davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
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)

I disputed these Items several times with Transunion did not comply with my certified 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (VA)

ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites.
Consumer complaint received 2015-08-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (VA)

After a lengthy battle with Santander consumer USA. I filed several complaints with the office of the president, most recently I was working with XXXX from the office of the president. We came to a settlement agreement for the vehicle to be paid off for {$7200.00}. Well above the total that the maturity date would reflect. this vehicle was sold on XXXX/XXXX/XXXX to XXXX. Santander processed the payment on XXXX/XXXX/XXXX. After Santander received the payment and after I disputed via e-mail and speaking to XXXX directly, I continue to receive statements and when I call my account is still open, my credit report is reporting it as open, And as recently as XXXX/XXXX/XXXX I received another statement and they have increased my maturity date and charged me payments and interest ( after the account was paid and should be closed ), This is a breach of contract! I was over charged via deception ( the requested balance did not match the previous maturity date of XXXX, so they changed the maturity date to XXXX on the XXXX statement, after the car was sold. They breached our settlement agreement, reported harmful and erroneous information on my credit report, causing harm to my income/debt ratio. I reached out to XXXX on XXXX/XXXX/XXXX to correct this matter, he failed to do so, he breached our contract and the deception only increased. I now feel that the overage I paid of {$2400.00} should be returned to me. Previous balance {$360.00} X 13 months ( maturity date of XXXX ) totaling {$4700.00}. {$7200.00} ( amount paid by me ) - $ XXXX {$2400.00}. My credit report needs to be updated and I would like a correct statement sent to me as closed and paid as agreed.
Consumer complaint received 2015-08-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (FL)

On XX/XX/XXXX I had an XXXX performed by XXXX XXXX XXXX. This procedure was covered by my medical insurance ( XXXX ). I provided XXXX XXXX XXXX my insurance card and the procedure was performed. 

Months later I received a bill for the above procedure. I called my medical insurer provider to inquire why. According to my medical insurance provider " XXXX XXXX XXXX sent the bill to the incorrect address '' therefore the bill was not paid by my insurance company. As per my insurance provider they provided the XXXX XXXX XXXX the correct billing address. '' I also called XXXX XXXX XXXX and provided the correct billing address just to make sure they had it right this time. From that point on I did not hear back from XXXX XXXX XXXX. Based on my conversation with my insurance provider it appears that XXXX XXXX XXXX submitted the bill on three different occasions, all three times to the wrong address, they had also submitted the bill past the one year filing limit. 

Sometime XX/XX/XXXX, XXXX XXXX XXXX reported to the credit reporting agencies that I had an unpaid bill ( this now shows in my credit report as a " collection '' ). I only became aware of this after checking my credit report, something that I do on a regular basis. At that point I contacted my insurance provider and the collection agency in order to determine why this was happening. I spoke with the collection company and explained my case, providing them all the background information. This did n't work. I have received several calls with intimidating tones and innuendos from the collection company. Many of these calls are during my work hours and are harassing in nature. 

Attached is the " explanation of benefits '' from my insurance company. In the claim summary, under " member responsibility '' it clearly show that I 'm not liable for the amount, Further down in the explanation section it also shows ( item TFO ) that the service provider, XXXX XXXX XXXX submitted the claim past the filing deadline. 

I believed this now a matter between XXXX XXXX and XXXX XXXX XXXX. I 'm in no way involved since I 'm covered for this procedure and I paid the required amount based on my health insurance coverage. I feel that this in unjust and unfair and that XXXX XXXX XXXX through its collection agency has damaged my credit, negatively impacting my financial future and potential transactions, and also possibly placed my job in peril as I 'm required to undergo periodic background checks based on my present position.
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK (CA)

This is in reference to DISCOVER FINANCIAL credit card # XXXX in the amount of or close to {$12000.00} has far exceeded the XXXX time statue since there has been no activity, payments and or dialogue affiliated with this account in more than ( 6 ) years. I would like for Discover Financial to contact Experian and or other credit agencies to remove this negative Mark from my credit report immediately and or to issue me on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO TO PERSUE LEGAL REMEDIES. 

DISCOVER FINANCIAL ( their account # XXXXADDRESS : XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXXPhone : ( XXXX ) XXXX
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

On XXXX XXXX,2016 a hard hit inquiry was placed on my XXXX  report due to a fraudulent application " cominetycapital/XXXX ''. I have called numerous times to have them contact XXXX to remove this inquiry and nothing has been done. They now tell me they ca n't locate an application for me and an account was never opened so it should not be on my credit report.
Consumer complaint received 2017-07-26
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. (MO)

Hello to whom it may concern, Under the new law effective XXXX XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time XXXX equifax nor XXXX is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (NY)

Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named Enhanced recovery corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no XXXX answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.
Consumer complaint received 2015-08-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank sent an offer letter to settle a Home Equity Line of Credit for less than the original amount. 

Settlement term was to " Cancel any any outstanding balance on the account '' Settlement payment was sent to and cashed by Chase Bank. However, settlement term was not honored because balance still shows on credit report.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

I have been off work sick for over 2 years and we got local provider to help us out and they have almost XXXX dollars to give to catch us up on our mortgage. We have had the money sitting since XX/XX/XXXX, our account would have been current since then if anyone were able to do their job correctly! 
we and the person with the money has tried to no avail to get someone to send a XXXX to them so they can release the money no one seems to know how to do their job and all I 'm doing is being put on hold and switched around from person to person. 
no matter which XXXX XXXX or XXXX number they give me it directs me back to my loan specialist who is out of town on vacation for a week and when the week is up so are the funds that were given because no one knows what is going on at wells fargo and we can not get ahold of anyone at america 's servicing company.
Consumer complaint received 2017-07-26
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. (NY)

XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your help.
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (FL)

Reported negative credit without a debt validation letter From Midland Funding LLC. 

Debt Collector sends all letters and communication in XXXX language only to purposely confuse me. 

Repeated demand letters to Midland Funding to send communication s in XXXX result in further communications in XXXX from Midland Funding in order to confuse me. 

I am A USA Citizen speaking USA XXXX only. 

My reputation has been tarnished by this company, My ability to obtain low interest loans and leasing and automobile for work has been compromised. Insurance companies, Employment has been compromised due to low credit score due to Midland Funding LLC violating collection law.
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rushmore Service Center, LLC (PA)

This is my XXXX submission. This is not an issue for the FTC. It is a violation of the FCRA Section 623 ( a ) ( 1 ) ( a ). I settled this debt with Rushmore for my XXXX card. I disputed it with the credit bureaus..they sent the dispute to XXXX XXXX and they simply applied the settlement to the balance and left a balance on my credit file. This is willful negligence of compliance with the Fair Credit Reporting Act. CFPB is an entity that enforces these violations.
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems Inc. sent me a collection letter advising me of a debt they claim is mine in the amount of {$510.00}. 

I have been a victim of identity theft and this debt is not mine nor do I know who " XXXX '' is. I 've enclosed copies of my police report of identity theft.
Consumer complaint received 2015-08-12
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (VA)

I purchased a {$500.00} gift card at XXXX VA. The transaction was approved and went through, but when I later tried to use the card, I found out the card was frozen. Someone had tried to use the card before I had bought it at the store. The {$500.00} was never loaded onto the card. I was asked to fax in information on XXXX XXXX, which I did. I was told someone would reach out to me, but nobody ever did. I finally called in and was told I needed to scan the receipt as well. I went ahead and did that. I 've called in every single day since, and they ca n't even confirm they 've received my fax. Still, nobody has reached out to me. It 's now past the 7-10 business days timeframe I was given. I just want a replacement {$500.00} gift card. I 've already had to pay the credit card charge and now I 'm in financial duress because of this company 's failure to respond in a timely manner to gift card fraud.
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

I have received a 100 point reduction in my credit score from XXXX. When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX convergent outsousing.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to convergent. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling convergent again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with XXXX and explained that I never received an itemized bill from either XXXX or Convergent. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to dispute a collection posted in my credit report from XXXXI had an account with XXXX until XXXX XXXX on that date closed the account but they said it was an outstanding balance. I did not agree with the that but XXXX started calling me every day and send me letters and finally they sent the information to credit bureau. when I saw this I decided to pay that amount so in XX/XX/XXXX I made two payments, the first for XXXX usd made by my credit card XXXX XXXX, the second for XXXX usd made using my debit card XXXX XXXX XXXX. Despite having paid comcast he continued calling me and sending me letters demanding payment. In XX/XX/XXXX I made a dispute and they temporarily removed the information from my credit report. Later I received a phone call from an agent telling me that XXXX was not able to find the payments so I send them the statements of XXXX transactions. This month comcast appeared again reported the debt to the credit bureaus even when I sent my payments proof. I would like to know where are the payments that I made. Even if I paid again what security i have that the same will not happen.
Consumer complaint received 2015-08-11
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Advantage Collection Professionals, Inc. (GA)

Debt collectors have repeated called myself, my fiance and my grandmother looking for a family member whos address and phone number they have for a debt that is not mine or ours. when asking what the issue is in regards to or where they are calling from they hang up.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (GA)

SunTrust received payoff on XX/XX/XXXX via wire from our closing attorney ; however the payoff was not posted until three days later, on XX/XX/XXXX, with XX/XX/XXXX as the effective date of payoff. The payoff statement from SunTrust clearly states wires received by XXXX XXXX are posted the same day. My wire confirmation shows that the wire was sent at XXXX XXXX allowing ample time for the funds to be received by XXXX XXXX.  Payoff did not post the same day and I was charged three extra days of interest by the time it did post. I contacted SunTrust by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after checking online daily, and via their secure email site following that, and am still waiting for them to 'research ' the request and refund the interest for those three days. I was first told the wire room was understaffed, which is the reason given for not posting the same day, but that the payoff would post as of the correct XX/XX/XXXX effective date. Next I was told that because the loan had two parts ( former restructure ) it took two days to post the payoff but that it would be effective dated to the XX/XX/XXXX for both parts of the loan. Finally when I saw online that the payoff had posted and that it was not backdated to the date wire funds were received, I sent an email to SunTrust via online secure mail site. That was been two weeks ago with an email 2 weeks later saying they are still researching my request.