davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
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. (UT)

This involves a fraudulently opened   XXXX   XXXX   XXXX   card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent "  XXXX  '' account on my credit report. Upon researching the account, I learned this was a   XXXX   XXXX   XXXX   account someone in Georgia had fraudulently opened in  XX/XX/XXXX  using my identity. In early  XX/XX/XXXX , I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with  XXXX  's customer service, I filed disputes with all  XXXX  Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit,   XXXX   and   XXXX   removed the item from my credit report. Today, on  XX/XX/XXXX , I learned the item still appears on my TransUnion credit report, causing my credit score to be  XXXX + points lower on TransUnion than on the other  XXXX . I called TransUnion and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient.
I am uncertain as to whether TransUnion never deleted this item after the  XXXX  dispute process, or whether  XXXX  attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Prosper Marketplace, Inc. (FL)

This complaint is on behalf of my partner -- - as he does n't speak English. On   XXXX   XXXX   2017, my boyfriend applied for a loan with Prosper to pay off his debts. On Friday,  XX/XX/XXXX , my boyfriend and I contacted Prosper as he had additional questions. To my disbelief, the Prosper Rep stated that they have no Bilingual (   XXXX   ) customer service individuals, i then stated that I would be able to translate since my boyfriend was next to me, but they were not able to assist due to confidentiality which is understandable but my boyfriend approved for them to speak to me, however, they were not able to answer our questions.
On Monday,  XX/XX/XXXX  he received a call from Prosper and he was able to answer those questions he did n't have trouble with understanding, but my boyfriend mentioned to me that he had difficulty understanding. I called on his behalf and I asked again if they had a Bilingual (  XXXX  ) and again, the rep stated they had no one. My boyfriend received an email from Prosper to login to their page to view the status of the loan, but we were unable to because the account was closed.
In conclusion ; as of now, we still do n't know why the loan was denied and it has been impossible to find out.
My boyfriend feels discriminated against, as we found it difficult to get assistance for a   XXXX   Speaking Consumer. We needed to get answers, therefore, it 's unprofessional and unethical not to receive proper information especially when applying for a loan.
I also believe that the company is either refusing to have any of their associates speak   XXXX   or they do not hire Bilinguals/ XXXX  at all. I find this extremely worrisome and improper.
Consumer complaint received 2017-04-27
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Fedloan Help (NC)

I refinanced  Parent Plus L oans that I took out for my children 's college education. I came into really hard financial times and had could n't make the payments. I went through a third party company, FedLoan Help. I have had payments of {$91.00} drafted out of my account for a year and none of them have gone towards my Parent Plus Loans with FedLoan. This began on  XXXX  and the last draft was on  XXXX .     FedLoan Help said, via an e-mail, that I have been approved for a refund but now they do not have the funds. I feel now that I 've been scammed.     I have included e-mailed correspondence with FedLoan Help. I 've tried and tried to upload my bank statements showing the drafts. I ca n't get it to work.  May I  fax them to you somehow or mail them?     Thank you!     Please help!
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

To whom it may concern, Per your web that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$670.00} and last delinquency reported   XXXX   XXXX  , 2014, yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for. By not replying in a timely manner to my initial letter you signed you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.
Consumer complaint received 2017-04-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Consulting Services, Inc. (CA)

I do not owe this money I had and still have medical insurance. I was never notified that I had any debt or money owed they did not give me the opportunity to dispute or even provide them with another copy of my insurance card. The waited and sent it to collections. The are billing incorrectly I consider this fraud.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TIDEWATER FINANCE COMPANY, INC. (FL)

In  XX/XX/XXXX  I took out a credit card at   XXXX   XXXX   with tidewater finance company, not long after I lost my job and had   XXXX   XXXX    making the payments, I was in contact with someone regarding that and let her know I would take care of it. On  XX/XX/XXXX  I called to pay off the entire balance I owed. I was told ( by an automated machine I believe ) that total amount I owed was  XXXX  so that 's what I paid. I immidiatley received a bill for 40 something dollars, I contacted the phone number with no answer after waiting FOREVER ( over 30 min ) then decided to email the lady I had been in contact with, she simply responded with my new balance ( now in the 90 's ) and said to contact them when ready to pay it off. I told her I did n't understand where he charges came from and how I owed more money she said this is what i owed and if I know a name, time and date of someone I spoke with she would look into that. Next I started receiving emails saying this was a supervisor trying to resolve my account, I would let them know what happened and no response. Eventually I started forwarding them emails I had already sent in reply.
ALSO every single day and sometimes multiple times they call me ... but never a live person just a call us back recording, and if I called back I NEVER received a human on the phone to be able to dispute these charges which now are up to   XXXX   and I have n't even used it!!!
I 'd like to be able to speak with someone and dispute these charges and get it wiped from my credit.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a credit card with Khols/Capital One in  XXXX   XXXX . I noticed fraudulent charges on my card. Khols said they were working on it. They closed the card. Then they charged it off in  XXXX . They reported it as a charge off. They never investigated the fraudulent charges. Now here we are in  XXXX  and all of a sudden Khol 's is reporting a 150 day late payment as if the card is still open. They just started doing this each month since two months ago.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TN)

I am in the process of going back to school. Once my credit was pulled I noticed Enhanced Recovery Corporation reported to all three credit bureaus as a collection on behalf of XXXX XXXX. I contacted Enhanced Recovery Corp on XXXX and XX/XX/XXXX, both times the representative was very rude and not helpful. She stated it is my debt and I need to just pay it. I asked to please validate the account and she stated that has already been done. I am not aware of this company. I am in Tennessee and this collection agency is not licensed in the state of Tennessee. School will be starting in XX/XX/XXXX, can someone help me resolve this issue so I may continue applying for my student loan? Reported on XX/XX/XXXX Amount {$250.00}
Consumer complaint received 2017-08-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Protas, Spivok & Collins. LLC (MD)

I obtained a student loan from XXXX XXXX in XX/XX/XXXX. This account was later sold told XXXX and was closed/ charged off XX/XX/XXXX. XXXX later sold my debt to a collection agency who later transferred the debt to Protas, Spivok and Collins LLC. This collection agency has repeatedly called me during all hours of the day during work hours and evening hours. They have also harassed family members whom were down as References these family member have informed me they are being contacted several times a day. It took me calling XXXX to find out if their were any income based repayment options for me to find out that my information and debt has been transferred to 2 other collection agencies.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (MD)

XXXX  In response t o Atlantic Bay and  the original complaint.  XXXX   XXXX  was contacted by a frantic  XXXX   XXXX  and asked to write a letter defendin g him/Bay Atlantic. W hich he did and which they submitted as their original response.   As far as  XXXX  qualifying as a primary residence his current primary residence has not sold and the entire reason he wants to sell is he claims ca n't afford it- so since current residence has not sold and probably wo n't for at least 6 months- Prior to our purchase it was on market for 1.5 years- this is completely foolish. He may be able to g  XXXX   XXXX   XXXX  os but after that trying to juggle  XXXX  residences and utilities is going to be a stretch
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On    XXXX   XXXX   XXXX    I made a {$20.00} ATM withdrawal from my credit card and was charged a {$10.00} ATM Withdrawal Fee. I do not recall seeing the disclosure saying that I would be charged {$10.00} for this {$20.00} withdrawal ; If I had, I would not have continued with the transaction. I seem to recall the disclosure stated the standard {$3.00} fee, as when I use my debit card, would be charged.
Consumer complaint received 2017-08-01
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. (FL)

I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX was removed, paid in full and removed XX/XX/XXXX. Through XXXX. The amount was XXXX. I was sent confirmation it was removed and paid in full from XXXX dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to XXXX multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called XXXX a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (CA)

I have contacted  Credit Protection Association r egarding an alleged bright house bill that is appearing on my credit report. When I spoke to the representative regarding the bill, they had an address I have never lived that and a different social security number than mine. They refuse to correct this error and continue to attempt to collect this debt, even after notifying them they have misidentified the  XXXX   XXXX  they are looking for.     Accounts are reporting as follows : CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX     XXXX  Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date o f 1 st De linquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00} CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date  of 1 st Del inquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00}
Consumer complaint received 2017-08-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION (IL)

Took out a loan in XXXX 2016. Loan # XXXX was due in XXXX 2016. I called for an extension and was granted it. I missed the extension payment due date. My file went to the collections department and incurred additional fees. I have no problem was this as this was my fault. Issue - this loan was settled with all additional fees, interest accrued, etc. on XXXX XXXX, 2016 for  {$280.00}. I was told it would be updated as paid and closed. Never was. Called the next month and was transferred around. Left several messages for this department. Left the issue alone then circled back towards the end of the year in both XX/XX/XXXX and XX/XX/XXXX. Called and initiated a fix for this in XX/XX/XXXX. Again got a run around. Of course it is now over a year later and it still shows as never paid. I have  emailed the organization with proof of payment to only receive an apology.
Consumer complaint received 2017-08-01
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. (TX)

On XXXX-17 I sent Equifax a letter disputing information being reported inaccurately to my credit report. They reported that their investigation was complete, but refused to make most of the requested corrections. Please see the attachments for the documents I sent to Equifax with supporting evidence.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (FL)

I enrolled in an " SunTrust Deal '' with my eligible SunTrust debit card linked to my checking account for XXXX XXXX XXXX during the first week of XXXX  of 2017. The terms stated " Offer expires XXXX/XXXX/2017. Must make two separate transactions with XXXX XXXX XXXX on wireless products or services of at least {$15.00} on the card associated with this offer by XXXX/XXXX/2017. Your {$75.00} cash back is earned within 30 days after making your second transaction. See offer details. Taxes, fees, other charges & restrictions may apply. Add'l speed, usage, and other restrictions apply. See plan details. Offer valid one time only. '' I placed one transaction on XXXX/XXXX/2017 and one on XXXX/XXXX/2017 ; both for {$16.00} each. I waited the 30 days after the second transaction and when the {$75.00} cash back did n't post, I used the online chat feature to contact customer service. XXXX told me that " I have researched this and am showing that any rewards earned in XXXX will not show until XXXX/XXXX/17 at the latest. So After processing on XX/XX/XXXX, if the reward is not there the morning of XX/XX/XXXX, please chat or you can call Online Banking at XXXX and we can go from there but we are not able to escalate because it can show up until XX/XX/XXXX. '' I waited until after the first week in XXXX and the {$75.00} cash back still did not post so I mailed customer service on XXXX/XXXX/17 and XXXX said " your rewards will be credited to your preferred account usually within eight weeks from the date of your purchase. '' I waited 9 weeks and it still had not posted.
On XXXX/XXXX/17 I called customer service. I was transferred to 4 different people, one in which, named XXXX, said she was having computer issues and said she had to put me back into the queue where I had to wait another 20 minutes to speak to the next person. In total I was on the phone, mostly on hold, for an hour and a half. Finally the person I spoke to said that they spoke to their supervisor and they said to wait until the XX/XX/XXXXand the {$75.00} will post then. I checked my account today, XXXX/XXXX/17 and it still has not posted.
Based on this experience I am not impressed my SunTrust 's customer service and I am astonished by all the hoops that one has to jump through to receive their cash back on these " SunTrust Deal 's ''.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Medical Data Systems, Inc. (NC)

I have submitted 4 disputes trying to get information from Medical Data Systems off the credit report. I have most recently ( XX/XX/XXXX ) provided a letter from the company. This has NOT been removed. Each company has been pointing to the other company as for who is responsible for this not being removed. I have spoken with managers including XXXX with XXXX and XXXX from Medical Data Systems. XXXX stated they ( MDS ) need to electronically delete the information from their side and MDS stated they have requested a manual deletion sinceXX/XX/XXXX and have no control over if XXXX  actually deletes it or what timeline they move. Even after submitting the letter XXXX from XXXX stated that the letter meant nothing if MDS did n't accept the letter as proof and voluntarily delete it. I believe MDS has done what they can do because its been deleted from my XXXX report and XXXX is the only one not deleted. However even after submitting a letter from MDS to MDS attached to the dispute onXX/XX/XXXX it was NOT updated. As of XX/XX/XXXX it is still reflecting that the account is paid with a {$0.00} balance. I have a mortgage loan hanging in the balance and neither company seems to care that time is of the essence.
Consumer complaint received 2017-04-27
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: ACS Education Services (IL)

I have made multiple complaints with  XXXX  for verifying my accounts with ACS/  XXXX   XXXX  . There ar e 3 accounts that are currently being reported past the seven year period of the original date o f delinquency. I have made several attempts and most recently speaking with a representative on  XXXX / XXXX /  XXXX   by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.
Consumer complaint received 2023-12-29
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.