davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

XXXX reports incorrect information to purposely bring down my credit score. They reported that they have increased a student loan from {$1000.00} to {$9000.00}. I am on an income based repay plan and they should not be increasing my students loans in huge incorrect amounts just because they feel like it. They are trying to make it so that you never pay the loans off by increasing to incorrect amounts to benefit others.. Also, the balance with XXXX XXXX XXXX has not been updated. The credit bureaus are not updating the balances on accounts unless the balance fraudulently increases. They are a participant in the evil doings.
Consumer complaint received 2020-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Resurgent Capital Services L.P. (DE)

After advising XXXX, of my financial situation when my son went into XXXX XXXX  and asked if I could extend the life of my loan until I went back to work and they advised that I could. Two weeks later they took over {$300.00} out of my account and the following week another payment over {$300.00}. I called and explained the issue and was told it wasn't noted and it wasn't anything they could do. Fast forward a few weeks from that conversation in 2019, they placed me in collection with the incorrect amount.
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Once again someone is trying to collect a XXXX debt that is not MINE. They are trying to COLLECT from a XXXX XXXX XXXX ... This is NOT Me. This is the forth time I have reported this ... It goes away for a few months and a NEW Debt Collector comes back. I NEVER had a XXXX account. PLEASE MAKE IT STOP. I have submitted all necessary paperwork to the creditor and still no resolve. I am done providing them this information as it is a waste of time.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

We responded to an offer by Chase bank to open a checking account and receive a {$300.00} bonus if we did a direct deposit over {$500.00} per month.While we were at their office they accepted my application and forwarded a request to the Treasury to switch my monthly SSA check of {$1500.00} to Chase.One week later we received a letter from Chase that they are closing the account. No reason was offered.We have tried to find out why they did this but Chase insists that they do not have to tell us why. We are very upset and puzzled since we have excellent credit and financial assets.We would like to get answers.
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Hi : Incorrect payments, Misleading Payment settlement, Refusal to send Payoff I was sent a notice that my payment obligation is transferred but this provider and their system is not prepared at all to handle this transfer and servicing. 
I continuously observe lapses in all the tasks. 
1. Loancare did not credit the money properly after transfer. I had to followup to ensure the money and i was informed then that they a new account number which they did not inform, marking as delayed payment 2. Loancare unauthorized escrow payments disbursal, multiple times for the same service. This resulted in huge inconvenience to followup for cheque reversal.

3. Payment disbursements were effected in duplicate and 6 weeks before due date 4. Following this, I had sent at least 20 emails and 15 telephonic calls and I was not able to reach the customer service. With those who i managed to talk, do transfer me to the right contact who never will pick up the phone. My issue is still unresolved and time is now 6 weeks past 5. I accidentally learned that my last payment is placed under suspense account, triggering interest payments with no information. I hear that they are charging me interest of {$100.00} for the money that was not received, but placed in the suspense account. Repeated calls to customer service were not received nor call back. 
6. I have submitted multiple request for pay-off statement and they did not perform. They say 24 hours but it has already passed 4 days with no attention. 

Such consistent failure has fueled doubts in their capability and strongly suspect of their integrity in delivering accurate amount without fees.
Consumer complaint received 2020-06-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Coradius International LLC (NJ)

My father received a call from American Coradius International ( ACI ) asking to speak to me. The representative from ACI told me father to have me call them back because, " They wanted to help me. '' I can assure you that they weren't looking to help me in the slightest!. 

Anyways, I called ACI and after being transferred around a few times I was handed back over to the original woman who took my call. Simply put, she asked me, " How would I like to pay the {$16000.00} today '' in regards to the alleged amount of money I owed on a vehicle that was totaled in an accident. I explained to the woman my lawyer was handling the case and she asked me to call her back with my lawyers contact information for which I did not. However, XXXX and ACI contacted a former lawyer of mine ( WITHOUT MY CONSENT ) in regards to this matter. I did not give ACI or XXXX the consent to contact any lawyer at this present time. Also, you will see in the letter that ACI insinuates that this account will be referred to a lawyer if they do not hear back within in 30-days. Threatening the involvement of a lawyer is beyond an unethical and illegal scare tactic.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (FL)

Originally this issue was my mistake. I submitted my payment in full to Barclay through a bill pay system. However, I accidentally sent it to an old credit card account instead of the proper XXXX account. I have been calling this bank sine XX/XX/XXXX to get the monies moved to the correct account. Representatives have told me it will be finalized on XX/XX/XXXX and XX/XX/XXXX both of those dates have been missed. I get zero communication from them as to why and have to wait through long phone calls on hold to get anyone that knows even that this problem exists. I would like to just get the money that has been taken from my bank account applied to the correct account and the interest and late fee charges reversed.
Consumer complaint received 2019-05-22
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. (PA)

Unknown Hard inquiry by : XXXX XXXX XXXX XXXX New York XXXX Inquiry Date : XX/XX/2018 Reported to : TransUnion & XXXX K
Consumer complaint received 2019-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

SLS took ownership of my HELOC account on XX/XX/2019 and it is now XX/XX/2019 and I have NEVER received a monthly statement of my account. My bills are due on the XX/XX/XXXX of the month and not only have I not received a statement for the past 3 months, I have no ONLINE access to verify the account balance, payments, details, etc. This is a clear violation of the Fair Practice Act with regards to TIMELY monthly statements.
Consumer complaint received 2019-04-12
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: Transfinancial Companies, Inc (LA)

Transfinancial Companies is reporting two accounts on my credit report in the amounts of {$680.00} and {$540.00}. I have tried to dispute this inaccurate information before as I believed the accounts were not mine and had been placed on my credit reports in error. The company did not send me any form or proof of the debt and continues to report on my credit file stating it meets FCRA requirements. I am entitled by law to receive the validation of this debt as I do not believe it is mine. The companies investigation did not provide any documentation of this debt nor did it resolve the issue that I presented to them.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MI)

I made a purchase online XX/XX/XXXX using my XXXX and Banks credit card. Amount of that transaction was {$63.00}. The order was shipped in multiple packages. I received a tank that cost {$8.00} ( incl. tax ). Per tracking details, the other part of the order was damaged when it arrived in Ohio. Package was returned to the warehouse. I was still charged {$63.00} on my credit card bill. I called customer service on XX/XX/XXXX and XXXX. I opened a dispute. A supervisor called me back on XXXX and credited the {$63.00} from my bill and told me that if I still wanted the items in my order that I would have to re-order them. I have the email stating the refund to my credit card. I did not re-order. I received a letter from Comenity dated XXXX stating that the claim was being investigated. I received a credit bill ( statement closing date XX/XX/XXXX ) with the charges {$63.00} for XX/XX/XXXX provisional credit reversal. Bill is due XX/XX/XXXX. I only owe the company {$8.00} for the 1 tank that I received. If I am to pay the full amount, Comenity or  XXXX and Banks need to issue me a gift card in the amount of {$55.00} being I have Not received most of my order. Is this theft? Is this fraud? I want this resolved now. Been putting up with this since XXXX. Comenity are thieves!!!!! After this is resolved, I will never have a credit card that is thru Comenity! I will let others know as well.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX,2018 I was doing my taxes when I noticed an Altered check on my Bank Statement. That very day I went to my local ChaseBank and submitted paperwork regarding the check/incident. That very day I also went to the XXXX County NY XXXX Precinct Police Station and filed a police report # XXXX. 

I followed up with Chase over the phone and multiple times I faxed them affidavits in that they required and multiple times they lost the paperwork. Finally my signature went through after months of following up. I did not receive any written notice/acknowledgement of any kind. They said my claim would be determined 90 days after the affidavit. Because they didn't acknowledge receipt of my first fax that decision date became XXXX as the 90 day mark. Again no letter or correspondence. I finally get their claims department on the phone they tell me there is no claim on my file. I insisted there is and now they say my CLAIM IS DENIED. it is denied because of my time frame. they said I only had 14 days to make a claim from the day the money was withdrawn because it is a business account. they told me its federal law and has nothing to do with Chase.
Consumer complaint received 2020-08-23
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. (TX)

On XXXX XXXX I sent certified mail to the following Credit Bureau Transunion, XXXX and XXXX. I sent a letter requesting that they investigate three negative items on my account and requested that they be deleted because the information was not correct and I did not owe the companies who added this to my credit report. 
The accounts that was falsely reported : XXXX XXXX XXXX XXXXXXXX with a balance of XXXX open XX/XX/18. ( false reporting ) XXXX XXXX XXXX of AZ the amount XXXX *XXXX XXXXXXXX XXXX XXXX . 

I have made several attempts to contact these companies to no avail so I reached out to the credit bureaus for final assistance in removing these items. 

It has been well past the 40 days and I have not received any updates concerning my request or letters sent in to validate, investigate and remove the accounts. 

No response from either of the credit bureaus is in direct violation of the fair credit reporting association. 
please help me in resolving this issue. I am asking them to remove the items since I have received nothing validating these accounts that are falsely reporting on my account. 

I am attaching proof of my certified numbers attached to the mail I paid for and sent to the credit bureaus
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

Im a new XXXX XXXX. XXXX XXXX with me and my bestfriend and little sister! Ive applied for the SBA LOAN and yes I had it deposited into my personal account reason being ( all money used for XXXX   comes out of my account ) and all transactions are used via. XXXX XXXX XXXX! navy federal are telling me that my XXXX is not in the secretary of Georgia which is correct. my thing is I have my EIN Ive send all proof of business website, IG to my SBA LOAN OFFICER so for navy federal to freeze my account with so much damage and backup being done to my XXXX is crazy to me!!! and theyre so RUDE AND NASTY when you ask questions then they caught several attitudes with me because I stated that Ill proved the information that I provided SBA!
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Sterling Infosystems Inc. (NV)

I applied for a XXXX XXXX  at XXXX. They did a background check through a company called Sterling Talent Solutions. The report had a traffic ticket that was taken care of in XXXX. All cleared. I went on the XXXX  website to update my profile and there was a notice that my account is suspended due to a negative report. I called XXXX and they said to file a complaint, they were no help. When I was sent the report from Sterling Talent Solutions they also gave me a Summary of my rights. It says in one portion of my rights that " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more that seven years old, or  bankruptcies that are more than 10 years old. '' The incident that they are reporting is over 15 years old. This has impacted my finances as I am looking for work through XXXX. I have worked as a XXXX XXXX   XXXX XXXX XXXX  and licensed in 50 states. I have never had a problem with my extensive fingerprint and background checks until now. I do need to have this rectified immediately so I can work. Sterling report ID XXXX
Consumer complaint received 2020-08-24
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. (FL)

You sent me a letter stating that the accounts were verified and accurate, but you said nothing on how the account was verified.You sent me no documents or information that your company relied on to verify the account below. These accounts below have multiple inaccuracies and inconsistencies in the reporting between all 3 credit bureaus. I have pointed them out once again. They needto be reinvestigated and Deleted from my credit report. 

XXXX ( Original Creditor : XXXX XXXX ) This account is a result of identity theft. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXPayment History shows six, 120 day late payments consecutive. Which it is not possible for me to be 120 days late for 7 months in a row. This is not accurate reporting. Action : please remove all from this account and update the account as paid as agreed or Delete. 
XXXX XXXXDate of Last Activity shows different on each bureau which is no possible way to have last activity on three different days for the same account. XXXX shows XX/XX/2015, XXXX shows XX/XX/2015 and Experian shows XX/XX/2015. XXXX : Please Delete Immediately. 

It is your duty, mandated by law, to reinvestigate any dispute sent by consumers. Noneof the furnishers ever provided any proof to methat the accounts listed above was reported 100 % accurate.
Consumer complaint received 2020-08-24
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: Experian Information Solutions Inc. (GA)

Me and my wife have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC (FL)

Ive received calls in the early morning especially on weekends. I also receive calls after XXXX XXXX. 

Calls average out to 10 times a day. 

I dont know they call, they refuse to leave messages. 

When I do call back its a machine.
Consumer complaint received 2020-08-24
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: Experian Information Solutions Inc. (GA)

Me and my husband have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, US DEPT ED. 
Company Inquiries : 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 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 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, US DEPT ED, XXXX, XXXX, XXXX Company Inquiries : XXXX  XXXX  XXXX  XXXX