davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

US Bank closed my account after one check bounced and sent me a notice saying they had frozen funds because of some claim I supposedly filed that was fraudulent. I never filed any claims with them they must've gotten that information from XXXX XXXX who had just closed my account with them over debit card claims they had already investigated and found in my favor but decided to reverse. I think this is ridiculous and on top of that they debited the amount of the bounced check twice and hit me with a bunch of fees after allowing scheduled payments to still go through.
Consumer complaint received 2018-09-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

My Formerly VA backed home loan was apparently sold several times and most recently it is being serviced ( Very Poorly ) by XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX18 I received a demand that XXXX demanded a certain amount of money to be paid directly to them at an address in XXXX? i called over 45 times and was given the run around, after filing a complaint they finally  contacted me giving me so many lying stories I could not keep up with the changing stories. 

As i learned XXXX has massive complaints, suit, and pending litigation for the same reasons i have complained they have changed the loan to ask for more fund and they demanded I use there insurance company, in short they are trying to defraud me and the US Banks and Government. 

I pay all my own homeowners Insurance as well as my property taxes all a year in advance and i have NO escrow account and they are trying to force one I have never agreed nor would i, I have demanded several times a full and complete AUIDT and LPO. I have never ever received my audit requested results, until i got a full audit I can NOT and Will not be threatened or forced to pay something i do not OWE.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (OK)

My mother open a credit card account in my name using my social security number the account was opened up in XXXX an it says I owe them XXXX dollars but I never applied for this card before an it destroyed my credit I need it removed from my credit
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUBURBAN MORTGAGE, INC. (AZ)

My mortgage was service transferred to XXXX almost two years ago. Suburban mortgage has continued to report this mortgage as open with them and now I have my mortgage counting twice on my credit report, which is affecting my debt to income ratio and my credit score. This inaccurate credit reporting has harmed my credit worthiness and impacted potential lending. This is predatory and illegal and must be fixed within 30 days, according to the Fair Credit Reporting Act. To be clear, I only have one mortgage, not two. Suburban mortgage has continued to report my mortgage, even though their reporting reflects no payments. Potential creditors are counting my mortgage twice due to this abhorrent error made by suburban mortgage. If this is not corrected within 30 days, and a written resolution is not sent to me advising that it has been corrected, I will be filing litigation against Suburban mortgage and will seek reimbursement for my legal costs and other financial impacts this error has caused.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am not able to have a freeze on my credit report permanently removed. I am in the process of applying for a new mortgage and need to allow prop spectate lender to have access to my credit report. The transunion employees I have gotten are very hard to understand and I am hard of hearing. I may have answered a question regarding my credit report but sometimes the questions were a little confusing or I was not able to understand them. I need to have the freeze on my credit report removed, immediately.
Consumer complaint received 2018-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TX)

Capital Accounts sent a collection notice to me on behalf of XXXX XXXX XXXX which was a previous disputed claim - the dental company was negligent and didn't send it to my insurance until after the filing deadline had expired. I paid it anyway on XX/XX/18 in the amount of {$790.00}. I called and talked to them and they said it would be posted and cleared from my credit report in 30-90 days. Now they have posted the collection again ( twice ) on my credit report as {$790.00}. This is a predatory practice. I have the bill showing the collection amount of {$790.00} and a copy of my ACH transaction showing I paid it on XX/XX/18.
Consumer complaint received 2018-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have had this account since XXXX. The loan was for XXXX. Today, XXXX, I still have a debt of over XXXX. I have been on the phone with the debt collectors countless times. I have provided my " financials '' at least three times with no change to my interest rate. When I ask for a decrease in interest rate or close my account, they offer to send me a packet of paperwork that I would be responsible to fill, provide necessary documents, etc. This paperwork requires a considerable amount of time and energy and is not guaranteed to yield any benefit. I have not been able to rise to the challenge of filling out these forms myself. 

My interest rate is XXXX %. My monthly finance charge is XXXX, plus late fee of XXXX. I am paying over XXXX a month and that does not make any dent in my overall balance. It is costing me money just to have a loan! I called today and spoke with a representative who informed me that since XX/XX/XXXX, I have accrued XXXX in interest. This, on an account I already have been struggling to pay for many, many years. I am afraid I am going to be stuck with this loan forever and I do not see any way out of the loan.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (LA)

I have been receiving repeated calls to my cell phone number from " XXXX XXXX '' about an " urgent financial matter. '' Each time, they ask to speak to a person who is not me. I have told them multiple times that I am not that person and to stop calling me, and I have received verbal confirmation that they would not call me anymore, but I continue to receive calls, including evening and weekend calls. The most recent calls were XX/XX/18 and XX/XX/18.
Consumer complaint received 2018-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (IL)

About 5 or 6 months ago, I purchased a mattress for {$400.00} from this place ( can't recall the name ) where I applied for credit to cover the extended payment process. They delivered the mattress before the approval came back ( on a Sat evening ) and on Mon morning, 2 days later, I received an email from Acima credit saying I was denied based on several factors. I contacted the guy I got the mattress from asking what was the next step and he told me to see how it plays out. So about 3 weeks later, these deductions started coming out of my account, which was no big deal, I just figured it would take the {$400.00} and we'd be done. But about a month ago now, a payment disappeared where they are trying to charge me all these ridiculous late fees around {$40.00} for a payment that was made. So I contacted them to find out if it could be resolved and asked how much I owed so I could get the thing paid off and be done, they informed me that I owe over $ 800+. I asked how I owed so much and they told me that I owe them for the original balance plus the 1 year lease and financing, to which I asked, how do I owe you for a financing plan that you denied me for? They are trying to tell me that they NEVER ever sent me a denial letter. I feel like there's something fishy going on and needing help figuring out what I am dealing with. I don't deny owing {$400.00} minus 6 months of {$18.00} per week, but how am I being charged for something I was denied for?
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was stunned once I viewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Consumer complaint received 2018-10-16
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. (UT)

ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report. 
Transunion has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity. 
There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-21
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. (TX)

I am registered .with XXXX XXXX. In the last10 days, I have receive multiple noticesof new inquires on my credit report from Transunion and XXXX. 
I have not consented any financial organization or automotive group to perform a credit inquiry. 
I am concerned someone is attempting to use my SSN.
Consumer complaint received 2018-09-21
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: Midwest Recovery Systems (GA)

I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Convergent Outsourcing Opened XX/XX/XXXX {$590.00} Midwest Recovery Systems Opened XX/XX/XXXX {$7200.00}
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I contacted this company on today 's date in reference to this unfamiliar debt. I told then I was a Victim of Identity Theft and I filed an Identity Theft Report with The Federal Trade Commission as well. They refused to validate the debt and tell ne what the Debt was for. 

I've also attached a Copy of The Identity Theft Report.
Consumer complaint received 2018-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote XXXX XXXX XXXX requesting documentation and record dispute while they have the opportunity to respond. I also wrote XXXX XXXX XXXX a second final goodwill attempt request for verification documentation on XX/XX/2018. XXXX XXXX XXXX has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that XXXX XXXX XXXX had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against XXXX XXXX XXXX, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

On XX/XX/2018, informed the credit bureaus that I had no knowledge of this debt and received an " accounts verified '' letter back. On XXXX, 2018 I asked for information on validity but never received the answer to my question. Portfolio Recovery sent me screenshots of what appeared to be a bill of the balance owed but didn't list any purchases or information verifying the account. On XX/XX/2018 I sent Portfolio Recovery a letter asking them to verify the accounts because they do not belong to me and sent them a form in which they failed to respond to. Instead, they continued to send the same documents that literally only have my name as personal information ignoring the fact that I am telling them there is a problem! I sent yet another letter out on XX/XX/2018 advising them they still have not validated these debts and it needed to be validated or removed from my account since the accounts did not belong to me. On XX/XX/2018 I sent another validation letter, and yet another one on XX/XX/XXXX and still nothing changed. On XX/XX/2018 I also reached back out to the credit bureaus again to advise them of the back and forth all because they are reporting inaccurate accounts on my profile, they responded with the same computer generated response.
Consumer complaint received 2018-05-01
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)

Hi my name is XXXX XXXX I am contacting you because once again XX/XX/2018 XXXX  credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (VA)

I paid off the account on XXXX. On XXXX it waa still showing delinquent I called the company and was advise they were not informed of the payment until XXXX and it will take 30 days to be removed from my credit. On XX/XX/XXXXits still reflecting as open and unpaid.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

LISTING : XXXX XXXX XXXX $ 600- {$670.00} BILL ( amount changes ) - more recently the amount was below {$200.00} Dear sir or ma'am, I have a balance billed XXXX XXXX  that was paid by insurance and verified multiple times through uploading my medical records, that is still on my Experian report and still ruining my credit.

I've provided a plethora of information uploaded including insurance documents.

It is only on Experian, and that is because the other two bureau 's are handling my personal information correctly.

Experian, you need to handle this and look after the consumer. I pay you. for your services and you won't budge on this. I submitted a receipt of the insurance benefits where it was paid! I have sent you enough documentation that it is borderline outrageous.

This debt was reduced in Experian to under 200 dollars, which I have proof of attached. It is back at XXXX now. Clear proof that neither the CA or collection agency knows what to do with a collections that is moot and ruining my credit.

Now I have visual proof of the amount changing, This is being reported incorrectly, immediately delete this from my credit report and stop damaging my credit.

This is causing other hardships as well,. You're prompt attention and detail to this is appreciated.

Please delete the information as quickly as possible.
Consumer complaint received 2018-09-21
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)

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Consumer complaint received 2018-09-21
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: SYNCHRONY FINANCIAL (IL)

On XX/XX/2018 I wrote to SYNCB/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote SYNCB/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.