davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
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. (IN)

TransUnion will not provide me their method of investigation regarding an inaccurate bankruptcy XXXX on my credit report. Transunion rep XXXX XXXX stationed in XXXX continue to state to me that the vendor that reported the information has certified to Transunion that information is accurate. This is the response i was given on XX/XX/2018 when i contacted Transunion for support documents and contact/address information regarding validation of dispute as Transunion states under CFPB complaint # XXXX that they mailed a letter to the court house themselves and the court house, not a third party vendor provided verification of bankruptcy. This is contradicting as XXXX XXXX stated to me that a third party vendor verified accurately. I asked for method of verification once again and was told that Transunion does not provide this information. I asked again for supporting documents verifying information and once again was told there was none and would not provide me with third party information.Under federal law, any innacurrate or incomplete information must be deleted. I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have as they have not received a letter and if they did they would respond that they do not provide information to CRAs. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court is. Furthermore, Transunion continues to refuse me the third party information that they used to verify information on my report. I want this bankruptcy deleted as soon as possible. As the consumer I am entitled, under FCRA 611 ( a ) ( 7 ) to a description of the procedure used by the CRA, which must include the name, address, and phone number of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2018-03-19
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. (NJ)

On XX/XX/XXXX I received a Trans Union Report stating that the disputed XXXX account was verified, paid late collections. It states on the Trans Union report that I paid on XX/XX/XXXX, and debt is closed. 
This is inaccurate information STILL being reported on my credit report and needs to be taken out immediately. 
I am requesting TransUnion to show me the bank paid check or any payment with my name and account number that i made such payment. To date, Trans Union has NOT provided any proof. 
I can provide my bank statement to show proof that I DID NOT MAKE ANY PAYMENTS ON XX/XX/XXXX. I can provide proof for the XX/XX/XXXX Calendar year I made no payments to XXXX. This information is all being made up by TranUnion and or Creditor XXXX. As being disputed multiple times before, I made all my payments on time and account closed. There should be no negative XXXX items reported at all. 
Let me know where you want me to send my proof. My Point is, TransUnion IS NOT Checking or verifying anything with my report and this XXXX account. I have been hurt in scores and unable to purchase a home because of so many errors found on my credit report.
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TX)

I noticed on my credit report that I had a collection added from the company NATIONWIDE RECOVERY SYS. I have never heard of this company nor has this company reached out to me or sent me any type of notification as to who they are or whom they represent. From further research I also noticed that the original company came from XXXX XXXX which made me even more confused considering I send them money every month and have yet to receive any type of updated bill or receipts in regards to the alleged amount owed.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In a Consumer Credit Report from Equifax dated XX/XX/XXXX is shown the following : 1. XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. The XXXX XXXX XXXX XXXX obtained a consumer report about me on XX/XX/XXXX I have no account with any of the inquirers, I did not authorize any of the inquiries, I have a permanent security freeze in place on my file, and have opted out of promotional lists since XX/XX/XXXX. Also, there should be a permanent fraud alert on my file.
Consumer complaint received 2018-03-19
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: ENCORE CAPITAL GROUP INC. (PA)

XXXX XXXX XXXX calls repeatedly on my work telephone line from various numbers starting last week ( XX/XX/2018 ). They threaten that an attorney in my area is looking at my file and take legal action. However, the debt they claim never existed and has never been on my credit report. They harass me at work multiple times a day, on a business line, even though I have told them the debt is false and is not on my credit report.
Consumer complaint received 2018-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

During the past 2 years I have applied for one and only one credit card with XXXX XXXX. Despite disputing the other unauthorized inquiries they remain on my report. The unauthorized inquiries include XXXX XXXX XXXX dated XX/XX/XXXX. XXXX CA dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XXXX auto dated XX/XX/XXXX. I never authorized the latter 4 inquiries at any time. The most offensive to me is XXXX XXXX XXXX whose offer I declined yet a hard inquiry survives their declined sales pitch. Also XXXX XXXX who I investigated and discovered is a Maryland based Car dealer. I live in Florida and have ever had a car loan in my life nor inquired about one ever .If my SS # was ever used to buy a car in Md. that is identity theft, never, mind their location in Maryland. XXXX Assured me they would remove this, but never have. I have not even been in the state of Maryland in over 5 years and certainly never car shopped there.
Consumer complaint received 2018-04-20
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. (OH)

On XX/XX/XXXX an account with XXXX XXXX was opened and closed XX/XX/XXXX I talked to several reps a XXXX and XXXX told me it was my account I asked how was it mine and the phone number that was attached to the file wasnt mine! Which was XXXX my number is XXXX Ive submitted a police report with Equifax and they still will not remove the file from my credit report! XXXX and XXXX took the item off.
Consumer complaint received 2018-03-19
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (CO)

Reverse Mortgage Solutions ( RMS ), XXXX TX/XXXX   NC Re : Hail damaged roof ( Colorado ) My reverse mortgage is handled by RMS. My homeowners insurance paid immediately for the replacement of my hail damaged roof. However, RMS cashed and withheld the insurance funds for 2 1/2 months and required a boatload of documentation, making it impossible for me to pay my roofers upon completion for the roof replacement, which was completed promptly in XX/XX/XXXX. I didn't receive final reimbursement for my insurance payout monies from RMS until XX/XX/XXXX, at which time RMS deducted {$170.00} from my insurance payout to cover their own inspection charge. My roof had already been inspected and approved by the City, but RMS would not release my already paid insurance funds until they double dipped me {$170.00} for their own inspection. 

When looking online, I was horrified to find many senior citizens have been delayed or denied reimbursement from RMS for their homeowner damages. I don't understand how this can be legal for a reverse mortgage company to cash and withhold legitimate insurance company payouts on senior citizens ' homes.
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (VA)

I opened this credit card with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I used and then paid off the entire card and closed it within a year of opening it. In XX/XX/XXXX I requested the account be closed as it had been paid in full. The customer service individual who I spoke to assured me that the account was closed. I then found out there there had been a running balance since XX/XX/XXXX of {$1.00} that the interest builds up to. Again, this account in all intensive purposes was closed in XX/XX/XXXX yet I was still continuiously charged untill XX/XX/XXXX. The account is paid. The account is closed but because they never closed the account in XX/XX/XXXX upon request there is a slow payback report on my credit report which is negatively impacting me.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I will never have a home mortgage with this bunch of crooks ever again. They screwed up my loan in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

I pay my mortgage every two weeks and when I paid on XX/XX/XXXX for some odd reason Wells Fargo applied all but {$.00} to principal and {$.00} went to interest. The auto draft occurred mid XX/XX/XXXX and for some odd reason it turned off and didnt draft on XX/XX/XXXX as it should have. I received a call from collections on XX/XX/XXXX wanting to know why I havent paid my mortgage.

It took these financial geniuses from the end of XX/XX/XXXX until the end of XX/XX/XXXX to realize they made a mistake. I was also charged late fees. I once again call XXXX XXXX. In the presidents officelast Thursday and all I hear is that an investigation will be opened. And It will be resolved in 24-48 hours. Guess what? Tuesday XX/XX/XXXX comes around no response.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RMS-Recovery Management Services, Inc. (OH)

I get a call from XXXX all the time. If I answer, theres nobody there. If I dont answer, they dont leave a message. I did find out its from some company called RMS. Some debt collector  I guess. Ive been in chapter XXXX for a couple years now. Id love to get them in hot water! Theyre not allowed to try and collect any debt from me!
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (VA)

In XXXX I attended two courses at XXXX XXXX University. XXXX XXXX XXXX was supposed to take care of the payment for the two courses which totalled {$1500.00}. They did not due to a time difference for the approval. The payment fell to me. I was unware of the debit. In XX/XX/XXXX my credit was run and a debit in the total of {$1500.00}. Penn Credit held the debit and did not inform me of the debit. I reached out to them to figure out the situation. Again, they never once reached out to inform me of the debit. I then tried to ask them to remove the debit from my credit score due to there innability to follow the FCRA guidelines to inform me of the debit. They refused and quoted only medical debits can be removed. I have paid the debit in full and am trying to now remove it from my credit history because of two different institutions ability to inform me of the debit before it had gotten to a collections point.
Consumer complaint received 2018-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (FL)

The car was in the hand of my ex husband possession and he was the responsible to make payments and kept the car after we separated, I didnt know he was late until the bank started calling me and trying to collect the money from me, I explain the bank I didnt have the car and I knew my name was in the loan but it wasnt fair for me to pay something that I dont have and I wasnt driving. So the bank repo the car from my ex house, so I paid all the repo fees and the late payments he didnt paid. I will take over this account and Ill be the responsible to the loan from now on because I have the car under my possession. If do you need probe all the fees I paid Im willing to forward that to you.
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/2018, I contacted the creditor and informed them that the debt did not belong to me as I was not the recipient of services, nor my child, and both my child and I were medicaid recipients during the alleged date of service. Furthermore, the address that they had on file has never been my addressed and it is where they sent all previous notifications to. 

On XX/XX/18, I sent a letter to the Creditor requesting for verification and validation that the debt belonged to me, including any documentation that they have the proves that I am contractually responsible for the debt and a document bearing my name and signature. I also requested documentation evidencing that the debt was acquired by them and/or assigned to them. Additionally, since it was a medical related debt, it is customary for identification to be obtained at the time of service as well as consents to treatment. I requested them to provide such information as proof of the debt belonging to me or my child. 

On or around XX/XX/2018, the Creditor sent me a copy of a bill, with nothing more to evidence that the debt legally and contractually belonged to me, nor evidence of the assignment of debt. 

The amount of the debt is {$960.00} and the name of the person who received services is not me. 

I also reported this item to the XXXX credit bureau and they reported it as verified as accurate, however a bill is not proof of verification of a debt.
Consumer complaint received 2018-03-19
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: JPMORGAN CHASE & CO. (NY)

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and XXXX
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/2018, I had received a fraud notice from Citi bank to inform me that there was fraud charge to my Citi/AAdvantage Platinum Select World Elite Mastercard account in amount of {$620.00} at XXXX XXXX # XXXX. Since I didn't recognize this charge, I immediately called Citi bank to dispute this charge and close out the credit card and Citi bank subsequently issued me a new card. Upon review of the detail charges to my Citi/AAdvantage Platinum Select World Elite Mastercard account once the new credit card was issued, I noticed that the fraudulent transactions of {$620.00} at XXXX XXXX # XXXX were charged to my current account three time on XX/XX/2018, XX/XX/2018, and XX/XX/2018 respectively ( in total of {$1800.00} ) and Citi bank didn't properly apply the credit against these charges. I immediately called Citi bank again to request a dispute and credits for all three charges ; however, they were not able to issued me a credit for the {$620.00} charges on XX/XX/XXXX and XX/XX/XXXX and told me these charges are still under investigation. I kept calling them every week to inquire the status of these charges and I have been checking on the status of these fraudulent charges closely throughout the month of XX/XX/XXXX. On XX/XX/2018, I looked at my account detail again and noticed that the credit Citi bank issued to me to offset the fraudulent charges on XX/XX/2018 was reversed on XX/XX/2018 and they further issued an electronic notice to inform me that the three aforementioned disputed fraudulent charges were valid!! This situation is getting so ridiculous and unbelievable because first, they didn't contact me directly explain to me why they concluded these charges were valid ; second, I didn't see any support that show my signature or any form of authorization to prove these transitions were valid ; and third, their process was completely inefficient and not did they exercise due diligence in this process.

I am a victim of these fraudulent charges and it looks like to me that the Citi Bank didn't take any action against the wrongful charges and would like me to bear the liability and pay for them!!
Consumer complaint received 2018-07-04
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. (MS)

I made a phone call to Citi Bank ( CBNA ) which is shown on my credit report. It is on there because of a XXXXXXXX XXXX XXXXXXXX Card. The card was paid off in XX/XX/XXXX, I have proof of the card having a XXXX   balance. I am trying to get a home mortgage. Due to them having this on my credit report I need a letter from them. I spoke with 5 individuals one being an account manager who all hung up the phone in my face. When I finally spoke with the 6th person I wad told that I could not get a letter regarding the false information they reported on my credit report. These phone calls happened on the morning of XX/XX/XXXX.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (KS)

At approximately XXXXXXXX XXXX on XX/XX/2018, I received an email from Amex Serve indicating that my card was " in a negative balance. '' I immediately checked online, and discovered that my card had been charged {$790.00} by " American Express Stores. '' Upon calling the customer service number, I was informed that " the system '' had experienced a 'glitch, '' that my account was " fine, '' and they were " working on the problem. '' It is now Wednesday, and despite numerous calls to customer service ( and being placed on hold for an average of 1 1/2 hours each time ), my account is still in a negative balance. I spoke with someone named XXXX from the Fraud Department at approximately XXXXXXXX XXXX EDT on XX/XX/XXXX. " XXXX '' admitted that the problem was at their end, that I had done nothing wrong, and the problem " should be fixed by lunchtime. '' Well, here I am, still with a cleaned out account, and when I call AMEX I get a recording advising that they " are experiencing unusually high call volume, please call again later. '' I just called again, and after giving the representative my identifying information, she claimed she couldn't hear me, and disconnected the call. Now I am on hold again, after the previous hour 's wait. This is inexcusable on several levels ; first, that the " glitch '' happened in the first place, second, that there appears to be no remedy, and third, the inept customer service.
Consumer complaint received 2018-07-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

There is a lost of income since XX/XX/2017 ; I communicated this to ocwens as well submitted filed separation agreement. Every single reply from Ocwen is a denial letter with the same wording. 
I ask several time for a note of transferred lender from XXXX to XXXX XXXXXXXX, the sent me documents that has nothing to do with the document requested. 
Requested to verify who is the mortgage lender of my house-no document. 
Let Ocwen know of the intention and XXXX to keep my house, but they keep sending me a balance to restore my mortgage ( right now XXXX which includes legal fees ). I am willing to work something to keep my house. 
I has ask for them to reply my email or to call me- there is no reply. 

I am in a really great need of any help!!!!
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NC)

XXXX XXXX has falsely indicated that I owe a balance of {$2000.00} in which the account was paid in full by XXXX XXXX, federal student loan company on my behalf. I have made several attempts to take care of this inaccuracy to be told by XXXX, the account has been verified. I have not received a verification letter to confirm the amount they are reporting to the credit bureaus is accurate.