davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Sent a letter to the collection agency asking for VALIDATION of debt not VERFIFY. Ask if the debt could not be VALIDATED within 30 days to please remove from all 3 credit bureau reports. Agency responded to my request by sending a letter titled VERIFICATION OF THE DEBT
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/2011, I lost my job. I worked with Bank of America to place my loan in forbearance, but they would not allow it. After 12 months, and {$27000.00} later, they gave me a partial claim and destroyed my credit. They continued to tell me not to make the payment as it would force FHA to allow the partial claim. As a result, I have horrible credit, I have been denied loans and credit, and what I have been offered are astronomical rates and sub-prime lending. This is not fair!
Consumer complaint received 2018-10-22
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. (TX)

There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s ) {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Meridian Financial Services, Inc. (NC)

Meridian Financial has fraudulently reported a single collection account obtained from XXXX XXXX as three different accounts to both XXXX and XXXX. I have written to them several times to correct this error and received a statement confirming that this is indeed a single account but my demand for correction to the reporting has been ignored. Attached is my statement from XXXX XXXX confirming that this is, in fact, one single collection regarding a single XXXX XXXX account and not several.
Consumer complaint received 2018-10-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (IL)

I signed on XX/XX/XXXX with him to buy a house that i had fell in love with. He said usda loan, 0 % down and very little out of pocket. For the next 3 weeks i couldn't get in contact with him or his lending partners. When i finally got ahold of him they were rushing to get the paperwork and everything so they could get started. I paid XXXX for inspection and XXXX for appraisal. I had XXXX ready to insure it. XXXX called my insurance agency without asking me and had my deductible raised from {$1000.00} to {$7500.00}, he also told me he was buying my rate down for an extra $ XXXX- {$400.00} which ended up being XXXX. He had me locked in at almost 5 % interest on the loan. So when it was all said and done i needed {$4800.00} at closing and my sellers {$2500.00}. We went through 5 different closing dates on a 30 day closing. The whole process was lies and seemed to be a scam of some sorts. Now I'm out the {$800.00} i put up and they managed to run my credit 3 times and drop my score significantly.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Incorrect data from XXXX XXXX is on my Experian credit report as a Potentially Negative item. ALL the XXXX information should be deleted because I have NEVER DONE ANY BUSINESS with XXXX XXXX. Here are some facts ... 

A. XXXX could NOT FIND ANY history regarding ANY account for me UNTIL WE FURNISHED IT TO THEM during a dispute call. During that conference call, Experians Dispute Center employee had to provide XXXX with an account number ( XXXX ) since XXXX could NOT find one in their system. XXXX now uses that account number ( the one provided by Experian ). Note : this is verified by notes in the Experian Dispute Center. 

B. XXXX could NOT find ANY OTHER account number in their system ( related to me ). 

C. During the conference call including Experians Dispute Center, XXXX asked me for personal data including my name, address, my Social Security Number, current phone number, and specifically asked if I had lived at various addresses. XXXX XXXX  could NOT FIND ANY RECORD of me in their system. 

During that conference call, when XXXX admitted they could not find any record of me in their system, Experian Dispute Center asked XXXX if they would authorize removal of the information since it could not be verified. XXXX stated they, " could NOT remove any data unless they first found the account and verified that it was a mistake '' ( seriously ). 

D. XXXX now has my personal data in their file since we furnished my personal data to them while they were trying to locate the file ( See Item C ). 

E. I have NEVER LIVED at the following address Frontier is questioning XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX ( The XXXX XXXX XXXX XXXX verified this was NOT a residential address. ) F. I have NEVER done any business with XXXX XXXX. 

G. There is NO mention of XXXX XXXX on my XXXX or XXXX credit reports. 

H. This situation has been disputed three ( 3 ) times through Experian but NO changes have resulted. The Experian credit report continues to be incorrect by including the XXXX XXXX information ( see image below ). 

I. Due to a lifestyle change, since XXXX 2003, I have  had NO utility costs ( including landline telephone, electric, water, sewage ) and NO cellphone costs. 

H. I have now spent over nine ( 9 ) hours, during four calls over a four-month period, on the phone with Experian and XXXX XXXX. The result of one call was that Experian suggested that I hire an attorney.
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affiliated Acceptance Corporation (TX)

XX/XX/XXXX I signed up XXXX of my boys for a XXXX XXXX XXXX with the name XXXX XXXX XXXX after researching about the curriculum and core values. This is a local XXXX area chapter of XXXX XXXX XXXX XXXX whose main headquarters is in XXXX XXXX California. After 2 weeks, the gym changed its name to XXXX XXXX and was no longer affiliated with XXXX XXXX. I discussed my concerns with the local gym owner with name XXXX XXXX but he directed me to call Affiliated Acceptance Corporation ( AAC ). I  was also informed that it was not possible to cancel the gym membership. I called AAC several times and wrote to them on XX/XX/XXXX to formally raise my concerns about the AAC trying to collect debt. My lawyer sent them a letter to cease harassing me with collection notification via mail and phone calls. It is now XX/XX/XXXX and they are still at it. They will quit for few months and then start again. AAC told me in their response letter dated XX/XX/XXXX they were unable to process my request to cancel the membership. My take in this matter is that this gym offered me a membership and affiliation with XXXX XXXX by repesentation and then I got a generic XXXX XXXX instruction from former XXXX XXXX instructors. AAC came in the mix because according to the owner, he hired ACC to collect monthly gym memberships because he could not afford an accounting department to process such collections.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IL)

Date on my credit report is XX/XX/XXXX. This was for a home I rented with former roommate. I disputed this on my credit report last year and they have not removed the charge. I would like to have this resolved seeing as I passed the walk through in the home. In XXXX the home flooded due to the water heater busting. The renters waited 2 months to fix anything. The home smelled of mold because the water got into the molding. They never removed the carpet. The smell went on for 5 months and I emailed PROGRESS RESIDENTIAL multiple times and no one would help me. We paid each months rent. I never received the deposit back and on top of that I see a charge on my credit report for {$820.00} and to date that amount is now {$1000.00}. I have not signed anything or been given notice as to why the amount has rises? I have copies of the email being sent from myself to the renters where they were unlawfully letting us live in horrible living conditions for 5 months.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Screening Reports Inc. (GA)

My identity was stolen and the person who stole my identity was using my identity to get apartments and also try to get a loan in my name I was aware of the situation once an apartment complex said I owed them money for an apartment Ive never stayed in! I own a house as of XX/XX/XXXX. I have no reason to try to get an apartment! Its listed in my XXXX XXXX and XXXX  also as me trying to get an apartmentXX/XX/XXXX! I would like for all these inquiries to please be remove since it wasnt me who made these inquiries! I will attach driver license and police reports.
Consumer complaint received 2018-07-22
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: Experian Information Solutions Inc. (GA)

I am only allowing 3 business days for this dispute to take place and I will be following up with my lawyer. Please look at the attached letter. At this point Im in distress and disappointed that the items I am disputing as an internal dispute continues to remain on my credit without proper verification. I am aware of the law and sections of The FCRA where I see that your company has violated me and my rights with in section 609, 611, 615 and many more to be exact. I will not stand to see another bogus report or letter saying Verified. No possible way any verification procedures were done to verify any of the inquiries that you listed on my credit file as errors. Please continue to the attachment and please read carefully.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but  bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!
Consumer complaint received 2018-07-22
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. (CA)

I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to Experian and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Consumer complaint received 2018-07-22
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: ECMC GROUP, INC. (CA)

I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Consumer complaint received 2018-07-22
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: Collection Bureau of America Ltd. (CA)

I did a dispute with XXXX on XX/XX/XXXX on a collection that was made by Collecion Bureau of America on XX/XX/XXXX Confirmation Number : XXXX.I explain to them that is was only XXXX at the time of the collection i was not XXXX yet and that was without my consent they did an investigation and and there conclusion on XX/XX/XXXX was that the account did belong to me. and they made changes on my credit report that my birthday is XX/XX/XXXX and my previous addresses when i lived at current address sence i was XXXX my birthday is XX/XX/XXXX This is what they sent me XX/XX/XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : Collecion Bureau of America, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX CBA Collection Bureau of Amer XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Personal Services Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$190.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$280.00} Last Payment Date Whose Account Individual Account
Consumer complaint received 2018-01-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank changed their policy to charge overdraft fees when pending transactions overdraw the account and do not allow customers to remedy the overdraft with the instantly availability created by a cash deposit, something every other bank allows. When questioned, customer service retorted that this was requested by customers. When pressed on the issue, customer service cleared out my inbox.
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Everest Receivable Services Inc. (AL)

Everest Receivables contacted my mother on XX/XX/18 and told her to have me call their respenstative, XXXX 's cell phone ( XXXX ). He was extremely rude to my mother and I called and spoke to his team leader XXXX. XXXX informed me that I have to pay the debt off in full or they will continue to harrass me. I have never received a letter from this company which they are supposed to send with in five days of contacting me. 

I am currently on a debt management program and they told the company that they would work with them but then said they would not. As of date I have still not received a letter from this company. They also call from numerous different numbers all day. Including early mornings and late into the evening.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

This complaint is against American Express credit card ending in XXXX under the name of XXXX XXXX. 
Some of the charges are unknown and unauthorized and some additional fees have been imposed on them too. I tried to resolve the issue but the call is usually disconnected after long holds and various transfers. Id really appreciate if u could help me resolve this issue. 

Theres a transaction of {$100.00} on XX/XX/XXXX is which is completely unauthorized. I dont know how and why it was posted. 

Another unauthorized transaction of {$440.00} was posted on XX/XX/XXXX under the name of XXXX. 

Since I paid my XXXX tuition fee a number of times, it seems that I was mistakenly charged a {$75.00} on XX/XX/XXXX. 

On top of that, I have been charged a late fee of {$27.00} on XX/XX/XXXX and interest charges of {$2.00} and {$86.00} on XX/XX/XXXX and XX/XX/XXXX respectively. 

Id be extremely grateful if u could help me waive off these above mentioned charges and resolve the issue. 
Thank you.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

Coinbase is misleading in the withdraw process. Easily accepts funds, yet has insane need for username and passwords to access my accounts. I have {$590.00} in my US wallet. The 2 options to withdraw have completely unreasonable personal info requirements. 
I would like some help in resolving this issue. Username and password into my account accesses several accounts. Never going to do that. 
A more reasonable bank account number and routing number is more acceptable. Some way to target one account. 
Thank you for the help. I look forward to your response.
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (MO)

I made a purchase XXXX/XXXX/XXXX for XXXX. There should have been {$50.00} in rewards applied and the credit was not applied. The full purchase was charged to my card. 

Sent email through card website. After a few useless and non-helpful exchanges filled with canned email responses that do n't even apply to the situation I was told I 'd have to call Customer Service. 

Call - get shuffled around a few times by associates with obviously the main goal of playing hot potato with my phone call until landing with a top performer of  disengagement who sounded like I was waking her up. After she asked me what my issue was she promptly said " hold on '' and placed me on hold into a complete black hole. I thought it was maybe so she could finish her nap or eat breakfast - but after about an hour of dead silence it became apparent her true plan was to park my call somewhere until I hung up. But, it 's ok - because I 'm using my time wisely and multi-tasking to submit this at the same time. 

Ridiculous. 

I 'd like the issue resolved and the card closed. I 've only had it a couple months. It 's not worth the trouble. I 'll take my business elsewhere. 

Thanks.
Consumer complaint received 2018-07-22
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. (NV)

Incorrect addresses on 3 credit bureaus Please remove all addresses from Alabama off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.