davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
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. (MI)

Since XXXX XXXX, 2017 I have been in contact with all XXXX major credit bureaus to dispute inaccurate account and inquiries. I have an account with XXXX XXXX XXXX which is an auto loan that I still have the car am making monthly payments on onetime the bureaus are reporting as charged off collection account which is invalid ; the bankruptcy ; also all inquires not attached to an account over 30 days old needs to be removed as well all XXXX bureaus had a glitch were unauthorized.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sound Collection Services (WA)

XXXX credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is Sound Screening for an apt that debt occurred on XXXX XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/XXXX.
Consumer complaint received 2017-08-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I contacted USAA several times about charges that have dated back to XX/XX/XXXX. They recently mailed new cards to the wrong address and those cards were used.
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XXXX XXXX XXXX, for XXXX XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XX/XX/XXXX, 2017. Also, XXXX  XXXX XXXX is NOT licensed in the State of Florida to collect a debt. This debt is reporting FALSE information on my credit report, on XXXX, XXXX and XXXX. The collection amount listed on my credit monitoring site is for {$370.00} and I was never made aware of such debt in writing. This is a violation of the FRCA.
Consumer complaint received 2017-08-02
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. (MI)

Since XXXX XXXX, 2017 I have been in contact with all three major credit bureaus to dispute inaccurate account and inquiries. I have an account with XXXX XXXX XXXX which is an auto loan that I still have the car am making monthly payments on onetime the bureaus are reporting as charged off collection account which is invalid ; the bankruptcy ; also all inquires not attached to an account over 30 days old needs to be removed as well all three bureaus had a glitch were unauthorized.
Consumer complaint received 2017-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

XX/XX/XXXX New Jersey Higher Education Student Assistance Authority Re : XXXX XXXX Student Loan XXXX XXXX Amount : XXXX, XXXX To whom it may concern : I do not acknowledge the debt you claim I owe you. Any such claim that your are asserting is time barred by the applicable Statute of Limitations. Any further efforts or actions from you, or any communications to me, my family, or anyone regarding your claims may be a violation of the Fair Debt Collections Act, and if so I will look to pursue my rights. This debt which you claim that I owe is based upon a private lender XXXX XXXX and is beyond the Statute of Limitations. There was and is no communication from this private entity stating the debt was transferred or otherwise placed in the hands of another collector as required by law. New Jersey Higher Education has no legal right to collect upon this debt from a private lender. New Jersey Higher Education is also a private lender. Private lenders can not garnish your wages or levy your income taxes. Further, this loan was originally for XXXX, XXXX, in XX/XX/XXXX XXXX XXXX filed a claim with government and was paid for this loan by insurance. In XX/XX/XXXX New Jersey Higher Education filed a claim with government for XXXX for the same loan. Again I will state that by law inasmuch as this was a private loan that has already passed the Statute of Limitations and there is no communication from the original creditor namely XXXX XXXX, that the debt was transferred or otherwise place in the hands of another collector as required by law, you have no legal right to collect upon this debt. I look forward to hearing from you in response to my denial of this debt. XXXX XXXX
Consumer complaint received 2017-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This compnay started to contact me a couple years back saying i owe on multiple debts that I do not recall. I have sent them ans the credit agencys mutiple validation letters requestion proff these are my accounts. They havent showed me proof at all. they keep sendinf summarys of these accounts. they havent showed my the contracts for thr origanal debt or any significant proof i am assocaited with these 3 collections. I will like these accounts to removed from credit report.
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AL)

I am seeking your assistance with getting a response from Diversified Consultants regarding an account they are reporting on my credit file that is not mine. I have wrote Diversified Consultants on X/XX/17 requesting validation of an account that Diversified has  confirmed with XXXX on X/XX/17. As of this date, Diversified has not responded to my request to validate this account. I am certain this is reporting on my credit report in error because I did n't have an account with the company this agency represents which is why I requested XXXX complete a full investigation and further for Diversified to send me information regarding this debt.
Consumer complaint received 2017-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American Credit Acceptance, LLC (CA)

On XX/XX/XXXX I purchased a car from XXXX and American Credit acceptance financed my XXXX XXXX XXXX On XX/XX/XXXX I had a bad accident and my car was totaled my insurance company sent an adjuster out and the car was deemed a total lost they cut a check to American Credit Acceptance for {$7900.00} they are still harassing me for payments when my insurance company has paid them off Ihad full coverage and gap insurance ive called American Credit Acceptance for a whole week trying  to get them to send documents to Gap insurance and they have been giving me the run around puttingme on hold for hours sending me to the different departments but the right one different representatives  are giving me conflict information this company is a rip off i want them to close my account and quit harassing me.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CT)

On XXXX I bought a salad in the cafeteria of the hospital my mother was brought to when she had a XXXX XXXX. The cashier told me she accidentally charged me {$41000.00} for the {$11.00} salad. I immediately called Chase and told them. They assured me the charge did not go through, that it could n't have gone through anyway because I only have a {$9000.00} limit and that I would definitely get a phone call if an amount that large was being charged as it would trigger the fraud department. On X/XX/17 I logged into my account to see that the {$41000.00} WAS in fact charged and no one from the fraud department notified me. I called Chase and was told that they would need to investigate the dispute since it was such a large amount. They told me that I should call XXXX hospital to resolve it. I have called XXXX multiple times and they agree it was not a correct charge however they are waiting for their bank to get back to them. In the meantime all of my automatically charged bills are getting rejected. When I asked Chase why they allowed this charge to go through they said that they allow purchases to go through to prevent the person charging from " getting embarrassed ''. So now I am being held financially hostage because they let a hospital cafe charge me four and a half times my credit limit for a salad. Can you please help me get this resolved? This is causeing huge issues for me while I 'm also trying to take care of my mom while she is having XXXX XXXX XXXX. Thank you.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. XXXX has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and XXXX XXXX and hours of hold times with XXXX, I have not been able to resolve this on my own. XXXX XXXX has also hung up on me twice over the years trying to resolve this.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNTRUST BANKS, INC. (AZ)

Suntrust Mortgage is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In the fall of XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. Suntrust has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and Suntrust Mortgage and hours of hold times with Suntrust, I have not been able to resolve this on my own. Suntrust Mortgage has also hung up on me twice over the years trying to resolve this.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$620.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX {$9.00} I have filed multiple claims with Regions Bank theat the above transactions were unauthorized. All these transactions were made in a different state from when i live. They refused to refund the money to my account, stating I was responsible. I have filed a police report and sent Regions Bank supporting documentation. I was awarded a temporary credit but not for the 3 largest transactions.
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I just would like to start off to say I am a victim of identity theft and I was noticing when I pulled up my credit report that I had a collection agency on there that I 've never done business with ever in my life ccs collections. They are collecting for XXXX XXXX company which I 've never did business with in my life. A few years back my identity was stolen and social security card and everything. I have tried to dispute this many times but the company is violating my consumer protection rights under the FRA Act. Please have them remove this off my credit and delete it I have not done any business at all with this company and I know for sure that I 've never had XXXX XXXX as well this is all fraudulent and I would like this to be removed immediately thank you the next step would be taking this to the attorney general office to file charges on the Creditor company of the LLC and member of management for violating my consumer rights.
Consumer complaint received 2017-08-02
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. (NY)

On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage Company I want to know if the following actions taken by this mortgage company are legal : 1. As of XXXX 2017, the company charges {$5.00} to process my payment online. The payment is not late. 2. When XXXX XXXX XXXX sold my loan to Carrington, the company raised the amount that I need in escrow two years in a row. The excess funds are returned to me at the end of the year, which indicates that I am being charged too much. 3. I was told that the only way I can get a new mortgage company is to refinance. I am within the last 10 years of my loan, so I do not want to refinance to a 15-year note. This is a terrible company that is not responsive to its customers. Just look at all of the complaints online. Can anything be done?
Consumer complaint received 2017-08-02
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 — Was not notified of investigation status or results
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (PA)

After leaving a dental office at XXXX XXXX XXXX earlier in the day, I visited the office of XXXX. ( XXXX XXXX ) on XXXX XXXX for emergency tooth extraction. .While there and filling out the paperwork, while heavily medicated, I think I was duped into signing up for this credit card. There is NO way I would authorize a {$1700.00} credit card account, nor want or need this credit acct. when my employer 's dental plan was paying for everything. I just think there is some very unethical and very unprofessonal billing practices and receptionist work going on at this facility ( XXXX XXXX
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

This complaint is in regards to a XXXX XXXX Credit Card issued by Comenity Bank ( XXXX XXXX XXXX, XXXX, OH XXXX ) Our primary complaint goes back to XXXX-XXXX-17 when we paid off our card with a payment of {$49.00}. The payment was credited to our account but we received a {$2.00} minimum charge on XXXX-XXXX-2017. We paid this in good faith on XXXX-XXXX-2017 because we pay our bills. Then Comenity Bank assessed a late fee of {$4.00}. This created a minimum charge of {$2.00} on XXXX-XXXX-2017 then they assessed us a Late fee of {$8.00}. All of these charges were assessed after the entire bill was paid and the minimum finance charge was met.
Unfortunately on XXXX-XXXX-17 we made a purchase of {$100.00} thinking there were no charges on the account. Then on XXXX-XXXX-2017 we 're were assessed a {$2.00} minimum finance charge. Receiving our statement we were surprised to learn we in total we owed assessed charges of {$14.00} plus an additional {$4.00} charge to equal {$18.00} to our account between the moment of paying off the account on XXXX-XXXX-2017 and the minimum residual balance of {$2.00} on XXXX-XXXX-2017. We spoke with the credit card company and were unable to receive any credit against the assessed charges so we paid {$14.00} on XXXX-XXXX-2017 to bring the account current. Our dismay caused us to close the account immediately ( XXXX-XXXX-2017 ). We offered to pay the remaining balance immediately but Comenity refused to take this payment due on that day because, " they are not allowed to take two payments with the same debit card on same day. '' We did make the final payment on XXXX-XXXX-2017 of {$100.00}. To our surprise we received a new statement with a {$2.00} minimum charge for " trailing interest '' on XXXX-XXXX-2017. Upon receipt of this statement we called Comenity Bank customer service. The first representative refused to remove this charge calling it " valid ''. We were referred to a second representative who also refused to remove this charge. We requested further review and received the threat, " if you want to speak with someone else you will have to wait at least 20 minutes. '' We were then informed it would be less hassle if we just paid the {$2.00}. We persisted in waiting for the third representative who reviewed our account and the previous tapes and decided to offer the {$2.00} credit to reconcile the account. In all we were on the phone approximately 50 minutes. During our wait we realized the statement declared we had been charged a total of {$49.00} for fees during 2017 and {$6.00} for interest ( although most of this were {$2.00} minimum charges ). This credit card company is dishonest to the core. I am surprised they are even allowed to stay in business. This is our second time dealing with this bank and they are the ONLY bank to tarnish my credit report for unpaid balances.
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

It 's very lengthy. To start my loan was being serviced by XXXX XXXX XXXX, after 5-6 years of trying to get a modification, 2 short-sales, than deed in lieu, we finally decided to do deed in lieu, they offered me {$10000.00} for cash for keys. ( Please note that I had a cash buyer through the short-sale and they ( mortgage company ) would not sign the papers in a timely manner and the people walked from the deal twice! ) After going through months of trying to close on the deed in lieu though XXXX XXXX XXXX ( XXXX ), my loan was transferred to Bayview Loan Servicing. They picked up where XXXX left off on the deed in lieu, but they said I could not get {$10000.00} it would be {$3500.00}. 1/2 when I sign the papers and 1/2 will be mailed to me. After months of going through the same procedures with them I was told the deed in lieu was approved, in XXXX, 2017. I signed the papers in XXXX, 2017 and they sent a notary to the house, they said he would have the check in hand, and I would have to sign for it, he did not have the check. To date I have not received any money from them. I followed all their instructions and they will not return my calls. The last I heard it was coming in the mail. Also I have not received any final papers saying the house was transferred out of my name and back to the bank.
Consumer complaint received 2017-08-02
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 — Was not notified of investigation status or results
Company: Pinnacle Credit Services, LLC (CA)

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.