davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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've sent in numerous of letters to TransUnion asking them to remove the Bankruptcy off my credit report or provide me proof from the Bankruptcy court that verifies they have reported the Bankruptcy to TransUnion. I have sent them letter 's on XXXX, XXXX, XXXX, XXXX, XXXX and on other months as well. I have provided TransUnion with a letter stating that the Bankruptcy court doesn't report to any third parties including credit bureaus any information that pertains to a Bankruptcy. TransUnion stated in a letter of dispute that was dated on XXXX that they contacted the Bankruptcy court and they supposedly reporting the information as accurate. That is false. The letter from the bankruptcy court clearly states that they do not perform any activities with the credit bureaus. 

TransUnion needs to remove the Bankruptcy from my credit report or provide me with written proof from the Bankruptcy court that they reported the Bankruptcy to them. TransUnion please provide me with written proof from the Bankruptcy court upon your new investigation.
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TN)

This is a formal complaint against Plaza Services located in XXXX, GA. This company is reporting an unverifiable account on my credit report for an amount of {$570.00}. I've asked for proof, but they don't have it. They refuse to comply/respond. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act and has caused me much unwanted financial AND mental distress. For starters, they're reporting an inaccurate & unverifiable account on my credit report and not to mention an account in which I've requested evidence of their claim and which they were not able to furnish, per the FCRA and FDCPA. I have disputed this account directly with this collection agency in XXXX, XXXX, and XXXX of 2019, but unfortunately this company has completely dismissed my communications and requests to delete this frivolous information from my credit report. I am aware of many other complaints submitted about this company for their illicit and shady business practices. Yet, for some reason, this company is still in business. This company 's amateurish & negligent conduct has caused lots of harm, not only to my ability to establish credit, but also to my character as a XXXX and as an individual. Please help me to put a stop to the operation of these shady & immoral business practices right away. I really appreciate your time and guidance in this matter and hope to hear from you very soon.
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (FL)

Recieved 30day notice dated XX/XX/XXXX from Calvary Portfolio XXXX debt buyer ) regarding a XXXX account. Replied on XX/XX/XXXX with a Validation of Debt request per 15 USC 1692g Sec. 809 XXXX b ) of the FDCPA statute. Did not reply in 30days or at all as required by the statute for them to continue collection efforts including but not limited to reporting to Credit Bureau 's. Notified them in writting of Non Compliance and it no longer being a pursuable debt on XX/XX/XXXX. Written and reported collection efforts continued so further notice was made on XX/XX/XXXX and a FINAL notice that action was being taken on XX/XX/XXXX. Notified Credit Bureau XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX but the debt buyer Calvary Portfolio still has not been removed from my report, only marked as disputed. 

I have followed all requirements and statutes per this acct and their actions with no results and am now feeling harassed since they do not and have not responded to myself directly regarding my dispute and or validation, NOT verification, request.
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I submitted a dispute and a request to VALIDATE a debt with regards to 2 charges on my credit report from a dept collector named ARS XXXX account resolution services XXXX. Amounts showing {$940.00} and {$630.00}. Being that I have absolutely no knowledge of these supposed debts, I sent a certified letter directly to the debt collector, ARS requesting that the debts be VALIDATED not verified. A copy of that letter outlining what information I was seeking to validate the debts per my legal rights under the FDCPA, is attached, along with a copy of the signed return receipt from the post office. 
When ARS responded they DID NOT validate the debts or provide any of the information I requested and is my legal right to obtain to prove the debt is indeed valid and that I have any legal obligation to pay them. A copy of the response letters from ARS is also enclosed. I have never received any certified correspondence from ARS regarding these supposed debts and only learned of them by checking my credit reports. As I am trying to build my credit, I disputed these debts with ARS and I still dispute these debts. 
ARS failed to respond to my request for debt validation and is violating the FDCPA by trying to collect these debts. This is evidenced by their response to my request for validation, as they sent me a letter/bill and are continuing to report negative information to the credit bureaus, when these debts have not been validated. I am therefor requesting to file a complaint against this company.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (KY)

When I reviewed my credit report, XXXX, XXXX and XXXX are reporting my personal information without my consent. I see fraud accounts, addresses, names, date of birth and more. As a consumer I've already reported these issues with FTC, CFPB and all companies more than 5 times. The companies removed my account then later attached it back on my credit report. I get back the same responses and no results. This problem and unlawful acts has been going on for more than 2 years. Please review the attached documents to support my issue.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX Tax Department that I was delinquent on my property tax and my home would go to tax sale on XX/XX/XXXX if not paid. I immediately notified the mortgage company, both through emails and phone calls, with limited response. It took until XX/XX/XXXX ( XXXX and XXXX were weekend days, so this was the last possible day ) for them to pay the tax bill, and that was only due to my repeated contact attempts. 

It told to me in writing multiple times that I would not be responsible for the {$490.00} late penalty paid to XXXX XXXX for the late tax payment, as I myself never had a late payment to the mortgage company. However, they passed my mortgage on to XXXX right around this time, and requested the full reimbursement for the tax payment from XXXX - including the late penalty - which was paid from my escrow. 

The reason I am realizing this now is because as the result of an escrow analysis, I now have a mortgage that is {$1000.00} more a month than it was previously for the next year. This is not because of an increase in home insurance or property tax, this is because of a wrong miscalculation by the mortgage company. 

Details : Loan number XXXX, at Dovenmuehle Mortgage ( this mortgage was passed on to XXXX in XX/XX/2021 ).
Consumer complaint received 2021-07-27
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. (NC)

On 06/21//2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-04-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (MD)

I used to reside in XXXX XXXX North Dakota as I was struggling with my job I have this loan of {$850.00} from explore credit, I was paying back but unfortunately I loose my employment and was not able to keep up with my payment. and they keep charging my bank account until my bank stop paying them since there was no direct deposit from my employer. So struggle looking for another employment and explore credit stop billing me. I find a job in Maryland and relocate there where I reside now. when i get this job some of my creditor settle my debt with a reasonable amount that I honor and not receiving bill from Credit I understood that it was settle the same way my other creditor did. I was Suprise XXXX week ago when i received a text message stating that I have to pay them {$3900.00} in addition off the payments I made before being unemployed. I think it's unethical for me to pay this much for just a {$850.00} loan and I found that the interest is about 750 % which think is just too much. I need help stop them destroyed me financially and settle this account in a reasonable manner. 
Thanks for your assistance.
Consumer complaint received 2019-12-13
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: CITIBANK, N.A. (LA)

I have a Costco CitiBank Visa and encountered a problem with a spa vendor due to a business matter within the company. I purchased XXXX XXXX XXXX for a XXXX treatment on XXXX XXXX.  At the conclusion of that treatment, I opted to purchase a package of ten for XXXX (XXXX) per session. Ten sessions were deemed to be cost effective and offer maximum results, as a la carte sessions were XXXXI had one follow-up visit on XXXX XXXX, wherein I had a massage and a XXXX   treatment.  The subsequent appointment scheduled for XXXX XXXX was cancelled due to the dissolution of the business relationship with the therapist.On XX/XX/2019 I filed a dispute, as I paid for ten sessions in good faith that this merchant could no longer provide due to the dissolution of relationship with the XXXX. Citibank reversed the charge and credited my account XXXX.On XXXX XXXX, Citibank furnished a subsequent response by the vendor that was dismissive and accused me of “scamming” , despite support documentation acknowledging I did not receive full package. Citibank returned the charge to of XXXX my account.I was encouraged to reply to the XXXX XXXX letter and did so on XXXX XXXX.On XXXX XXXX, Citibank sent a response to my letter stating they would work with the merchant bank to obtain a permanent credit and would advise me of any reason the credit would not be reversed. Citibank reversed the charge again and credited my account XXXX.  Finally, on XXXX XXXX, Citibank informs me that the merchant will not honor the request based on information that I have provided. Citibank returned the charge to of XXXX my account this week.  I do not know the other company/merchant bank involved and am unable to name them here.However, it appears that Citibank has handled the matter poorly. Citibank has reversed charges four times (with adverse credit score impact) and has not given me adequate consumer protection, sound basis for their decision or an equitable outcome given the facts.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (WA)

I open my account on XX/XX/XXXX with cash bonus Citi offered. ( EARN {$1000.00} MINIMUM DEPOSIT : {$75000.00}, attached ). I deposited the {$75000.00} through my joint brokerage account in earlier XXXX on XX/XX/XXXX, I got notified my citi checking account will be cancelled without any reason. After calling the number provided within the letter. The customer representative shared the account will be closed within 30 days instead of the 60 days in the letter, and all my money within the checking will be send back to me as a check. 

However, until now XX/XX/XXXX ( after 60 days ), I still didn't receive any letter about my account, I still didn't receive any check for my own money!!! 

Now I can not access my accounts and my own money for more than 60 days. I am unable to afford the mortgage because the money money was swallowed by this bank!!!
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (PA)

After months of intense disputing with the credit bureaus, XXXX XXXX, and The Bureaus directly I thought this nightmare came to an end when the account was finally removed from my credit report, only to be woken up after a long days work by a collection agent from the Bureaus!! Not only did they totally belittle me, they told me I still owe the money, I still need to pay them, and they will still be doing everything to enforce their request for payment! I requested, by certified mail ( see attached ) that they no longer contact me by phone, I also sent them the fraud form I filed with the police! HOW DARE THEY!! PLEASE HELP ME!!!
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (SC)

I have a prepaid debit account with netspend where my XXXX is direct deposited. In XX/XX/2020 I went to XXXX  and I got out XXXX. 
Ten social security checks were deposited into the account, when social security was supposed to suspend my account while XXXX. 

Unfortunately, my identity was stolen while I was locked up and all of the checks that hit my bank were used as soon as they posted, until about three months ago when netspend noticed the weird activity and froze the account. 

I get out of XXXX  and discover all this happened, and netspend will not give me any access whatsoever to my frozen account because the thief changed my billing information. Now, I tracked the changes back to my XXXX account and found an unfamiliar address, tried to use it to access the account, after submitting all documentation proving my identity, and now the representative says I have to have proof of residence FOR THE THEIFS ADDRESS that he changed on the account. I asked them, so Im supposed to either fake mail or steal mail? 

Im not doing either. They should have a way to see the original address set on the account when it was made. They are holding XXXX $ of mine, despite me doing everything to prove my own identity except the illegal one they asked me to do. So what now? Im supposed to give up? 
And what about when social security wants their money back, because I filed a police report and notified social security of what happened. I didnt do anything wrong. I was XXXX  XXXX  in XXXX. 

I cant pay it back. I am XXXX I cant live without my check. I have no money now, I wont have any next month or the next either and I have court fees and XXXX  to pay. 

So what do I do? Net-spends customer service is nonexistent.
Consumer complaint received 2021-07-27
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: Experian Information Solutions Inc. (LA)

I have not received any confirmation on how you have verified the alleged hard inquiries attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) *******
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (NY)

I am writing today in regards to my account with XXXX XXXX account # XXXX. The reason I am writing today is in regards to the late payment which is reporting in XX/XX/2020, due to Covid I was unable to get that payment made in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (OR)

FED LOAN SERV reports two late payments on my XXXX   and XXXX  credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.
Consumer complaint received 2021-07-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (OK)

have send a dispute letter to XXXX  and XXXX stating the information being reported is inaccurate. A collection account reported by XXXX XXXX, NCB Managment and XXXX  XXXX  is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and XXXX XXXX is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please look into this for me. thanks in advance.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (AZ)

XXXX HAS SOLD OR OBTAINED A CREDIT COLLECTION COMPANY ON XX/XX/2021. THEY HAVE BEEN INFORMED BY MYSELF MULTIPLE TIMES THAT THIS DEBT DOES NOT EXSIST. NOW THEY HAVE BEGUN TO NEGATIVELY AFFECT MY CREDIT SCORE.
Consumer complaint received 2019-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CO)

XX/XX/27 - I notified a fraudulent EFT charge for {$2000.00} on my individual checking account. I immediately contacted my bank ( Simple ) and informed them of the issue. 

While Simple credited the {$2000.00} back to our account on XXXX, we have been unable to access any funds held within both my individual and my shared checking account ( essentially a month of pay we were unable to switch our direct deposit prior to the holiday ). I have contacted the bank several times, and theyve said they are unable to allow any access to those funds, since the accounts are blocked. I was never informed that this would be the case when we first instated the blocks, and I had been able to activate temporary lifts of those blocks when our account numbers were previously stolen at the same bank. 

Our shared checking account numbers were previously stolen in XXXX, and the bank did not recommend closing down all our linked accounts at that point.
Consumer complaint received 2021-07-27
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)

Nothing on my Transunion credit report has changed. The same information has been on there all month. Transunion out of retaliation dropped my credit score over 40 points. It was XXXX and dropped to XXXX over night. Keep in mind nothing has changed on my credit report. The only reason my score decreased by 40 points over night is out of retaliation for me filing a complaint against Transunion. If this is not so then I want them to explain to me why nothing has changed on my credit report. ( NO new debts, no new collections, nothing ) and they drop it over 40 points over night. In fact a few days ago a new account was added to my credit report. The account is in good standing. I have 5 accounts in good standing and nothing has changed except the new account and that was added over a week ago.I dont want to here their lame excuse that many things go into factoring my credit score. Nothing changed. There is no reason my credit score should have decreased by more than 40 points over night except for retaliation..
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (AZ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (GA)

I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.