davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

on XX/XX/2020, i notice some inaccurate and incomplete items on my credit reports from XXXX, EQUIFAX, AND XXXX. So on the XXXX of XXXX, i disputed the items with the 3 companies and has attached copies below of the letters that i responded and hasn't heard anything back from neither of them.i also wanted my address updated because they are reporting inaccurate addresses as well
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL PAYMENTS DIRECT INC. (PA)

The previous complaint was closed and is being re-opened. This is not a duplicate of an existing complaint as this is related to activity that happened after an earlier complaint. Stop closing valid complaints. 

Global Payments Check Services LLC is acting under malicious intent for deliberately burying certain clauses in the " Terms and Conditions '' on the PA XXXX 's website. I'm suspicious of their company due to various incidents which have taken place in the last month. After 1 transaction was returned due to insufficient funds, the company attempted to take the {$40.00} Principal that was owed and also the {$30.00} fee they charged, both which were successful on a second attempt. However, on XX/XX/2020, I received a letter in the mail from the company alleging that I owed {$70.00}. I called the company and a representative claimed that it's their policy to auto send a letter after a payment is returned once. Yet, they have every intention of resubmitting it a second time. The reason for the " letter '' is because and I quote " We don't know if it will clear a second time. '' The company consistently deflects any responsibility for 1 ) Wasting paper because of what they call a policy, and 2 ) Maintaining Consumer Data in their own database to which was not explicitly made clear other than vague references  throughout the Terms and Conditions. In addition to this, the Terms and Conditions are written in a way to confuse people. I'm also concerned because this company has been caught red handed in the past, just around a year ago. The supervisor I spoke to on the phone also made some alarming claims. He had claimed that " any company can be breached with data. '' He had made this statement as if this will happen on a regular basis. Even more concerning, is that every time I would bring the " Data '' concerns up, they would claim that I agreed to it in the Terms and Conditions, and that they wrote the Terms and Conditions, yet, it's the " Site 's fault '' for consumers being misled into thinking the information is only within their limitations. See the details here : XXXX XXXX   XXXX
Consumer complaint received 2020-09-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

Im XXXX XXXX, XXXX XXXX  company in XXXX TN, XXXX is reporting a mortgage to my Equifax credit when do no not have a mortgage with them! Ive disputed it several times and was never resolved. This problem has been going on for 12 years and its effecting me financially! The mortgage is my fathers who has the same name as I. Ive contacted XXXX dozens of times but still no action has been taken!
Consumer complaint received 2020-09-25
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. (VA)

I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.
Consumer complaint received 2020-09-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I applied for a loan with Amerisave Mtg. on XX/XX/20 with a XXXX XXXX. I was told initial upfront fee to be paid {$500.00} and that it would be deducted from my closing costs. 
I paid the fee and applied for loan and submitted all my loan documentation to XXXX and was told should hear quickly as my income and property were good to go. After some time ( 5 weeks ) contacted XXXX who told me to contact a Processor by the name of XXXX XXXX XXXX XXXX told needed some additional information that I had already sent to her and XXXX. I sent again and was then told need additional documentation which was sent over to them same day.I am in the mortgage business so I know how crucial it is to get all paperwork in so can be reviewed and approved. FINALLY I was told to expect a Notary at my house on XX/XX/20 to sign our loan documents at XXXX. No one showed up or called us. I tried to get a hold of someone today by phone and email. NO response! .We feel we are being scammed due to being senior citizens and do not want to do our loan. They took out {$500.00} up front which I think is against current California laws. All we want to do is sign our loan documents and close our loan. PLEASE HELP. 
Thank you.
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC. (MA)

XXXX XXXX XXXX offered to pay him out of pocket for his services because the amount would be much smaller than if I have to pay a copay through my insurance and he doesn't have to deal with lengthy process through insurance to get reimbursed. I agreed. 

A year later my insurance got changed and this doctor office suggested to run it through insurance to see how much it will reimburse. And I WAS PROMISED that if my copay amount continue to be bigger than what I paid out of pocket as a hard cold cash - I won't be held liable to pay off the difference. 
I also told them if I knew I will end up.paying this much - I would reject the services upfront. 

Well, dispite the years of good relationship - this doctor and his billing office decided to ruin it all and go ugly on me. 

They started to bill me for the difference. I said I agree to pay the amount we negotiated but not what my insurance didn't cover. 

Well, they reported the balance to all credit bureaus. I have to say, considering the amount is only {$130.00} - this is very shallow of them to go that far. So a year or so later, in 2020 I called and attempted to resolve it one last time. The collection lady was nice and reasonable and tried to help. Well she responded later that she contacted that doctor 's office and their billing office and they refused to negotiate and discuss anything about this account at all. 

It is a shame - he is a good skilled medical professional but as appears very cheap. 
He lost much more on a long run than the stupid balance he tried to collect. 

As for me, it is not about money - it is a principal issue. I was promised one thing but then got dragged into this medical insurance soup opera and got hunted for it as a result.
Consumer complaint received 2020-09-26
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

FLORIDA XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FLORIDA XXXX XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4500.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX Bal. {$730.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, affirm Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

on XXXX XXXX an account was reported on my credit which is believe is completly incorrect and needs to be removed. I was been difficult for me to obtain a place to live due to this account and I need it removed on XXXX XXXX a account was reported negatively to my credit which have made it hard for me to obtain new credit. Due to Covid-19 I was unable to settle the account and I believe this is unfair and should be resolved
Consumer complaint received 2020-09-10
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. (NJ)

The XXXX XXXX XXXX  was paid in full. I provided that information to Experian, XXXX  and XXXX. The information on my credit report still reports that I have an outstanding balance and use 165 % of credit for that account. I need the account repaired! That error has kept me from making a major purchase. 

On XX/XX/XXXX I reported the sale of my XXXX XXXX to Experian, XXXX, and XXXX. To date the XXXX XXXX account has not been updated to reflect said sale. 

The unfair credit reporting practices has caused hardship on me and my family. We do not have transportation because I can not secure an auto loan based on the information inaccurately reported in a timely manor. 

Attached is the proof that I paid off XXXX XXXX  and paid off XXXX XXXX. Can someone help me fix this issue.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I have made timely payments to Wells Fargo on a monthly basis since XXXX of 2020 without being late. They still have me as delinquent and this has negatively effected my credit score.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated (NM)

Ok my complaint is for XXXX New Mexico EPPICard customer service agency. My card is not working currently under fraud suspension. I was never notified I had got the card XX/XX/XXXXstop working XX/XX/2020 so since XX/XX/2020 I been calling the customer service number XXXX and do they love to keep you on hold for 5 hour at a time!!! So for almost a month the customer service representative would tell me that they weren't the ones I needed to contact that I needed to call the states unimployment office so I would then the states unimployment office would do the same tell me there was nothing they could do and I can't begin to tell you how much time I've spent on hold since  XX/XX/2020 even now XX/XX/2020 still they have to activate my card eventually I was told to email XXXX 2 form of identification which I have done about 30 times I can't go to the state unimployment office due to COVID the unimployment office is closed to the public so I can't go in personally I don't get anywhere with these lausy customer representatives or the unimployment State office I'm so fed up with this nonsense someone needs to actually do there job and help me instead no I get the run around and sometimes get transferred to u existing lines so after waiting 3 hours i get supposedly to transfered but theres no hold music just hangs up I got a letter from the EPPICARD payment  processing service XXXX XXXX XXXX XXXX XXXX, TX XXXX so it's the fraud services department it's XX/XX/XXXX this letter bearly came XX/XX/XXXX this letter is dated XX/XX/2020 I well add a picture of this letter to documents any how stats that they attempted to contact me to verify recent activity on my current card which is suspended by the way that my card has been placed on temporary restriction and that all I had to do was contact the number list and verify it was me and that my cards restriction would be removed well nothing yet I called the Fraud services department XXXX XXXX and was told since the letter was so long ago that no longer applied that I had to email 2 forms of identification to the XXXX and I did at least 7 to 8 time already I'm so fed up and I don't know how much money I've spend calling these agency to get absolutely no where and a head ache im stressed out I'm tired of these agency I would to be reimbursed for all the charges for the calls to agency because they were not doing there job and I want my card unsuspend ASAP As Soon As Possible Please
Consumer complaint received 2020-09-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are two collection accounts on my credit report by XXXX XXXX XXXX who claim they are collecting a debt they bought from XXXX. I have not signed a contract or created debt with either company. I have disputed the accounts several times with the companies and with the 3 credit bureaus. The credit bureaus and the company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously requested a a signed contract or agreement between the parties and I and have not received it because it does not exist because I did not create a debt with either of those companies. I have asked the credit bureaus to remove the invalid debt several times but they have refused to. They have also send me investigations far past the 30 days that are required.
Consumer complaint received 2020-09-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX  XXXX XXXX has allowed XXXX XXXX  to share my social security number and address to Portfolio Recovery Associates for 2 alleged debts one which allegedly occurred on XX/XX/2011 and the other alleged debt on XX/XX/2011. 

These two alleged debts are without merit, because I never received a request for my alleged debt, therefore no debt validation. letter was ever provided. These alleged two debts are not only inaccurate, they are and never have been validated, they are a defamation of my character, they should be removed from my credit report effective immediately as the way the other credit reporting bureaus have removed these unvalidated alleged debts. This horrendous mark on my credit report especially during this pandemic is preventing me from trying to sustain a solid good credit background. I am requesting effective immediately they be removed. 

File # XXXX XXXX
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (IA)

I was working with the resort ( XXXX XXXX XXXX XXXX XXXX to pay all my dues accordingly. I was under the impression that we were working towards a resolution. Out of nowhere, my remaining balance was sent to a collection agency. The way I found out was when Monterey Financial Services reached out about collecting a debt that was owed. The resort never informed me that they would be sending this over to collections. As mentioned before, we ( resort and self ) were working together to resolve this matter. I had reached out to the resort for help due to my hours being cut back at work and wanted to resolve things as best as possible. It is no secret by now that timeshares are a scam and this has taken a really big toll on my finances and my personal life in general. Before the resort sent my account to collections, they refunded me a {$1000.00} deposit, which I took as a sign that we were on the right track. Imagine my surprise upon receiving communications from a collection agency. As soon as I heard from Monterey, I asked them to cease all communications as it stated on the letter that it was from an Attorney ( rather than the agency itself ). There main point of reaching out was to inform me that my balance needs to be paid in full and that until then, a collection will be appearing on my credit report. This collection agency has left harassing telephone messages and has a very intimidating demeanor, which I do not appreciate. I feel as my rights have been violated.
Consumer complaint received 2020-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

I received my credit score and credit report updated for the month of XX/XX/2020 with a 14 point drop. The credit reports I received explicitly mentioned that there was nothing justifying the drop. I submitted all my financial data to a financial analyst who confirmed my suspicion that it was a mistake. 
Whether the mistake was malicious or not we dont know. In one of the reports, something about my medical information, which surprisingly couldnt be disclosed to me but could be disclosed to credit agencies, was mentioned. If so, I demand the credit agency contact the source of this information since I am in a legal contention with them and they not I owe me money. 
This third party has retaliated in many forms, none legal, and I have been able to dodge their attacks. I demand the credit agency to fix my credit score. I worked very hard to reach the excellent credit score I had and I do not intend to accept more corporate retaliation. 
This issue involves all three credit agencies : XXXX  XXXX  Equifax
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

I have multiple trade lines on my credit report but I've been told that because they know I'm XXXX by identifying my social begins with XXXX and end with a XXXX I have a lower score then those that began with 200 or 100 which are XXXX.
Consumer complaint received 2020-09-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services (MO)

I purchased a XXXX XXXX XXXX XXXX, under the lease program with Mercedes Benz Financial Services in XX/XX/XXXX. At the end of my lease I turned the car into Mercedes Benz dealership, and purchased a new XXXX in XX/XX/XXXX. The dealership requested a pay off amount for the XXXX XXXX XXXX which  was being traded for the new car I had purchased. Mercedes Financial Services sent the dealership the payoff required with the full dollar  amount needed to complete the transaction on the old car. Three months later, MBFS sent me a bill for over {$6000.00} dollars on the old car I had just traded in, in order to purchased the new car. I was affected by COVID 19, and do not have the money to pay this debt, which should have been included in the payoff request made by the dealership. MBFS has also submitted a balance on this account, to all the major credit reporting agencies, on a car I do not have anymore. MBFS as set out to ruin my credibility on a car I have never been late on the entire time I've owned the car. I have never had a late payment on this automobile. The car dealership asked for the full payoff on the car, so I would be completely done with that car. I would like MBFS to show zero balance on this trade line at the major credit agencies.
Consumer complaint received 2020-09-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have file disputes with all 3 credit bureaus back in XXXX and yet have heard anything. I understand that with covid things are slow but still should not take 40plus days to get results
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OR)

I signed up for a an offer through Chase bank for additional bonus points when signing up for the Sapphire Preferred card. This offer is for XXXX points rather than the standard XXXX. I applied through this link ( https : //creditcards.chase.com/XXXX   XXXX & XXXX & XXXX XXXX   XXXX ), which is still publicly available, and completed the application. Once approved, Chase applied the XXXX promo and not the advertised XXXX points. I have attempted to reach Chase by phone and secure message on multiple occasions and they have declined to match the advertised offer that I applied for, stating that they will not change it or address my questions any further. I was also sent a direct email targeting this offer ( https : //e.chase.comXXXX ) which was submitted and they still will not honor.