbers, but this lack of accurate information constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
I request that you investigate this matter and delete these accounts from my credit report immediately, as they do not accurately represent my credit history.
Consumer complaint received 2018-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX/ XXXX XXXX XXXX . Account- XXXX. They are reporting that I owe {$10000.00} since XX/XX/2016. They are reporting false information on my credit report to all 3 major bureaus including 3rd party credit reports. They are harassing me and ruining my credit with false and inaccurate information. Please CFPB, help do a thorough investigation with these people. Its really overwhelming when they are trying to steal money from good people. The 3 major bureaus are not doing a thorough investigation which they are illegally  sending out false information back to me. Please have them remove this item away into their pockets. Thank you
Consumer complaint received 2018-11-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX is currently reporting and added a collection to my credit file without giving me a 30 day right to dispute notice. I have already filed a complaint with them, where they ADMITTINGLY state that the notice was sent to the INCORRECT address, where it NEVER reached me. I did NOT know about this debt until I checked my credit file, and I paid it as soon as I found out. They added this debt in clear VIOLATION of my 30 day right to dispute