davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

I talked to  XXXX  or someone a t Le  xington law. He told me that the medical bills on my credit report would not be a problem to resolve. He showed me plans on the Lexington law website and when I saw the price I told him that was to o high and I was n't interested. He said sir I have a plan for {$24.00} a month. Then he told me that I needed to pay {$14.00} for a credit report. I was on a computer at the library and we did what I have been doing, disputing the collections of  XXXX  collection accounts. I am  a veteran and t he medical bills I am disputing for the last year are still on there. The doctors and hospital never bille d the VA.   He said he would take care of them for {$24.00}. He lied to me during this time I ran out of time on the library computer. I had forgotten about it. I checked my bank account it showed he had taken out {$110.00}. On  XXXX  and  XXXX . I called  Lexington   law and they told me that I had authorized the transaction. I told her I did not. she told me that they had my signature. She then told me that she would refund {$60.00}. I told her I wanted all my money back. She said she would refund {$60.00}. and said it would be in my account in 2- 3 days. Lexington law lied to me took money from my account that was not authorized by   me.   Please help  XXXX
Consumer complaint received 2016-09-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (VA)

I received a report from my ID protection service that TD Bank ( Formerly XXXX ), on XX/XX/XXXX reported to the credit reporting agencies, reported by XXXX that I had filed for bankruptcy on that date and this was described as " potentially negative information. I had been discharged under Chapter XXXX in XX/XX/XXXX and have recently restored my credit score to XXXX by XXXX credit reporting agency. I wrote to TD Bank 's Chairman 's Office and they have chosen to ignore my request to have this erroneous report removed from my credit profile.
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I applied for  a Fifth Third Mastercard and was granted a card with a {$7500.00} limit. t 's been a nightmare trying to use the care ever since. Almost every time I try to make a purchase they decline it and shut off my card. The first 5-6 times this happened, I called in and answered some security questions and they reactivated the card. The 7th time it happened they were very rude and told me I had to go into the bank with my id documents and have the documents sent in from the bank. I did so. Once I did that, I called the fraud department back and they assured me that the card would be reactivated and that this kind of block would never happen again. My card was cut off again within 2 days. Then when I called in they kept saying the card was under corporate review. I asked who I could speak to about it and they said nobody. It 's been 6 weeks. I 've received 3 voicemail s from a lady apologizing that she has n't resolved it sooner and says cryptic things such as investigations and companies she needs to speak with. To date the issue has n't been resolved. What 's worse is now I am totally locked out of my account and can not see any information, do an online bill pay, etc.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. XXXX, XXXX, and Experian list this information on my credit report. I only found out when I tried to re-apply for a XXXX  XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXXXXXX XXXX and the credit reporting agencies on XXXX XXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the XXXX I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.
Consumer complaint received 2017-07-19
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. (OR)

Credit report indicates I have opened a credit report with XXXX XXXX XXXX on XXXX XXXX, 2017. I have contacted the company, both by phone and by mail and informed them that I have NOT initiated opening of an account with XXXX XXXX XXXX, not authorized anyone else to do so. And I have filed a dispute with the Credit Reporting Company ( Transunion ). The response from XXXX was " we have determined the account information submitted by Cardmember Service to the consumer reporting agencies is accurate ''. Further attempts to contact XXXX have not been fruitful.
Consumer complaint received 2017-08-21
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. (MA)

For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. XXXX, TransUnion, and XXXX list this information on my credit report. I only found out when I tried to re-apply for a XXXX XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXX XXXX and the credit reporting agencies on XXXX XXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the bank I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.
Consumer complaint received 2017-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (TX)

We respectfully request a copy of the call transcript between myself, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX from XX/XX/2016. 
I requested XXXX XXXX make sure to document the conversation. XXXX XXXX advised that the call is recorded and can be reviewed if the information does not make the file. On this call, XXXX XXXX was reminded of our meeting of XX/XX/2016 and blames XXXX XXXX XXXX for alleging that XXXX can not mark our credit for 45-60 days. 
On XX/XX/2016, I went to the BBVA Compass location off XXXX. in XXXX, TX. XXXX XXXX so happened to be at the location. We met to discuss the refinance and to determine if we were moving forward. I advised XXXX XXXX that we either move forward or we were walking away from the refinance. XXXX XXXX did not want to see all the work and costs be for nothing. 
In this meeting, I questioned XXXX XXXX in regard to our XX/XX/XXXX payment to XXXX. I advised XXXX XXXX we did not want a late payment on our credit as we wanted to avoid hits to our credit. I also informed XXXX XXXX that I did not want to make the payment if I did not have to. I advised XXXX XXXX we had no late or missed payments on our credit and we wanted to keep it that way. XXXX XXXX then left the room. Upon his return, XXXX XXXX 's response was " Do not worry about the XX/XX/XXXX payment unless I tell you to make it. If you make it, it will delay the close. XXXX can not hold it against you since they know about the refinance. As long as we close by XX/XX/XXXX, you will be fine. '' XXXX XXXX XXXX was in the office when I was told about the XXXX day hold on marking our credit history. XXXX XXXX admitted to XXXX XXXX, according to one of my conversations with XXXX XXXX in XX/XX/XXXX, that he did in fact tell me not to worry about the XX/XX/XXXX payment. I was informed XXXX XXXX coached XXXX XXXX on how to handle a similar situation in the future. XXXX XXXX and XXXX XXXX both apologized that not all options were presented to us. 
At this point, XXXX XXXX " does not recall '' many things he has told us. Self-preservation can make you distort the facts. 
The late payment is not a reflection of how we handle repayment of our bills. This is evidenced by our prior payment history and the approval of our refinance by BBVA Compass Bank. 
All 100 % of the blame for this falls on XXXX XXXX 's shoulders. The representation he provides to customers for BBVA Compass Bank falls short of anyone 's expectations. XXXX XXXX XXXX XXXX has the sole liability of this situation. He has the ability to be honest and admit his mistakes but is in self-preservation mode. 
We would like to put this incident behind us rather than being forced to take legal action against both BBVA Compass Bank and XXXX XXXX XXXX XXXX. I have attached our documentation and can provide additional texts between XXXX XXXX XXXX and myself, if necessary.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (TX)

Hello! I have a Visa Barclay card. I was added as an authorized user by my ex boyfriend ( which I consented to at the time ) ; we broke up about 1.5- 2 years ago. I 've asked him several times to close this account and he has n't done it. I 've called the number on the back of the card ( XXXX ) twice and they stated both times that without the last 4 numbers of the primary account holder 's SSN, their DOB, and the phone number on file for the account they ca n't even access the account to close it. I have n't gotten any further than this with them. I do n't know if the primary account holder is him or his dad, or any of this information as it would appear on the Barclay account. I 've asked them several times and they say they ca n't help me at all without all of that information. I do n't want to be stuck on this account forever just because some guy I used to date and his dad wo n't answer my calls or texts. It 's also just beyond me that without this information they are wholly unable to help me in any way to just close the card and get my name off that account. It 's very frustrating that this card is in my name, attached to my credit report, was opened with my social security number, and they are telling me I have absolutely no control to close a card that is attached to me in a personal way. His dad also just declared bankruptcy and I just do n't want my name tied to them anymore. Please help me close this card out, Barclay wo n't!
Consumer complaint received 2017-08-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC XXXX Accounts- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reporting twice XXXX XXXX XXXX. XXXX, XXXX
Consumer complaint received 2017-08-21
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. (GA)

I contacted Equifax on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX.
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

In XX/XX/2017, we were contacted by XXXX Aguisitions ( threatening ). It was about a credit card debt of {$300.00}. Payment arrangements were made and payments taken from bank account on XX/XX/2017 for {$100.00}, XX/XX/2017 for XXXX, and XX/XX/2017 for XXXX. That was to pay off debt. Today, XX/XX/XXXX, we get a letter from Midland Credit Management stating we owe the debt. I called them, and they insisted we owe it, and if I wanted to dispute it, they would put it into litagation. I have bank statements showing the payments taken out to pay this debt.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

In XXXX of 2017, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

National credit systems are stating that I owe a XXXX debt for a property. They have sent me a ledger of amounts. These amount are false. I have been trying to explain that i do not owe that amount. I am disputing the information. I have provided a reason of why i do not owe that amount and they continusly harass and will not show proof of the damages of property. They have XXXX base rent XXXX of XXXX and XXXX for XXXX. Damages for XXXX plus XXXX late payment charges of XXXX dollars a termination fee of XXXX. These are false when i spoke to XXXX and XXXX XXXX i explained to them the amount. XXXX told me that i was not at the property XXXX/XXXX/14 when in fact i moved out XXXX/XXXX/14. I paid rent that month and i also sent a notice for moving due to an incident at the home. They are not being fair. National credit systems sent me an 50 % offer off the XXXX in the amount of XXXX. I do not owe any of the amounts.National credit systems have ruined my life and my way of living. They are not trying to settle a reasonable amount and will not send proof of damages they claim to the property. They claim they have my record for that property but are unable to send me any information regarding proof of damages. How can National credit systems expect to receive a payment if they cant send evidence?. I do not owe this amount and i continue to express that. When i paid rent for XX/XX/2014 i do not know what they did with my payment. I have showed the property to the manager at that time when i left and there were no damages at that time. I called today and the XXXX says my bill is current. I need all proof of evidence.
Consumer complaint received 2017-08-21
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: Medical Society Business Services, Inc. (AZ)

I have called the bureau of XXXX XXXX five times asking them to remove a account I did n't own. They agreed, it 's not my account. And after 60 days it still has not been removed from credit my XXXX XXXX profile.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NV)

I have now disputed with Experian 3 different times regarding the same issue since XX/XX/2016. I had a vehicle loan. The vehicle was involved in a crash. The insurance paid the remaining balance on the car, and documentation is attached. However, Experian has reported it as a charge-off. I have contacted the financial company the loan is through, XXXX XXXX, and have documentation from them stating the account was paid fully, as well as payment history. XXXX XXXX has attempted 3 times to have Experian change the charge-off to paid in full, good standing, no charge-off, and Experian has refused each time. Both of the other credit reporting agencies do not show this problem. However, the problem with Experian has now caused me to be declined for a new credit card, further affecting my credit score, as the credit company used Experian for it 's credit check.
Consumer complaint received 2017-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Funding LLC is  attempting to collect debts for a closed  XXXX   XXXX . I wrot e Midland Funding LLC    XXXX     requesting the date the original accounts with   XXXX   XXXX   became delinquent, but I did not recieve a response. Based on what I 've seen on my crdeit reports it appears that  Midland Funding LLC is a ttempting to reage the debt which is illegal. According to my state of residency this debt is beyond the  three year s statue of limitations.   According to my   XXXX    File, o  ne  account was reported delinquent by   XXXX   XXXX   on  XXXX  ; the other   XXXX
Consumer complaint received 2017-02-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (ID)

A few years ago XXXX Mortgage bought my loan. at that time I hade filed Chapter XXXX Bankruptcy and it was discharged. they now tell me that they will not report my payment to the credit reporting bureaus it is having an adverse affect on my credit and I would like it changed
Consumer complaint received 2017-04-29
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. (MI)

On  XXXX   XXXX  and  XXXX   XXXX   2017   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  texas  XXXX   XXXX  placed an inquiry on my credit report without my consent or knowledge.
Consumer complaint received 2017-08-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC . Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting twice XXXX XXXX acc. XXXX, XXXX