davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
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. (MO)

At the end of XXXX Transunion, XXXX, and XXXX  all added a derogatory remark to my credit report each of them lowering my credit score considerably. I discovered that they have been including a report from XXXX XXXX XXXX  of XXXX, IL. This item should not be on my report. The bill now belongs to XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX. This condition of the debt belonging to XXXX was adjudicated by the XXXX County District Court Judge as a part of our divorce decree and settlement. This document " State of Illinois in the circuit court of the XXXX XXXXudicial circuit county oXXXX XXXX '' file number XXXX XXXX filed XX/XX/XXXX. In the settlement agreement item # 4 ; ..., agreeing to hold the other harmless from any debt, claims or related costs thereto. And item # 7 ; Petitioner shall pay te following debts of the marriage and shall hold Respondent harmless from same : ... Mortgage on XXXX XXXX, XXXX, Illinois, Mortgage on XXXX XXXX XXXX, XXXX, Illinois. 
I filed a dispute with TransUnion on XX/XX/XXXX. ( File # ; XXXX ) It seems that the reported delinquency was removed. However, it is difficult to get any information verifying actions. They initially lowered my credit score by 89 points. But the correction of data only raised my score by 22 points. 
XXXX  is similar as described above ( Confirmation # ; XXXX ). In this case my score was lowered by 113 points. But the score was not raised. 
I also contacted XXXX. This organization did not show an indication of the XXXX XXXX XXXX  item on the report. However, they did lower my score. 
Further, as a result of the scores being lowered ( note that until this time my debt to credit availability has been steadily improving on an average of all credit ) XXXX credit card lowered my credit availability even though I was never late paying or short paying. This adjusted my debt to available credit rating to a lower state than it might have been.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

On XX/XX/XXXX I discovered through checking my account balance a that a large sum of money ( to ) me was missing .after investigating I saw a total of over XXXX $ was taken without my knowledge or authorizorization on XX/XX/XXXX on XX/XX/XXXX.recieved a letter saying they could not confirm that fraud had occurred and closed my case I called to reopen my case with new information they said report it to local enforcement or do it myself directly with merchants. I Did just that and it still falls on direct express
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2020 I was looking through my account and noticed a transaction I had never seen before. It ws {$150.00} going to some unknown company in XXXX. I immediately contacted the bank and stated, I needed my money as I could not afford to lose anymore money..Living off SSI which has been going to American Express for years XXXX But ironically it was very noticeable how when my stimulus money came in things internally started to come apart. More and more little transactions started to flying out of my account. Its been a nightmare for many reasons these are People in the XXXX you can never understand what their are saying. Extremely bad English!! This is what happens when you out souce work in America. They're profoundly rude and disrespectful of this process we have here in America!! In the end they blew me off and told me basically to go kick rocks and they're refusing to return my stolen money. I did what little research I could on this fake internet site. By clicking on the link in the email sent to me by Amex. Express and it came back as a fake email. In all the years I've dwelt with this bank never ever before have I seen this.!! Still don't know what it truly is. I believe the theives are in the Bank. It's and inside job. It makes No sense at all.!! Please help me get all my money back and there some criminal charges that can be brought against them. This is now over {$200.00} I can't afford to lose that kind of money. 
Thanks XXXX XXXX
Consumer complaint received 2020-06-30
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A TREMENDOUS DROP IN MY CREDIT SCORE. I HAVE ABSOLUTELY NO IDEA OF WHO WOULD HAVE GAINED ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TN)

XX/XX/2020 I received an alert from the credit bureau advising me that a collection had been placed with my account with IC Systems. I immediately found the name of the medical group that sent IC Systems the account and made the payment directly with them. The payment was made with XXXX XXXX XXXX on XX/XX/2020 in the amount of {$120.00} 9 ( confirmation # XXXX ). I called IC Systems on XX/XX/2020 and asked them to remove the collection off of my report because the account was not settled with them. It was settled directly with the XXXX XXXX so they didn't need to be reporting a collection anymore. I provided them with all of the information ( date payment was made, the amount, and confirmation number ). I called them again on XX/XX/2020 to see if this had been resolved and they stated that it still remained and was waiting on XXXX. I called XXXX and advised them that the collection company was still reporting a debt and that they needed to contact them to remove it. They advised they would send the needed information to IC to have them pull the account from the credit bureau. Yesterday XX/XX/2020, I received an alert stating that IC System not only hasn't removed their account on my credit report but they updated the payment status to paid/improved. So they made an update with the credit bureau but did not REMOVE the account. I did NOT pay them I pay the medical group directly and owed no balance with IC. XXXX  removed from credit report on XX/XX/2020 when I showed proof of payment directly with the medical group and they removed the very same day. XXXX  will NOT remove this from my credit report even with proof. This is shady as XXXX and I'm really irritated. It's affecting my credit score and need to be REMOVED.
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

I filed a complaint on XX/XX/2020 in which Rent Recovery Solutions response continues to be a stall static in order to try and collect a debt in which I do not owe. 

In my previous letters, I stated that all correspondence was being forwarded to my attorney. Only if I decide to file suit you will be contacted by my attorney. 

As I have tried to keep this matter out of court and save us both some time but your company is still trying to collect money in which I do not owe your company any money. 

Your company never investigated this matter which is very deceptive. Your company never told me who I supposedly owe this money to! 

I have never received any sum of money nor merchandise from Rent Recovery Solutions so please tell me what binds me to you? 

If XXXX XXXX  XXXX  and The XXXX XXXX is also stating that they can not verify this debt then again who do I supposedly owe this money to? 

This company continues to operate on deceptive practices to illegally collect money in which isn't owed. 

Please provide me with a legal contract that binds me to Rent Recovery Solutions and that shows I have received any sum of money or merchandise from your company in which I signed and promised to pay your company!
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NY)

I made a wire transfer of {$430000.00} yesterday from XXXX XXXX XXXX XXXX ( XXXX  ) to Citibank to my fathers account. XXXX stated that the funds left my account on XX/XX/2020 at XXXX. As of XXXX on XX/XX/2020 the funds were not placed in my fathers account. I believe Citibank is holding the funds for some reason and not crediting them to my fathers account. He needs this money to pay NYS taxes. The reason for the wire transfer was so that he could have access to the funds immediately.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (OH)

In XX/XX/2018 I spoke to a rep about the issue I was having. I explained I had fallen behind in paying my bill because I was unemployed but recently acquired employment. I had paid all of my bills until my savings depleted. 

I asked for affordable payments to bring my account back into good standing. The minimum payment they wanted was XXXX on a XXXX balance. I explained I couldn't make anything near that payment because I was working a part-time job and already struggling to pay expenses. They suggested a money management program knowing they wouldn't be on it. I tried to get them on the program once talking to a money manager. XXXX rejected my attempt to pay them, instead I received a letter standing my debt has been purchased on XX/XX/2018. 

XXXX sent me to a debt collector called XXXX XXXX XXXX XXXX. 

By XXXX doing this, it has negatively impacted my life even more so during an unfortunate event.
Consumer complaint received 2020-06-22
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. (FL)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60-90 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Have not been receiving statements and when When I called to pay my bill in XXXX they company managing Macys Credit Cards REFUSED to take my on time payment! I stated ai havent been receiving bills and cant access account online and was informed someone would contact me - I mailed my payment in using an old bill payment slip for XXXX ; Never received XXXX statement so I called again and they REFUSED to take payment stating I am in collections. I stated that I mailed XXXX payment in snd will mail XXXX payment and stated I requested a call over a month ago explaining what is going on and want a call back! its been 54 days and no one has called me! I have NOT received any statements for four months and no calls. I have had my Macys account for 21 years and never had any issues til Citi Credit Services took over about five years ago they do not honor 30 day credit they sporadically mail out statements and changing terms of number of days for revolving timeframe from 30 days to it is a 27 days to 33 days. 
I have nothing to upload as proof as I have received NO communications statements notices.
Consumer complaint received 2020-05-24
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 have a mortgage with XXXX XXXX that has been open since 2003. The account is in my name, XXXX XXXX, and XXXX XXXX 's name. XXXX recently filed bankruptcy. The XXXX account was not included in his bankruptcy. I did not file bankruptcy and never have. XXXX XXXX has since started reporting to the credit bureaus that the account was closed and paid off. It was not closed and has not been paid off. XXXX has stated in numerous phone calls that I am still responsible for the monthly mortgage which I have still paid each month even though its not reporting on my credit. I was in the process of refinancing and now can not do that because they have showed this closed on my credit reports. I have tried disputing it with the credit bureaus and am not getting any resolution that way. I have had numerous phone calls with multiple people at XXXX and they will not resolve this. I have documents that they send each month for me to pay and proof that I have continued to pay each month. I just need XXXX to report to the credit agencies that this is still an open account for me, that it has a balance due, and that I have continued to pay it each month on time.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (TX)

I was once a customer of XXXX XXXX. I was an account holder in XX/XX/XXXX. I switched companies, to XXXX, in XX/XX/XXXX for the XXXX XXXX. 

Ever since the switch, which was done improperly by agents of the company in XXXX, IL, I have repeatedly received bills from XXXX XXXX in XXXX, WA. 

The reason I switched companies was because I was doing music on an old XXXX  device. The phone fell flat on its face and broke completely in my dorm room. I then switched companies to get an XXXX XXXX because I never had one. 

I paid XXXX off and told them to switch my service, however, they have continued to follow my activities socially and continue to send me past due collections bills regarding their device. I I paid every single phone I have ever had from XXXX off, but I still receive bills from XXXX XXXX. I called XXXX, I called XXXX, I called XXXX, I called all of them to tell them I don't own the account, but they continue to say I owe XXXX for past due bills that do not exist.
Consumer complaint received 2018-10-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

XXXX XXXX reported a late / missed payment over 30 days on my credit report without sending me a statement 21 days before the bill was due as required by the credit Card act XXXX, this account never showed up on my online account ; I had Visa, and Master Card which is the card in dispute ; I received three statements for different months in one letter in XXXX after contacting customer service concerning the late payment, and informing customer service I never received any statements on the amount owed ; once I was informed of this debt it was paid in XXXX XXXX, I  never used this Master Card, I have had a Visa account with XXXX XXXX over a year, and never missed a payment, both accounts have been closed at my request ; why was XXXX XXXX holding all of my statements, and sending them to me after a request, and alert on my credit report instead of sending them monthly before the due date as required.
Consumer complaint received 2019-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (CO)

Professional Finance Co. has filed three collections accounts ( {$2400.00}, {$1800.00}, and {$1600.00} ) to the major credit bureaus against me. However, they have not contacted me in any way either by phone or mail. I attempted to contact them, but they have provided no verification of these alleged debts. They credit bureau filings occurred in XX/XX/2018. They have had plenty of time to provide verification of these alleged debts and continue to fail to do so.
Consumer complaint received 2020-06-21
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: Experian Information Solutions Inc. (AR)

Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with Experian, XXXX, and XXXX  in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX ever provided any XXXX Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.
Consumer complaint received 2019-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2019. I went to XXXX to make my payment via paypal. Upon selecting this option XXXX  website sent me to paypal. I authorized the payment from pay pal picked my XXXX  account. Once selected the I was directed back to XXXX site. I authorized the payment. The website spun and spun and spun. Finally it came back said that there was some sort of issue with the site please check again later. It also said my payment did not process. However I got to paypal and it has processed. I go to paypal it shows the processed transaction being sent to XXXX. I look at my bank account with XXXX it has been deducted. Now my insurance policy is about to cancel due to the error. I can't afford to double pay while they try to figure this out. XXXX 's accounting team told me twice they don't have it. Paypal says they do ... So I am stuck in the middle as a consumer while neither company can provide resolution
Consumer complaint received 2018-10-15
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. (CA)

I have disputed the late payment status reported on the account XXXX XXXX with the XXXX and Transunion..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.
Consumer complaint received 2019-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I received letter from Wellsfargo bank dated XX/XX/2019 saying they will close my checking account. They did not give any reason other than some risk management. I did not do anything wrong. I called to complain and they said to refer to their policy. They said they have right to close account. They would not give explanation. Stupid way to do business and inconvenient people without good reason. Wells Fargo should be shut down if this is how they do business.
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

XX/XX/2020 - Fraudulent transaction on my checking account. {$1300.00} purchase at XXXX XXXX XXXX XXXX, XXXX, NY. 

XX/XX/2020 - Fraudulent debit challenged at local branch of Key Bank, temporary credit issued. 

XX/XX/2020 : I receive a letter from Key Bank informing me provisional credit for alleged fraud will be reversed : XX/XX/20 not allowed, XXXX XXXX XXXX XXXX. 

XX/XX/2020 - Key Bank withdraws funds from my account : {$1300.00}. 

A side note : at my XX/XX/2020meeting with the local branch manager, in XXXX, XXXX, I was informed that his quick review of my acct record clearly indicated the challenged transaction was fraud, because the bank flagged and stopped other fraudulent transactions from occurring on this same account just after the incident I'm reporting here. Without informing me, by-the-way. How in the world is it possible they then decide the disputed transaction is legitimate??? Bank is taking my money, because they are unable to recover it from the actual thieves, and to cover inadequate account security and safeguards. Please, HELP!
Consumer complaint received 2020-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

XX/XX/XXXX I received my monthly statement I was XXXX now XXXX starting XX/XX/XXXX I had received a tax bill after I refinanced in XX/XX/XXXX I had closed on a refinance in XX/XX/XXXX my husband had passed away and the loan would put only my name on mortgage with Nationstar mortgage XXXX XXXX was my loan agent at Nationstar I called when I received tax bill and was assured it is handled by my mortgage company I called them they said when they refinanced the LOAN they made mistakes now they are saying my payment will still be higher XXXX month please Help me they now say I have to refinance the taxes out of my equity with them to fix the mistakes
Consumer complaint received 2019-02-11
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. (FL)

My account from XXXX XXXX, account # XXXX, shows a 30day late payment in XXXX 2018.The information is incorrect.I was never late.