davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX, I contacted Synchrony bank regarding my paypal credit account for settlement. The amount I owed was {$4200.00} and the bank agreed to settle my account for {$2100.00} in 3 payments : 1 ) {$700.00} due by XXXX/XXXX/2020 2 ) {$700.00} due by XX/XX/2020 and last payment should be processed on XXXX/XXXX/2020. I made 2 payments out of 3 payments ; I made my first on XX/XX/2020 and second one wasn't made on time because the bank told me that they made a mistake on the second payment process and they apologized to me for that mistake and it was processed on XXXX/XXXX/2020. 

So, today when I called the bank today, XXXX/XXXX/2020, to process my last payment, they refused to process it. They said to me that my account was defaulted because the second payment wasn't processed on time. At first, I believed it was a joke because I personally called the bank 3 times on the second payment when I didn't see it posted on my account and it was the same thing that they ' ve made mistakes during payment process and they knowledged that they had used different method to process the second payement and my bank had rejected the payment. Honestly, don't know what they kind of method it was ; I have idea. Once again, the bank apologized to me on the phone for the mistake they made and they told me to call on XX/XX/2020 to make final payment. 

Surprisingly, today they rejected my last payment because of the mistake they made themselves. Insistead to accept, they offered me a new settlement proposal and I accepted to listen that proposal and she hang up on me. So, I called them back and it was another agent ; she said to me that my account is under review. I don't know what she means by that. 

Please! CFBP help me. This thing has to stop.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX Balance {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

Hi, I received a notification this morning that a collection was added to my credit report. I can testify never received a phone call or written notification from this debt collector named " IC SYSTEM ". This activity dropped my credit score by 45 points. This is so frustrating! I have never dealt with anyone from this company " IC SYSTEM ". They are trying to collect  {$320.00} on behalf of XXXX. I have no knowledge of this debt. I dealt with XXXX in the past, but this looks so strange to me because I returned the equipment. That was the one thing I owed them. Equipment was returned! And I have never received a final bill or something stating I owe XXXX money. Why big company like this can be negligent? Thanks for helping me in this matter.
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.
Consumer complaint received 2020-09-29
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)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (WA)

My mortgage was transferred from one company ( XXXXt ) to TIAA Bank. I have 2 complaints : 1. I was not given sufficient notice of the transfer. I received notice by letter less than 2 weeks prior to the  next scheduled payment date of my mortgage payment. As I travel a lot, this meant that my automatically scheduled payment to the prior mortgage company was rejected, and my mortgage went unpaid until I returned home and saw the letter. I do not know who is responsible for notifying me of the transfer, so I'm not sure if this complaint is against XXXX  or TIAA, but I assume TIAA ( the new mortgage company ). 

2. TIAA bank has deficient online access to my mortgage. I constantly receive error messages when trying to set up online access to my account, and am still unable to do so. I have spent hours on hold with the company trying to reach a human, and often give up after hold times of over 2 hours. I have tried calling on multiple days, at different times ( but always during business hours ). 
Last month, I finally talked to a human representative who assumed me, after over 3 hours on the phone, that she's resolved the problem and i would have online access within 48 hours. This turned out to be false. I reached someone today ( XX/XX/XXXX ), who told me the exact same thing the last person did - that she'd fixed the problem and I would have to wait 48 hours before possibly getting access online. However, this means that I won't have access until one day AFTER my payment is due. The failure of their systems and extreme difficulty in reaching a human to talk to is unacceptable.
Consumer complaint received 2020-09-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc (TX)

Mid America Mortgage failed to disburse surplus escrow funds in the 20 days required by " XXXX Timely escrow payments and treatment of escrow account balances. '' upon payment in full of the loan. Multiple attempts were made to request additional information about the process and only upon threatening to raise the issue to authorities did the servicer make any noticeable attempt to correct the issue.
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

I am writing to complaint about a series of account holds/restrictions which HSBC is imposing on my accounts. On XXXX/XXXX/2020, I have made a check deposit for the amount {$1700.00}. On XXXX/XXXX/2020, an HSBC representative stated that the system had picked off the {$1700.00} deposit and therefore all of my online access has been suspended until this restriction is lifted. This is not the first time that all of my accounts have been on a complete " lockdown ''. Just recently, on XXXX/XXXX/2020, a hold was placed on my checking account for a check deposit of {$100000.00} for the same reason as stated by the representative -- the system had picked off that check. 

Similarly, on my HSBC credit card there were a total of 5 blocks placed for making payments. On XX/XX/2020 a block was applied ; on XX/XX/2020 due to the account status a restriction was applied on the account ; on XX/XX/XXXX a block was applied again due to " consecutive payments '' made. Attached is HSBC 's response regarding the blocks on my credit card account.
Consumer complaint received 2020-09-29
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: LEXISNEXIS (GA)

I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX  tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.
Consumer complaint received 2020-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is my final attempt at fixing errors Transunion refuses to correct on my consumer file. Transunion has a well-documented history of mishandling public records ( See Clark v. Trans Union LLC, Case No. 3:15-cv-00391 and Anderson v. Trans Union LLC , Case No. 3:16-cv-00558, both in the U.S. District Court for the Eastern District of Virginia ) . Transunion is also known for their haphazard method of safeguarding consumer records, going as far as to label innocent consumers terrorists ( McIntyre v. TransUnion, et al., Case No. 2:18-cv-03865, in the U.S. District Court for the Eastern District of Pennsylvania. ). Moreover, Transunion has a storied history of failing to properly investigate and notate credit report errors on my credit report as evidenced by the countless times I have had to correct errors with them since 1992
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is stating on my credit report that I have 1 late payment but I never been late and all my accounts are exceptional payments history 100 % I have called and ask politely if they can removed the 1 late payment comment on my report because its inaccurate information when creditors pull my credit it state that I have a late payment delinquency. I dont think its fair that this mistake was made on my report when clearly you will see when investigating that I have never been late on any of my closed and open accounts as I mention my payment history is 100 % exceptional so it doesnt make sense that Experian has misinformation on my credit report. I am asking that you can help me by removing that comment on my report. I appreciate your time and sorry for inconvenience.
Consumer complaint received 2020-09-30
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: ENCORE CAPITAL GROUP INC. (OH)

Contacted Midland funding XX/XX/20 and attempted to pay a bill owed to a credit card company XXXX XXXX XXXX. I paid XXXX for the bill receipt XXXX. I advised them my employment was lessened by covid 19 and that I might be filing for bankruptcy. They stated, " you have another bill that is 15-20 years old. '' I advised them I was not aware of the bill but that it was over 7 years old. Company " removed '' the bill that I paid as opposed to listing it as paid. Credit report shows total debt  owed decrease by XXXX dollars bill is still showing as unpaid. Advised me that they would mail a receipt. I never received a receipt. I requested the receipt be faxed several weeks later and was advised it would take an additional 7-15 days I am a covid victim and have enough to deal with and believe this to be inappropriate.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9900.00}, {$9800.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$9800.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-29
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. (IL)

TransUnion and XXXX  are fraudulent on my following accounts : XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-09-30
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)

XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are XXXX, XXXX  and Experian. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

XXXX XXXX
Consumer complaint received 2020-09-30
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. (CA)

XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are TransUnion, XXXX  and XXXX. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

XXXX XXXX
Consumer complaint received 2020-09-30
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: Experian Information Solutions Inc. (VA)

On XXXX XXXX, 2020, my FICO credit score was reduced by 17 points because XXXX  XXXX XXXX XXXX my credit card company ) reported that I have made a late payment. The balance owed on my account was {$0.00}. I dont understand what am I supposed to do exactly? Send a check for {$0.00}? I dont understand why they reported me. 

I tried calling the company on XX/XX/2020 to resolve the issue. They stated that they will remove the report, but have not done so. 

This is a malicious practice that they are doing needs to stop. I will pursue legal action if I have to.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery has called me numerous times. Today, they called me at work and wouldn't even tell me what they were calling about so I hung up. I then called them back and they referred to some credit card ( Visa ) that was opened in 2008 and they said I owed over {$3000.00}. I am not even aware of a credit card or bill that I owe from that far back. The lady on the other line typed in my information when I said I wa n't paying it because I am unaware of that bill. 

There number is XXXX. I asked them to please stop calling me.