davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (WA)

First of all, the debt that they are claiming that I owe them is false. They are claiming that I owe XXXX wireless money when I do n't. Long ago I did have an issue with XXXX, but we settled it out of court. On top of that I did declare bankruptcy about 5 months ago, so even if I did owe this company or XXXX any money, that was wiped out and they are illegally contacting me. In addition, when I contacted them to get this resolved they refused to resolve the situation and hung up on me. That refusal would also invalidate any debt even if it were valid, which it is n't for XXXX reasons already stated. Finally they were asking for my social security number, which they have no right to do and I am not obligated to give them. When I refused they refused to do anything except demand it and eventually hang up when I stood up for my rights.
Consumer complaint received 2015-12-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ALLY FINANCIAL INC. (MI)

i wrote XXXX checks and Ally bank bounced all XXXX and locked my account. When I called to find out what happen, a rep and a supervisor told me the checks were submitted on the morning of XXXX/XXXX/15 and my money transfer did n't arrive until the evening of the same day. I used Ally site to transfer money from my saving account at XXXX XXXX XXXX on XXXX/XXXX/15 and Ally locked up {$100.00} for transfer on that date. I made a second call the next day and was told by another rep the same story, I then asked to speak with a supervisor who then changed the story line and tried to claim the checks arrived on XXXX/XXXX/15 and the money did n't arrive until XXXX/XXXX/15 and that was the reason why they bounced. The problem is I have a print out from XXXX XXXX XXXX dating the money transferr to Ally bank XXXX/XXXX/15 and a copy of the check transaction dated XXXX/XXXX/15 from XXXX XXXX whom XXXX of the checks was written to, XXXX also states that all the checks had a transaction decline date of XXXX/XXXX/15. Why did Ally bank bounce the checks and lock the account when they had my money to cover the checks? I want to be reimburst $ XXXX+ in fees Ally actions has caused.
Consumer complaint received 2017-01-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX XXXX XXXX 'S OFFICE REMOVE THESE XXXX CHARGES!
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX Hospital every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with XXXX.
Consumer complaint received 2016-06-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (MD)

On XXXX/XXXX/XXXX XXXX accused me of damaging then repairing a rental car that was in my possession for a time period of 24 hours. XXXX submitted a claim with my car insurance XXXX and charged my Discover credit card the deductible fee and one-day rental fee ( a total of {$290.00} ). While XXXX investigated the matter, I contacted Discover to find out the timeline for disputing a charge. Discover told me that customers do not have a deadline for disputing a charge. XXXX found me at no fault for the accident and did not submit payment to XXXX. XXXX reported they were taking the case to arbitration. Since Discover told me I had no deadline for filing a claim to dispute the charge, I decided to wait for an outcome from the arbitration process before pursuing a dispute charge with Discover. Since it has been about 2 years and XXXX has not pursued arbitration I went ahead and submitted a claim with Discover in XXXX, XXXX. After Discover completed their investigation, I was informed that they are not able to validate the details of the claim because XXXX did not respond to the claim. Per Discover, XXXX has the right not respond to this claim, therefor, there is nothing Discover can do for me, the consumer. I feel like Discover is deceitful by telling costumers that there is no deadline to dispute a charge. Discover is misleading consumers. Not only was I a victim of fraud from XXXX but also from Discover.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX of XXXX XXXX XXXX XXXX, in State of GA, put XXXX tax liens on my property XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, on XXXX/XXXX/2014. XXXX errors on my credit reports were created when this happened. 

The XXXX mistake was that no lien should have been placed on the property to begin with. XXXX of XXXX Representative on the phone told me this always happens that liens are placed on when the city is reassessing my home 's tax valuation. Because of that, my bank ( Escrow ) short-paid the taxes based on what they assumed the taxes to be. XXXX XXXX of XXXX then put tax lien on the property on XXXX/XXXX/2014 and turned the collection on the taxes to XXXX Services a collection company that works with the city of XXXX / XXXX XXXX. When I called XXXX, they told me that the tax bill had taken care of ; XXXX issues from the same day. That is when I called the XXXX back but they would n't help any further. 

The XXXX mistake with this was they put XXXX tax liens on the same day for the same thing again for something that was out of my control because the city had the incorrect tax valuation. The XXXX tax liens on the same day for the same mistake were : XXXX for {$76.00} on XXXX/XXXX/2014 XXXX for {$76.00} on XXXX/XXXX/2014 I have contacted XXXX TransUnion to get this removed XXXX XXXX of XXXX to correct the multiple errors. Neither would take care of this. I have been trying to protect my credit report from errors such as this and really want XXXX errors removed immediately. 

Please advise. 

Thank you, XXXX XXXX, XXXX.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion The way the system is set up, it discriminates ( see attached XXXX pages ) against people who pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit. I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money, my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX/XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 

QUESTION : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation, the credit reporting agencies want to force you into debt in order to obtain a higher credit score.
Consumer complaint received 2015-11-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

On XXXX/XXXX/15 I requested Business & Professional provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
Consumer complaint received 2023-07-20
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The XXXX XXXX XXXX was included in the bankruptcy which was discharged XXXX XXXX, 2015 case # XXXX. The loan should be removed immediately. This bad credit reporting has resulted in dropping my score XXXX points and is ruining my credit rating.
Consumer complaint received 2015-12-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (CO)

Discover Bank. 
I was double charged on my first student loan payment ( I am already paying them 35 % of my monthly income ). Customer service seemed confused and insisted that they could not help me and that I needed to work with my bank that the double charge was being pulled from. I am already financially thinned out because Discover does not deal in income based repayment plans, and I am now at risk of having a " Late '' status on my account due to their mistakes. This may reduce my chances of refinancing elsewhere. 
Customer service needs to read the notes on the account prior to trying to understand the situation and further confuse the customer. XXXX of the XXXX agents I spoke to was rude and demeaning. Wasted my time.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that XXXX these accounts are verified and accurate. 

If you see XXXX V TRANSUNION 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent multiple letters asking for validation and the method of how they validated multiple accounts and questionable items on my credit report. the items that are listed on my credit account shows different balance and dates which are not matching and have not received back anything in over 45 days for these accounts that are clearly inaccurate accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/XXXX 
XXXX The following information is being reported incorrectly. 
Date of last activity shows 3 different dates, and it shows that two different companies owe the same amount. With two different balances. 
XXXX XXXX Shows two different original creditors that are not matching. 
XXXX XXXX shows account status open and the other say closed that's inaccurate. information XXXX shows 3 different dates XXXX- shows 2 different balances XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CREDIGY USA CORP. (PA)

Credigy Receivables, inc and XXXX XXXX esquire have filed a lawsuit against me for debt from 1998. First, the status of limitations has passed, second they filed a lawsuit and advised they served me with an affidavit, but I never received nor did I sign anything stating I received an affidavit. So I was never aware that I needed to appear in court. I have contacted the creditor ( credigy receivables, inc XXXX for copies of all debt and payments and affidavits they claim I 've received but I have still not received anything. They originally filed in XXXX XXXX and then transferred the case to XXXX XXXX ( case # XXXX XXXX, they won a summary judgment and had all my bank accounts frozen. When I first received the letter of the summary judgment I contacted them to find out what this was in reference to and if I could speak to the attorney that submitted lawsuit ( Credigy and attorney XXXX XXXX can be reached at the same number, attorney is never available only collection dept. I did ask the collections person what happens now, all they could tell me was that now I need to wait and see what the courts say, when they had already requested that the court freeze all my bank accounts. I am unable to pay my rent, bills ( ie : credit cards ) or buy food, I have been borrowing money that I 'll probably not be able to pay back if this continues. How can I dispute something if I never knew about it? I filed for emergency motion to open judgment or to unfreeze my account to at least pay my rent and cc bill, the judge denied this and gave Credigy 20 days to respond to my request. 
I have contacted a few attorneys and almost all of them are in complete disbelief that the courts allowed them to do this. Could someone please help as I am starting to incur more debt trying to fight this lawsuit, also credigy receivables keeps increasing the amount owed to them each time XXXX because my bank received a court order to provide credigy with how much was in my account. 
This debt has n't been on my credit report and if they win this judgment this will end up on my credit report thereby ruining my credit even more. I have never received anything from this company, but it appears they purchased a debt that was discharged. Any help would be greatly appreciated! I 'll also try to reach out to some news channels to see if they expose this company 's practices.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Last year I have been getting calls from banks unpaid accounts never did business with themI had credit cards with one bank I found that they have been used by someone not meI have been sending letters to Truns Union asking to delet the accounts all they gave methe run around sent them 3 letters in 4 mouths run around.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (FL)

I want to report to you that this company preys on homeowners by making false promises through their deceptive advertisement that they had sent to me. I thought I was a plaintiff for a lawsuit to be filed against my bank and the mail ad said my new interest rate will be 2 %. I called in to find out more information about this so when I spoke to them back in XXXX XXXX, XXXX I had told them specifically that I already applied for a loan modification and still waiting for an answer. Core advisory group told me that they are not a loan modification company and that they can help me get a better result by filing complaints against my bank. I asked them what will happen afterwards and they told me that getting the complaints open will automatically force my bank to give me a better loan modification term and I will be a better position if I have professional help so they can go after the bank to eliminate all the late fees and penalties and also reduce my principle balance. This sounded good at first, so I agreed to sign their paperwork and paid them {$3500.00} upfront plus {$120.00} for their notary service. On XXXX XXXX, XXXX my bank finally responded to my original application for a loan modification and I was approved. Core did nothing for me but draft complaints to be filed with CFPB. This is a pure scam and tricky way for them to lure people in, thinking they can do this and do that but really just take your money. I filed a complaint to them to return my money and out of {$3600.00} dollars I paid them they were only willing to give me back {$1700.00}. I believe I am entitled to the rest my money paid to them {$1800.00} based on FTC XXXX rule makes it illegal for any company that provides mortgage assistance to charge me fees in advance and that is what they did. I want my money back.
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit score dropped by XXXX points with no explanation with TransU. I have paid my bills on time to all parties. Therefore, it is unfair to deduct from my credit score XXXX points without explanation of why this was done. This leaves me in the blind as to why these points were taken and how to get them put back on my credit report. My score should remain at XXXX or disclosure must be made so that I can seek a remedy.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled my credit report from Transunion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

I am disputing DOB information reported by EQUIFAX. I have disputed the information on my credit report now for almost two months every other day. I am asked to show identification documents so that EQUIFAX will change the information ; however, the documentation they ask for is used for IDENTITY THEFT purposes and I am a VICTIM. 
They will not REMOVE the DOB from the credit report and I have included a Consumer Statement indicating that the information they report is INCORRECT. 
I feel that the person who STOLE my identity is in touch with EQUIFAX by phone and the contact is the reason why the DOB has not been changed.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My wallet was stolen in XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked for a XXXX, XXXX, be removed as it is too old, from 2006, and the credit agency just added " new '' information that was already there. I want this removed as it has been 10 years! Thank you.