davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-05
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. (CA)

I have two collection accounts which are unfairly reporting on EXPERIAN, XXXX AND XXXX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.
Consumer complaint received 2017-11-05
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. (OH)

XXXX XXXX XXXX is a HIPPA Act violation please delete.I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX XXXX
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (GA)

This is in regards to the response to my fourth complaint regarding Republic Finance and credit reporting. In XXXX XXXX XXXX a complaint was submitted regarding Republic Finance reporting a delinquent payment status on my account. After the complaint was resolved Republic Finance sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX Republic Finance reported to XXXX and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.
Consumer complaint received 2017-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (KS)

I began receiving notices about this alleged debt in late XX/XX/XXXX from two different debt collections agencies. After written correspondence with one collector, they dropped the debt as they were not able to explain to me any sort of verification that it was valid. Since then, I have sent certified letters on multiple dates throughout XX/XX/XXXX & XX/XX/XXXX to ARS trying to get the company to verify this debt as it is reporting on my credit files. The company has only responded with automated letters without providing me any information about the alleged debts. Thus far, as of XX/XX/XXXX, the company has stopped responding to my letters.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I was notified and sueing XXXX because of data breach have a security freez for free and Experian refuses to I filed complaints to CFPB over or about XXXX times now Experian has blocked me from disputing information on my credit account, Because of the XXXX   data breach I see on XXXX information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact Experian and they refuse to do anything then I found out that someone was working under my information in XXXX Washington I live in Texas. 
Then I wrote a letter to them XXXX times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked experian from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted experian they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have XXXX new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and XXXX   and XXXX and Experian are showing inquiorys that I didnt do all being done because of the XXXX data breach all three tell me they cont care and cant help me.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX ONCE AGAIN FAILED TO CORRECT ALL LATE PAYMENTS ON ALL CREDIT REPORTS. ALSO, WHEN I APPLIED FOR ACCOUNT CREDITOR PULLED A XXXX SCORE WITH ALL 4 AGENCIES. AND NOW IS FAILING TO REPORT TO XXXX.
Consumer complaint received 2017-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (MI)

I received a letter from a collector on behalf of kay jewelers/sterling in an attempt to collect a debt in the amount of XXXX dollars. The account that was opened with kay jewelers back in XXXX only had a credit line of XXXX and many payments were made to this account most for 180 per month over a year or so time span. with that being the case how can a debt collector get a debt amount from kay stating that I owe this amount? I have tried to speak directly to kay about this account and they will not give me any information and will not allow me to settle this debt with them now. Before this account was even charged off I had began a payment arrangement with them and even had made a payment for the monthly due but the representative stated that I would need to make a significant payment in order to not charge off the account even though the payment I made was enough to bring the account current, I was offered a settlement in the amount of XXXX dollars by this same rep in late XXXX and all I want to do is get all documentation regarding this account ( beginning balance, payments made to the account and ending balance ) and then settle this account in full immediately with kay jewelers. Please have an executive contact me so that I can discuss my issues with them and resolve this issue.
Consumer complaint received 2017-11-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (IL)

I am writing this letter to file a formal complaint. I was contacted by a representative for this account. As I explained to the representative the case was dismissed in court. However, even though it was dismissed in court, without me owing a debt, I did legally live in the unit and paid the rent. I went to the bank, and did research on the check. I found out the cashiers check was never cashed. I had the check reissued, the representative explained that there was an amount owed for XXXX. I explained to the representative, I was not in the unit, and was not paying. A collection agency can not take over from a court of law, I sent in a vacate notice in XXXX. We were in court in XXXX. I am not paying for a month in which I was not there. I asked to speak to a supervisor and spoke to XXXX XXXX. XXXX XXXX informed me, it did not matter what the court ruled, and the company sent this account for collection. I explained to him I am not willing to pay when I was not there and I am not legally responsible. You can not overrule a judge, he told me to check my lease. I again stated what occurred in court, and explained that I would file a bk before I pay for something that I did n't live in. He told me keep the cashiers check, and keep my money. He then hung up. Since that call, I have continued to be harassed by him and XXXX XXXX threatning to sue me. I finally gave them the name of the BK attorney. I know it is illegal and a debt collection company can not override a judge
Consumer complaint received 2017-11-04
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)

I wrote and mailed a dispute letter to Transunion delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Transunion customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information i had provided. The representative said they mailed out my results on XXXX and i had to wait until XXXX before they could re-send another copy. I reached out to Transunion again after XXXX only to be told again they would not delete the records again and that i they would send me a copy as promised before and i would need to wait another 14 days for it to arrive. After attempting to work with Transunion on several occasions, being denied on multiple occasions, my next step is to start litigation against them.
Consumer complaint received 2017-11-04
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. (TX)

I got a letter from the bank saying they ran a hard credit inquiry on my credit which turned out fraudlent. 

They have asked Equifax to remove the hard credit enquiry and thats the content of the letter there is no response from bank of a follow up nor has equifax taken any action
Consumer complaint received 2017-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX filed a state tax lien ( s ) which was reported by all three credit reporting companies. The lien ( s ) have been released properly under Cert # XXXX for XXXX XXXX reported as Release of Lien by XXXX and XXXX, However, Experian is still reporting the lien filed with the XXXX XXXX County Recorder as being an open and active lien not as RELEASE OF LIEN like XXXX or XXXX have already updated their report the reflect RELEASE OF LIEN as noted below for Experian : Experian Court / Docket Number Plaintiff Ownership Filing Date Balance Amount XXXX XXXX XXXX XXXX Individual XX/XX/2016 State tax lien
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

My husband and I each had credit cards with XXXX XXXX through Synchrony Financial. We opened the accounts in XXXX XXXX and spent {$1400.00} on one and {$1000.00} on the other. We made rehular payments on time and in XXXX of XXXX paid them both off to a {$0.00} balance but kept them open for a number of reasons. In XXXX XXXX, we each got a letter stating they were closing our accounts due to bad credit!!!
Consumer complaint received 2017-11-03
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

Closed account in 2008 never removed from credit history shows I have larger debt than I do. Fifth third bank XXXX balance shows current. Account closed Please help repair this I called fifth third 4 times and sent emails to XXXX XXXX and XXXX.
Consumer complaint received 2017-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I applied for an auto policy from XXXX, an insurance carrier, and XXXX suggestet that a credit file was obtained from TransUnion. I have requested a copy of the information on file at TransUnion, but TransUnion has not provided such.
Consumer complaint received 2017-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (MD)

I attempted to reach out to XXXX XXXX XXXX to settle a debt that is in collection. The debt is originally from Synchrony and was charged off by Synchrony at {$3500.00}. XXXX is attempting to collect for {$5800.00} at this time. I was not in a financial position to pay before, but, now, I am able to afford to reach some sort of settlement with them, so I reached out to XXXX. I advised them that I had {$1800.00} on hand at this time to pay off the amount if we could reach that agreement. They advised that they would not accept that amount and said the only amount for a lump sum they would agree to is {$4100.00}. I explained that due to financial circumstances I could not afford this. I inquired as to why the amount could not be lowered since several months prior I had received a letter stating that I could pay off the amount for 40 % what was owed. I was told that this offer was expired and the lump sum payment would again be {$4100.00}. I asked if I was able to get a little more money together if we could reach an agreement but they refused this. They stated that paperwork had been filed with my local district court by their attorney. I did a search of the court records and found no case or file associate with myself within the district court system. I 'm not sure if this was a move to place me under duress to pay the amount they wanted me to pay or not. I asked MCM several times to provide me copies of the legal documents they said they sent to the district court, but they refused stating that it was not in their company policy to provide such paperwork.
Consumer complaint received 2017-11-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

( Upon communicating with CFPB over the phone regarding initial claim # XXXX, was advised to open the new one due to dishonest and misleading response of Hyundai Motor Finance ). 

1. Company states the vehicle was retuned late on XX/XX/XXXX. This is a lie - it was returned early prior to the maturity date. Returned promptly on XX/XX/XXXX. The proof is attached ( receipt by the official dealer as well as date/time stamped photos in the lot ). 
2. Company states that it sent multiple letters due to vehicle not being returned. Two lies! First, returned early. Second, none of the letters were received. 
3. Company states that it made attempts to notify me of {$420.00} balance due during XXXX. This is actually true. HOWEVER, my first letter with {$420.00} payment was mailed on end of XXXX. It, for some unknown reason, did not make it to Hyundai and was never posted. I was then out of country due to family emergency and did not receive XXXX mail. Upon return on XXXX, attempted to send {$420.00} electronically. Hyundai rejected the payment ( see attached ). Finally, made payment on XX/XX/XXXX. 
Numerous payment attempts!! 
4. Company states that I made 7 complaints to various agencies. Lie! I made 2 so far ( BBB and CFPB ). Prior to that I attempted to resolve with the company directly on countless occasions. I was not treated with respect. No respect and courtesy were given to 7 years loyal client with outstanding payment history. 
5. If company denies again, complaints will be filed with FTC, Attorney General, etc. Additionally, numerous complains will be posted around the World Wide Web.
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Claim ID : XXXX I'm XXXX XXXX XXXX. I am also a full-time XXXX  worker. Bank of America has been receiving my direct deposit from the XXXX  ( XXXX XXXX ) twice a month. 

This is the only local Bank of America branch, with the inside recently closed ( sign on door says " temporarily closed '' ). The XXXX  drive thru ATM and XXXX exterior ATM 's are still open. 

My direct deposit hit the bank overnight on XX/XX/22. I went to the ATM and withdrew cash, to be able to pay my rent ( which was already late, and needed to be paid in cash ). 

On the morning of XX/XX/22 I drove back to the ATM, to put some of the cash back, {$1100.00}, so that I could pay my utilities online via my debit card. I need to pay my XXXX XXXX bill asap, as it is part of a " pandemic payment arrangement, '' which offers forgiveness of the past due amount. Otherwise, I will owe almost {$2000.00} in the accrued past due amount, and I'll be scheduled for shut-off. 

Then, the Bank of America ATM ate my {$1100.00} ( all in {$100.00} bills ). 

The screen displayed a message saying " there was an error ... '' and then the most bizarre question, " approx. how much did you deposit? '' I manually entered the amount I deposited, " {$1100.00}. '' Next, the ATM dispensed a receipt, showing I was credited {$300.00}??? The receipt states " We apologize for the inconvenience. We created an issue record that will be attached to your transaction. '' XXXX??? 

What is going on? Where is my money? I work too hard for this. I have been working long hard hours at the XXXX, without complaint. But, I am getting the feeling that the people at Bank of America really couldn't care less, almost as if I'm annoying them. During my last phone call to B of A checking on the status of this claim, the customer service rep " giggled '' when I said I can't afford to wait days or weeks to get this resolved. 

I was told " you should see a credit in two days ... '' today, XXXX days later, nothing. 

I CAN'T AFFORD THIS! I want my money, {$800.00} that I worked for. And I will never deposit cash in one of their ATM 's ever again in life. I can't afford to sit around quietly, when I live paycheck to paycheck. 

What a disaster.
Consumer complaint received 2022-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

After leasing from a homeowner named XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, the XXXX XXXX ( XXXX XXXX now XXXX  ) continued to provide Electricity in my name in the amount of {$3000.00} dollars plus during the COVID EPIDEMIC. We requested that our electricity be shut off, but they failed to do so. The company also said that I made a payment of a little over {$1000.00} and the adjusted remaining balance was XXXX, but I never made such payments. I provided all documents providing my new location, school enrollment for my kids, paying electricity to XXXX XXXX  in XXXX, TN. Address of our new address XXXX XXXX XXXX in TN, but they were rude and failed to acknowledge my complaint of FRAUD. The company acted as if they could not understand what was going on and could not provide me with the details. The company also holds a XXXX $ deposit which I have never been reimbursed.
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I did an online dispute XX/XX/18. The company updated the account within the 30 days. I sent via certified mail a letter requesting the company verify information on XX/XX/18. ( Example uploaded ) The company deleted the account XXXX stating meeting FCRA requirements. On today XX/XX/18 the company put the deleted item back on report and removed the wrong account ( XXXX XXXX XXXX XXXX ) ( uploaded screenshots ).