davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I have a debt collection recently added to my account, but I do not know what it is. I contacted the collection agency and the information they provided is not mine. The first time I heard about this debt was when I saw it on my credit report. I disputed this with the credit bureaus and XXXX  denied the claim whereas XXXX  removed it from my credit report. 

COMMONWEALTH FINANCIAL SYSTEMS Account Name Collection Account Type Individual Responsibility XX/XX/2018 Date Opened Collection account. {$710.00} past due as of XX/XX/2018.
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NORDSTROM/TD BANK Account Number : XXXX Date : XX/XX/2017 Amount : {$1300.00}
Consumer complaint received 2018-11-28
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. (MO)

I sent Experian letters dated XX/XX/XXXX and XX/XX/2018 asking them to remove Regular inquiries no authorized by me and Public Records not verified by the Bankruptcy court. I spoke with a representative from Experian on XXXX-XXXX-2018 that stated that my letters were not valid.
Consumer complaint received 2018-11-01
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. (CA)

I am in the process of trying to refinance my two Mortgage Loans that are presently with XXXX XXXX XXXX ; a first mortgage and a HELOC. 

Unfortunately, the 3 Credit Reporting Agencies will only show information provided by XXXX that shows both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XX/XX/XXXX/XX/XX/XXXX. 

This is playing havoc with my FICO scores and credit history. It is making it extremely difficult to obtain a new Mortgage when the current Mortgage Loans are not being accurately reported. Moreover, any potential new lender doesn't even know what the current payoff amount would be. Should it be {$0.00}, since that is what XXXX is reporting? 

I have a First Mortgage with a balance of {$260000.00} that started XX/XX/XXXX, and a Home Equity Line of Credit with a balance of {$150000.00} that started XX/XX/XXXX with XXXX XXXX XXXX XXXX   for a total mortgage debt of {$410000.00}. As noted herein, both accounts were open in XX/XX/XXXX, but not at the same time - and both should reflect a perfect payment record with the 3 Credit Reporting Bureaus. But they do not! 

I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX and all debt was discharged and closed in XX/XX/XXXX, including the two XXXX XXXX  mortgages. XXXX XXXX the current lien holder for both mortgages, will not report any financial information to the 3 Credit Reporting Agencies, because a Letter of Affirmation was never executed within the first 60 days after the initial 341 meeting with the Federal Bankruptcy Court ( Federal Rule Bankruptcy Procedure 4008-A ). 

I spoke with several people at XXXX XXXX, the latter part of XX/XX/XXXX and they could not or would not help. That is their policy and at present there is nothing I can do to have them reconsider their position. The 3 Credit Reporting Agencies will only show information provided by XXXX that indicates both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XX/XX/XXXX/XX/XX/XXXX. 

The information reported is totally inaccurate and does not reflect that I have been making on-time payments for the last 13-14 years, since the loans were originated. I have filed disputes with all 3 Credit Reporting Agencies - that were fruitless. So now I am turning to you. 

However, attached, you will find 2 documents provided to me by XXXX that contradicts what they report and does show my excellent payment history for both accounts. I also included the latest monthly Statements provided to me by XXXX.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (DC)

There was inquires from TD Bank USA/XXXX XXXX on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Wile we were in bankruptcy XXXX XXXX listed on our credit report as delinquent with Trans union credit. We contacted trans union and contested the report. The whole mortgage was removed because of bankruptcy protection against derogatory reports against our credit.We filed chapter XXXX and reaffirmed my mortgage with XXXX XXXX.Upon completion of our bankruptcy XXXX XXXX continues to refuse to list our mortgage on our transunion credit report. It has been more than 2 Years of multiple calls and letters to XXXX XXXX to no avail.Even complaints to the presidents complaint department didnt help The other two credit bureaus report my mortgage no problem. Only trans union who I have contacted and has said its XXXX XXXX XXXX our Mortgage data and refuses to release it. This adversely affects our transunion credit score and affects our credit and ability to get credit PLEASE HELP! We don't know what else to do
Consumer complaint received 2018-11-15
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: Army and Air Force Exchange Service (NV)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-15
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 — Investigation took more than 30 days
Company: Credit Karma (PA)

My credit report dispute request was submitted to XXXX  VIA Credit Karma on XX/XX/2018. 
XXXX file number : XXXX. 
I got an update from Credit Karma to inform me the dispute request is currently being processed by XXXX. They expect to complete their investigation within 30 days. 
As of XX/XX/2018, I have not received an update from neither XXXX  or Credit Karma. 
According to the FCRA, If CRAs dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. 
FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Consumer complaint received 2018-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. 

XXXX  CONTINUES TO REPORT THIS INACCURATE INFORMATION EVEN AFTER I MAILED TO THEM COPIES OF THE USPS POSTAL INSPECTION SERVICE CRIMINIAL INVESTIGATIONS DIVISION REPORT AND COPIES OF COURT ORDER SHOWING THE APPOINTMENT OF A FINANCIAL CONSERVATOR ABSOLVING ME OF FURTHER RESPONSIBILITY AND DUTIES AND ABILITY TO HANDLE MY OWN FINANCIAL MATTERS SINCE THE CONSERVATOR RE-DIRECTED ALL MY MAIL TO HIS OWN OFFICE AND ENGAGED IN MISMANAGEMENT OF MY ACCOUNTS AND FINANCIAL DISHONESTY BY BILLING FOR HIS OWN ACCOUNTS FIRST AND TELLING THE COURT HE HAS BEEN PAYING MY ACCOUNTS AND CHARGING ME FOR DOING SO.
Consumer complaint received 2018-11-15
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. (GA)

XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-11-01
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 submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting XXXX ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX) XXXX XXXX XXXX   30 day late (XX/XX/XXXX) ( XX/XX/XXXX ) & 60 day late ( XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) XXXX XXXX_ 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.
Consumer complaint received 2018-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

I turned XXXX last year. My property taxes froze and I sent XXXX XXXX XXXX this information. They recalculated my mortgage and reduced my payments. However, the calculation was in error resulting in a $ 12,000+ escrow shortage and double mortgage payments in XXXX and XXXX of this year. I have made up the shortage as soon as I knew exactly what the full amount was. I expected my payments to go back to the recalculated amount for XXXX and XXXX since I immediately made up the shortage ( at unexpected expense to me ). However, BBVA is telling me I must still pay the double payments until year end because the recalculation was already done and they " will just start fresh in XXXX ''. this is NOT acceptable. This wasn't my mistake and I made it right. Now I need AT least XXXX back to the recalculated amount or the difference placed in back in my escrow account.
Consumer complaint received 2018-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MS)

I have submitted multiple validation letters since back in XXXX of this year 2018. Letters went to XXXX  XXXX XXXX XXXX requesting they validate the debt that they have listed on my credit report along with XXXX XXXX XXXX . XXXX XXXX XXXX   responded advising that debt was now XXXX XXXX XXXX yet neither of them could validate the debt in question. They both are showing on my credit report as a debt being owed in the amount of XXXX. It is impossible to owe two different companies for the same debt yet neither of them can bear signatures or original creditor documentation. I received a response from XXXX XXXX XXXX as well which did not show any info advising that the account is even my account.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/24 : Made a {$5000.00} payment on a business credit card account. 
XX/XX/24 : My non-Truist bank that houses my checking account released the funds to Truist. 
XX/XX/24 : Realized there was a problem when I tried to use the card, and the transaction would not go through. 
XX/XX/24 and XX/XX/24 : called Truist customer service multiple times. Was informed that my payment was large, and therefore a hold was placed on the majority of the payment. {$5000.00} is large to a XXXX dollar  company?!! Tried to get them to release the hold, which I know they are perfectly capable of doing, but was told I would have to continue to wait until Monday evening possibly Tuesday morning. I asked for a manager to step up the the process, but was basically placed on hold for 30 minutes. Each time that I called and asked why a hold was there, one of the questions they asked was did you make this payment from a Truist checking account? When I responded with no, their comment was simply oh. 
So pretty much they are telling me that Truist is punishing its credit card holders for not having Truist checking accounts by placing excessive holds of 96+ hours on their payments. 
They continued to say that they had to verify the funds before they could release the hold. My bank released the money to Truist on XX/XX/24. Theyve got my money, so what is there to verify? 
XX/XX/24 : Filed a complaint with the XXXX and then filed this complaint, as a credit card company should not have the legal right to hold payments for 96+ hours when people running businesses need to have their credit cards available. 
Let me further state : Ive never made a late payment to Truist, Ive never went over my credit card limit, Ive never requested a credit limit increase, I very rarely allow the balance to roll over, as in the card is paid in full every month, I do not file repeated disputes, therefore Truist has no reason to be holding my payments.
Consumer complaint received 2018-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Navient Student loans is a company that does not even try to help studentsehuch have been paying them thousands of dollars over a decade. U tried very hard to deal with them to reduce the interest of my loans but every time they say no we cannt help. There is no program whatsoever to help students that always have been paying their bills. Thousands of dollars over years. Every payment that I make goes towards the interest only. Only couple of dollars per couple months goes towards the principal. Abviously if I could make large payments to pay off I would. I have been dealing with a lot of health issues and the only thing they say is put on auto pay and you should be ok. 
Navient just takes and takes and takes from poor students and does not try to work with them.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Attached please find my follow up complaint against Transunion with regard to obtaining my credit report & regaining access to it online. 

TU states theyve mailed my credit report on 2 separate ( maybe 3 occasions ) but I have NOT received a single copy or ANY communication from them via US Mail or email. 

Im going to assume since this company cant seem to get their act together their statement that they mailed it to my address on file means that they mailed it straight to the identity thief on XXXX XXXX and NOT to me in XXXX XXXX, IN. I have no other alternative than to assume since I CANT GET INTO MY CREDIT FILE ONLINE NOR CAN I SEEM TO GET MY REPORT BY MAIL. 

WTH- would I say I havent received it and spend all this time with complaints, etc if I had!?! I want to fix this issue but it would seem I cant until Transunion fixes theirs! 

I am so BEYOND irritated ... .Im like 3 seconds away from getting an attorney and then suing them for the costs of doing so. 

SEND MY XXXX CREDIT REPORT to the address that I provided to you via mail along with my 2 forms of identification OVER A MONTH AGO!
Consumer complaint received 2018-11-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

In XXXX we established a HELOC with Washington Mutual, for {$55000.00}. We increased this line in XXXX to {$110000.00}. WAMU was subsequently purchased by Chase. In XX/XX/XXXX, we refinanced the HELOC and paid Chase in full. Last month, we were attempting to refinance the new mortgage with our current bank, and the title company determined that a reconveyance was not properly filed by Chase. They filed one for the XXXX original line, but not for the XXXX increase. We are doing this 2nd refinance to free up cash to pay off costly revolving debt, and the delay ( which has been two weeks now ) is costing us hundreds of dollars in additional interest. The main issue here is their response to this issue. We have contacted Chase many times - the title company has called and e-mailed them at least 6 times, and I have called or emailed 10 times ), and we keep getting an apology that they are " diligently working on the issue ''. They also said it takes 7-10 business days to research the issue, and we are now at Day 11. Their incompetence, coupled with the lack of urgency in this matter, has caused substantial stress on our end. I also know that improper reconveyance processing has been a large problem in the industry. Loan number XXXX, payoff XX/XX/XXXX for {$110000.00}.
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Consultants, Inc. (CA)

This company has very aggressive phones calls and after I submitted a letter to verify the debt they fail to do and this was clear on a previous complaints with the CFPB and now is a different company with the same tactics
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i went to see about opening a credit card account at bank of america i had a savings account with them XXXX  ca.

the manager XXXX said if i opened a checking account and sent my pay checks in to that account i would receive {$150.00} bonus it would be completely free to use the card no monthly fees i would also earn bonus money for using the card for goods and services " keep the change " i did not recieve the {$150.00} bonus they started charging me {$12.00} per month i tryed to close the account by visiting the bank they said i have to ring them when i rang they said i have to visit the branch when i visited the branch they said i had to see XXXX XXXX was never available the account continued to deplete my funds until it ran dry I am below the poverty line less than {$5000.00} a year
Consumer complaint received 2018-11-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have been paying my mortgage payments on time and sending in extra so that I can pay my mortgage down faster. But the balance of my mortgage is increasing. It was down to {$39000.00} but now it is showing that I am at {$42000.00}. 

Also, I have been XXXX since XX/XX/2018. My rate has been lowered since I am on orders but I received a letter stating that they are going to increase my rate again, But I am still on XXXX.