davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

Notified XXXX XX/XX/XXXX, and sent another dispute in XX/XX/XXXX of a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( lexis-nexis ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM Lexis-Nexis. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (TN)

I 've written a formal complaint about a debt to XXXX university that was to be waived. Ability Recovery never contacted me after my dispute yet filed a collection on my credit bureau. Check my credit, I have XXXX collection accounts. I 'm buying a new house and they were destroying my credit score over a debt I formally disputed, in writing, as they instructed me to do when I called. They would ONLY accept a mailed letter and refused a fax our email. This is unacceptable.
Consumer complaint received 2017-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STERLING JEWELERS, INC. (AZ)

In XXXX 2016 I had a child and fell behind on bills due to not working and only receiving 50 % of my regular income Kay Jewelers called me every single day and kept telling me that they were going to continue to call me and I kept telling that I do n't have the funds to pay and I would have to pay my rent in order to keep having a shelter for myself and my family they continue to call me I asked him to stop calling me they then pursued my mother my sister and told them that to contact me by that time my whole family knew that I had a debt I was truly embarrassed and could n't believe that they would continue to call me after I had already spoken to I believe two supervisors in two different agents I did set up payments with them only because I was so embarrassed and had no idea that this website existed I 'm only reaching out because if there 's other people that are going through the same exact thing our voice needs to be heard we should not be harassed if they understand that there 's a situation going on they should wait or put at least a cease-and-desist like I had originally asked them and they continuously told me that nobody noted that that is not my fault someone needs to be coached on how to deescalate a situation or find a resolution at the first call and not have to continuously call the person and know how to put a hold date on that person 's account before contacting them again
Consumer complaint received 2017-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX and in XX/XX/XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX  filed a 1099-C notice with the IRS in XXXX declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XXXX tax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit.
<P/>
XXXX XXXX has refused to correct/
Consumer complaint received 2017-07-18
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. (IL)

Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  XXXX   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?
Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.
Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally  XXXX , unfamiliar with handling their own finances.
Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.
FCRA requires that all Credit Reporting Agencies are supposed to verify received from creditors before this information is added to your credit file.
Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.
The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!
Consumer complaint received 2017-07-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gross Polowy LLC (NY)

Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from Gross Polowy LLC Attorney XXXX XXXX, XXXX, on behalf of XXXX XXXX and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sent XX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.
Consumer complaint received 2017-07-21
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: CITIBANK, N.A. (HI)

To whom it may concern, I recently received a copy of my XXXX credit report. The credit report showed a double hard credit inquiry by your company on the same day that I do not recall authorizing. I actually asked the person in charge at the office if it would affect my credit since I didnt need that credit card with your bank or the increase of limit, which I was told that it wouldnt. I understand that they should n't be allowed to put a hard inquiry on my file unless I have authorized it. Thanking you in advance,
Consumer complaint received 2017-07-18
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. (AL)

So I pulled my  Credit and Saw  many things that I was completely unaware of. I tried submitting  one  massive complaint but now I will submit a complaint about each error on my report. I have medical bills on my report in which I did not obtain. Had n't been to a hospital and have no idea how my information was used. I have no knowledge of this debt. Please help because no one can give me any answers as to how it got on my report. When contacted I told Customer Reps that I 've never been to  XXXX   XXXX  and they insist that I pay a debt that is n't mine.
Consumer complaint received 2017-07-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have previously filed a complaint against the lender ( XXXX ). The lender took 2 months time to respond. My wife 's chapter XXXX bankruptcy petition has been approved as of XXXX of this month. Nevertheless, Carrington Mortgage ForeClosure Prevention Office in XXXX, TX is sending mails to us and threatening of foreclosure. The property currently have an automatic stay order and an exempt property under Federal Bankruptcy Law ( Chapter XXXX Bankruptcy Case # XXXX ) The lender has not moved the foreclosure auction sale notice from the XXXX District Clerk 's office either, which is causing harassment by number of buyers around the home everyday. Please help us against this illegal foreclosure procedure. The local division of the lender 's office information is below : ForeClosure Prevention Office :XXXX Ref # XXXX Loan # XXXX Sincerely, XXXX XXXX P : XXXX
Consumer complaint received 2017-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have previously disputed incorrect information being reported on my credit report by Transunion. This company has yet to correct the errors on my credit report. They are continuing to report an address on my credit file that does not belong to me. I have sent numerous copies of my ID and utility. All the creditors listed on my credit report have my address where I reside.I have no open accounts with the XXXX XXXX XXXX XXXX Every time I call in to dispute this address, I am told by the representative that its being removed and my credit report will be updated. I have updated reports where this has been done but then its added again. I have even went as far as speaking to a US Special Handling Rep/Supervisor about this in which they processed my request. Secondly, Tranunion is continuing to report false information by categorizing three of my accounts as ADVERSE on my credit report.These accounts are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have talked with XXXX XXXX on numerous occassions and they have reached out to Transunion to let them know the accounts needed to be updated to current. I have two of the three letters that were sent to me by XXXX letting me know they have contacted the credit bureaus to update the information.As you will see on the dates of the letters these accounts were supposed to be changed to a CURRENT status and the deragatory information removed.This was done in an updated copy of a report I received from Transunion but then they changed the status again and NEVER notified me within the 5 day period. This is a clear violation of the FCRA! Thirdly, I have been disputing three unauthorized inquiries : XXXX XXXX X/XX/2016, XXXX XXXX X/X/2016 and XXXX XX/X/2016. I have had numerous fraud alerts placed on my credit report within the last year and currently because of unauthorized inquiries on my credit report. Transunion continues to report these with no valid tangible proof. The FCRA states that the only permissible purpose for pulling someones credit is : firm offer of credit, employment, court order and insurance. The above mentioned unauthorized credit inquiries are related to none of the aforementioned permissible and therefore Transunion needs to delete these.These are NOT FACTUAL STATEMENTS. I have contacted these companies that placed the inquiries and have not heard back from them.I am well aware of my rights as a consumer that are outlined in the FCRA.
Consumer complaint received 2017-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (PA)

We moved to east coast and do not have a physical Union Bank branch available to us so we called UB @ XXXX on XX/XX/XXXX and told XXXX ( extension # XXXX given to us ) in XXXX TX that we wanted to close our checking acct ( # XXXX ). We called UB again on XX/XX/XXXX and spoke to XXXX ( id # XXXX given to us ) in XXXX TX. XXXX verified that we had {$55.00} in our acct and that we would be charged for a cashier 's check to be sent to us for the remaining amount in our acct. We did not want to pay for a cashier 's check but XXXX told us that we had already been charged for one. We then spoke with XXXX ( refused to give us an id # or extension # ) in TX ( refused to say what location in TX she was in ) and she told us a check was sent to us on XX/XX/XXXX. We felt she was lying to us b/c we first called UB on XX/XX/XXXX to close our acct! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB. XXXX verified that our acct was closed on XX/XX/XXXX and told us that it takes 7-10 days to receive a check for the remaining funds in our acct after it is closed. We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX TX that we had not received a check from UB and she told us that we had to go into a branch to close our acct. We told XXXX that we were on the east coast and there are no physical bank locations here for regular customers! We then called XXXX XXXX whom we originally opened our acct with @ the XXXX XXXX CA UB branch. XXXX told us that a check was sent out to us and we told her that we had not received one. After some going back and forth with XXXX, she asked for our phone number and told us that she would call us back but she never did! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB and all she did was continue to put us on hold while she tried to find out what was going on, never giving us an answer. We called XXXX @ the XXXX XXXX CA branch again today ( XX/XX/XXXX ) and told her that we had not received a check from UB. XXXX told us that she had spoken to customer service the first time we called her and they told her that we had called them after we spoke with her. We told XXXX that we did not do that. XXXX continued to accuse us and told us that she could not do anything for us. We asked her if we should just go to XXXX and she said that she was trying to help us. We told XXXX that we did not feel that she was trying to help us! We told XXXX that we wanted our check. When she raised her tone of voice, we hung up on her and decided to make this complaint. We are tired of being lied to and getting the run around from Union Bank!!!
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX, 2012, I opened a secured credit card with Bank of America, and made a deposit of US XXXX XXXX dollar. I was told that once I used the card for one year and repay it as though it was an unsecured card I would be issued with a credit card from the bank. Upon using the card I later notice that I was being charge interest on the money I deposited. I was not pleased about it so I requested for the card to be closed after using the money that I had deposited. I later discovered that Bank of America reported the account to the credit bureau. I am puzzled as to why, because the money I used was put on the card by me. I have made several attempts to have them remove this item from credit report which they have ignored.
Consumer complaint received 2017-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Iron Capital Group (NJ)

Iron Capital Group advertises that you can get a credit line to start your business, all you need is a FICO score of XXXX. I spoke to a salesperson " XXXX '' he explained everything verbally, as it is explained on their website. I was instructed to sign up with XXXX XXXX XXXX, ( a credit monitoring service ) and supply Iron Cap my username and password. Even though my FICO score is XXXX, they said I was being denied because of a few derogatory items on my report. Even though these items have been paid, Iron Cap says they wont be able to fund me. Before I gave them my social security number, they confirmed that they were only concerned with FICO. After I contacted them stating I didnt see the unpaid items on my credit, and that I need more explanation or I would be forced to report them. The director contacted me stating that they meant to change terms on website, and they would n't be able to change for a few weeks, asking me to wait until they had a chance to change the site before I contacted Consumer Affairs. He said there may be other loans that I qualify for but they were unfavorable. He also didnt offer any info on any loans that I qualify for. I believe this company doesnt want to fund XXXX XXXX Business. There are no traces of minorities on website, and I bet they have never funded any.
Consumer complaint received 2017-07-18
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. (OK)

I have been a victim of the inquiry glitch that happened at Transunion. I called the customer service to complain and have them remove those negative inquiries affecting my  credit score , but they would not help.
Consumer complaint received 2017-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (MN)

I have tried multiple times to come to a resolution with avant. Every employee at that company is quick to pass the hat, and then nothing is done. They claim they strive for customer service, absolute lie. They are crooks who take people at a high rate with no hopes of them helping or resolving your issue.
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/XXXX, XXXX charged my BBVA Compass XXXX card {$170.00}. The correct charge should have been {$59.00}. I contacted XXXX immediately. The customer service representative told me nothing could be done. On XX/XX/XXXX, I filed a dispute with BBVA Compass alleging fraud. The complaint number with BBVA Compass is # XXXX. I asked that the full amount of the charge be reimbursed and the 4 ( {$38.00} ) overdraft fees. On XX/XX/XXXX, I filed a complaint with the police. On XX/XX/XXXX, I spoke to the customer service department at XXXX regarding the police report and my intention to file a CFPB report. The customer service representative was able to refund the fraudulent amount. On XX/XX/XXXX, I contacted BBVA Compass to inform them that the refund was issued. I asked that the four {$38.00} overdraft fees be reimbursed as they were the result of a fraudulent charge. BBVA Compass refused to reimburse the fees even though if the fraud had not occurred, none of the fees would have been charged to my account. The customer service representative at BBVA Compass stated he could only refund {$76.00} of the {$150.00} because my account is less  than a year old. I explained that the fees were a result of a fraudulent transaction. The representative refused to refund the remaining {$76.00}.
Consumer complaint received 2017-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are inquiries that I did not authorized on my report. I called TransUnion and E-mail and sent letter to them. I gave them the police report number for the case. XXXX XX/XX/2016 XXXX XXXX XX/XX/2016