davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services (CA)

In XX/XX/XXXX I rented a car from XXXX XXXX at XXXX XXXX. I returned the car in good condition and received a receipt. Several weeks later I received a letter from XXXX claiming that the car had been damaged while in my possession, without providing any details or supporting evidence. I sent a response letter to the remittance address listed on the letter disputing the claim and requesting evidence of damage and repair costs. I received no response or supporting documentation from XXXX in response to my written dispute and request, until I received another bill from Viking Client Services, a collection agency. I am responding to this letter with another written dispute and request for documentation. I am alerting your agency to this because I have found numerous complaints from other consumers online that suggest that this is a consistent pattern of consumer fraud by XXXX.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

there were XXXX previously inquires on my Transunion credit report that were removed and in checking my credit report after a couple or weeks I notice that the inquires were restored back on my credit report. I did not receive the 5 day notice which is a FCRA violation. I would like them to be removed.
Consumer complaint received 2016-09-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (KS)

I am in the process of disputing. This company apparently is trying to collect on a debt from an account opened XX/XX/XXXX, 22 years. It just shows up randomly on my credit report. They claim that I made a payment on it XX/XX/XXXX, which I am wondering how I would have made a payment on an account that was 19 years old. The XXXX credit report shows that the account was opened XX/XX/XXXX, which is inconsistent with the collectors admission that the account is 22 years old and that supposedly payments were made. I do not understand how companies are allowed to pass " debt accounts '' from collector to another over a period of decades. I believe that this is an attempt at fraud. To further complicate this issue, the collector listed is 'Calvary Portfolio ' however, when I called them they advised me that it was subcontracted to another collector XXXX ' and that they ( Calvary Portfolio ) were unable to access the account. Thye told me to call XXXX XXXX. When I called XXXX XXXX to dispute the issue, they advised me they would contact 'Calvary Portfolio ' who would send me details about the debt ( the company that told me they had no access to the account ). Let me tell you please, regular Americans know what this is, someone gaming the system.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion had a glitch in their system that cause that reinserted previously deleted information. They violated my rights unders section 6.11. I was never notified. As a result my credit score has been gravely affected. i have contacted them more than but they have not taken any actions to correct the error. I am requesting that all inquiries be removed from report.
Consumer complaint received 2023-04-19
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/2022
Consumer complaint received 2023-04-19
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. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In 2005 my wife took out a mortgage with XXXX XXXX XXXX. My name is not on the mortgage note. We moved to Maryland and upon pulling a XXXX found that XXXX XXXX XXXX still has this loan listed to me ( again it was in my wifes name ) and the loan is now serviced by XXXX XXXX , XXXX My credit report states that I have an outstanding and open account with XXXX XXXX XXXX . XXXX does not own the debt nor do I owe the debt.
Consumer complaint received 2016-04-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (CA)

When I refinanced my mortgage, mu current lender, Stonegate Mortgage, mishandled my escrow account. On XXXX XXXX, Stonegate " conveniently '' withdrew my property tax payment for an XXXX XXXX payment!? On XXXX XXXX, ironically, the XXXX tax collector has not received the payment!!! How is it my new lender already paid my property taxes and my new loan did n't even close until XXXX XXXX!? 

Called Stonegate and they did not care, customer service was RUDE and told me they always pay in advance, really two months early???? She could not explain why XXXX XXXX tax collector had not received payment and did not care, offered zero help. She then told me I would have to wait 2 months for my refund. WOW that 's customer service! So Stonegate gets to keep almost {$2000.00} because allegedly they pay property taxes early but ca n't find a record for it. How convent! This is the professional experience, dedicated service, and HIGHER STANDARD you can expect from Stonegate. 

I was a customer and just because I chose to refinance with someone they screwed me over. 
Please help! 
XXXX XXXX Loan # XXXX
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (TX)

I somehow have a fraud alert on my Experian credit report. I can not get it removed and now I am unable to be on our mortgage bc my mortgage company ca n't pull my Experian report bc of this fraud alert. My interest rate is also going up almost XXXX points bc I am unable to be on the mortgage. Mortgage company has no problems pulling the others reports w the other bureaus. 
Over the last 6 weeks -- -I have called 3 times, submitted 4 faxes, mailed a letter AND uploaded a document via Experian upload. AND THE FRAUD ALERT IS STILL THERE. 
Every time I called it was VERY difficult to get the person I spoke to to understand my problem, and the canned response was to send me to their website for help. The first phone call resolved that my address was the problem -- - not the fraud alert -- -- so I submitted a form for that. The second phone call could n't confirm that I had a fraud alert I was told that I had to pay {$10.00} ( which I did ) to get a copy of my report to verify that I did indeed have a fraud alert on my account. The next call directs me again to the Experian website -- - website said " we are unable to find you in the system '' -- - I had to call AGAIN to still not have any resolution. 
Mortgage companies and the credit bureaus are giant jerks who take advantage of good people. So now I am having to pay a higher mortgage interest rate bc I ca n't be on the loan. AND i ca n't get the fraud alert off my account AND NO ONE WILL HELP ME!
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NC)

I am receiving daily text messages from Citibank concerning a Citibank credit card. 
I have no business relationship with Citibank. None whatsoever. 
I have called Citibank and asked that the text stop. Citibank acknowledges sending the texts to me, and promises they will stop. 
Citibank continues to send me texts. 
Again, I have no business relationship with Citibank. No account, no balance owed.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (AL)

I purchased a brand new XXXX XXXX XXXX in XXXX XXXX. First, they did not give me a correct value for my trade-in. I traded a XXXX XXXX XXXX ( that was fully loaded, with leather seats, navigation, heating & cooling seats & steering wheels, etc ). They only gave me the trade-in value for a BASIC XXXX, with cloth seats and a standard radio, steering wheel, etc ). I had SEVERAL problems with the XXXX & was constantly complaining or visiting the service department, to inform them of problems with the vehicle. They fixed and even had to order & REPLACE parts, on what was supposed to be a BRAND new car! I insisted I wanted out, or to trade for another vehicle! They refused!!
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My complaint is against the credit bureau Transunion. Several attempts have been made to all XXXX credit bureaus in an attempt to have a negative item removed. Transunion has failed to sign the receipt for certified mail, my letter has been returned to me by my local post office. I have sent them my request for Transunion to investigate my dispute by regular mail and have received no response. 
They have repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove my claim is true and accurate. Had Transunion seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX 's ( XXXX XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX XXXX XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
Transunion is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Transunion is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Consumer complaint received 2017-02-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation (GA)

I have an auto loan with XXXX XXXX ( now Bridgecrest ) that I opened XXXX XXXX, 2014. I am current on my loan. I will soon be unable to keep up with my loan due to my current financial circumstances. I do not want to fall behind, or have my car repossessed. I have asked Bridgecrest if they would refinance my loan so I could have a lower payment, but was told they do n't refinance. 
Selling, or trading-in, my vehicle for a better loan is not even an option. After paying for 2 years, I still owe twice the value of the car. 
I ca n't " give the car back '' or " walk away '' without owing the difference, and/or having a terrible impact on my credit. 
Now, I am stuck with a car loan I am going to soon be unable to pay, and I ca n't be without a vehicle. How can I get Bridgecrest to help me?
Consumer complaint received 2016-02-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc. (FL)

Are clearly violating my rights as a consumer, send them a request for validation, which received the day XXXX/XXXX/2016 signed be XXXX XXXX XXXX at XXXX XXXX and show proof on this site today after 30 days without being requested by law this account must be removed, never received any attempt to collect on this account, and giving me the right to dispute partially or totally the balance in question, if so, I authorize to show on this site that document and copy of receipt in my home, are trying to expand with explanations baseless this situation, the law is clear and concise, it is illegal to report unverifiable and inaccurate accounts on credit reports for consumers, it 's my choice how I choose to communication with your company, in this case the mail, under the FDCPA and FCRA if not received the requested information, are obliged to remove this information from your report from Equifax, authorize that 's to disclose any information provided to show my signature accepting responsibility for this debt, if they continue forcing report this account without legal base, will play his response to the FTC check the database CFPB, which is effectively a clear violation of consumer rights, and to take appropriate action against your company, agree not to wait for the system to be updated within 30 to 45 days, you can remove that information when they choose, each day this in my report is illegal
Consumer complaint received 2015-09-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

XX/XX/XXXX I was accepted into a new school XXXX XXXX XXXX XXXX. When I applied for a loan for school the XXXX website was not able to locate a school code for XXXX College XXXX XXXX. I made this problem aware to XXXX College XXXX XXXX XXXX founder XXXX XXXX XXXX XXXX. We sat in his office doing the loan application on the XXXX website and he entered XXXX College XXXX XXXX school code and claimed the XXXX schools were associated. XX/XX/XXXX I arrived at school to find that the school was forced to shut down by the State XXXX. Later I attended court hearing and learned XXXX College XXXX XXXX was never associated with XXXX College XXXX XXXX and was not aware of XXXX XXXX XXXX XXXX and XXXX XXXX misleading students. The state found XXXX XXXX XXXX XXXX and XXXX XXXX guilty of misleading students about accreditations, failed to make statutory disclosers and produce records and illegally accepted payments. XXXX XXXX XXXX XXXX and XXXX XXXX are not to ever conduct business in the state XXXX. From the lawsuit no money was given to me to repay the school loans that were acquired under false representation. I am asking for my loan to be discharged from American Education Services but have been getting the run around for almost 8 years. I never received my degree XXXX. I am a single mother and there is no way I can afford to pay off this {$50000.00} loan.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CO)

ATTN : EQUIFAX I WOULD LIKE TO KNOW WHY YOU ARE CONTINUING TO REPORT INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION ON MY PERSONAL CREDIT REPORT? AS I HAVE DISPUTED THE FOLLOWING INACCURATE PERSOANL INFORMATION WITH EQUIFAX BEFORE, AND ACCORDING TO THE LETTER THAT I RECIEVED IN THE MAIL DATED XXXX XXXX, 2016 CONFIRMATION NUMBER # XXXX IT CLEARLY STATES THAT THE DISPUTED ITEMS ARE NO LONGER REPORTING ON MY PERSONAL CREDIT FILE! I HAVE RECEIVED MY FULLY UPDATED COPY OF MY EQUIFAX CREDIT REPORT, AND THE DISPUTED ITEMS HAVE BEEN REINSERTED BACK ON TO MY PERSONAL CREDIT REPORT, AS YOU EQUIFAX ARE IN FACT NO DOUBT AWARE THAT THIS IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BY EQUIFAX CONTINUING TO REPORT INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION ON MY PERSONAL CREDIT REPORT! 
THE FOLLOWING INACCURATE INFORMATION SHOULD NOT BE BEING DISPLAYED ON MY EQUIFAX CREDIT REPORT, WHICH I HAVE LISTED BELOW FOR YOUR REVIEW : XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED : XXXX XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED XXXX THE INACCURATE ADDRESS INFORMATION WAS DELETED FROM MY EQUIFAX CREDIT REPORT ON XXXX XXXX, 2016, THEN EQUIFAX RE-INSERTED IT BACK ON TO MY PERSONAL CREDIT REPORT, THIS IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT! THE FOLLOWING INFORMATION LISTED ABOVE SHOULD BE COMPLETELY REMOVED FROM MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE! 

XXXX XXXX THESE INACCURATE TELEPHONE NUMBERS WERE DELETED FROM MY EQUIFAX CREDIT REPORT ON XXXX XXXX, 2016, THEN EQUIFAX RE-INSERTED THEM BACK ON TO MY PERSONAL CREDIT REPORT, AS I AM SURE THAT EQUIFAX IS IN FACT NO DOUBT AWARE THAT THIS IS A KNOWINGLY AND DIRECT VIOLATION OF THE LAWS. THIS INVALIDATED, INACCURATE PERSONAL INFORMATION SHOULD BE COMPLETELY REMOVED AS SOON AS POSSIBLE, FAILURE TO DO SO COULD RESULT IN {$1000.00} DOLLAR FINE PER UNDELETED ITEM. 

( PLEASE REVIEW MY SUPPORTING DOCUMENTS )
Consumer complaint received 2015-12-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Credit Control (CA)

This is the letter XXXX wrote that says I do not own the bill because is was not turned into the insurance company in time by the doctors staff / XXXX XXXX / XXXX / XXXXXXXXXXXX. 
On XX/XX/XXXX XXXX pended the claim for XXXX XXXX for x-rays performed at XXXX XXXX XXXX for additional information. The additional information we were requesting was in reference to pre- existing condition. This information was sent to the customer since XXXX XXXX XXXX was not the ordering provider and would not be able to provide this information. Since we are showing that this information was never received from the customer, the provider then has the right to bill the customer. On the other hand if we reached out to the provider for this information and got no response as a contracted provider they would not be able to bill the customer. 
At this point the only way we can resolve this issue is if you are able to provide us with the pre- existing information we were requesting and show proof of when you originally submitted this to XXXX . This would have had to have been received by XX/XX/XXXX to be considered timely response. 
Any questions please contact XXXX customer service at XXXX confirmation # XXXX. 
Thank you and have a great day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX PA XXXX : XXXXXXXXXXXX, unpublished property of XXXX.
Consumer complaint received 2015-08-11
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Tate and Kirlin Assoc (OH)

Tate & Kirlin Associates were calling me after I told them I 'm on Social Security XXXX and Ally had already " Charged Off '' loan as bad debt on both my wife 's and my credit reports. I also told them to stop calling. Now they are starting to send mail wanting to collect on the debt. 

Today, we have sent them a " Cease and Desist '' fax but not sure they will receive it or honor it.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

This Bureau needs sanctioning and monitoring consistently. We have inquired an inquiries and nothing done this bureau suggested you the consumer to contact the Inquiry Companies When it is the bureau to remove them when you call the companies they all suggest bureau removal when Fraud Alerts are filed. We get No where with Equifax they delay removal and refused to delete even with Court Ordered Removals. We are XXXX and look for your help to correct this report and STOP this bureau from doing nothing more than VIOLATING the Fair Credit Act.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (TX)

I had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2016-11-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I have a Paypal account that I have used for over 10 years primarily to make purchases. On XXXX XXXX, 2016 my Paypal account was frozen with the message, " Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We would like to learn more about some of your recent transactions. '' I called Paypal and spoke with XXXX, who told me that she could give me no information other than that my account was frozen for 180 days. My issue was escalated to XXXX. He told me that the account was frozen and the money was being held to deal with any potential disputes with my account. He also could not tell me what transaction was the problem or why my account was frozen. 

I tried contacting Paypal again on XXXX XXXX, 2016. I received a message back that my account was permanently limited and my money would be held for 180 days. I currently have {$3100.00} in my Paypal balance. This money was primarily loaded from my personal checking account to make purchases. Paypal has locked my account and is attempting to keep this money without offering any explanation. The closest I have got was that it was held for potential disputes. But this is ridiculous as there have never been any disputes in my account in the over 10 year history it has been open ( and also none since they limited the account nearly 3 months ago ). It appears that Paypal is attempting to steal my money.