davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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)

XXXX XXXX XXXXXXXX XXXX reported a debt of {$5600.00} on my XXXX credit report. This is identity theft and does not belong to me.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (PA)

I have had the same American Express Hilton Honors Card for 13 years and it has been the primary card I use for 80 percent of my purchase transactions. I have been paying off the balance on this card every month with the same Online Bill Pay transaction process from the same XXXXXXXX XXXX Checking account. 

On XX/XX/XXXX. 2020 I made a payment in the amount of {$1300.00} to American Express from my XXXX Checking account via Online Bill Pay which was successfully withdrawn from my account. The funds were never applied to my AMX credit card.

I filed a missing payment dispute with AMX immediately and was requested by AMX to send them the payment details of the transfer which was provided to them by XXXXXXXX XXXX. 
The details included in the funds transmittal from XXXX were : Electronic Trace Number File Trace Number Pay To Account Number Payment Amount Payee Routing Number Payee Bank Account Number After receiving the payment details from XXXX, AMX responded and indicated that their back office could not find the payment and closed the dispute. 

I opened a second dispute, where XXXX Bank for the second time provided proof of payment to AMX in which they responded that if the payment was successfully sent they would have applied to my account.

It is now six months later I have filed 5 additional disputes with AMX. AMX has replied with similar but different vague answers and closed the disputes. XXXXXXXX XXXX has also continued to provided payment details to AMX and contact their back office. AMX back office has however refused to speak with XXXX to resolve the issue or review the transaction details. 

I have called AMX customer service 13 times over the last six months and have asked for a direct contact to resolve the issue. I have talked to 3 different floor supervisors with no help or resolution. The last contact I had with AMX was with a supervisor XXXX in which he escalated this to upper management. He contacted me on XX/XX/XXXX and indicated upper management was taking over the dispute and I have not been contacted from AMX since.

This morning AMX again closed the payment dispute and are demanding payment. 

I myself and my bank have provided evidence and proof the payment was successfully sent and received by American Express. American Express has or can not provide any evidence they did not receive the funds. 
.
Consumer complaint received 2022-12-16
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: Resurgent Capital Services L.P. (GA)

I attempted to contact the following companies in regard to Identity theft & fraud with the following accounts : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX ..... Updated XX/XX/XXXX ... {$3700.00} XXXX XXXX XXXX Opened XX/XX/XXXX ..... Updated XX/XX/XXXX. {$4200.00} XXXX XXXX XXXX Opened XX/XX/XXXX ... ... updated XX/XX/XXXX, {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ... updated XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX- Opened XX/XX/XXXX... Updated XX/XX/XXXX, {$4400.00} XXXX XXXX XXXX opened XX/XX/XXXX, XXXXupdated XX/XX/XXXX, {$480.00} XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX... Updated XX/XX/XXXX, {$15000.00}
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

I refinanced my home with XXXX  approx 18 months ago. XXXX  transferred my mortgage to XXXX who, in turn transferred it Mr. Cooper on XX/XX/XXXX. In XXXX of XXXX, I accidentally paid my mortgage twice. I contacted XXXX and they said I could fill out the forms for a refund or when they transfer the loan to Mr. Cooper, they would tell them that my first payment was due XX/XX/XXXX. As you'll note from my emails this did not happen. In addition to the email, I have talked to someone at XXXX and Mr. Cooper over 15 times since XXXX. 

Each time, I would say, " I need this resolved and I'm worried that this will reflect my credit ''. I was assured it would not affect my credit while it was being investigated. 

Because I was being told so many different things from so many different people I decided I couldn't trust what I was being told so in XXXX, I paid the mortgage payment that I didn't owe just to prevent any future problems. I have owned my home for 30 years and have never missed a payment. 

I just received notice from one of my creditors last week that Mr. Cooper, had, in fact, put a derogatory " missed payment '' on my credit report. My score immediately went down over XXXX points. 

I have emailed Mr. Cooper and talked to a service rep. They have not returned my email and the service rep was going to talk to a supervisor and get back to me. They have responded to neither. 

I tried 7 on your side first and they suggested I contact you. 

Thank you. 

XXXX XXXX ( XXXX  ) The Loan may be under The XXXX XXXX XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXXXXXX XXXX 
Account DATE : [ XX/XX/XXXX Reason : [ REMOVE 30 DAY LATE PAYMENT OR REMOVE ACCOUNT PLEASE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

Receivable Performance Management keeps calling although I already explained the debt is not mine, maybe due to the identity theft. But the agent, XXXX XXXX, insisted on paying the debt. This conversation was on XX/XX/XXXX. 
The phone number, XXXX from XXXX XXXX. I was told that I owe {$130.00} for the last eight month bill. The number is not belonged to me nor my family. But she doesn't listen to me, kept repeating that I owed. I am sure she was trained like that. 

I called the XXXX XXXX about the phone number. The customer service agent was not able to pull out the number. But she advised me to ignore the call from the collection agency. 

The collection agency keeps calling, stop me working. I am too tired and these calls have to be stopped. I am sure there are many others who become victims of this collection agency.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ON XX/XX/2022 I notified TRANSUNION there are several fraudulent/unauthorized inquiries listed on my consumer report that I did not give anyone permission to pull. The TRANSUNION agent I spoke with ignored my dispute and refused to properly investigate my dispute and transfer me to thier superior to correct my consumer report. My consumer and privacy rights have been violated pursuant to 15 USC 1681 ( B ) ( C ). I demand to be provided strict proof of my consent to furnish this information on my consumer report or delete the items immediately.
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (CA)

in the month of XX/XX/2018 submitted documentation as proof i do not owe collection in the amount of $ XXXXIt has been nearly 3 months since the company agreed to remove collection and negative charge off continues to show as of today. I wish for this to be removed as promised
Consumer complaint received 2017-07-20
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: Experian Information Solutions Inc. (MS)

I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX Authorization. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX c- XXXX XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!
Consumer complaint received 2019-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (LA)

The company offered us a loan and the payment practices were not made clear. The issues : If you do not opt for automatic payments, and decide to pay by check, they charge a {$7.00} check processing fee which is deducted from your payment. Checks issued can take up to a week to process when received. This will add up in interest charges. 2. They will ONLY accept the monthly payment ON the due date, otherwise, they process it as principal payment and you are still required to make the regular scheduled payment. 3.  Calling in a payment on the due date, is not same day processing, it will process on the following business day. Calling 2 days ( Thursday ) before your due date when falls on a Saturday, will not process until the following business day.. more interest. 4. The information provided in the loan documents and the web site, is not clear with their payment practices. In a nutshell, they dont allow monthly payments to be made early, dont allow multiple payments which add up to the monthly payment. Their current payment practices costs the loan recipient more interest.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (IL)

My direct deposit was made to my account and Bluebird has froze my account so that I can not pay any bills, take out cash advances and in addition to that, they have hundreds of my dollars on transaction holds from over a week ago.
Consumer complaint received 2017-07-20
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: EQUIFAX, INC. (MS)

I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX XXXX. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX XXXX- unauthorized XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!
Consumer complaint received 2017-07-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FRANKLIN AMERICAN MORTGAGE CO. (GA)

While in my Chapter XXXX Bankruptcy, I had a payment that was to be cured within my bankruptcy along with paying my monthly payments on time every month. I have since been discharged from my bankruptcy effective XX/XX/XXXX. Immediately after my discharge Franklin American Mortgage began to contact me via telephone and mail stating that I was 13 payments behind. I have been going back and forth with them for the past 3 months trying to rectify this situation. I was told that from XX/XX/XXXX - XX/XX/XXXX, I was in default for nonpayment. I then sent them bank statement showing proof of me sending payments from XX/XX/XXXX - present ( XX/XX/XXXX ) and every payment was accounted for. They even sent me a transaction history showing and verifying payments for every month they said that I did n't pay. This has become very stressful to me and my family and I am at the end of my rope with this company. This company is incompetent and horrible at handling mortgages. Instead of someone speaking to me to figure out what is going on they all are telling me that I have not made 13 payments regardless of the proof I sent them or even the proof that they have sent to me.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

Good afternoon, In response to CASE NUMBER XXXX - EXPERIAN AND XXXX added MORE DAMAGE reporting a XXXX CHARGE OFF to an account that is already CHARGED OFF. 

I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

XXXX XXXX had the XXXX lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

XX/XX/XXXX I discovered XXXX was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through Experian XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XX/XX/XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, XXXX XXXX eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX. 

Now my credit report says I have a RECENT LATE as of XX/XX/XXXX and XX/XX/XXXX - but the last time I was late with payments was XX/XX/XXXX. XXXX recent reporting of my charge off occurred in XX/XX/XXXX and now XX/XX/XXXX because of my recent complaint. They updated their records to reflect CHARGE OFF XX/XX/XXXX. Their adherence to erroneous reporting makes lenders and other affiliates assume I was recently late on my obligations. I DO NOT HAVE A CHARGE OFF AS OF XX/XX/XXXX or XX/XX/XXXX. But as you can see on the evidence provided I was NOT late on any payments in XX/XX/XXXX. ( I have n't been late on any payments since XX/XX/XXXX. ) How could I be late on an account that has been closed since XXXX? Compass wrote that the balance is past due as of XX/XX/XXXX and now XX/XX/XXXX but I was 120 days past due from XX/XX/XXXX. 
LENDERS will NOT approve me for a mortgage because it says I was recently CHARGED OFF. How can I now have XXXX CHARGE OFFS on XXXX ACCOUNT? 
I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XX/XX/XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. I DO NOT HAVE A CHARGE OFF IN XX/XX/XXXX OR XX/XX/XXXX. THIS ACCOUNT IS FROM XX/XX/XXXX. CLOSED IN XX/XX/XXXX. YOU CA N'T REPORT ON A CLOSED ACCOUNT. 

Per Experian my Time Since Negative is .1 years ( point one years ). Please help. I have n't been late since XX/XX/XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XX/XX/XXXX. 

Thank you kindly. 

XXXX XXXX
Consumer complaint received 2021-07-21
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: Continental Finance Company, LLC (PA)

I am a victim of idenity threft. my federal trade commission idenity theft record No. is XXXX I XXXX XXXX did not make any applications to XXXX XXXX XXXX XXXX XXXXXXXX. 

YOU HAVE MY MAIDENN NAME also that is fraudulent activity. 

I was written off with a form letter.
Consumer complaint received 2017-07-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KS)

I have a tax lien still reporting on my credit! the tax lien was paid in full in XXXX, but never filed with the courts cause irs was unable to provide me a copy of the lien release but cause of the age of the account, but that I would be able to get it from the court house which XXXX county could not provide! so this paid debt sits on my credit report and every time I dispute them they are always validated! because I do n't have forms to file at the courthouse! ref number XXXX DATE FILED XX/XX/XXXX Status Filed Amount {$1900.00} Classification Lien Type State Tax Lien
Consumer complaint received 2018-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

I called in XX/XX/XXXX to inquire about a forbearance form. They mailed me a form and I filled it out and mailed it back. I called to follow up upon receiving another months bill ; to which I was told I didnt include the co-signer information ( mind you, no where on any of my bills I receive nor anywhere on the user portal online logging in does it show or demonstrate that these two loans have a co-signer ). So they mail the form again and I fill it out again, this time including my co-signers information. I follow up on XX/XX/XXXX and was then told that they had me fill out the wrong forbearance form. I attempted to inquire about this issue and was given the runaround. What forbearance form did I fill out? What one was I supposed to receive? The forms were mailed directly to me by AES so how could they get this wrong twice? They tell me they will mail me the correct form and it is now XX/XX/XXXX and I have yet to receive the new form so I called again today and they had no clue about why I didnt get it. Well now its coming up on 60 days without payment because the forbearance was supposed to have started on XX/XX/XXXX whe. They received the form the first time I filled it out. Please help get this company to do right!! This is so wrong that I keep getting the runaround and have to re-do things
Consumer complaint received 2022-10-14
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. (AR)

On XXXX I contacted Transunion via certified mail with USPS tracking Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  REQUESTING AN EXPLAINATION OF METHOD, PROCEDURFE, OF VERIFICATION AND HOW THESE FRAUDULENT ACCOUNTS WERE INVESTIGATED UNDER FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I ADVISED TRANSUNION SINCE I HAVE BEEN A VICTIM OF IDENITY FRAUD, ANYONE WITH ACCESS TO MY PERSONAL INFORMATION COULD EASILY PERPETRATE AGAINST MY WILL. I AM AWARE OF YOUR AUTOMATED E-OSCAR CODE VERIFICATION SYSTEM, WHICH ONLY VERIFIES SIMPLE PERSONAL INFORMATION. I AM ALSO AWARE E-OSCAR FAILURE TO COMPLY WITH FCRA 611 ( A ) 2 BY NOT INCLUDING ALL RELEVANT INFORMATION REGARDING MY DISPUTES TO THE CREDITOR BY REDUCING LEGAL CORRESPONDENCE INTO A TW0-DIGIT CODING VERIFICATION SYSTEM. 

TRANSUNION FAILED AND NEGLECTED TO RESPOND TO MY REQUEST AND CONTINUES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO TRANSUNION.
Consumer complaint received 2017-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Date : : XX/XX/2013 The actions were taken against me as if i was doing fraudulent activities with my account but Bank Of America, but the account was closed per BOA before because of BOA allowing someone on the inside of the bank to take money from my account.. So they basically told me to closed one account to open an whole new account so the problem could stop but it did n't stop there ... So i closed the account all together.,