davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I filed Bankruptcy ( Chapter XXXX in early XX/XX/XXXX ). It was reported to my credit report onXX/XX/XXXX  and listed as fully discharged on TU XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on XXXX, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. TU is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Clarity Services (CA)

Hi my name is XXXX XXXX XXXX, # I Got my CLARITY Services Inc, Credit Report for Year Back # there was So much = fraud & Theft, breach Contracts, for a lot of Accounts, I have Loss Financialy at the bottom I will show Amounts and Send Bank Docs by Thursday # The Clarity Services Inc, have Not Done a Good Job, theres so many almost all of report is wrong, fake bank accounts and fake phone numbers, Fake Emails, etc Names Wrong my ID SSN Wrong, this costed me $ $ Financialy Ok $ , I will Send All Paper Docs to you By Email Ok # Plus Bank Statements ok By # TRACKING # will be on Top Right Corner By #
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Im positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.
Consumer complaint received 2018-04-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

I have a Satisfaction Of Mortgage that Dates back to XXXX XX/XX/XXXX recorded with Register of Deeds here in XXXX Wi. Chase our Current Lender states not Chase Loan. I found that was a XXXX  XXXX XXXX Loan.I also found out that I have a S.O.M, with Chase Which is recorded with our Register of Deeds Here in XXXX Wi. 
on XXXX is fully paid and Satisfied, also certified by Register of Deeds here in XXXX Wi. Letter from office of Comptroller XXXX. S.O.M. 
loan started in XXXX, was paid off XXXX.Letter from XXXX XXXX XX/XX/XXXX XXXX XXXX Loan Holder , XXXX XX/XX/XXXX XXXX Balance . 
Note XXXX XXXX XXXX XX/XX/XXXX Wi. Statute XXXX { XXXX } XXXX { 10 } { A } Letter to Director of Civil Operations XX/XX/XXXX. Comments on XXXX? 
XXXX XX/XX/XXXX Mortgage Settlement Nothing from Them.. Wi. Law.. 
Housing Market Crash of XX/XX/XXXX. This is were our mess started.S.O.M. 
From XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX back to XX/XX/XXXX. 
A E-Mail from a Mortgage Analyst XXXX XXXX. That the Mortgage is Satisfied From Chase. This has been going on for Years.. I have paid Chase over {$60000.00} since XXXX. Refund? Or Just Close our Current Account paid in Full. XXXX Years Old, lost my Wife this past XX/XX/XXXX. 
XXXX years old.Lets Doe Something.??
Consumer complaint received 2017-07-05
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. (CA)

I have on three separate occasion in the past 90 days tried to call Trans-union to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.
Consumer complaint received 2017-07-05
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. (AR)

I filed a dispute on XX/XX/2017 with TransUnion. They did not complete the investigation within 30 days and still did not delete some of the items disputed. Under the XX/XX/XXXX rule the items which were two bankruptcies were supposed to come off my report. Not only because of the ruling but also for the fact they have taken over 30 days to complete the investigation. I have previously done investigations and they have taken as long as 60 days and still kept the items on my report.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIFTH THIRD FINANCIAL CORPORATION (NV)

I had a credit card through 5/3 bank and fell behind when I lost my job. The bank since then has constantly harassed me by calling at times when I have asked them no to call because of the time zone difference. Still the bank calls me on their Eastern time while I live in a pacific time zone. Further the bank got my bank account number from a payment that I made to them and randomly started withdrwling over {$600.00} each month that I would have to notify my bank that I did n't authorize and then pay the bank a stop payment fee of {$30.00} each time. This has been going on since XXXX of last year and regardless of me telling them to stop this they will not and continue to overdraw my account with each of these {$600.00} debits. Today they did it again overdrawing my account by over {$400.00}. I do n't know where else to turn since I have asked 5/3 to stop this to no avail.
Consumer complaint received 2017-07-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Hello my name is  XXXX   XXXX . This  is my story related to the loan for the house.Fuor years ago i did loan modification with  XXXX   XXXX   XXXX . Six months later loan been transfer to a Select Portfolio Cervicing Inc.From last year i have a another company  XXXX   XXXX   XXXX   XXXX .That company trying to selling my house on act ion two times.First time in last year, and second time couple of months ago.I 'm going to present a paper wor k wich is showing the new owners of the house after the action selling. This is a big crime for me and my family, because from this time we live in under a  XXXX . No one is informe officially with leather the house is going to be selling on auction. I 'm current with my mortgage payment and I do n't see the reason my house to be sell on action. I am so confused and I need to help how to get out from this situation. Thank you so much and I provide you my phone number to contact with me  XXXX   XXXX   XXXX .
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I was referred t o Santander Bank  by a friend and they were offering a  XXXX  for referring a friend to their bank. Also in the mail I received a promotion that if I opened an account they would deposit  XXXX  within 90 days of account opening. The account was opened on  XXXX / XXXX / 2017 . Within 90 days you needed to have a direct deposit of  XXXX  or more and within  3 we eks of the account being opened, a  XXXX  direct deposit was made which satisfied this offer. About 70 days from account being opened I received a  XXXX  gift card since my friend referred me. Now this was something you do on a website and they system notices an account was opened. When I opened the checking account, the banker placed the offer code in for the  XXXX . I recently called the branch and they said you could use both offers which I never was asked which one I wanted. This seems like a scan to bring in business and they you do not get what they promised.
Consumer complaint received 2017-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Manhattan Beach Venture, LLC (PA)

Harrasing phone calls from XXXX for a student loan I do not have. I have been out of school for approx. 30 years. I notified company to cease & desist. Company has ignored my wishes. Please contact company to stop unwanted calls and harassment.
Consumer complaint received 2017-07-05
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: Convergent Resources, Inc. (AZ)

Convergent Outsourcing responded to complaint :  XXXX  the representative  XXXX   XXXX  stated that the company would remove the account from my credit report.  <P/> Ive called the number she gave in her response to the CFPB and it was not to her Ive sent an email to the email address she gave and they have all come back undelivered.   I have called the convergent outsourcing number to have them tell me, the account is still showing on my report and " if it were to be removed it would be done in 45 days. '' In my earlier statement I told the CFPB and the rep from convergent that this inaccurate bill is negatively influencing my career, as maintaining good credit is a requirement.   In addition I told the CFPB of the   XXXX   continuing to fight with the company for repeatedly putting false information on reports and not adhering to federal law.  <P/> this company needs to be fined, stopped from practicing or sued!   if this inaccuracy causes me my career, I am suing.
Consumer complaint received 2017-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

I received a letter from the Transworld systems inc. collection agency for the amount of {$120.00}, for medication delivered to me at by address. I phoned XXXX XXXX at XXXX XXXX, They said the medication was delivered to XXXX XXXX at my address .They said the medication was ordered by a Physician not servicing my care and medication that I do not take or my private physician for over 20 yrs, has never ordered for me. Now they have put my name in collection.How can they order me medication that my primary physician did not prescribe, that is dangerous.
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Seed Consulting, LLC (MT)

XX/XX/XXXX XXXX  XXXX or SEED Consulting as it comes up on my credit card was at a convention in XXXX XXXX for XXXX XXXX XXXX  Mastery  Marketing Event. I attended because I already had invested our insurance policy/ money into this company. ( XXXX XXXX is now under investigation by FTC-XX/XX/XXXX ) I lay awake at night wondering how to pay off all this debt I have got myself into. I'mXXXX this was supposed to be a retirement plan, not a work forever plan. Going thru my tax info recently, I have realized if I had not got involved with XXXX XXXX XXXX I would not have the problems I have now. 
They actually helped me secure the cards/credit I put the " all in '' amounts to XXXX XXXX on. They ( XXXX @ XXXX ) made it seem so easy. I can still see him handing me the pen to sign up for their services. " XXXX is no problem for XXXX members, Many of them make way more than that '' ... I would have a year to get them paid, but a few months I should be seeing income. I was instructed to go along with my " projected income '' if any of the card companys call to verify my income .... $ XXXX more annual income than I make. I wish they were all like XXXX XXXX who declined the application because they found out it was third party application. That it was done for me. They actually called me. All the others were done the same, but XXXX was the only one who called me. ( kudos to them ) My credit Limits were high, at zero % interest. Only problem is XXXX XXXX is fraudulent. XXXX XXXX  was there for XXXX XXXX. They were ready secure credit for people to go all in and join XXXX. Now I am broke ( and can't afford the interest on these " great '' cards. I don't know what to do. I am trying to dispute all the XXXX charges but have only heard back from one card company. XXXX XXXX has reversed their charges. Thank XXXX.But that is only a fourth. If I could get a credit slip, XXXX XXXX would reverse XXXX   XXXX but they said it was more of a legal case. I got the service, just because it was deceptive wasn't their call. 
XXXX XXXX and XXXX XXXX ( XXXX XXXX ) have not even acknowledged my {$9600.00} each in dispute from XX/XX/XXXX paid to XXXX XXXX or XXXX XXXX ( XXXX ) Again thank you XXXX XXXX, your are # 1 There is alot of marketing expenses still on these other cards, following " the Plan '' I will never recover except as a hard lesson.
Consumer complaint received 2017-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I sent Account Resolutions  Services  a debt validation letter in hopes that they will furnish any documentation stating that the debt was mine. In response they sent me a letter basically stating " This debt is valid ''. There were no attached signatures stating I was in a contractual agreement with this company or the original creditor. I was not sent an itemized statement. I also asked if they could not furnish any signatures or contracts that it should be removed from the credit reporting agencies and they still are reporting negative information on my file. I would like them to provide this information or remove the negative information from my credit report.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DE)

I filed Bankruptcy ( Chapter XXXX in XXXX 2010 ). It was reported to my credit report on XXXX 2010 and listed as fully discharged on XXXX X/2010 and Equifax X/2010. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on Equifax, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. XXXX is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For sometime know whenever I 've tried to access my Credit Report they keep asking questions that has nothing to do with me.For Example : Mortgage Company that I have been with.I have never own or cosign for a home in my lifetime. This is one of the prescreen questions that has prevented me from accessing my credit report for the past 3 years.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

I 'm having lots of problems with discovercard. I file complaints with the cfpb.gov, they respond saying it 's all been found in my favor and I should receive my money back for those unauthorized transactions but in fact my balance and the dispute outcomes remain unchanged. These charges I have no knowledge of are now 6 months old without my being reimbursed. They periodically reverse their dispute decisions not in my favor and that is inexplicable. I do n't want my discovercard online account to say anywhere on it that a dispute was n't found in my favor. I 'm at least {$2400.00} light at the moment I would like to be spending that.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Please remove the folling account that arose from identity theft. XXXX XXXX XXXX XXXX is a fraudulent account im not liable for. Please delete and make sure a company calls my number before opennimg an account. XXXX
Consumer complaint received 2017-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of  XXXX  with  XXXX ,  XXXX  and  XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This morning, I was stunned to see incorrect accounts on my credit report. Im at a complete loss as to how this happened. I check my report regularly, but today, it was completely off with unexpected discrepancies. I refreshed the page thinking it could just be a browser error, but the wrong accounts were still there. Im pleading for the documents I submitted to be thoroughly examined so I never have to face this nightmare again.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Without any notice, Citibank closed and cancelled my Costco Visa Card. I have had the card ever since it was introduced and have had a long and mutually satisfactory relationship with Citibank for years. They somehow received mistaken information that they " previously had to close XXXX or more Citi accounts in [ my ] name '' and that is not true. So they closed this account with no notice and stole all my Costco dollars which I had earned. I would like the account reinstated as it was closed inappropriately and I would like the money I had relied on for my Costco purchases.
Consumer complaint received 2017-07-05
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. (AL)

RE : Re-Aging Credit Account FTC Compliant ( FCRA ), 15 U.S.C. 1681 e t seq.   XXXX  I disputed the account below as a re-aged account and received a reply from the  XXXX  credit reporting agencies stating that the account had been verified and is accurate.   The account was removed from my credit report in   XX/XX/XXXX , Seven 7-years after the date of first date of first delinquency. The collection agency updated the account on  XX/XX/XXXX , showing, the collection agency re-aged the account after the original creditors date of first delinquency in  XX/XX/XXXX . The re-ag ed debt is past the statute of limitations.   Please delete this re-aged account immediately.
Consumer complaint received 2017-07-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Loan Service Corporation (CA)

For the second time in the last two years Quality Loan Service Corporation has set my property for sale and engaged in egregious collection tactics. After the first time approximately one year ago, I sent this organization a cease and desist on the basis that XXXX XXXX XXXX have provided them with misrepresentations to give them the power of engaging in this action. I believe at that time that Quality Loan Service Corporation did the right thing and discontinued their harassment of me knowing that they had no legal basis to do so. XXXX has provided continual fraudulent documentation and misleading statements to Quality Loan Service Corporation in an effort to extort monies from me to which they are not entitled. There is no chain of title that is not clouded despite the efforts of XXXX to file fraudulent documents with the County recorder 's office. I am currently attempting to resolve the situation with Quality Loan Service Corporation to no avail. They continue to pretend that the documents provided are legitimate knowing that my intent will be to file lawsuits against them either pre-or post-foreclosure. This brazen disregard for the law should not be tolerated and Quality Loan Service Corporation should stop aiding and abetting a company that is having lawsuits filed in court every day, many of which are demonstrating that XXXX has a pattern of falsifying documents. Lastly, all of these perpetrators are relying on a pass through account as their basis for legal rights regarding my loan. I have proven to all of them time and time again that my loan has nothing to do with the XXXX XXXX pass through account to which they refer. Even XXXX XXXX has refused to offer any type of support to these criminal organizations to support their actions. On the contrary, XXXX XXXX requested in a directive to all " servicers '' to stop. However XXXX and quality are intent on making as much money as they can off of this chaotic situation.