davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
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: EQUIFAX, INC. (FL)

Originally This account was handled by  XXXX   XXXX   XXXX   XXXX   XXXX , in  XX/XX/XXXX , at some point it was transferred to the     XXXX   XXXX   XXXX    /  XXXX    XXXX   XXXX   XXXX  and was in deferred status but  XXXX  says that it was not in deferred status i n  XX/XX/XXXX ,  XX/XX/XXXX  an d that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am  XXXX  of a small  XXXX , and have been working in and around the   XXXX   XXXX   XXXX   for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since  XX/XX/XXXX . Forward to   XX/XX/XXXX  t he old account has been closed and a new account has been opened and is being paid to a new company called  XXXX   XXXX   XXXX   XXXX , but the old account is still showing as derogatory and says to contac t Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my  XXXX , Equifax and  XXXX  credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my  XXXX  Report after a Hard Pull.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TN)

I was n't protected under the wage earner law as I should have been. My case numbers are  XXXX  &   XXXX  . My drivers license have been stolen, social security card stolen. All of my former employers have been changed without my knowledge. With all   XXXX    credit agencies. I learned from the FBI this is an inside job.   XXXX   XXXX   XXXX   XXXX   is my last employer, their ein number is   XXXX  . The company amended and restated all of my tax returns and made themselves my conservator. They was n't reporting my payroll correctly.   XXXX   XXXX   was n't reporting taxes on me. Someone within the company have my identification and is abusing it with the credit union. I was with the credit union before the hostile take over Of The company in  XXXX .   XXXX   XXXX   was directly involved with my personal information. She resigned when the  XXXX  went to the company and pulled my employee records in  XXXX . She stole my retirement pension in  XXXX . The company is a  XXXX . The   XXXX    Family is also abusing my identification. I had funds payroll deducted to pay my creditors every week until I was discharged. Money was being stolen from the courts.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX  .
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

On   XXXX   XXXX   XXXX     I deposited a check into my account for  XXXX . Without cause or notice, the check was reversed. Upon calling the m, FOUR DAYS  LATER, they stated it was because it was third party and signed over to me and to 'just come in '. They stated they changed their ATM rules but did not put a notice regarding the new rules on their ATM regarding depositin g 3p ch ecks, nor did they mail disclosures to their customers.   I have been a customer wi th US Ba nk for a decade. I have deposited numerous third party checks and none were reversed. Because they failed to provide conspicuous notice or mailed/emailed notice of their changes, I was harmed.   Additionally, I am also an e-statement customer who receives notices via email. They have my email, my phone, and address and they did not send me any notice regarding the reversal leaving my balance dangerously low. Under the federal law their are required to ensure expedited deposit availability have the responsibility to notify me when issues aris e. FOUR day s passed since the reversal with NO CONTACT. They failed to perform due diligence, they reversed a valid deposit without cause an d may h ave impacted my ability to obtain a mortgage as I am actively seeking a home and am pre-approved with requirements to release my bank statements for a period of time to validate my application. This reversal severely reduces my average balance.   I would like to ensure this does not happen to anyone else.
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

Citicards took  my Citi Div idend dollars ( reward ) of  XXXX  USD ( this amount was told b y Citi Customer Support name d  XXXX   )  as o f  XX/XX/XXXX  awa y without any reminder or further notice. I think this is impropriet. I was never reminded or noticed for the disappearance of my citi reward dividend dollars. The customer support personal 's name is  XXXX , from Florida office ( team id :  XXXX  ). She told me that I should have learned it from the statement but they never sent me any statement. The rule was never clearly written to me. And I have checked the dividend reward dollar in early  XX/XX/XXXX  and it was there. They claimed that it was expired in   XX/XX/XXXX .  So it is definitely controversial of what they did and what they told me. I do n't trust  Citi  and I want my dividend reward back. Please help me. Thanks,
Consumer complaint received 2017-05-19
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: Allied Collection Services, Inc. (Nevada) (AZ)

Allied Collection Services  is reporting on my credit report for   XXXX   XXXX    ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've   contacted  Allied  and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid  License, Bond, and Certificate of Authority in the state of Arizona.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Diversified Recovery Services Inc. (TN)

I was n't protected under the wage earner law as I should have been. My case numbers are   XXXX   &   XXXX  . My drivers license have been stolen, social security card stolen. All of my former employers have been changed without my knowledge. With all   XXXX    credit agencies. I learned from the FBI this is an inside job.   XXXX   XXXX   XXXX   XXXX   is my last employer, their ein number is  XXXX . The company amended and restated all of my tax returns and made themselves my conservator. They was n't reporting my payroll correctly.   XXXX   XXXX   was n't reporting taxes on me. Someone within the company have my identification and is abusing it with the credit union. I was with the credit union before the hostile take over Of The company in  XXXX .   XXXX   XXXX   was directly involved with my personal information. She resigned when the FBI went to the company and pulled my employee records in  XXXX . She stole my retirement pension in  XXXX . The company is a S-Corporation. The   XXXX    Family is also abusing my identification. I had funds payroll deducted to pay my creditors every week until I was discharged. Money was being stolen from the courts.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX
Consumer complaint received 2017-07-17
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)

I have repeatedly asked for an update to credit report with all  XXXX  credit bureaus in regards to  XXXX  reporting on my credit report. It is now  XXXX  2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have  XXXX    XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.  XXXX  sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????
Consumer complaint received 2017-05-19
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. (CA)

I incurred a charge off account with  XXXX , it was turned over to collections to  XXXX .This account is showing on my credit report as being open, it was closed in   XXXX .This co mpany is adding interest in to this account, to increase the amount on my credit report to further damage my  credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I received my billing statement on Saturday,   XXXX    XXXX , 2017. The billing statement shows  XXXX / XXXX /2017 as the Statement Date. The  XXXX / XXXX /2017 Statement Date implies that this bill took 14-15 days for delivery to me. For this reason I do not believe that the  XXXX / XXXX /2017 date approximates the date when the bill was presented to the    US Postal Service for delivery to me. My expectation is for the Statement Date to b e the date when the Statement was prepared. I have brought this problem to the attention of th e Green Tree ( DiTec h ) organization on previous occasions ; their assertions as to bill processing are unsubstantiated and therefore are viewed as unresponsive.
 XXXX 
Recent  XXXX  notices indicate that   XXXX   XXXX   XXXX   is approaching a time when the shares will no longer meet the   XXXX    listing requirements.   XXXX   XXXX   XXXX   also has proven itself unable to submit Financial Reports free of material error.   XXXX   XXXX   XXXX   appears to be in breach of its loan covenants. To date there has been no advice from   XXXX   XXXX   XXXX   as to what the debtor responsibilities may be if/when   XXXX   XXXX   XXXX   goes into liquidation or becomes unable to perform the servicing business.
Consumer complaint received 2017-05-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

My nephew attended XXXX XXXX XXXX for 4 years and 1 XXXX year. He intended to become a XXXX  but died at age XXXX. It has been almost a year since he has been gone. I am his aunt with POA for his father ( my brother ). In the last year of school my brother co-signed a private loan.to help with tuition. At this point my nephew owed approximately {$36000.00} to Navient. Since the loan money went to Navient directly, my brother did not understand what he had just signed. When my nephew died XXXX of the XXXX student loans ( XXXX XXXX {$77000.00} in XXXX loans and Navient {$15000.00} in XXXX loan ) were forgiven.. The private loan {$15000.00} was not. I became aware of the problem this last year ( 2016 ) and contacted Navient to find out what had happened. I got a different manager every time I called. I talked to the Navient office of Customer Advocate for Navient. To buy some time I bought several months of forbearance to keep the account out of default while I tried to reason with Navient.. I called XXXX XXXX XXXX Finance department and found they considered the remaining debt as standard of practice should also be forgiven. I tried throgh my US Senator to contact the Federal Student Aid but found the CFPB was the correct department. I did not make any progress toward making a resolution. other than to " just pay up ''.
Consumer complaint received 2017-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions (UT)

I pulled my credit report and found that TSC is reporting on my credit report for over {$1300.00}. On all  XXXX  bureaus it is reporting. I sent a debt validation letter on  XXXX / XXXX /17,  XXXX / XXXX /17 and  XXXX / XXXX /17 with no proof or response of the validation. Per the credit bureaus TSC sent an electronic response to all  XXXX  bureaus and never sent me or them proof of the debt. I requested name and address of original credit, copy of original contract, complete accounting information with fees, payments, interests, and charges, as well as the date of the debt. This debt is not mine, it is ruing my credit worthiness, and is reporting inaccurately.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'd like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX XXXX XXXX customer service representative XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Broward Adjustment Services (FL)

On  XXXX   XXXX ,   XXXX  , I had an   XXXX   XXXX    performed at the  XXXX   XXXX   XXXX   XXXX   XXXX . Prior to this procedure, I was informed and signed a document stating I would be responsible for {$110.00} which I paid the day of the procedure.   A few months later I received an invoice from the University  XXXX   XXXX   XXXX   XXXX  showing an additional amount due of {$390.00}.   When I called the hospital billing department to question this additional amount, I was advised to send a letter to t he Disp  ute Resolution  Department, which I did on  XXXX   XXXX ,   XXXX  .   I followed up with phone calls and emails and received confirmation in  XXXX    XXXX   from  XXXX  in t he Dispute Resolution  Department that my letter had been received and was being reviewed. I never heard back from anyone, never received any phone calls, emails or correspondences about this matter.   I recently found out that my  credit score ;  which has been around  XXXX  for many years just dropped over  XXXX  points. After requesting my credit report, I learned that a company named  BROWARD ADJUSTMENT SVCS reported  a collection of {$390.00}, amount that was in dispute with the University  XXXX   XXXX   XXXX   XXXX . I was never informed by the hospital that my account would be turned over to a collection agency and was never contacted by  BROWARD ADJUSTMENT S VCS about this amount.
Consumer complaint received 2019-10-23
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. (LA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX ) XXXX**** , ( Original Creditor : ) XXXX**** and ( Original Creditor : ) XXXX****
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: DISCOVER BANK (WA)

XXXX XXXX XXXX XXXX XXXX XXXX stole my credit card by screening my background check, employments, fraud & moving my credit line to discover bank when I never had this XXXX as wallet protection ... ..!!!!
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

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.

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.
Consumer complaint received 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My parents had their mortgage with Bank of America. Last year my mother,  XXXX   XXXX  and my father,  XXXX   XXXX , both passed away. I,  XXXX   XXXX , have been dealing with Bank of America as the executrix for the estate since that occurred. I received, a t one poi nt daily, calls from Bank of America asking about the intention with the property. Despite my telling them on numerous occasions that we listed it for sale in   XX/XX/XXXX  ( t he month after my father passe d ) they w ould act as if they never had any knowledge of what was going on with the property each time they called. Then, I received a letter from an attorneys office on the bank 's behalf. I sent letters to them also advising them of my involvement and the fact of the sale. I then advised them that we had a contract for sale which was supposed to occur by the end of  XXXX . I sent them a contract extension date for   XXXX   XXXX   XXXX     and despite receiving that, the attorneys office started foreclosure proceedings once they learned of the pending sale. The day that I learned the closing would in fact be Monday   XXXX   XXXX   XXXX    , I called the attorneys office every hour the try to obtain a payoff figure. They called me back the next day but I learned that they day before, they returned the foreclosure complaint to court, thus incurring additional fees and costs despite the fact that they did not have to return the complaint to court until 6 days before the return date of   XXXX   XXXX   XXXX    . This was yet another way to incur unnecessary attorneys fees and costs on this file. The first payoff figure I received from the bank was good through   XXXX   XXXX   XXXX     and had  XXXX  attorneys fees and court costs. The second payoff figure I received which was good for the   XXXX   XXXX   XXXX     closing, a mere 10 days later, suddenly included {$3500.00} in attorneys fees and costs. We took the first offer we got on the house to get it sold, so the estate was not netting much money anyway and now, that money is being paid to an attorneys office for work that was unnecessary and seemingly unethical. Pursuing the foreclosure action at this late stage was actually harming their client 's interest because a sale date was already in the works. This was not a situation where I simply defaulted on my mortgage. My parents passed away and I did the best I could to get the house sold as soon as possible and to keep the bank apprised of that along way. They extended no courtesy at all during this entire process and have now taken what little money the estate was going to get from this sale to pay an attorneys office to do a job they did not need to do at this late stage.
Consumer complaint received 2017-07-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

I have contact my lender (   XXXX   ) numerous times concerning the delinquent mud tax for my home. I have faxed the tax document twice and emailed it on   XXXX    XXXX ,2017. They have given me the runaround and have not paid the tax. There has been interest and penalties attached to the bill.
<P/>
Delinquent Taxes for Account [ Incident :  XXXX  ]