davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
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. (IL)

PREVIOUS COMPLAINT NUMBER -XXXX On XX/XX/XXXX I notified Transunion , XXXX , and XXXX via Affidavit that multiple accounts on my report are fraudulent. I then contacted each reporting agency via phone on XX/XX/XXXX to follow up on the status of the investigation. Transunion nor XXXX provide me any verification of the investigation that was conducted. But all accounts still remain on the report. I placed a call on XX/XX/XXXX to Transunion in which I recorded a new dispute in which no validation or verification was provided for. I allowed them thirty days to respond with that validation as well as to the alleged creditors. On XX/XX/XXXX I filed a UCC -11 debtor form in the State of Illinois in which it reflected that no claims/liens filed on my name in which those alleged account were in reference to. On XX/XX/XXXX All Credit Reporting Agencies were notified via Affidavit and Ucc11 certified debtors search to reflect the exact information being displayed from the certified search which is NOTHING ON FILE. I HAVE ALLOWED OVER 90 DAYS FOR THIS MATTER TO BE RESOLVES AND ITEMS TO BE REMOVED FROM THE REPORT. AS OF XX/XX/XXXX THOSE ITEMS ARE STILL LISTED ON THE REPORT, DAMAGING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MN)

I have a personal loan through Discover Card. No early pay off fees, no penalties. 
My payments are due on the XXXX or XXXX of each month but i can go in and change the dates as i see fit. I '' m current and never missed a payment so i have this opportunity. 

On XX/XX/XXXX, i went in and said to make my payment of {$650.00} per month on that date. I received an confirmation for this and said that funds would be withdrawn on that date. Today is XX/XX/18 and they were JUST removed from my account. 

XX/XX/2018 {$650.00} XXXX XXXX XXXX Pending This is the 3rd time this has happened and they 'say ' that it was corrected the first two times. However, when i brought it to their attention this time, no change. So i am paying interest from XXXX instead of XXXX. This might not seem like a big deal but my loan is at 19 % interest and it's for XXXX. PLUS, it's not right that they don't process the payments on time and when requested!
Consumer complaint received 2018-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NIC, Inc. (AZ)

I had an ingrown toe nail removed and was under the impression I could pay {$50.00} on XX/XX/2015. I was told to pay with check they did not take debit card. I received a receipt for the balanced paid from 3 years ago. Now it is reflecting with XXXXXXXX XXXX XXXX   for {$260.00} when I did pay the balance. I just want this resolved.
Consumer complaint received 2018-11-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (GA)

I received a call from the debt collector XXXX XXXX That I owed a hospital a total debt of {$1400.00}. The woman on the phone told me that if I settled today they would only make me pay half of it, {$730.00}, and that there was a letter in the mail with the same balance owed cut in half as well so I might as well pay today if I can. I decided to pay at that moment on the phone using my credit card. Now, about a week later I have received the letter in the mail, stating a SMALLER, DIFFERENT amount owed to them of only {$430.00}. That is a huge difference of {$290.00}. I spoke with the company today and they said the account had been moved back over the hospital. I spoke with the hospital and they said nothing has been sent over to them yet.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a new Bank of America checking account under a new account promotion of {$300.00} for meeting certain requirements. I met those requirement, and Bank of America acknowledges that, yet paid out {$220.00} instead of the {$300.00}  promised. I made several calls to the bank and they state they took out taxes from my bonus. I spoke with several representatives and asked for the remaining amount of my promised bonus as per their advertised terms and was denied. 

I also received a letter dated XX/XX/18 stating I had qualified for the bonus payout and that {$300.00} was deposited on XX/XX/18, which contradicts what they did which was deposit {$220.00} on XX/XX/18. 

The bonus terms which are clear as to any taxes due on the bonus being my responsibility, states the following : " If you meet all the requirements for the {$300.00} Checking Account bonus, the earned bonus will be deposited directly into your new checking account within sixty ( 60 ) days of meeting the qualifications. Your new personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. 

All bank account bonuses are treated as income/interest, and as such you have to pay taxes on them. You will be issued a XXXX at the start of next year. '' Lastly, I am not subject to tax withholdings and indicated so on my application ( in case that has anything to do with this issue ).
Consumer complaint received 2018-04-07
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. (OK)

XXXX XXXX is reporting incorrect information such as terms, amounts, balance, origainal balance to transunion.

i have asked to send contract that bears my signature no response.

they have been asked to verify no response but keep increasing there balance on loan monthly and when challenged.

Transunion also has fail to verify information and provide such information to me on several attemps to resolve this XXXX, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Consumer complaint received 2018-11-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sunset Management, Inc (GA)

The company is sunset Finance company located in XXXX Georgia a lady named XXXX that works there has repeatedly called my job I work on the XXXX installation and I have let them know that I can not receive personal calls on that line they've called my manager several times after I've asked them not to. My manager will give a statement supporting This complaint. I fell behind in my payments I offered to make a small payment she refused to accept anything less then what was Their minimum payment. So this morning XX/XX/2018 at XXXX XXXXXXXX a sunset finance Employee by the name of XXXX XXXX my doorbell unaware that my doorbell was recording because I have the ring security system he Came to demand payment at my residents I live in a gated community he went to the rental office Falsely identified his self in order to Gain access through the gate. He had no court order he had no officer with him And the recording shows me speaking with XXXX on the phone with XXXX there and her refusing payment also refusing payment over the phone due to the amount she feels as though i should have to give. other what i can actually afford. I am a single mother this company had absolutely no right to send some strange man to my house regardless Of the Debt I owe to this company The conversation in the hallway Lead to my privacy being violated this company should not be allowed to do this to people It was a personal loan he is not a repo man there is nothing for him to repossess any collateral I may have put down on that paper for the loan would have to come with the court order in which he did not possess. And I will be taking a restraining order out on XXXX and sunset finance company. If a company refuses any payment on a debt Then I no longer owe a debt. i was late for work and to be honest now days with things the way they are strange men should not be popping up unannounced at anyone 's home. This to is a problem.
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (CO)

Hunter Warfield damaged my credit by reporting a collections account related to an eviction that had nothing to do with me. I was never financially obligated to the apartment complex, XXXX XXXX, and had never signed lease documentation as anything other than a roommate. XXXX XXXX XXXX was solely financially responsible and he was evicted for failure to pay. Hunter Warfield has an obligation to possess and verify copies of signatures on lease documentation to ensure they are taking action against parties who are in fact liable for debt. They failed to do so and damaged my credit. I found out about this while applying for a mortgage. My credit score caused the interest rate offered to me to be significantly higher, thus costing me much more over the duration of the loan. This has been tremendously distressing and although actions are being taken to correct this information on my credit file, I am incurring additional expenses for transitional housing, a delay in closing, and the stress of having to start a new loan once this is resolved. This ha effectively displaced me. Hunter Warfield failed to do their due diligence and I have suffered multiple harms as a result. At this time I am awaiting for them to furnish me with copies of all paperwork they have on file from XXXX XXXX.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MS)

LEXIS NEXIS continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and Lexis Nexis responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. Lexis Nexis has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.
Consumer complaint received 2018-11-08
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)

I reported to Equifax, 0n XX/XX/XXXX, that my identity was stolen about 4 years ago and that the thief opened opened numerous credit cards in my name and sought medical attention at a hospital that was currently reported on my credit file. The medical company reported on my credit is named XXXX XXXX XXXX. Equifax refused to thoroughly investigate. I did not open these accounts, I did not authorize these accounts, and I do not have no knowledge of these accounts. This has also been reported to FTC Identity Theft. I explained to Equifax that the accounts do not belong to me and I submitted a dispute. Equifax did not provide a thorough investigation into the reported fraudulent activity, but instead, returned a " completed '' investigation in 2 days, stating that the information was verified. Not sure how Equifax report that my information was verified when the addresses used and reported on my credit report are incorrect and the name is misspelled and incorrect. Equifax could not have received proper and correct information on from any of those accounts I reported to them. My credit file was also used in a breach of Equifax 's negligence to protect my identity. Equifax also did not report to the other agencies that my identity had been stolen. The name that the thief used to open the accounts are incorrect and misspelled. They used names as XXXX XXXX, XXXX, and others, which is not my name. My name is XXXX XXXX. They also used addresses in Arizona where I have never lived. I was born and live in XXXX XXXX. The credits opened are XXXX XXXX with a balance of {$6700.00}, XXXX XXXX   XXXX XXXX with a balance of {$3100.00}, XXXX/XXXX XXXX that had a balance of {$2400.00} ; XXXX XXXX XXXX that had a credit limit of {$250.00} ; and a XXXX XXXX that had a credit limit of {$600.00}. All of these were opened between XX/XX/XXXX and XX/XX/XXXX when I was a XXXX XXXX. Also, there are hard inquiries listed from XXXX XXXX, XXXX, and XXXX XXXX  which I did not authorize and have no knowledge of. I would like for Equifax to remove the accounts from credit file, as they do not belong to me and I did not open these accounts. My identity was stolen.
Consumer complaint received 2018-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

For loan number # XXXX, I am requesting assistance with issues arising from my mortgage company. Issues began, XX/XX/2018, a payment option was offered to make bi-monthly payments to split my mortgage in half to assist to my financial situation at the time. As such, my mortgage payment was split from {$1600.00} to {$820.00} bi-monthly on the XX/XX/XXXX and XX/XX/XXXX, as agreed with the agent and my pay check schedule. However, in XX/XX/2018, a payment of {$3200.00} was paid in full to start the process of bi-monthly payments. Unfortunately, when XX/XX/XXXX came around my bank account and mortgage account numbers don't match and are different from what you have on file. At this time, I am requesting that someone please assist me with this issue. 

As of XX/XX/2018, I contacted Freedom Mortgage for assistance but this has been to no avail. 

I am in foreclosure and in default at this time and concerned that I will become homeless because funds have been inappropriately applied and I have received no assistance from the mortgage company to help me resolve this issue.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (MO)

Today XX/XX/XXXX a debt collector agency contacted my family members and told them for which company they worked, and how much was owed on my account. I am unsure all the details but they called my family in looking for me with a number I was given XXXX which said they were American Express and the amount they stated was actually above the balance owed.
Consumer complaint received 2018-11-08
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. (FL)

On XX/XX/2018, there was a hard inquiry made on my Equifax Credit Report from an unknown company, XXXX/XXXX. This company had no authorization to access my credit report and by doing so negatively effected my credit score. I contacted Equifax and spoke to customer service rep XXXX. XXXX informed me that I could not dispute the fraudulent hard inquiry because it was a " factual record. '' I was also informed by XXXX that I must contact the company, but Equifax could not give me a contact number. XXXX/XXXX fraudulantly accessed my credit report and I am unable to contact them by phone, the reason for this complaint.
Consumer complaint received 2018-07-31
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. (NJ)

I settled an account in full with XXXX XXXX XXXX on XX/XX/2018 for the amount of {$5100.00}. 

XXXX XXXX still reports a balance of XXXX, as well as a late payment when it should be reported as XXXX balance. 

I have brought this information to XXXX XXXX on XX/XX/18 and XX/XX/18 and they will not correct it. 

I have recordings of making the payment stating that it is payment for settlement in FULL, as well as supporting documents. 

When I brought the issue to Transunion they called XXXX XXXX, and took the information provided from XXXX XXXX because they said so and disregarded any supporting documents that I had sent over. This was on XX/XX/18. 

I gave XXXX XXXX the original 30 days allotted for dispute through transunion, at the end of the 30 days they still reported false information. 

I am currently going through the mortgage underwriting process and this information immediately dropped my credit score XXXX points putting my mortgage approval in jeopardy. 

I will upload any documents I have. I can also provide the recorded conversation with XXXX XXXX XXXX XXXX co, clearly stating that the payment was for SETTLEMENT IN FULL.
Consumer complaint received 2018-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cadillac Accounts Receivable Management (KS)

XX/XX/2013 a Collection account was placed on my credit file. Amount {$240.00}. 

There has been no notification of this debt. I have mailed this collection agency twice with no response.
Consumer complaint received 2018-11-08
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: Radius Global Solutions LLC (NC)

XXXX XXXXXXXX XXXX is reporting what appears to be a medical debt on my credit report which I have NO knowledge of. I am fully insured with medical insurance which pays 100 % of all of my medical needs. This listing gives a date opened of XX/XX/2018. Again, I am NOT aware of this debt as being mine and I have disputed it with XXXX  but just got the dispute results back saying it has been updated. The original creditor was XXXX XXXX. I do NOT recall having any medical service done that would generate a bill such as this. Otherwise, according to a new credit reporting law, a listing such as this one is NOT supposed to be added to a credit report until AFTER 180 days giving the insurance company time to pay this. XXXX will NOT remove this.
Consumer complaint received 2018-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

Tuition Answer Loan # XXXX Tuition Answer Loan # XXXX I have two student loans, originally from Sallie Mae, now Navient. They refuse to release my co-signer after multiple attempts on my part to do what they said is required for that. Initially they told me that my loans could not have any payments that were later than 30 days for a two year period. Having done that, I asked for my co-signer to be released. They then told me that was wrong information and that the payments couldn't be later than 14 days late in a two year period. I went another two years with no payments being later than 14 days and was then told that they still would not release my co-signer. They blamed it on my credit, however would not give me a credit score or any info as to what constitutes " good '' enough credit. When I initially got the loans and he co-signed, they made it sound like it was an easy process to release the co-signer. They actually have no interest in ever releasing him. My son is my co-signer and it is preventing him from purchasing a home because of the debt-to-income ratio my loan is causing. 
This is not the only problem I have had with them. The interest rate on my loans has jumped up to 11.5 % after I consolidated, and that wasn't made clear. They also didn't tell me my options at different times about repayment plans and got me into forebearance instead which added tons to my loan. But, I am not contesting these issue at this time, I just need to have my son removed as co-signer on these loans. 
XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services (LA)

I have requested that Ed Financial Services fix the false information on my credit report, as well as a Third Party Company representing me. They've reported that I was 120+ late on student loan payments that have been in deferment status. I have consistently completed deferment paperwork every time I was eligible. There are 5 negative items on my credit report that are false and need to be removed immediately.
Consumer complaint received 2018-07-30
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. (FL)

A XXXX XXXX account is being reported on my credit file on both XXXX and TransUnion reports and XXXX has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that XXXX  is using to validate my information as reported by XXXX. 

I've disputed it with XXXX, TransUnion and XXXX, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by XXXX stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, XXXX, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.