davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
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. (IA)

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized credit collection accounts and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX County County Courthouse, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.
Consumer complaint received 2018-05-08
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. (MA)

On XX/XX/XXXX, at XXXX XXXX, I placed an 8 minute call to XXXX XXXX XXXX ( XXXX ) in XXXX, MA at ( XXXX ) XXXX regarding a debt collection that appeared on my credit report that morning. I had received no notification regarding the debt or the original creditor to that point, and was told by the XXXX rep that it was a XXXX XXXX account ( and if I had any disputes, to contact them directly ). I contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX. I was told by the customer service rep ( XXXX ) that I could pay XXXX XXXX directly over the phone. I asked whether the account could be pulled out out of collection first ( as it had only been placed for collection several days earlier ) and he said yes. I then proceeded to pay the entire amount allegedly owed by me with my debit card to ensure the collection would be resolved and removed from my credit report. I waited a couple days for the payment to clear, and several days more to see if my credit report updated. It did not. I then filed a dispute with all 3 credit bureaus, and received a response this morning showing that the collection account was updated to " Paid in full. '' I never paid XXXX XXXX XXXX - ever. They did not have collection authority at the time I resolved the balance as XXXX XXXX had taken it out of collection and allowed me to pay in full directly to them. Had XXXX exercised its due diligence in investigating disputes per the FCRA, it should have obtained the information from XXXX XXXX regarding the revocation of authority effective XX/XX/XXXX. Without collection authority, XXXX had no legal right to update the status of the collection upon receiving notice of the dispute. It should have been deleted entirely. I can prove legal damages as well as I was in the middle of refinancing my home when this issue arose and I have unable to continue with that process. As an XXXX, I am prepared to challenge this violation in court if I must, as well as involve the Attorney General of the Commonwealth of Massachusetts and the XXXX if needed. I hope I do not need to take these steps.
Consumer complaint received 2017-08-12
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. (MI)

I 've disputed a XXXX debt with XXXX, XXXX, and Transunion more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my XXXX credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.
Consumer complaint received 2018-05-08
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: EQUIFAX, INC. (CA)

Two unpaid XXXX cards are listed as mine, while they belong to a soon to be ex-husband. Two names appear as mine, but one of them is a 20 year old maiden name -I do not have any more. I do not carry over balance from month to month unless the credit card ' computers were down when I tried to pay on the phone person to person. 
3 problems in all, counting 2 erroneous XXXX as one problem. 
In the past and presently I have hackers ( my ex and his sister ) who break into my computerized records and creates havoc.
Consumer complaint received 2017-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed a certified letter to Transunion on XX/XX/XXXX and was received on XX/XX/XXXX via tracking update. No response as of XX/XX/XXXX.
Consumer complaint received 2017-08-13
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. (TN)

several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with XXXX XXXX and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data.
I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.
Consumer complaint received 2017-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Burr & Reid, LLP (PA)

These bills were from medical issues and should have been billed to XXXX. The hospital is trying to get me to pay full price for issues that should have been billed to the largest federal payer in the US.
Consumer complaint received 2017-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Suffered a casualty loss to my home due to a hail storm.
Insurance check made payable to me and my mortgage holder ( mortgagee ).
We endorsed check and the mortgagee deposited.
When we submitted bid for repair, mortgagee issued a check payable to contractor and me.
Contractor and I properly endorsed check and deposited Bank declined deposit because of " improper endorsement '' When we initially contacted bank, they indicated a corporate seal is required. In Texas corporations, LLC 's and sole proprietors are not required to have a corporate seal. When we pointed this out the bank told us the check could only be deposited in the contractors account.
The bank upon which the check was drawn indicated this is not true, that they would honor the check Contractor bid was 50 % at start, remainder on completion with the job to start 45 days in the future.
The insurance company will inspect my property upon the completion of the work to ensure the work was completed based on the adjusters appraisal and recommendation.
By denying the deposit of a properly endorsed check the Chase Bank of Texas is denying for no valid reason access to my funds. Furthermore, by their policy they promote contractor fraud by allowing the contractor full access to the funds before any work is undertaken.
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC (TX)

I purchased a vehicle from XXXX  XXXX in XX/XX/XXXX and fell behind on payments. My account was then sold to XXXX XXXX XXXX in XXXX, tx. I paid off my account with them in XX/XX/XXXX and spoke to the manager there who assured me my title would be mailed in 6-8 weeks. I waited 10 weeks and did not recieve my title so I contacted them again. They told me my account was transferred to American Credit Acceptance and that company now had my title. I contacted American Credit Acceptance and they told me I owe XXXX on my vehicle still and will not release my title until it has been paid in full. They also threatened a reposession of my paid off vehicle. They said I needed to dispute the amount owed with XXXX XXXX. I have all bank account statements and payment information for the payments of my vehicle. I feel they are trying to swindle me out of more money that I do not owe. I did contact XXXX  XXXX acceptance after this conversation and the manager assured me that my account had been paid in full.
Consumer complaint received 2018-04-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MO)

On the XX/XX/XXXX, @ XXXX l was inquiring about the Refinancing of my mortgage with a lender from Loan Depot and their Loan Rep. XXXX. 
Explaining to XXXX the purpose of refinancing and taking out addictional money for windows to be replaced in our home. 
On their recorded line as he stated to me after gathering particular name and adress, SS # and such further mentioning credit score and the extras, he was encouraging me to lock in my rate ASAP. 
I told him, l drive over the road and needed to get back in touch with him later that evening. 
Later that evening l recontacted LD and the same Rep. After 45 min. discussing the the refi he assured me we needed to get a rate lock at 3.25 annual percentage rate. And if I would accept {$14.00} charge to my bank account, being as a token of a good-faith gesture and we would discuss the matter in the coming days but the {$14.00} down was to get the rate lock at 3.25 %, which was talked into 3.75 % for my benefit of being able to save {$2000.00} on closing the loan, which l agreed it is more than what l 'm current rate is 3.65 % I followed up with the rest of the information insurance declaration page, mortgage statement, last two years XXXX, paycheck stub within the next three to four days. After completing that on the XX/XX/XXXX, so within a week from when I had originally talked with him. It seemingly in the last 2 days on the XX/XX/XXXX the annual percentage rate kept getting higher to what he's saying now will be like 4.65 %. When l initially filed for an FHA Loan, which he had said l could get more money out and a 85 % of mortgage appraisal. And now after having charged the remainder of the Appraisal Fee. 
Now calling on the XX/XX/XXXX, and stating do to policy changes with the FHA Agreement, he was unaware of those changes l would have to resort to a Conventional Loan and the previous interest rates would no longer be good and would move up to 4.65 % APR. 
This all seem confusing & frustating me, but it seems kind of sketchy and more it seems like it's kind of a bait and hook kind of an operation. I previously had applied through the Depot back in the XX/XX/XXXX but I don't know if there's retaliation or just predatory lending practices or maybe things are the way that they said they were. And that he was bad, like I'm bad, for having given you that information a week earlier. 
What else am I to do but check through the expert, or question these kind of practices.
Consumer complaint received 2017-08-11
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. (NC)

I have a rental debt on all 3 reports. XXXX recently removed the debt XXXX/2017 because it has been 7 years however TransUnion states the date for their removal is XXXX 2017 and XXXX stated the date for their removal is XXXX 2017. I am very confused if there is only one original delinquency date as reported by the creditor, why does the 3 bureaus report different dates.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (AL)

Upon checking my recent credit scores, I noticed the following company has been reporting misleading information to the credit bureaus. I am distressed to see that the following company has continued to report misleading information on my credit report. I have disputed this account several times however this account to my surprise is returning to me verified and to my best knowledge this information could not possible be correct. I also took matters a step further, and decided to contact NCS by sending them a letter requesting they either properly validate the debt they are currently reporting, or removed this account from my credit report. I have never received a response from the company directly and they are still reporting the account which is a violation of the fair credit report act - due to the fact that the company refused to comply with validation from this account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the creditor is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) or this account removed as soon as possible from all reporting agencies whom may be furnishing it. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2017-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (WA)

Payment was late- no denial of that. But made the payment on XXXX XXXX, used our XXXX acct., NOT the XXXX acct., which is closed. Their system at some point used the wrong acct., and even though it was corrected, they 're still claiming the acct. is +30. We redid all info on their system and they received the payment on Friday, XXXX XXXX. My major complaint is that Ally Financial-who are the note holder - called me at XXXX today, XXXX XXXX ( claiming that the payment is 37 days overdue, which it is n't ). I have told them on at least FOUR SEPERATE OCCASIONS that I am currently on the West Coast on PDT, NOT EDT. Each time they have called at XXXX or so I have reiterated the time zone I 'm in.
Consumer complaint received 2017-08-13
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. (LA)

I am filing this dispute against FedLoan due to the incorrect information that is being reported by Transunion and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These XXXX XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with Transunion and Equifax and I have received dispute results stating that XXXX verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and TRANSUNION to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XXXX.
Consumer complaint received 2017-08-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: TIDEWATER FINANCE COMPANY, INC. (MD)

To Whom It May Concern : I purchased a XXXX XXXX XXXX  from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX ) on XXXX XXXX, 2017. I was financed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ). While financing the vehicle, this company has placed my payment on another customers account and have called and harassed me multiple times about the payment that was made even though there were notes in the account that stated that they had to put the payment on the correct account. On XXXX XXXX, 2017, I received a notice from XXXX XXXX stating that I had a change in my credit report. When I checked the report XXXX had my account with Tidewater labeled as closed-paid and on XXXX it showed the same and stated that this loan was included in my Chapter XXXX  bankruptcy. With that being said, all of my payment history was erased and my credit score plummeted. This has caused me a tremendous amount of undue stress and mental anguish. Seeing as how this company has no regard for its customers or their credit, I would like for Tidewater to take possession of the vehicle that they have written off and not hold me liable for said loan since they have destroyed my credit. I would like all correspondence to be submitted in writing and all phone calls to cease. Any correspondence should be forwarded to myself as well as the Consumer Financial Protection Bureau for their records.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY XXXX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX FEDERAL COURT XXXX XXXX )
Consumer complaint received 2017-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX i traded my vehicle in at XXXX XXXX XXXX in XXXX Or. XXXX financed the loan through Chase Bank. i informed all parties I intended to add money to the loan when I returned for to reduce the payments. Upon my return to my California home on XX/XX/XXXX I went to the Chase Bank branch in XXXX XXXX and explained to representative XXXX what I wanted to accomplish with a deposit of an additional XXXX to my loan. We contacted the bank loan department where I received instructions that I complied with over the next 2 days. I was informed via telephone call that the loan was approved and I was advised to just deposit my XXXX against the loan. After finding out that was beyond my ability at home, I returned to the Chase branch, spoke again to XXXX, again we called Chase and after some discussion, XXXX was able to take the XXXX as we were directed to do, At this time on the phone with Chase I was advised that my payment would be aprox. 250.00 a month and I could start in XX/XX/XXXX if I wanted or wait for the 'letter ' and begin in XX/XX/XXXX. this was the extent of my conversation with Chase until i called Chase on XX/XX/XXXX to find out when my payment was due and where was the letter? I would have called sooner but I had a XXXX XX/XX/XXXX. On XX/XX/XXXX I was told by 'XXXX ' that the loan had been denied because their letter had not been acknowledged. I informed them i had never received the letter and through investigation with XXXX discovered that the letter had been sent to my physical address instead of my PO box as they had been instructed to use. Once this was discovered I insisted the penalties they were adding to my account were unacceptable as this was the Banks error. I was told by XXXX that they would be able to reverse those charges but that they needed me NOW to make one payment on the previous loan payment of {$560.00}, ( the singular motivation for my refinancing the loan amount ). I grudgingly agreed to reduce the XXXX deposit to XXXX and fund the single payment. On XX/XX/XXXX XXXX called me back to confirm what was done and then he transferred me to 'XXXX ' who then tells me that because they cant get the loan into the system by XX/XX/XXXX that Ill need to make another {$560.00} payment. I clearly objected to this as its been the banks errors that have facilitated this happening at all. Ive been a Chase customer for 20+ years, They have my correct addresses and telephone numbers in multiple file locations. I have watched the goal line move a few times with this and its all because Chase made mistakes. I accepted terms and complied with requirements in XX/XX/XXXX. I want all penalties removed, all negative reporting expunged and while I accept the reduction on the XXXX deposit for one installment I reject it beyond that point. Chase made an offer and I accepted that offer, I want Chase to comply with the terms as agreed. As a result I made a payment yesterday at the advertised reduced payment amount. I want the electronic file revised to reflect this as well.
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Allied Credit Consultants (FL)

The debt collection agency Roth-Morgan and associates called me posing as a lawyer, threatening to sue me if I do not pay the {$250.00} balance from an old bank account with XXXX. The debt is well beyond the Florida state statutes for theme to continue to collect on. They will not stop calling or threatening me with a law suit. None of their letters say anything about an attempt to collect a debt. They are violating the fair debt collection practices act.