davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

starting on XXXX XXXX thur XXXX XXXX, XXXX i have disputed serveral accounts on my credit report with XXXX  XXXX. XXXX XXXX XXXX, GA XXXX, XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX, Trans Union LLC Consumer Dispute Center XXXX XXXX # XXXX XXXX, PA. XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX XXXX
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

Navient promise to fix my last payment over 6 months ago. I asked over and over again for this company send me the documents re : posted late payments. Navient promise to fix the mistaken last payment posted on my credit report. They never send me anything concerning this matter. My credit reporting has drop due to these unverified last payments. Now that the payment are paid and closed it should not still reporting negatively on my credit report due to the Fair Credit Reporting Act.
Consumer complaint received 2018-11-21
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. (GA)

I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX from XXXX XXXX and account # XXXX from XXXX XXXX XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Consumer complaint received 2018-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I saw an ad on XXXX on XX/XX/2018 for 3 tickets to the XXXX XXXX vs XXXX XXXX game that evening in XXXX, Arizona. I contacted the owner through text ( screen shots attached ) at XXXX and through texting, the seller sent me a screen shot of the tickets via XXXX  ( also attached ). The price of {$250.00} was agreed upon for these 3 tickets, and the seller indicated that they could only receive money via the XXXX app. I downloaded the app and proceeded to transfer {$250.00} out of my USAA checking account through their platform of the XXXX app, using the name and email address that the seller provided. XXXX XXXX with email address of XXXX. I transferred this money with the agreement that the tickets would be sent to my XXXX account and thought that since I was transferring this money from a federally insured bank, that I had fraud coverage. After transferring this money I never received the tickets and never got a response back from the seller. I filed a dispute with USAA and was later sent a letter ( attached ) that indicated they were not liable. I also contacted XXXX on XX/XX/XXXX after realizing I had been scammed and they also indicated that they could not do anything except tell me that the money had been transferred from my account to a XXXX XXXX account. I contacted USAA after finding out this bank transfer information and asked them to hold the transfer or at least contact XXXX XXXX and have them hold the money which they said they could not do.
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC (LA)

I check my credit score daily and noticed it dropped 73+points overnight and showed the derogatory mark stating collections  from waypoint resource group penned XX/XX/2018 ( 1month ) {$750.00} from XXXX XXXX XXXX . To my knowledge I havent ordered or started anything knew in XXXX and also never received any mail email messages stating that I owed this. My bill online states {$0.00} amount owed and my business account shows my payments are auto drafted monthly. I do not understand what is going on with this.
Consumer complaint received 2018-11-21
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. (GA)

I realize that I have been victim of identity theft. 
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2019-03-23
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: SYNCHRONY FINANCIAL (NY)

I checked my credit report on XXXX XXXX and noticed a hard inquiry by : SYNCB XXXX, FL XXXX XXXX XXXX XXXX The above transaction is not mine and Im extremely upset this showed on my report because it affected my score. Can you please help me? XXXX XXXX says to contact the creditor and the creditor says to contact XXXX XXXX and XXXX, its a big circle and no avail. I want this removed from my report. Thanks
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I opened an account with XXXXXXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX  and explained the problem. They accepted payment for {$350.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$610.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$280.00}.
Consumer complaint received 2018-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (WA)

A payment in the amount of {$1400.00} was withdrawn from my XXXX  XXXX XXXX account on XX/XX/2018 Legal Order, LTS XXXX. XXXX XXXX XXXX still shows up on credit report with debt of {$1400.00}, called company they said have not received payment nothing they can help me with. Thank you.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Financial Services (IL)

I had a {$500.00} personal loan in 2015. This loan went to collections & was eventually charged off. This year, I made the effort to correct this and sent a certified letter asking them to verify the amount due, and then a second one with a settlement offer. They never responded to my request, but began adding penalties and interest charges on a charged-off account. 

I called them twice after to try and settle the debt, & each time I was told that they would get back to me with an answer. I called them again today. I attempted settle this debt, and was upset at their lack of response. I spoke to the owner, I told the owner that I was attempting to correct my mistake and was willing to settle. They said no and wanted to play hardball. They said they did not care if I opened a dispute with XXXX  or CFPB that those entities do not do anything for them and they will do the best to keep adding charges to my account. I told them that I would settle the debt for a higher amount as long as they would put it in writing that once my payment is received they will deem the debt settled. They also refused to do that.
Consumer complaint received 2018-11-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (TX)

Ability Recovery Services debt collection company are trying to obtain double payment from me on the same account by listing them under two separate account numbers when there is only one. I have disputed this with ability and they are not cooperating. The allege I owe XXXX college XXXX. They also posted another account to my credit report saying I owe XXXX college XXXX. I am currently in deferment on a 2 student loans used to cover college expenses they appear on my credit report also. I should not be charged these expenses as my student loans have already covered them. Ability recovery services is reporting inaccurate information and is fraudulently over charging me. I would like these items deleted off my report but they refuse to do so and continue to break law under the fair credit reporting act. Please help me resolve this issue
Consumer complaint received 2018-11-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

I have been making on time payments to the company and the credit limit is still in use. However, it says that they have closed the account. After we have set up payment arrangements and those payment arrangements have been met.
Consumer complaint received 2018-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

In XXXX, I switched my phone service from XXXX to XXXX. XXXX offered a promotion to pay off any balance owed to an individual 's current provider to switch to XXXX. I went into the XXXX storeand confirmed with a XXXX representativethat XXXX would pay XXXX. The representative assured me that no further action was required from me. 

In XX/XX/XXXX, I received an email from XXXX stating that my account was delinquent and in collections. This was the first I received notice that XXXX had not paid the {$270.00} balance, since speaking with the XXXX representative in the store. I called XXXX to explain the situation. After several phone calls between XXXX and XXXX, XXXX agreed to issue a pre-paid visa card with the amount listed on the final XXXX bill. I then called XXXX to have them send me a physical copy of the final bill. I explained that XXXX would pay the outstanding amount with a copy of the final bill that enumerated the unpaid amounts. XXXX refused, stating that they no longer had that information on file because my account had gone to collections. I subsequently sent XXXX a letter requesting that they validate the debt, which did not happen. 

I ran my credit score through XXXX  recently and discovered that a new company, XXXX XXXX XXXX , XXXX, appeared as a negative report. I contacted XXXX and learned the they were attempting to collect the XXXX bill, despite providing no notice aside from damaging my XXXX XXXX. I explained the situation to the XXXX representative, but the representative simply repeated his generic script. Speaking to a manager resulted in a similar unwillingness to help rectify the situation. 

In short, I am at the mercy of these companies. I have attempted to resolve this issue with XXXX but have been met with indifference. XXXX continues to demand payment from me for a debt that belongs to XXXX, evidenced by XXXX  willingness to issue payment for the debt. My credit score continues to suffer harm simply because due diligence is inconvenient for XXXX.
Consumer complaint received 2018-11-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (IL)

I purchased a vehicle through XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The vehicle was voluntarily surrendered on XX/XX/XXXX. On XX/XX/XXXX the vehicle was sold. I was sent a notice stating the balance owed was {$3100.00}. At some point in XXXX, the account was sold to NCB Management. NCB Management is reporting a balance of {$2100.00}. I requested validation of this account XX/XX/XXXX. On XX/XX/XXXX2018 NCB forwarded me documents from XXXX. Upon reviewing the documents I noticed that XXXX falsified the amount owed. The amount owed was indeed {$2100.00} instead of the amount they originally told me. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the FTC. XXXX is also reporting my last day of payment as XX/XX/XXXX but it is not reflected in the itemized list of payments. This would decrease my total amount owed by {$360.00} so again, this is illegal. Furthermore, XXXX is in violation of their Arbitration clause by sending my account to a third party, NCB Management. NCB Management has no legal right to collect the debt and by the reporting of this debt, they are in violation of FRCA.
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (KY)

XX/XX/2017, I entered into a contract with XXXX for security services at XXXX XXXX XXXX XXXX, XXXX XXXX, WV XXXX, a family farm that was being sold. The contract and installation were executed by XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX. 

Mr. XXXX clearly represented that the 3 year XXXX contract could be transferred/ assumed by a new homeowner with my equipment and the transfer would be " smooth as silk, '' waiving my responsibility on the 3 year contract. The new homeowner executed his contract using my equipment in XX/XX/2017. He continues with the contract. 

Afterwards, I was called by some subsidiary of XXXX claiming that I had an account balance. All contacts that I made indicated the account was closed with a XXXX  balance. I explained that I must be on a robocall list and to please take me off. 

Recently I have been contacted by Hillcrest, Davidson and Assoc. to collect a delinquent XXXX  account. I again made calls to known XXXX contact numbers, including Defenders, out of XXXX, and was told there was a XXXX  balance. 

Calls have continued from H.D. and Assoc. Only last Friday did I learn from Defenders of XXXX that they are the entity that has turned over the 3 year balance on the XXXX contract to H.D. and Assoc. 

The amount is {$1900.00} plus collection expenses. Defenders tells me they are not obligated to honor the inducements by the installer even though the contract obligations are being covered by the new homeowner.
Consumer complaint received 2018-11-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MO)

I intended to wire {$40000.00} to my sister in the XXXX on around XX/XX/18. 

The money was wired from my XXXX XXXX to Western Union that day. 

I received an email from WU on XX/XX/18 stating that the transfer could not be done and that I would be receiving a refund by XX/XX/18. 

I called on XX/XX/18 and asked why the refund had not come through and then I was told it would be returned by or before XX/XX/18. 

I have been calling every day since XX/XX/18 and I have been unable to find out why the refund has not been processed. 

I would like to know the name of the Federal Watchdog that I  should be reporting this matter to. Is it supposed to be the FBI or some other entity? 

My tracking number is XXXX Any help would be greatly appreciated. 

Sincerely
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Alorica Inc. (IL)

SST ( Systems & Services Technologies , Inc ) I have never contacted this company regarding the services they offer, I have never requested services from this company. I have given no permissions to this company in any respect. 

Since XX/XX/year>, I have received IN EXCESS OF 60 phone calls, 15 emails, 10 text messages- directly violating the FDCPA. ( call log, email, and text ( s ) attached ) References to the FDCPA regulations and the permissions they have are attached as well. 

On multiple occasions since XX/XX/XXXX, I have requested they cease and desist. They have refused. They continue to annoy & harass.
Consumer complaint received 2018-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/18 I reported a fraudulent transaction made on my debit card in the amount of {$150.00}. A fraud report was made case # XXXX and I was told to destroy my card because it was blocked and could not be used and I did. 

On XX/XX/18 I received an email stating that a purchase was just made at a XXXX XXXX with my 5th 3rd debut card. I called 5th 3rd and the fraud department me informed me that my debit card had not been blocked and they could not see why it was not blocked in their system. If the card would have been blocked as they told me it was yesterday then I would not be dealing with another fraud incident. This situation is placing stress on me and my family as we have bills scheduled to draft and groceries to purchase which I can not do so now. 
I spoke with Supervisor XXXX ( XXXX ).
Consumer complaint received 2018-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

XXXX Credit Card has been charging me interest on a purchase made in XX/XX/2018 but has never sent me a physical statement nor given me access to my online statement since they enrolled me in paperless billing. When I've tried to enroll online, to view my account, it does not allow me to do so. The reason given to me by the tech support group ( spoke to them on XX/XX/2018 starting at XXXX XXXX ) is because my account is a " classic account '' which was linked to an " XXXX XXXX account '' which was closed by me but they converted it to my current account so they cant link it!! That's absurd and, frankly, I have no idea what that means. But they have told me that it is impossible for me to access my account. Apparently, I've been paying the minimum amount every month since I have this account set up with my bank account with automatic payments. I've tried to reach a manager but each time they place me on hold for around 1/2 hour and then automatically disconnect the call. Now that I was made aware of the balance I've paid the bill in full ( as I do with every single one of my bills as my credit report will reflect ) but I think their actions amount to a violation of my consumer rights to be able to access the information pertaining to what I'm being charged for. If I'm enrolled in paperless billing, I should be able to access the information online - this is the most ridiculous situation I've ever encountered. I had no idea I had a balance - I'm sure it's something I'm responsible for however I have no way of verifying the information. And hanging up on me, not once but twice, is a disgraceful way of handling the situation. I'd like a response from their management as to how they intend to rectify the situation.
Consumer complaint received 2018-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I applied for for federal public service loan forgiveness program. I thought I had approx. 3 years left of loan payments only to learn that I haven't made one qualifying payment from the loan servicer customer service rep, with no recourse to help me understand what happened or why I never qualified, even though I've worked in XXXX and XXXX for the last 15 years.
Consumer complaint received 2021-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

XX/XX/2021 I filed disputes with the all 3 bureaus and now it almost two months later and NOTHING!!!!! ... The disputes were for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. WHy is this taking so long to fix their mistake in reporting. I know they are supposed to send me response within 30 days and it been way over 30 days. I want this fix
Consumer complaint received 2018-10-18
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. (GA)

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and TransUnion have reversed them but XXXX  is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''