davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I moved from my last apartment on  XXXX   XXXX ,   XXXX  . I paid the bill we received in  XXXX  but nothing after that. However, I see that {$110.00} has been sent to collections and is a negative mark on my credit report. I called in  XXXX    XXXX   to close my account so I do n't know why I was ever charged for months that I did n't live in the apartment. I have a lease to prove that I was not in the apartment for the charges ( {$110.00} in  XXXX    XXXX   ).     I contacted  XXXX   XXXX  but they refused to do anything about it unless I could provide written proof that I contacted them to shut off my account in  XXXX    XXXX  . I did this over the phone so I have no  paper trail.
Consumer complaint received 2017-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX  's client  XXXX   XXXX  is an identity theft victim. Someone used his information to try and establish several credit accounts,  one  being with  Capital One.  A fraudulent application was submitted and  Capital One  generated an inquiry with each of the  XXXX  credit bureaus  XXXX / XXXX /  XXXX   from  Capital One .  XXXX   XXXX  notified  Capital One  of the fraudulent attempt and requested the application be stopped and the inquiries be removed. As of  XXXX / XXXX /  XXXX   the inquires remain with the bureaus ;  XXXX  has attempted to dispute the inquiries as fraudulent on behalf of our client as outline in the FCRA however  Capital One  is preventing third party assistance and is still reporting the inquiry data after being notified it is fraud related, which is a violation of the FCRA.
Consumer complaint received 2017-06-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (GA)

In XXXX of XXXX. I purchase a XXXX XXXX XXXX from a local Georgia dealer. Chrysler Capital financed the purchase. My business finances took a sharp nose dive which in turn affected how and when I could pay my bills. XXXX XXXX, the vehicle was repoed with Chrysler Capital selling the vehicle for approximately 19,000 give or take which left a balance of XXXX. Fast forward to XXXX when an inside collection agency within Chrysler Capital sent me a collection notice for XXXX. I contacted and use an attorney to deal with the matter. Attorney sued and won a judgment against XXXX XXXX. Chrysler Capital and their collection agency should have stopped their collection attempts. Instead Chrysler Capital has added this fictitious balance to my credit reports as of two weeks ago. They are in totally violate the FCC rules and regulations. Thank you.
Consumer complaint received 2017-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TCF NATIONAL BANK (NY)

I have used car Gateway One Lending & Finance company. Account number XXXX. And I am strangle with spelling my last name spelling and address. Calling again and again trying update my last name and address. Please help me update my last and fierst name and address. Thanks. XXXX XXXX
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc. (IA)

Seterus has mishandled my funds. They have entered over 300 entries to my account instead of just 12. The resulting errors which are obvious by the amortization schedule. As a result, Serterus has falsely reported information to the various credit agencies. It does not reflect my exceptional payment record, reports delinquent amounts and overstates my balance. Seterus refuses to accept the amortization schedule and yet will not provide me anything, other than 30 pages of false entries made to my account. They have manipulated a simple entry.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from  XXXX .
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This complaint is being filed against Trans Union in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX with Trans Union on XXXX different attempts to correct their inaccuracies. However, Trans Union have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Trans Union claiming the account verified how was it verified and by what method did they verify? Why cant they provide me with the original signed contract, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on fourth occasion. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,
Consumer complaint received 2017-06-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I deposited a check on XXXX/XXXX/XXXX for XXXX check was cleared and available in account XXXX/XXXX/XXXX. HSBC closed my account XXXX/XXXX/XXXX and left my money awaiting claim for XXXX on said date. I has a balance of XXXX dollars before check deposited. When I reached out to the bank my account was set up at the bank was closed and all information was carried over to designated branch. I called customer service and they advised me that the money was in unclaimed funds. When I reached out to unclaimed funds they stated since the account had activity in it the same year it was closed the processed of abandon properties did not go into affect. Advised HSBC of the information they do n't seem to know where the money in my account is at or how to find out where they put the funds in my account before and after the deposit. I asked for the paper trail of where my money is at for banks suppose to keep records for 7years and no one can provide me any information on where is the funds.
Consumer complaint received 2017-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

I first received notice by mail about nonpayment on the account some 69 days when past due, I am a cosigner on the loan, I called navient to try and get some answers as to why they took so long to notify me of the account being late, I spoke to some person named XXXX, with no satisfaction, I then asked to speak to a supervisor, I was placed on hold for approximately four minutes and the telephone went dead, I tried three time to reconnect but I received a message I could not dial the number listed, I am not trying to avoid my responsibility just the fact that they did not notify earlier so I could take a more corrective action, as a result of their poor business practice, my credit score has dropped well below my average, my reasoning for this action is I would like to have that late payment removed my credit account
Consumer complaint received 2017-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XX/XX/XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XX/XX/XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XX/XX/XXXX. XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC (FL)

I have been called twice to my knowledge from phone number XXXX and it is a recording from XXXX XXXX stating " federal law designates this matter '' stating failure to respond. She said the company is Direct Recovery Services. I am consistently checking my credit report and I am aware of any accounts I have in collection and with whom they are with. There is no DRS listed. They have started calling previous friends and co-workers. This is extremely aggravating and embarrassing for friends and co-workers to deal with. I have no idea how they are getting their numbers especially since I have n't spoken to the previous friends or co-workers in approx. 3 years.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (VA)

My mortgage was sold to Shellpoint Mortgage 2 years ago by  XXXX   XXXX   XXXX . Shellpoint states on invoice that payment cut off is the  XXXX  of each month. In order to get credit in a month one must send in the prior month, or they wont process till the  XXXX  of each month.Thus, in my case  XXXX  penalty fee.  XXXX  my check was mailed the  XXXX  of  XXXX , cashed on the  XXXX , by Shellpoint.You will see this in my history. They are a predatory debt collector.
Consumer complaint received 2017-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

On Friday XX/XX/XXXX I called Navient and spoke with XXXX # XXXX. I have been struggling to pay my loan for years now and given recent financial issues have been delinquent since XX/XX/XXXX. When I called on XX/XX/XXXX I  was told that I could get on a rate reduction plan which also extended the payment terms. The plan offered a rate reduction from the current 4.5 % to 2 % extended out to 12 years. I was told this would be a 15 month plan and at the end of the 15 months we would need to re-evaluate based on income. The new monthly payment amount would be {$170.00} which would be automatically deducted from my checking over the next 15 months. I specifically asked if I made the first payment that day ( XX/XX/XXXX ) if that would bring me current and we could move forward with a clean slate. The representative said yes it would and then processed my payment. On XX/XX/XXXX I logged on to make sure the {$170.00} processed and brought my account current. Upon login I saw that the {$170.00} had posted but I still had over {$1000.00} past due. I immediately called and spoke to XXXX XXXX # XXXX and she told me that the account will remain in past due status until XX/XX/XXXX or 3 months of on time auto drafts of {$170.00} and that the delinquency will continue to be reported to credit agencies. I explained to her that this is NOT what I had agreed to on XX/XX/XXXX when I had spoken with the other representative. EVERY phone call and interaction with this company is always negative. The information is constantly changing, options for repayment are consistently changing/no longer an option. Even changing representatives on the same call offer different options and/or say different information. There is absolutely no consistency and I feel like I am being lied to and taken advantage of. The harassment of being late is like nothing I have ever experienced. They call up to 10 times a day and reach out to relatives. It is beyond embarrassing to know that you are trying the best you can just to put food on the table let alone keep up with debt obligations that never seem to go away and only ever compound.
Consumer complaint received 2017-06-21
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. (IL)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Account to be removed : XXXX XXXX & XXXX # : XXXX
Consumer complaint received 2017-06-21
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. (FL)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX  with no success. They have refused to update information. Accounts to be removed : XXXX XXXX : XXXX, XXXX XXXX # : XXXX, XXXX XXXX Unknown, 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 : Unknown XXXX XXXX XXXX XXXX XXXX Unknown , Tax Lien 3 XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at XXXX XXXX.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NY)

Midwest Recovery Systems is reporting to my credit reports that I owe {$370.00} for a XXXX XXXX XXXX XXXX membership I never had as of XXXX XXXX, XXXX. This debt is not mine and I want them to remove their reporting from all of my credit reports. I have sent them two letters in the past 30 days ( the first letter was sent on XXXX XXXX, XXXX ) and they have not responded. I have also filed a complaint with the Better Business Bureau against them.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Back in XXXX I ordered a computer from XXXX for a family friend. I was excited and it was for his birthday. Because it was shipped to his house he told me if it would be okay if he asked the carrier to leave it by his side door because he wont be home. So he did that. When he got home the package was gone. I called XXXX and they were no help, they said it was our fault we did not have it. I filed a claim with Chase because I did not know what to do. They gave me a temporary credit and said they would research the claim. Today XXXX XXXX they said they will reverse the claim because my claim was invalid and XXXX was correct, I do not have the item because it was never received. Now I will also lose the money. Please advise.
Consumer complaint received 2017-06-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (CA)

To Credit Acceptance Corp XXXX XXXX, XXXX RE : Repossession and Disposition of Vehicle VIN : XXXX This company is in violation engaging in a repossession without written notice, without a timely letter to inform of the repossession, how to retrieve the vehicle in a timely manner and predatory loan practices. The vehicle was repossessed in XXXX of XXXX, I never received a letter until XXXX XXXX of the sale of the vehicle with the amount remaining of {$6400.00} This company is currently under legal dispute for the same issues in a class action lawsiut
Consumer complaint received 2017-06-21
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc. (TX)

I received a copy of my credit report and noticed Account control technology reporting negative. I have no idea who they are so I looked them up on Texas Secretary of State website and found out the company is NOT bonded or licensed to collect in the state of Texas and they are in violation of Section 392.102 of Texas finance code reporting rules. ( See attached ) Secondly when I called the agency and gave them the account number my social did n't match what they had on file so I was unable to discuss the what 's but moreso why 's of why this account is reporting on my credit report. Prior to reporting I never received any correspondence about this alleged debt from Account control technology. I sent a vertification letter with no response.
Consumer complaint received 2017-06-21
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. (GA)

Been contacting XXXX via phone, fax, and written letters to request deletion of account/ information that does n't belong to me ; also to report positive account was advised via phone on numerous occasions issue would be resolved and updated it has been over 60 days and invalid information is still be reporting. The following accounts need to be removed State Lien/Judgment # : XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX # : XXXX, XXXX  XXXX # : XXXX, XXXX & XXXX # : XXXX, all medical collection, all inquires/ alias names : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX , XXXX , XXXX,  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX the following address : XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXX , GA ; XXXX XXXX XXXX XXXX , GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2017-06-19
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: SYNCHRONY FINANCIAL (IN)

I mailed a letter to SYNCB/ XXXX  on  XXXX   XXXX ,  XXXX  about an unauthorized inquiry on my  XXXX  credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them.     The company sent a letter back, dated  XXXX   XXXX ,  XXXX , saying the inquiry was as a result of an application from  XXXX   XXXX ,  XXXX , which I did not do. They failed to send any documents to support their claim.     I requested the inquiry to be removed from my credit report and they failed to do so.