davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (TX)

XX/XX/XXXX, I sent my first email after a phone call with a representative at NCC Business.  They have not been responsive and never assist me when I call. I am always told that I will be transferred to the person handling my " case '' and I only get the voicemail. Many times I call and the call is disconnected after a long wait time. 

I have been trying to resolve this error because they have placed an invalid collection on my credit with all three bureaus and have done nothing to verify this information for me. 

I have disputed this case with them and have begun the dispute with the credit bureaus. This is my final attempt at resolving this issue.
Consumer complaint received 2020-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc. (WY)

XXXX continues to collect a debt that has been Discharged in Bankruptcy # XXXX. 
The court and legal counsel has continued to advise this and AMSHER COLLECTION SERVICES, XXXX. THAT the balance of {$78.00} is in permanent " DISPUTE ''. 
ATTORNEY GENERAL has been advised of these harassing collection practices!
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Great American Finance Co (IN)

As of XX/XX/2020 my account through Great American Finance was paid in full. However, Great American Finance continues to send bills to my home with a balance of {$100.00}. I called and spoke with a representative and he confirmed that my account was paid in full and to disregard the first bill ( after the pay off ) that I received in the mail. Although this conversation took place, I was still reported three times to the credit bureau as delinquent from this company. I have spoken with two other representatives, one being a supervisor to try to remedy this situation, yet nothing is changing. It has negatively impacted my credit score. Obviously Great American Finance is aware that my account has been paid in full since XXXX, however the company continues to to commit fraud by reporting me as delinquent.
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Merchants and Professional Bureau, Inc. (TX)

I have a collection that has shown up on my XXXX  credit report from MERCH & PROF CB where they are stating I own money to XXXX  XXXX XXXX of {$140.00}. This is not due as my insurance provided them with payment and I have the EOB ( explanation of benefits to prove it XXXX. I have told the collector this and they tell me it doesn't matter as the provider would have that if that was true - they continue to call even though I have sent them the insurance company information and the EOB - their tactics are harassing and hostile and I want them to stop. This should be removed from my credit report at once as it is a fraudulent credit report against me.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Transunion :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Transunion : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2023-01-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-08
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 contact all 3 credit bureaus about these fraudulent accounts on my credit report and no actions have been taken. I will take legal action because this is just ridiculous. I've also contacted the FTC regarding these fraudulent accounts.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

The Chapter XXXX Bankruptcy was filed XX/XX/2011. It should also be removed from my credit report either way as enough time has passed per the law that it should no longer show up on my credit report and give me a negative rating.
Consumer complaint received 2024-04-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I have been having problems with finances going back to XXXX  starting with bank accounts with unauthorized transactions connected to bank accounts that I didn't know existed and fake receipts... 
I am finding out problems with my mortgage and with the records at the city of XXXX XXXX department or file. I have been in touch with the mortgage company and also with the city of XXXX. The records department sent me a letter questioning some recent request for changes in the mortgage I contacted them and told them the changes were done without my authority without my permission without my knowledge I did not know of these transactions and changes. 
There was a sheriff sale I posted for my house and it was postponed XXXX times my mail has been forwarded to the wrong address going to XXXX in XXXX XXXX to an address that I never live there. The address used for this is also connected to a insurance policy and they bank account but the information that XXXX XXXX has and with the mortgage company has many issues. 
I don't have the money to be spending on lawyers to investigate a crime and if this is the case and the records in the city of XXXX computer system are tampered with I think I'm putting myself at risk when I bring this to their attention. 
I went and spoke with a lawyer in person this past Saturday and showed him all the documents and there is problems here for him to take action I have to pay him money to get involved with this but that's not the way the law should work if in fact this is a crime I've reported this why is it being ignored I've had nothing but problems and falsified information everywhere and no one has done anything about it and now when I'm bringing this to the XXXX department 's and a lawyer is showing the problems and changes to the records and asking them where the money went .... 
At what point do I cross the threshold of having law enforcement assist with this? 
I have multiple bank accounts with fake transactions fake receipts falsified mortgage records falsified tax records the list goes on and on at what point do I cross the threshold of justice for all... 
It is not a good feeling to know that people can break the law financially ruin me and no one investigates small financial crime... 
Is this the normal process? The citizen contacts the records office where records have been changed somehow and I have to verify this knowing that it's a crime to change the stuff and steal the money that's what the process is? Memes and motivation is money and access to records .... 
I'll wait to hear back from you it's just the rest of my life that's on the line but I have high hopes and the future looks brighter but it will depend on you... 
Thank you XXXX XXXX
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

My American Express Serve Card was stolen from me on XX/XX/XXXX. I filed a police report and called Amex Serve to report my card as stolen the same day. I also informed Serve customer service that there was an unauthorized pending ( still processing ) charge of {$79.00} on my account at XXXX XXXX # XXXX by the thieves that was fraudulent and requested that a dispute be initiated so that I can get reimbursed. I checke d my account on XX/XX/XXXX and discovered that the fraudulent transaction had been processed and completed by Serve and the funds had been deducted from my account. I called serve for an explanation and they told me that I had to call a different department ( account protection services ) and file a formal dispute, complete a declaration of fraud form, in order to get reimbursed. I called Serve account Protection Services at XXXX and filed my dispute/fraud claim which was received by Serve on XX/XX/XXXX. It has been over ten days since I filed my dispute and I have not received a credit ( provisional or permanent ) on my account for the unauthorized charge. According to the American Express Serve terms and conditions for resolving disputes which are published on their website, dispute investigations normally get resolved within 10 business days. A dispute investigation may take up to 45 days to complete however, In such cases, a provisional credit is issued to the cardholder 's account within 10 business days of Serve 's receipt of the dispute so that the cardholder can have use of their money during the time it takes serve to complete the investigation.
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (CA)

I applied for a XXXX  credit card today XX/XX/20 and I was not approved ; I was told that I did not get approved due to having many accounts in negative standing appearing on my credit. I had no idea there were negative accounts on my credit report so I looked through it and I saw about 9 accounts that do not belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I'm not sure why these accounts are on my credit report but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have never had any written/verbal contract with any of these companies and I did not give them permission to run or access my credit information.
Consumer complaint received 2020-06-08
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. (CA)

I applied for a XXXX  credit card today XX/XX/20 and I was not approved ; I was told that I did not get approved due to having many accounts in negative standing appearing on my credit. I had no idea there were negative accounts on my credit report so I looked through it and I saw about 9 accounts that do not belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I'm not sure why these accounts are on my credit report but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have never had any written/verbal contract with any of these companies and I did not give them permission to run or access my credit information.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-01-16
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. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-06-08
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. (IL)

I am a victim of identity theft. I have been bounced back and forth between the companies listed on my credit report & TransUnion trying to get this issue resolved. I have never applied for anything with the companies that TransUnion have listed as XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$470.00}. I have never completed an application or given my personal information to these companies to get anything from them. All the accounts listed above are FRAUD accounts.
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MA)

I moved into a new townhouse in MA in XX/XX/XXXX. My mortgage that I bought my house through was sold to Newrez so they are my new mortgage company. I have been paying my mortgage of {$2000.00} each month and have over {$7000.00} in my escrow account. I assumed my mortgage company would pay my property taxes that are due quarterly out of my escrow account. But I was notified by my neighbor who lives in the adjoining townhouse that my mortgage company never paid mine that were due on XX/XX/XXXX. When I called numerous times, I was told there was confusion with the parcel # and where to send it to. When I provided the correct parcel number I was told it would be paid by the next property tax deadline on XX/XX/XXXX, which they didn't. I have written to them complaining and trying to demand that I need my property taxes paid as it is affecting my credit score now as well as my neighbor 's. I am totally confused why they are not doing paying my property taxes and I had no idea this could actually happen. They have yet to respond to my complaints too. I am going to call again tomorrow morning to see if I can get some help and answers.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a capital one credit card and I was denied for the following reason : Based on you application information, we observed activity on a prior Capital One account that is no consistent with our expectation for account usage or the terms of the account agreement. 

I had 4 Capital One account that are paid off ( 2 of them ) and the other restricted accounts have a very low balance and are the process of being paid off by the end of the month. 

I called to asked when I can apply for account or if I am permanently restricted from Capital One. The representative, XXXX, an account manager. couldn't give me any account information or how I can appeal this decision. I am trying to get my life back on track from being laid off and recently unemployed and I'm not getting an answer. 

I have been back and forth via phone and letters with the company I have not information.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I called about my CHASE Sapphire Preferred credit card previously to using the service for the first time. I asked the representative over the phone on a recorded conversation how to avoid the interest charges for the cash advance. 

The representative said that in order to avoid the interest charges for the cash advance you must pay the full cash advance back plus the minimum balance payment owed. I followed his advice and borrowed XXXX dollars on XX/XX/2020 and paid back XXXX dollars on XX/XX/2020. The additional XXXX dollars being the minimum payment due. 

Since then they have been charging interest on th credit card every month plus additional interest on the cash advance. So far it has been XXXX months of additional cash advance interest charges amounting in XXXX 

I have brought this situation to their attention and I have not been able to get my money refunded. They also told me that in order to get the recorded conversion between myself and the representative who gave me the advice and instructions, I would need a subpoena.
Consumer complaint received 2020-06-08
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. (MN)

I submitted an FTC report for all the documents listed on my report that I blieve are fraud due to multiple data breaches where my information has been exposed. I sent a copy of the report to XXXX, XXXX, and Experian and they have not responded to the disputes within thirty days and they have not taken these fraudulent items off my report
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX   XXXX {$7700.00}