davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GLA Collection Company, Inc. (KY)

I have reached out to this company 4 times in the past XXXX months about validating XXXX debts that are showing on my credit report. There has been no response from this company what so ever. I will attach my fourth letter.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Management Systems Inc. (CA)

To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on X/XX/17. As of today X/X/17 the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency Southern Management and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Check from tenant rent of {$870.00} deposited into Bank of America ATM XXXX/XXXX/XXXX Drawn from XXXX Bank XXXX banks located in MA XXXX on HOLD until XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX states " paying Bank information indicates item may be returned '' This information should have been given prior to completing this deposit I would have cancelled the deposit and gone to paying bank for cash or informed tenant I now have {$870.00} virtually seized for at least 10 days without any warning and can not discuss this with tenant until this issue is resolved If I do not act quickly there will be all types of overdrafts from using these account If the ATM can act this quickly to hold funds it could inform me prior to completing deposit
Consumer complaint received 2017-09-05
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. (WI)

XXXX XXXX reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the XXXX XXXX was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

My complaint is about XXXX XXXX XXXX XXXX XXXX XXXX ( a collection agency ). For about 3 years I 've disputed 2 items they are entering into MOST ALL consumer reporting agencies in the U.S. ; namely the 3 major credit reporting agencies and tenant screening consumer reporting  agencies. The 2 items I 've disputed myself and through an attorney are as follows : 1. XXXX
2. XXXX XXXX XXXX. 

The above items are NOT MINE! Even though they are NOT MINE, I 've proffered an " Offer in Compromise '' in order to remove these items from ; a ). the 3 national consumer credit reporting agencies - XXXX XXXX and XXXX, and b ). from all tenant screening consumer reporting agencies. At this juncture, I 've rescinded any offer in compromise as FCO refuses to remove them. I believe this violates my protections under the FCRA, FDCA, and because it is more than 3 years old and outside the statute of limitations for DC denies me fair access to housing in the District of Columbia. I want the 2 above items REMOVED IMMEDIATELY w/WRITTEN CONFIRMATION from ALL consumer reporting agencies in the U.S.
Consumer complaint received 2017-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I do not have a signed contract nor any contract with PHOENIX FINANCIAL SERVICES LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with PHOENIX FINANCIAL SERVICES LLC. 

Also per State of Florida XXXX XXXX XXXX XXXX you must be licensed and bonded in the state of Florida to collect. 

Please see attachment showing this company is not licensed nor bonded in Florida.
Consumer complaint received 2017-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

i have been trying to take my money out of coinbase but they would simply not let me. Coinbase keeps saying that I need to verify my address and such information and which is what i have been trying for 3 months. They continuosly give me automated messages and today i just received an email saying that I cant email them directly anymore. I have roughly {$3600.00} dollars in there. It is not a small amount of money. I need to be able to take it out and use it.
Consumer complaint received 2017-09-06
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. (TX)

I am a co-signer on two student loans and I am writing to dispute items reported to my credit report by the loan servicer XXXX. XXXX failed to comply with their own policies, and intentionally and deceitfully provided misinformation in their correspondence. 

At the beginning of XX/XX/XXXX, the primary account holder contacted XXXX and verbally worked out a forbearance plan to bring the accounts current. The next payment, which was approved by XXXX would be due at the very end of XX/XX/XXXX. Payment was actually made Monday, XX/XX/XXXX, which brought the accounts current nearly a month early. 

A few days later I received a letter dated Sunday, XX/XX/XXXX advising the delinquencies may be reported to the consumer reporting agencies if payment is not made by XX/XX/XXXX. I called XXXX and confirmed with their customer service representative the accounts were now current and that the payment and this letter simply crossed in the mail. I was also advised that it is XXXX policy to send this last letter with a payment deadline before delinquencies are reported to the credit reporting agencies. 

XXXX, in deliberate violation of their own policies, reported the delinquencies to the credit reporting agencies before the deadline given in this letter. 

Additionally, the deadline given in the XX/XX/XXXX letter was a full week before the agreed upon date for the next payment. If we would have waited until the end of XX/XX/XXXX to make the payment, which XXXX agreed to and approved, according to this letter XXXX still would have reported the delinquencies to the credit reporting agencies.
Consumer complaint received 2017-03-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I purchased a auto XXXX/XXXX/XXXX Santander is the lender for a little over {$12000.00} after taxes and interest. I have missed a few payments and have been late, however I asked for pay off amount XXXX/XXXX/XXXX and was told I owe {$13000.00} because of interest fees and late fees. I do n't understand how I can owe more than what the loan was for, Please help.
Consumer complaint received 2017-09-05
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: Experian Information Solutions Inc. (OH)

I have expressed and disputed these accounts with Experian far too many times. I am a victim of Identity theft. I sent a copy off my Identity theft form to these companies. Experian removed them then reinserted them without my knowledge. If any of these accounts or public records were mine Im sure there was no form signed with my signature giving these creditors " AUTHORIZATION TO SHARE INFORMATION ''. I am a victim of identity theft and I have requested signed contracts with my signature for the accounts that are reporting on my credit stating I signed for these credit cards and have not been sent the information. Experian has not verified these accounts because they are fraudulent. The collection account has not been validated and I am aware of my rights from the FDCPA. I requested information from the Collection agency that was not provided. There is a chapter XXXX bankruptcy that does not belong to me. The courts do not release information over the phone to third parties whom Experian is considered a third party. Several credit cards on my credit are a product of identity theft that were removed and reinserted. This has become a problem and I will be forced to file a lawsuit. This is my final attempt. The " LAW360 CLASS ACTION LAWSUIT '' against experian was a major success and I will not hesitate to get another class action law suit started. The accuracy of Experian disputes are BOGUS that is why the class action lawsuit LAW360 was started from Experian inaccuracy disputes. The accounts on my credit report that are a product of identity theft and have been reinserted are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and Chapter XXXX Bankruptcy was taken off and reinserted without no validation from the courts for they do not report to the Credit reporting agencies/third party companies. I will not accept another letter from experian stating " these accounts have been verified '' without the proper documentation to go along with it. I will not write a 100 word statement for my credit report for fraudulent information that WILL be removed! Do not put on my credit report without my consent " CONSUMER DISPUTES ACCOUNT VERIFIED '' under these accounts. These accounts are not allowed to be present while in dispute. It is AGAINST THE LAW!!!! REMOVE THEM IMMEDIATELY!!!!
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On the XX/XX/XXXX ocurre 3 transactions that drop my balance from XXXX to XXXX dollars the transactions are as describe : Description : CHECKCARD XXXX XXXX XXXX XXXX CA XXXX CKCD XXXX XXXX CHECKCARD XXXX XXXX XXXX XXXX CA  XXXX CKCD XXXX XXXX XXXX XXXX XXXX # XXXX PURCHASE XXXX XXXX XXXX NY XXXX XXXX XXXX after this 3 transactions come in 2 transactions come as processing, and i spoke with XXXX XXXX Supervisor on the Floor Customer  Service Small Business , she claim those transaction where processing on the XXXX and effectively at that moment i did have balance but she also claim the transactions were process next day when my balance was negative because two new transactions come in. effectively two transactions come in but right after my balance was XXXX XXXX showing in the application. i am disputing those 3 overdraw fews that where originate for charges process on XXXX for the XXXX Transaction, another one on the XXXX for the apple, and the XXXX for XXXX was originated on the XXXX as XXXX confirm over the phone but where fully process on XXXX just when two other transaction come in and they charge me overdraft for transactions originated on the XXXX and XXXX. I spoke with XXXX XXXX who claimed those charges are valid to be exact she say are absolutely valid and she cant do anything about
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Sale of account — 
Company: Diversified Consultants, Inc. (NY)

This debt was with XXXX XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$280.00}. I pulled my credit report bacause I want to try and fix what I can. I saw this account was sold to Diversified Consultants and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$460.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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


XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-09-06
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. (TX)

I am a co-signer on two student loans and I am writing to dispute items reported to my credit report by the loan servicer XXXX. XXXX failed to comply with their own policies, and intentionally and deceitfully provided misinformation in their correspondence. 

At the beginning of XXXX, the primary account holder contacted XXXX and verbally worked out a forbearance plan to bring the accounts current. The next payment, which was approved by XXXX would be due at the very end of XXXX. Payment was actually made Monday, XXXX XXXX, which brought the accounts current nearly a month early. 

A few days later I received a letter dated Sunday, XXXX XXXX, XXXX advising the delinquencies may be reported to the consumer reporting agencies if payment is not made by XXXX XXXX, XXXX. I called XXXX and confirmed with their customer service representative the accounts were now current and that the payment and this letter simply crossed in the mail. I was also advised that it is XXXX policy to send this last letter with a payment deadline before delinquencies are reported to the credit reporting agencies. 

XXXX, in deliberate violation of their own policies, reported the delinquencies to the credit reporting agencies before the deadline given in this letter. 

Additionally, the deadline given in the XXXX XXXX letter was a full week before the agreed upon date for the next payment. If we would have waited until the end of XXXX to make the payment, which XXXX agreed to and approved, according to this letter XXXX still would have reported the delinquencies to the credit reporting agencies.
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (AL)

I need your assistance in helping me to get several accounts reporting on my credit file from Central Financial Control removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified the Credit Agencies of this along with Central Financial Control. However, Central Financial Control has reported to the Credit Agencies that these accounts have been verified. How could they verify an account with the Credit Agencies and they can not verify this account with me. I have asked for proof of this account and I still have not received anything from Central Financial Control.
Consumer complaint received 2024-10-19
Product: Credit reporting 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 just recently looked at my credit report XXXX I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XXXX XXXXXXXX XXXX This inquiry has no permissible purpose to be on my report delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b 3. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXhis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b 6. XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b
Consumer complaint received 2017-09-05
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WV)

I am in the process of buying a home and the lender, XXXX XXXX, notified me that there was an issue with an item on my credit report involving Navient/XXXX XXXX. In the explanation to XXXX, I advised that I co-signed for a loan for my son back in XXXX with XXXX XXXX. My son graduated in XXXX. 
At that time, he began sending XXXX XXXX money, even though XXXX XXXX had not sent him any paperwork or statement regarding the payback amount. He called and called and called and kept being referred to different people who would say they ca n't find the account, you need to talk to so and so, and would get this same response with each person he talked to. 
He has continued to send them money since XXXX, of which we can produce copies of his bank statements showing the payments. Navient/XXXX XXXX charged off this loan in XXXX, which is now on my credit report and his. 
At no time did NavientXXXX XXXX contact him or me. They have not verbally or in any written form inquired/requested payments, inquired about no payments being received, nor did they notify either one of us by any verbal or written documentation that the loan was being charged off back in XXXX, however they continue to accept his payments. Additionally, after looking at the credit report from XXXX, I see that they have continued to add interest to the loan. If the loan has been charged off, how can they continue to accrue the interest. This is definitely bad faith practice. Because of this being on my report, and where I am trying to get a USDA loan for the purchase of a home, this issue very well may prevent that.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (MD)

I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, XXXX continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, XXXX, none but 3 inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CT)

" Earn  XXXX  points '' after you spend {$2000.00} in purchases with the card in the first 3 month from account opening ''.   I opened my  XXXX  Credit Card with Chase bank in  XXXX     2016  and spent well over {$2000.00} in the first 3 months, however was not credited with the promised  XXXX   XXXX  points! I applied via a email link with invitation code for that offer.  Chase instead just gave me  XXXX  free nights which is only 40 % of the value of  XXXX  points.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (NY)

I was called on XX/XX/XXXX about a XXXX debt for XXXX. They refused to identify who they were on the initial call to me. Advised not to call me again. Called them back spoke to woman who discloses the debt without mini XXXX first and did n't disclose what company. Asked to speak to manager and advised why transferred me to a general voicemail. Called back 3rd time advised never had XXXX and he hung up on me.