davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation (IL)

Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have ( 5 ) five different amounts from Account Resolution whom they have stated I owe Account Resolution. Of these five debts, two are the same amount. ( {$200.00}, {$88.00}, {$120.00}, {$120.00}, and {$160.00} ). After speaking with a representative from Account Resolution asking repeatedly to send me documentation of these accounts, services date, signed and verifiable signature of a contract that they say I have with Account Resolution, absolutely nothing has been sent to me. I have repeatedly sent letters to the Account Resolution asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Account Resolution and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Account Resolution can furnish to me.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COMENITYBANK/KAY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Employers : XXXX PLUS Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX XXXX XXXX Former : XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As : XXXX, XXXX, XXXX Name : XXXX XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MI)

We just refinanced with amerisave. They lost my first payment. I had to keep calling to see if they could find it, they never did. Finally on the last day before the payment would be late, I had to pay over the phone. Then I had to go to my bank and cancel the check. For my second payment I didnt get the bill until the day before it was due. I sent the check in right away and they still havent cashed it yet. I have made numerous calls to the company without a reasonable solution. They asked that I submit payments online, but when I tried to sign up for the online portal- the program could not locate my account information. The person whom I called about it said they would fix it and get back to me but no one ever did. I am very unhappy with this company and am nervous about my payments not being processed accurately.
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

There was a collection placed back on my credit report after being disputed last year and REMOVED. The collection was placed back on my report XXXX first. Now from I understand if a collection is removed and is being placed back on my reports I have to be notified by the credit bureaus. I was not notified of anything. XXXX  removed the account in XXXX and XXXX  and Transunion was removed in the summer of 2020. I have taken a nose dive in my scores because this account is inaccurately reporting. I called XXXX  and was told they never removed the account, its always been on my report. I sent the bureau all the report numbers that i received last year without that account in there. At this point I want everyone to follow the rules. The law is in placed for a reason.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I have been a customer of USAA for many years now. My wife is linked on my account as well. I have never had an issue with deposits and fund availability until recently. My daughter who is currently a service member was scammed out of a lot of money and my wife is listed on her usaa account as well. Usaa is now holding all checks deposited into my account unfairly. I have questioned it and was told its due to my wife being linked to my daughters account. My wife does no deposits on the USAA account and its honestly my sole account. I have requested it to stop and usaa is not acting on it. Yet again showing how they truly dont care about their veterans and long time customers
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington Bank without notice, any court order or other legal means capriciously seized all my funds in a checking account I've had for decades. When I attempted to transfer my funds to another bank, Huntington Bank blocked the transfer. I'm a permanently XXXX former state XXXX and rely upon very limited SSI. Huntington Bank seized stimulus money and could provide no explanation. I can not pay my bills and insurance and am at financial risk of peril and/or becoming homeless. The lady from the Huntington Bank Risk Department could not release my money.
Consumer complaint received 2021-02-09
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: Experian Information Solutions Inc. (DE)

There was a collection placed back on my credit report after being disputed last year and REMOVED. The collection was placed back on my report XXXX first. Now from I understand if a collection is removed and is being placed back on my reports I have to be notified by the credit bureaus. I was not notified of anything. XXXX  removed the account in XXXX and Experian and XXXX was removed in the summer of 2020. I have taken a nose dive in my scores because this account is inaccurately reporting. I called Experian and was told they never removed the account, its always been on my report. I sent the bureau all the report numbers that i received last year without that account in there. At this point I want everyone to follow the rules. The law is in placed for a reason.
Consumer complaint received 2024-10-26
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: SYNCHRONY FINANCIAL (IL)

My financial problem issue is with the synchrony credit finance corporation in reference to two credit card accounts I took ownership of with their approval ( Phillips76 and JC Penney ). A few issues that are by my recorded contract with their service is the abusive fee charging schedules and just recently a payment was canceled so that more fees and interest could be charged to keep the account from closing even though they have frozen my ability to use the card for more than six months ( XXXX XXXX XXXX 
Without the contractual notification, is it legally possible for a closed account with a creditor to accrue interest on the amount owed? 
A similar problem has begun to occur with the JC Penney account as over the summer my card has been frozen, and this particular credit account was given access before the Phillips 76 account to my bank account for monthly payment obligations though not as automatically deducted amounts .... 
Maybe I'm not trying hard enough to contact them but their contacting third party bill collectors over the past year, in my professional opinion, is quite premature! I have used the credit union 's electronic/ online bill payment features for the past two years ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL ) and their record have been corrupted concerning my account membership status. 
What to do is really very imprinted upon the forefront of my thoughts every morning. Why do congressmen and congresswomen deserve more involvement than helping to create business relationships of these kind?
Consumer complaint received 2021-02-08
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. (CA)

i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies P/N XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EMCC Holdings, LLC (FL)

XXXX ( Equiant Financial Service ) offered me and my husband a timeshare while on vacation to XXXX XXXX, Nevada  in XXXX XXXX, 2019. Under consideration, we completed the application process but the following day decided not to move forward with the contract. We was given five days to cancel without penalty. After many attempts to reach XXXX, the number provided was incorrect. I finally located a valid number, contacted XXXX, to proceed with canceling the contract ( loan ). 

I was assured by the representative it was canceled. However, I found a charge on my XXXX XXXX and XXXX card where a transaction was processed without my authorization. I disputed these transactions and was given a full refund as the investigation deemed I was not liable. The company, XXXX was notified. However, months later, during an application for a home loan, I was notified there were derogatory marks on my credit report for the timeshare. 

The company XXXX has not provided documentation as requested confirming cancellation and refuse to provide any legal document, confirming there is a contract. Moreover, after many attempts of contacting them in XXXX, the representative and supervisor refused to provide documentation and only requested I pay a large sum of money to satisfy a debt, that is not legally mine. 

They refuse to further assist me. I am seeking immediate resolution to remove EQUIANT FINANCIAL SVCS XXXX TimeSharedLoan XXXX11fXXXX all three credit bureaus.
Consumer complaint received 2022-10-28
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. (PA)

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2020 a credit in the form of a payment was posted to my American Express credit card account in the amount of {$4000.00}. 

That same day I immediately called American Express to inquire about the payment and reported to them that I did not make the payment. They investigated the payment with me on the phone and indicated that they could not tell me who made it and that it was listed as anonymous. I specifically asked them regarding charging against that amount / credit, because I was concerned it would be reversed, and was told that there was no reason they could see to not go ahead and charge against it. 

The payment / credit stayed on my account and they allowed me to charge against it for over a month. Then, without any advance notice, warning or explanation, on XX/XX/2020, I noticed they had debited/charged my credit card the {$4000.00}. 

That same day I immediately called American Express to dispute the debit / reversal of the payment onto my card. They stated that it was still under investigation, needed to look into it further and would not remove the {$4000.00} charge from my card. They stated that my call with them on XX/XX/2020 was recorded and they would need to review that call before taking any action, but repeatedly suggested that I might be responsible for the charges against that {$4000.00}. 

This was not my error. I called upon noticing the payment to report it and was told to charge against it. This card normally has a limit of only {$2000.00}. I have always paid this card on time, usually early. I would have never charged the card for this amount had it not been for the credit/payment they posted and if they had not indicated that it was ok to do, while continuing to let the credit remain on my card for over a month with zero indication that they would revoke it.
Consumer complaint received 2020-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

A Collection note was included on my Credit Report on behalf of XXXX ( XXXX XXXX XXXX ) for {$540.00}, corresponding to an account open in Illinois State, under my name and Social Number, I dispute this using XXXX and didn't solve it, I walk to a XXXX XXXX XXXX Corporate Location and they found all the information about the Identity Theft and gave to me tools to complaint to XXXX XXXX XXXX Fraud Department, in where I already file a Identity Theft Complaint. 

I never live in the State of Illinois, I have been living in U.S for 5 years and always in XXXX XXXX, Florida area. 

I never share my personal Information ( SSN, Bank, Passwords, etc ) with nobody else.
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2024-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Overland Bond & Investment Corporation (IL)

I recently encountered a concerning issue with my auto loan servicing. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX, with payments scheduled for the XXXX and XXXX of each month. Due to recent XXXX on my XXXX, I was XXXX  and unable to make my payment by the due date of XX/XX/XXXX. I informed XXXX via text message that I had just returned from the hospital and would be able to make the payment within the upcoming week and asked to let me rest. Instead of replying asking for a date, which would have been XX/XX/XXXX, he continued to allow the system to randomly run a process for the payment. 

Despite my clear communication, XXXX proceeded to process the payment on my account as soon as I unlocked my card for essential purchases such as XXXX  and a XXXX  diet. XXXX response to my situation was that he could not process payments for a later date and that he had tried calling me, to which I had mentioned my difficulty in speaking due to my XXXX and preferred to communicate via text. I asked why didnt he respond via text when he read the text. XXXX response was how was I supposed to know you couldnt speak. 

I am concerned about the lack of flexibility and understanding in this matter, especially given my health circumstances. Additionally, I believe that the company 's practices may not align with ethical customer service standards. 

I would appreciate a review of this situation and a resolution that considers my current health situation. Please let me know if there is a way to address this issue or if further steps need to be taken. 

Thank you for your attention to this matter.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax continues to report the XXXX XXXX XXXX partial account number XXXX as account not disputed. I have contacted the bureau on multiple occasions to in fact dispute the validity of this account. The bureau has not even bothered to investigate this and report the status correctly that this account, is in fact in dispute. It is a violation of the Fair Credit Reporting act to not report accurate information on a credit report. I respectfully request that Equifax do their job and either remove this line item and/or update the status to report account in dispute. The false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

The original debt is from the City of XXXX and it was sent to collections company by the name of CMRE Financial Services.  the original bill is dated XX/XX/18. This is a bill that should be covered by XXXX XXXX as that was my insurance carrier at that time. the company refused to send the bill to XXXX so sent it to collections and it is now a ding on my credit report. I called CMRE a few times with the XXXX information and they refuse to send the bill to XXXX. I believe it is unlawful to bill a person covered by XXXX. I sent the City of XXXX and CMRE a copy of my insurance card and they refuse to process the billing. The amount is {$1900.00}. The bill from the City of XXXX has an address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. CMRE XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX Thank you for your help
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

On XXXX XX/XX/21 at XXXX XXXX, I received an automated call from XXXX advising me that my XXXX credit card had been charged {$700.00} from a location in Ohio. The message instructed me to follow various teleprompts if I disputed this charge. I immediately ended the call and contacted a customer service representative via the number on the back of my credit card who notated my account and later sent an e-mail providing this hyperlink.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (TX)

XXXX XXXX was paid on XX/XX/2020 in the amount of {$360.00}. Should of have been removed off credit report and it still shows. 

XXXX XXXX XXXX was paid on XX/XX/2020 in the amount of {$1300.00}. This should of been deleted off credit and it is still showing. 

XXXX was paid on XX/XX/2020 in the amount of XXXX they said it would be removed but it still shows on my credit report.
Consumer complaint received 2021-02-08
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)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692
Consumer complaint received 2021-02-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (FL)

Robinhood has locked my account, an account that hasn't had a trade executed in several years and which the account balance is {$140.00}. They will not let me withdraw the money and have not responded to multiple requests.