davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
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. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 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 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
Consumer complaint received 2020-04-15
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: Thunderbird Collection Specialists, Inc. (CA)

Thunderbird Collections used aggressive scare tactics and refused to acknowledge the marital settlement agreement that SPECIFICALLY stipulates that I am indemnified from my ex- husbands medical bill. They provided NO documentation, and did not try to get the money from him. 

They were rude, aggressive and used bully tactics -- I have added to my XXXX  file a copy of the marital settlement agreement that stipulate this. 


Company Thunderbird Collection Specialists Address : XXXX XXXX XXXX XXXX Date of separation XX/XX/2014
Consumer complaint received 2022-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc. (KS)

I was originally scheduled for my tubal ligation mid XX/XX/2020. I received a phone call from XXXX saying that I had been mistakenly booked at a place that did NOT accept my insurance. I ended up being scheduled at XXXX XXXX XXXX XX/XX/2020. I verified with XXXX at XXXX XXXX  XXXX XXXX ( right next door ) that THIS place is covered by my insurance. She assured me I was covered and no out of pocket costs/bills besides {$25.00}. The XXXX XXXX  requested my payment of {$25.00} prior to XXXX and told me Im all set. Ive made phone calls to XXXX  XXXX XXXX  and XXXX XXXX XXXXXXXX directly after receiving this bill and they kept sending me back and forth to each other pointing the finger. I should NOT be responsible due to workers error! I could have gone elsewhere
Consumer complaint received 2020-04-15
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. (UT)

I am trying to buy a house and Equifax has negative info on my Credit Score that should not be there. I have called Equifax 3 times and all 3 times I have been told via an automated system I can not talk to a customer service rep. I called a 4th time somehow i got a customer service rep. and After I verified My ID i was told I cant be helped because I answered something wrong on their automated system. First of all their automated system is terrible barely audible and the security questions had nothing to do with me. I have tried to access my acct on line and requested reset emails approx 20 times including to 2 different emails. This business is impossible to contact via phone, email or a live person. Equifax is the only credit agency doing this to me. The Cares act due to covid 19 suspends all payments and interest to federal student loans until XX/XX/2020. I have have several pieces of correspondence from my student loan provider XXXX stating this. But Equifax keeps showing interest and missed payments and increase in balance which in not correct. this is lowering my credit score weekly and I cant contact these Morons to correct the issue.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (DE)

I have had incorrect information reporting negatively on my account for years now. I eventually gave up trying to remove it because Experian had no interest in helping me and it was supposed to be falling off my report soon anyway. However, it keeps getting updated and the date of removal pushed back. I have no knowledge of this account nor did I ever give consent for my info to be used with this company. Experian needs to provide proof of these things, by law, to continue reporting the account in the first place. 

Now, I have disputed this with them multiple times to no avail, with them stating that they refuse to process the dispute unless I provide new information. This account has been keeping my score low with only Experian for a long time now, despite my excellent credit management. I'm tired of it and they need to be held accountable. 

Lastly, I would like to state that from the research I've done on the company reporting this erroneous info, it is a timeshare company, and they shouldn't be reporting info on ANYBODY 's credit report, as it's common knowledge that they are scammers.
Consumer complaint received 2020-04-15
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)

i have several accounts that the credit bureaus have not properly investigated. for example, there is an account that shows under my name ( XXXX XXXX ), however, this does not belong to me as the address that appears on their account is an address that i have never lived at. since this is reporting incorrectly, i believe the other negative remarks that are reporting are incorrect as well. since they have failed to properly investigate this, how am i to know that the other accounts are reporting accurate? all three credit bureaus have failed to properly investigate what i've been asking from them since XXXX of last year!
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (PA)

XX/XX/2020 I have tried to get onto the US Relicard site and it says I am locked out, call the number on the back of the card to reset password. I call the number, it says invalid number. What is the correct number?
Consumer complaint received 2023-01-06
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. (NY)

i have unauthorized inquiries on my report. i would like to get it remove if you can not provide proof such signature that i prouvide these account. according to the FCRA ANY inaccurate account thats not 100 % verifiable or accurate must be removed. please remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (CT)

We made a wire transfer from XXXX Bank on XX/XX/24 in the amount of XXXX to Selene Finance. This was in an effort to come current on our loan. As of XX/XX/24 that money has not been applied to our account. 
I have contacted customer service on XX/XX/24 and spoke with XXXX she insisted that I send a screen shot of my bank account showing the transfer and transfer amount so that XXXX could begin the investigation process to find where the funds are. I had spoken to XXXX XXXX in XXXX -- He assured me that he found the funds and would have them applied ASAP. 
We have had numerous issues with this company, loosing bank checks and wire transfers is just two of the issues. 
This is my third complaint against the company -- My husband and I have spend countless hours trying to work with the company to rectify issues.
Consumer complaint received 2020-06-15
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: MoneyLion Inc. (MA)

I had this App Moneylion on my phone, I made all the payments and wanted my account closed indefinitely once the loan was paid off. So, I called the company and requested to have the account closed they told me I needed to do the final payout on the app so I did. The amount was {$370.00}, I had it taken out of my account the same day on XX/XX/2019 the full amount posted to my account on XX/XX/2019. From there that account should have been in good standing and closed, there is a section on the App that still had leftover money in the form of " investments and cash ''. I tried to withdraw my cash and that is where the problem started. It wouldn't let me withdraw what was left over, it was {$76.00} in investments and {$2.00} cash. I then reached out again to support and they claimed that I needed to pay the membership fee to withdraw the money and I said no I don't my account should be closed, they then reported the FRAUDULENT FEE to my credit report of {$41.00} which now shows {$45.00}. 

They are SCAMMERS. I do not owe them any money, I demand the {$78.00} be mailed to me in a check and this account and any negative information associated with it removed from my credit report. 

I disputed this account with Moneylion, XXXX, XXXX, and XXXX  and they all came back verified, even with the proof that I have. This is why I am writing this complaint now. None of the companies actually did an investigation, because if they did they would know this is a SERIOUS ERROR IN REPORTING from the Moneylion scammers!!!!! Many people are going through the same thing and this should be investigated. I should not be going through this over a year later. I have disputed these charges time and time again with no resolve. I have proof of payment and this account should be REMOVED from my CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (PA)

At XXXX XXXX  on XX/XX/XXXX, The CCS Companies ( calling on behalf of CCS Offices ) contacted my workplace for the third time regarding an unknown debt. Despite my two previous requests via mail for them to verify the debt, they have not done so. Nevertheless, they persist in contacting me through my workplace in their efforts to collect the debt.
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CO)

ON XXXX my friends vehicle was broken in to and my purse was stolen. Due to COVID I was unable to contact my bank to notify until XXXX - I did this first thing in the morning along with all credit / XXXX / everything. I figured I was good, I didn't see any strange transactions on my bank. on XXXX at XXXX I got a text alert that my account balance had dropped to {$0.00}. I checked my bank app and saw a withdrawal for {$490.00}, along with a suspicious deposit of {$1900.00}. I called the bank immediately to advise this is fraud and why / how could this happen when my account was alerted as " Compromised Identity and fraud '' on XXXX i wasn't able to get through to anyone I sat on hold x2 for 2.5 hours only to be hung up on. I wasn't able to see the slips on XXXX as they were still in a Pending status. at XXXX on XXXX i was able to open and look at them. I called chase again and got Fraud about XXXX MST. My account was " locked '' or placed on hold. The man i talked to said he could see the signatures on the slips and check from XXXX did NOT match my previous slips and this was indeed fraud. I was transferred to Claims and I filed for my money to be returned. As of today XX/XX/15 I still do not have my money back. I told the bank that I had transferred all remaining funds to my savings account to protect the money from the people she stole this check from. My bank returned the check to the XXXX ( Fraud check deposit ) My account was then Negative {$2000.00}. I was still pending my money to be returned, when i talked to claims I gave them all three police numbers and was told that they wouldn't investigate of give me my money back until I sent them copies of the police report. After this I filed a complaint with the executive office XXXX. Yesterday I called after not hearing back on the status of my account, what is going on, why hasnt the video footage be given to the police ... I was told I was going to get a call back. I received a letter that I was also being charged for the fraud check?? even though I reported it. I had {$100.00} in my savings account ( Prior to this mess ) and told the executive that they would need to transfer all but the {$100.00} and when they finally put back my {$490.00} the account will balance out but they need to put the money remaining in to my new account that the XXXX branch did NOT assist me in opening. I looked today ( XX/XX/15 ) and my savings account is GONE, all money was transferred to that overdrawn account. I learned that my Stimulus is going to be deposited to the account that is on hold, but I can not get a call back, if I am going to receive that or what exactly is going on. 

I just checked the letter on my chase app and apparently they are saying I authorized this transaction on XXXX WHICH I DID NOT!! I can PROVE I was working and NEVER in XXXX!!!!! 
This bank ASSISTED in commiting Fraud and I am still being Victimized!!!
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Accounts from Portfolio Recovery Associates were removed from my report after an investigation by the CRA. These accounts then reappeared on my report. This seems to be a common practice by these companies to depress the scores of individuals. It is common knowledge that these companies pay the CRAs as " subscribers '' leaving consumers without any recourse for what amounts to fraudulent practices. 

Portfolio Recovery Associates has been known for many years to be the worst offenders and it is unacceptable that the " CFPB '' does not do anything about them.
Consumer complaint received 2023-05-27
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Trans Union and XXXX Dear XXXX, I am writing to request that you remove the following information from my credit report due to lack of proof of debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested proof of debt from the creditor and have not received it within the required five days. According to the Fair Credit Reporting Act ( FCRA ), if a creditor does not provide sufficient proof of debt within five days of your request, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. Therefore, I am requesting that this information be removed from my credit report immediately. 
If this information is not removed from my credit report within 30 days of receipt of this letter, I will be forced to take legal action against you for violating my rights under the FCRA. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (AR)

According with the FAIR CREDIT REPORTING ACT # XXXX FORMERLY XXXX XXXX XXXX, has violated my rights 15 U.S.C 166b A Creditor May not treat a payment on a credit card acount under an open end consumer credit plan as late for any reason.!!!!!!!!
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/20 I submitted an electronic message to Bank of America asking them to investigate why a payment of {$1100.00} had been charged against my checking account but has not been received or deposited by the company I sent the payment to through my electronic bill payment. After going back and forth, they determined the check had been deposited to a XXXX XXXX account. The company I paid was adamant they do not nor have they ever had a XXXX XXXX account and did not receive or deposit the check. Bank of America had them fill out paperwork to verify this and said they would work on getting the funds back before they re-issued the check to the company I sent the payment. Here we are now almost 2 months and a number of inquiries to Bank of America later and the company has still not received a new check. I keep getting back messages Bank of America " this issue is being researched and we will contact you with an update or resolution ''. I need help getting this money back into my account or a new check issued to the company please.
Consumer complaint received 2020-04-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC (OH)

The company called from XXXX, stating that I owed around 1200 in a loan from Instaloan that I never applied for and threatened to take legal action. They stated that I received a loan in the amount of {$500.00} deposited into a XXXX account that I never had. I called Instaloan and they have no record of me and stated that I would have to live in Georgia or Florida. Which I live in Ohio and have always. The loan was supposed to be taken out in 2014. I have never applied for a loan from Instalaon and now people are scamming the public.
Consumer complaint received 2020-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Health Corporation (KY)

On XX/XX/20 I realized my paycheck had wage garnishment being withheld on my last 3 paychecks on Friday each week starting on XX/XX/20 til present XX/XX/20 in amount totally almost 500.00. This apparently is from a 4-5 yr old medical debt that I never received a notice of garnishment about. Why garnish a persons pay now during a pandemic for a 4-5 yr old debt when the person is lucky enough to even be working to receive a paycheck and are not having to rely on government assistance yet also to a point you can not even cover your expenses?? If they can locate enough info to contact my employer to garnish my check then they should have been able to contact me regarding this debt as well. I have tried to contact the original debtors, original collection agency, the law firm that apparently filed suit and also my employer to request information regarding this garnishment, the original debt, how much I owe and what kind of exorbitant fees are probably being charged but no one will or has provided that information Ive only gotten the run around. Due to the fact that everything is pretty much shut down and quarantined I have had issues trying to contact anyone to get what information I could on my own from the court system etc. My employer only provided me with the payees names of Hillcrest credit agency and XXXX XXXX XXXX for garnishment to be sent. The original creditor was XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-04-15
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. (IL)

Please reference report number : XXXX. ( attachments are in that report ) This report as stated above is closed and Experian stated in that report that they were in the process of removing all late payment information from my credit report apart from the bankruptcy of XX/XX/XXXX. 

As of today, XX/XX/XXXX, they continue to report that my credit had 90-day late payments in addition to the bankruptcy. I have attempted to resolve direct with Experian and obtain an update ; I have been unsuccessful. 

I do not understand why it is taking them so long to make the amends they stated they would accomplish. Remarks in my credit report from Fair Issac Credit Corporation dated XX/XX/XXXX show that Experian continues to make reports that at least 4 of my accounts have been late 90 days in addition to the bankruptcy, which is patently proven to be false, independent of the bankruptcy statement continue to harm my credit scores for unsecured credit, mortgages, auto loans >> as well as FICO scores across a range of their products.
Consumer complaint received 2020-04-15
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. (GA)

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (GA)

I have had a mortgage on my current house and has always been on automatic draft out of my checking account. My mortgage company paid my county TAX bill late ( -- even after several phone calls to them advising them I was receiving late notices ) -This caused my county ( XXXX ) to put a tax lien on my credit report and now I cant get them to correct it. This has hurt my credit rating and I have dropped from an Excellent rating to a Good rating. I have made many documented phone calls and emails to XXXX will not do anything to correct the situation. I have notified the Credit Reporting agency and XXXX XXXX and nothing has been done in over 2 months. Please Help