davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

In XX/XX/XXXX Ability Recovery Services LLC placed debt on my credit report. I immediately contacted them to inquire what this debt was and why was it put on my report. When I spoke with them they stated it was an unpaid medical collection in the amount of {$1200.00} from XXXX. I told them I am not aware of any medical visit around that time and believe it was an error. They stated there was nothing I could do but pay for it! So in XX/XX/XXXX, I requested a debt verification letter giving me the details of this matter and to show proper proof that I agreed to pay them. Instead what I got was an alleged copy of a bill on another companies letterhead with private medical info on it. Not only did this letter NOT meet proper debt verification standards, but it also was NOT accompanied by a HIPPA release form. This is a violation in which I intend to file a lawsuit. I have since sent the same debt verification letter to the credit bureaus. As of today, Transunion is the only one that has removed this debt because it was unverified. I'm confused doesn't all 3 credit bureaus receive the same information?? So I am forced to file a complaint. This debt has NOT been properly verified and needs to be deleted from my credit report! Once this is done I am also requesting a deletion letter be sent stating that Ability Recovery Services LLC is no longer trying to collect on an invalid debt.
Consumer complaint received 2021-04-20
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: Fidelity National Information Services, Inc. (FNIS) (PA)

I disputed these accounts with ChexSystems and they only removed one. All 3 accounts were fraudulently opened. 

XXXX  XXXX XXXX {$690.00} ( Suspected Fraud Activity ) XXXX  XXXX XXXX {$180.00} ( Suspected Fraud Activity ) XXXX XXXX  {$440.00} ( Suspected Fraud Activity ) - RECENTLY DELETED
Consumer complaint received 2021-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc. (FL)

I needed some extra funds to repair my vehicle and to pay off a few bills. I applied for the installment loan last week with the understanding that I would receive payout on Saturday. It is now Thursday and I have not received my funds. This has caused a ripple effect : overdrawn bank account, hundreds of dollars in overdraft fees, denied payment on bills, appointment scheduling. Ive made contact with the institution every day this week, and Ive been told the funds would, not should, but would, for a fact, be in my account by the end of the day. For four days now Ive been told this. I have still not received a single dime. At the same time, Ive accrued {$75.00} in interest on this loan that I have not taken delivery on in one week. Also, my first payment to pay the loan back is tomorrow. This should be illegal.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC (MI)

I specifically purchased a XXXX XXXX from Continental Finance to restore my credit worthiness. 
I paid the outstanding balance in full from my checking account but the clerk didnt properly enter the account information. 
So I made a second payment from my Checking account which the company is delaying in showing a credit so balance inaccurately reports Im over limit, which Im not because company isnt reporting payments made.
Consumer complaint received 2021-04-20
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: DISCOVER BANK (IL)

I own a Discover credit card with an authorized user. My e-mail address was changed on the website without my permission. The authorized user made a payment that came back. Without my knowledge the account was marked 30 Days late on my credit report. I contacted the Discover and explained that I was never notified of non payment/late payment due to not being contacted by Discover via e-mail, phone, or postal mail. I was told by a Discover supervisor that they only report to credit bureaus after 60 days late. XXXX from XXXX was very kind and promised she was send the information over to Discover credit reporting stating it should not have been reported as it was a one time mistake and I was not informed. Had I known I wouldve been happy to make a payment. I disputed with the credit bureaus and it was not deleted. I explained that my email was fraudulently changed and was told by other supervisors nothing could be done. I was hopeful that it would be removed off of my credit based upon fraud and Discover allowing 60 day late payment before reporting it.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I received, in the mail, an envelope from Suntrust bank containing a Suntrust debit master card along with a separate envelope containing a pin # for mentioned card, apparently for an account that had been opened with my name and address. On XX/XX/XXXX I received 9 more envelopes from Suntrust bank all containing welcome letters along with checks and/or deposit slips for 9 different accounts opened with my name and address. These included 3 advantage checking, 3 advantage money market savings, and 3 essential savings accounts. I have NEVER done business with Suntrust or BB & T banks. 
I called Suntrust customer service on XX/XX/XXXX to be connected with their fraud department in order to report the first mentioned account as just that, fraud. I then checked my credit report with all 3 major agencies and noticed on XX/XX/XXXXreport that Suntrust XXXX Florida had done a soft inquiry on XX/XX/XXXX. When I received the other 9 envelopes the next day, I called back XXXX XX/XX/XXXX XXXX to report and inquire. They would only tell me that the accounts were opened online and they would investigate and close all accounts in my name.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am trying to pay my capital one collections account but they make it impossible. When I call I put in my social and it redirects me to a law firm I have never heard of. This law firm tried to get me to enter into a consent judgement form that would allow them to garnish my VA XXXX. 

I had no idea what this was and the lady on the phone said it was a pay for delete agreement. I had to XXXX it. Capital one themselves will not negotiate with me
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Technology Federal Credit Union (CO)

In XXXX of 2020, First Tech Federal Credit Union removed the ability to add additional payment to your principal when making your normal monthly payment online. I have asked multiple times when this issue will be resolved and the only responses I have received were " the functionality was not working correctly and will return when it can be fixed ''. The removal of this functionality means that a member has to call, wait on hold, talk to a user, explain what you want, and be able to pay additional principal on your loan if they want to pay extra principal. I do this every month and can spend more than 30 minutes per call to get my payment processed.
Consumer complaint received 2021-04-19
Product: Mortgage — FHA mortgage
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: LoanCare, LLC (CA)

I was affected by natural disaster of the campfire was receiving FEMA assistance and was unable to make my payments on time after XX/XX/2018 ... I made them when I could put the house on the market and sold it for less than what it was worth just so that I didnt default or lose it to foreclosure they agreed to report it satisfied and not report late payments after XX/XX/2018 however it still shows miss/ late payments.
Consumer complaint received 2021-04-20
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: Shellpoint Partners, LLC (NC)

New rez is lied on forum by replying to my previous complain XXXX that no negative credit reporting was done by new rez team. 

I am attaching email from New rez team " XXXX " for loan number XXXX where they advised me new Rez couldn't refinance my loan because negative credit reported buy new rez team. 

2nd. I am attaching other mortgage lender email where they said they cant do refinance OR new loan because of negative credit reporting. 

How can New rez lie in forum and how can this forum accept lies and close my case.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

in Late XXXX Portfolio recovery started contacting me about a XXXX account in my name that they had purchased. After many back and forth phone calls and trying to figure out this account I found out that this was indeed my account and the person who was using it was someone that lived in my house and was now deceased. So after speaking with a Portfolio recovery representative discussing options, and asking for a breakdown of how they came to the amount due total. they verbally offered me a 1 payment offer of XXXX. This would have been XX/XX/XXXX I wrote the check and it was dated XX/XX/XXXX. It cleared my bank on XX/XX/XXXX. It has been 2 years and they will not acknowledge my payment. I have sent them copies of the returned check, when I call and the representatives look in my file they can see the check and they can not understand why it's not reflected on my account. the PR people have told me to 1 ) send in your bank statement showing where it cleared the bank. 2 ) call the dispute line and speak with them. I have called the dispute line, but mostly I will only email as I want a written trail to all of this. They never ever answer an email and the only thing they are trained to say on the phone is they have my dispute documented and they will contact me once they have investigated. I have sent them a clip of my bank statement showing where the check cleared, and I have sent them front and back copies of the canceled check. They never acknowledge my payment. I am over this. I am not sure what their goal is at this point because until they credit my account with the payment made there is no way to move forward.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

In XX/XX/XXXX, we were first notified in writing of a debt collection agency was pursuing a debt owed on a credit card account of {$1700.00}. The notification from the debt collector, XXXX XXXX XXXX ) was the first instance of ever being notified that an account existed and that there was money owed on the account. Based on the info I received in this notification, I contacted Citibank/BestBuy who line of credit was opened through and was hung up upon. I then checked the three credit reporting agencies and confirmed that no line of credit was ever open with Citibank/BestBuy. The only record of this line of credit is when XXXX XXXX XXXX, began to work in pursuit of collecting the debt and reported the collection to the various bureaus on XX/XX/XXXX. There is no record of ever opening this line of credit with Citibank/Best Buy, incurring the debt from Citibank/Best Buy, or being notified of the debt from Citibank/Best Buy before the account being sent to XXXX. I have continued to respond in writing to XXXX and their legal team ( XXXX and XXXX, P.C ) and repeatedly have asked them for the signed authorization when the line of credit was opened and the purchase that created this debt. I have only received an Account Statement from Best Buy from XX/XX/XXXX that shows the amount owed {$1700.00} it is not the statement showing the original purchase, and nothing has ever been provided showing the line of credit authorized to be open. I will add that the address on this statement is a home address that I have not lived in for over 10 years which is very alarming and concerns me that this could be fraudulent as well. There is potential that this line of credit was opened fraudulently, but I'm unable to file a police report as I have nothing to show that this line of credit even exists. The last written correspondence from XXXX ( XX/XX/XXXX ) states that they have received and reviewed the dispute but they still feel the debt is owed. I do not owe this debt. My credit report can serve as evidence that the account was never opened, and Citibank/Best Buy/Cavalry have yet to provide any of the requested documentation.
Consumer complaint received 2021-04-20
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. (FL)

I submitted a complaint against factual data, XXXX, and Credit technologies using CFPB case number XXXX. 

It has been over 30 days. Factual data sent documentation that they are removing their inquiries but they are still on my credit report. XXXX and Credit technologies have not responded, according to the law they have to remove this from my credit report. They have not validated the inquiry.
Consumer complaint received 2023-03-31
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)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items ASAP. Thank you. 
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 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 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

I have been trying to get another loan modification since XXXX, 2020 with Loancare/XXXX XXXX. I am retired on a fixed income and can't refinance! I also don't have enough equity for a reverse mortgage! I know the process because I was one of the first customers to try to get a loan modification under President Obamas Making homes affordable program! It took two years and a bout of XXXX to secure the initial loan modification. I don't want to go th that again! It seems very obvious to me that Loan care is trying to discourage me! That won t happen! They keep asking me for more documents I've already sent several times! I've had to restart the process about four or five times now! Loan care makes it near impossible to actually conduct business with! I even contacted their Corp HQ! My loan is a XXXX XXXX, so I will contact them too! I requested a single point of contact several times! They've given me two! I'm never actually able to speak to them! Its very frustrating and I can't afford an attorney, but if CFPB or XXXX XXXX can't help, I might need an attorney! Please advise me, if possible! Loan care, LLC Loss Mitigation dept and Corp hq is XXXX XXXX XXXX, XXXX XXXX, VA XXXX! Loss mitigation dept is XXXX XXXX! Thanks!!
Consumer complaint received 2021-04-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion in regards to dispute letter submitted XX/XX/XXXX and they have failed to respond within the 30days. I have called them and I was informed it wouldnt be until XXXX ,2021.
Consumer complaint received 2023-03-31
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. (MI)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$87.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (MI)

I filed a complaint with your agency on XXXX # XXXX and received a message on XXXX that American Express would be crediting my account for the amount disputed. 

Today, XX/XX/2021, I received a message from American Express that the charge would be placed back on my account because XXXX XXXX provided an invoice for the charge. 

I contacted American Express again and was informed that they would not credit my account for the {$30.00} charge and I had to contact XXXX XXXX. I attempted to contact XXXX XXXX  and was informed there was a XXXX hour wait to speak with someone. 

Again, this charge was for my son 's luggage, which should have been complimentary because I purchased his ticket with my American Express. We checked in at the XXXX in both XXXX and XXXX and for some reason the system did not recognize my credit card for my son 's ticket and charged me for his luggage. 

Any assistance you may be able to provide would be greatly appreciated. 

Best regards, XXXX XXXX
Consumer complaint received 2021-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX jas customer service in XXXX that is not taught laws but how to lie so me the consumer thinks I am the XXXX or person comitting fraud. I have 1 hard inquirey I didnt make with XXXX XXXX I didnt ask or allow XXXXXXXX XXXX use my credit report for fraud. Also XXXX XXXX has a couple accounts that arent mine on my report. All of these I told them to use FAIR CREDIT REPORTING ACT 604, 609,611 and 623 to investigate and give me decisions showing that they did proper and the legalway to investigare. They lie and just say they did investigation and want.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-31
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XXXX2021 I sent a letter regarding inaccurate and unknown Items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within the 30 Days gives a reason to immediately remove those items from my credit report, it Has well been over 30 Days so they should be deleted or corrected promptly. I demand These account be Deleted and corrected immediately or I will file for litigation due to the stress Ive have been caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-20
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (IL)

I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results