davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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. (TX)

I submitted A dispute prior with all 3 consumer reporting agencies several times in regards to the " XXXX XXXX XXXX  Card '' that appears on my credit report with A balance of XXXX. All 3 consumer agencies updated the account with disputed but did not remove the account. When I received the updated report in the mail it had this account came back as " Verified ''. I then reached out to XXXX XXXX XXXX XXXX  directly and they informed me they had not received the prior disputes from the consumer agencies. They then opened there own investigation and determined this account was NOT my account and in fact A fraud account. I am wondering how was all 3 consumer agencies able to " VERIFY '' an account that the company itself is saying is invalid and fraud? : I went onto the XXXX  website and could not submit documentation because it still says under investigation. However XXXX  and Experian both say online that I am unable to dispute the information again due to the prior disputes. I have attached the letter I reached on XX/XX/20 from XXXX XXXX XXXX XXXX  advising and confirming that the account was fraud and did not belong to me. They also advised they will remove any reporting from all 3 consumer reporting agencies within 45 days. I should not have to wait on this company to reach out to remove this fraud account when I have submitted several disputes and the consumer agencies failed to properly veriy the account according to the FCRA. I am also requesting that all 3 consumer reporting agencies have my name listed correctly as XXXX XXXX as I have sent my drivers license and social several times to have my personal information updated. My last name is no longer XXXX.
Consumer complaint received 2022-03-04
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (IL)

CREDIT COLLECTION SERVICES BOUGHT TITLE TO A DEBT THAT HAS ALREADY BEEN CHARGED OFF AND IS NO LONGER VALID. THEY ARE NOT IN ANYWAY A CREDITOR BUT HAVE USED MY PRIVATE INFORMATION IN COMMERCE IN VIOLATION OF ILLINOIS STATE LAW. ACCORDING TO ILCS THEY MAY BE HELD LIABLE FOR CONSUMER FRAUD AND IDENTITY THEFT AND I WANT THEIR FRAUDULENT CLAIM ERASED FROM MY CREDIT FILE.
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bureau of Accounts Control (NJ)

I had an been in collections by Burea of Accounts CONTR XXXX Address XXXX XXXX XXXX XXXX XXXX NJ XXXX. Phone XXXX XXXX XXXX. I am filing this complaint with this collections agency for destroying my credit to low 500s. I  am unable to even rent an apartment, or lease a car, or obtain a credit card due to their refusal to submit a claim to my medical insurance company or through my XXXX car insurance company. In NJ a person has the right to submit a claim to either medical or car insurance at their discretion. I confirmed with this company that a year and a half ago they had been informed of my medical insurance that covers ambulance bills. My emergency room visit had gone through my medical insurance but the company refused to submit the claim. I had confirmed with XXXX and there are notations made where I had attempted to even submit the claim myself but was advised the company must submit it. XXXX ID XXXX group XXXX. I am now being billed {$1600.00} with a ruined credit score and according to my plan I was only to be held responsible for 25 % of my ambulance bill because of my great medical coverage. Also, I do not appreciate the discrimination in having my ambulance bill refused to be put through as a claim to my medical and/or through a XXXX car accident claim under XXXX. The other people involved had been given free ambulance ride covered through my XXXX car insurance policy. This company had TWO options of submitting in a claim before they completed ruined my credit score. This company had not only refused to allow me to make monthly payments if it was past claim submission but they had lied to me a year and a half stating they will put the claim through my medical which had been provided over the phone. I had mental health issues for the past 3 years and was put on family medical leave and I do not appreciate them taking advantage of a person with mental health XXXX issues since the date of XX/XX/2017 where I had taken an ambulance to the emergency room. The emergency bill had been covered through my insurance and the ambulance refused to submit the claim to my insurance. I find this discrimination horrific and it has caused me even more emotional distress that could have been solved if they had not discriminated against me. Not to mention, I am unable to even rent an apartment that had led me to end up renting rooms where I was in horrific situations that caused me even more emotional distress. I had attempted to solve this issue on numerous calls about 2 years ago and they refused to cooperate with me. As a resolution I would like to be held accountable for the 25 % of the {$1600.00} that they are billing me for since they had refused to put in the claim within coverage dates to be covered through two insurance companies.
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

PHOENIX RECOVERY GROUP out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has falsely claimed that I owe a debt in which I did not accrue. Additionally they have reported to the 3 credit bureaus that I have missed late payments with them. This fraudulent claim has dropped my score from XXXX to XXXX.
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have sent XXXX letters to Portfolio Recovery to inform them the debt was due to Identity Theft but they have ignored it. The last letter was sent on XX/XX/2022 through certified mail and they did receive the letter. Since informing them of the identity theft they have begin to send XXXX to XXXX letters to my address a week trying to collect money for a debt that is not mine. And they have yet to remove the debt from my credit reports after proof of identity theft. This company has repeatedly harassed me over the years through phone and now through mail. I no longer want to be harassed for a debt that is not mine.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Hello the CFPB, XXXX and XXXX are reporting inaccurate information on my credit report. According to the FCRA everything they're reporting needs to be 100 % accurate. The Bank of America account XXXX and XXXX are reporting was obtained fraudulently I never used this card or received this card in the mail. 


I want this account removed from my credit report permanately.
Consumer complaint received 2020-06-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (CA)

I previously placed an extended fraud alert on my credit file with the three national credit bureaus because I was the victim of identity fraud. On XX/XX/2020 I applied online to purchase a new XXXX XXXX phone from XXXX. They redirected me to TD Bank 's website which handles their credit. I applied for credit with TD bank and was told to call a telephone number which I did. I spoke to a TD Bank representative who asked me a few questions and then indicated that my request for credit was denied and I would receive a letter in a few days. I received the letter around XX/XX/2020 and I am uploading it with this complaint. The letter indicated that I should call or apply online for another letter which would explain why my application was denied. I applied for this second letter ( the " denial reason letter '' ) both in writing via email and by calling the toll free number in the first letter. I did that on XX/XX/2020, the same day I received the first letter. I've called now at least four times and the representative keeps saying that they'll investigate and get back to me but I've never received any return call from them. I spoke to a supervisor who said that because of my extended fraud alert, they use some outside service, whose name she would not disclose to provide information that they use to determine whether or not to grant credit and that, based on the information from this secret outside service, they chose to deny credit. I believe that the information that this secret service provided falls under the definition of " consumer report '' as defined in 15 USC 1681a ( d ) ( 1 ) since it is information " bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility '' for personal credit. I believe, therefore, that this secret organization falls under the definition of " consumer reporting agency '' as defined in 15 USC 1681a ( f ). This secret organization obviously has incorrect information but I don't know who they are so I can't help them correct the misinformation. I believe that I am entitled to know who they are under 15 USC 1681m ( a ) ( 3 ) ( A ). In addition, I am entitled to receive the information required 15 USC 1681m ( b ) ( 2 ) ( A ) ( I ) if the secret organization is deemed by you not to be a consumer reporting agency. I have literally spent hours on the phone with TD Bank but no one will answer my questions or call me back.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing this due to non-compliance with the (XXXX, XXXX  ,Transunion). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AZ)

To whom it may concern : I have been dealing with Ally Financial for approximately 6 years with an auto loan. In the month of XXXX I had spoke with an Ally representative requesting an extension for my XXXX payment. The represented submitted my request and I was advised they will contact me to verify if request was approved or denied. 
The following week I received a phone call from Ally requesting to collect a past due balance. During the call I advised the representative that an extension was submitted and requested if we could review that. The rep places me on hold for a minute or two. Once they break the hold they advised that they request was approved. I asked the rep again to verify it was approved and they stated yes. I then asked if this was approved why am I receiving this phone call? The lady apologized and advised she will have my information removed. About a week later I received another call requesting to collect a past due amount. I speak to the rep and they stated the approval was never approved. I then asked if every call is notated and if they can pull up the notes and if I can speak with their representative. They then confirmed that they see a call was made out on that day but no notes were left on the file. My next request was to speak to a supervisor to have that call pulled. The supervisor said they have to submit the request and a manager will give me a call back. 
A week passes by and I receive a call from a " supervisor ''. The gentleman most likely did not read any notes. I had to explain everything again to another representative. Once I brought him up to speed I asked if they obtained the recording. The gentleman advised no and then stated he will have his manager reach out to me within 2 days. After not hearing from anyone I attempted to call back the number the gentleman called me from but the number was not valid. 
After calling back the customer service number I spoke with a gentleman by the name of XXXX who actually read over the notes thoroughly and apologized. He then advised he can not pull the recording but advised me to switch my bill date for the time being in order to prevent the negative hits I was receiving to my credit score.  He then stated that I will be contacted the upcoming business week from a manager. This issue began in mid XX/XX/2018 at this very moment XXXX pm mst I am on my 4th call to Ally in efforts to resolve my issue. The most upsetting thing about this process is that there is no representatives you can speak with in the states. My credit score has been dramatically impacted by this run around and I have yet to receive any resolution at this time.
Consumer complaint received 2018-05-15
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. (WA)

I called coustmer service to have this problem resolved and the guy name was XXXX XXXX and couldn't resolve this issue or give me his representative number he said it was against policy. I told him I was a victim of identity theft and I do not recognize them inquires. He told me the only thing I can do is get a police statement. The police is not going to give me a report on the inquiries on my credit report. All this came from transunion crediting bureau. 

1.XXXX  XX/XX/XXXX 2.XXXXXX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX 10.XXXX  XXXX  XX/XX/XXXX 11.XXXX/XXXX XX/XX/XXXX 12.XXXX/XXXX  XX/XX/XXXX 13.XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2018-05-15
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)

I have been trying to have collections from my credit report. I am a victim of fraud and is hindering me to move forward in purchasing a home. 
XXXX XXXX  XXXX XXXX {$290.00} Last reported XX/XX/2018 XXXX   XXXX XXXX {$470.00} Last reported XX/XX/2018 XXXX  XXXX XXXX {$800.00} XXXX XXXX XXXX {$290.00} I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved. 
I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved.
Consumer complaint received 2018-12-13
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. (FL)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2022-07-24
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. (NJ)

I have reached out numerous times regarding these accounts listed on my Credit profile. There are XXXX accounts listed which are invalid. Each time I have submitted a complaint the response says that the debt has been at this time I am strongly considering contacting a lawyer about this issue. There is no reason that TransUnion and XXXX are not checking the actual validity of the debt.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I noticed a Bank of America credit card account ending in XXXX reporting on my credit report. I have called them and closed the account, but they are still reporting it on my credit.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I did not open an account with XXXX. Furthermore, this loan was initiated in XXXX - XXXX and my credit report states that it was started in XXXX. This vehicle was resold and the amount that is stated as owed is also incorrect. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Open balance 14 XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 3 yrs, 4 mos ) Account status Open
Consumer complaint received 2018-05-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I was on a deferment and they marked me late multiple times. There are also many instances of duplicate reporting and it has completely ruined my credit. The unfair practices has affected my purchasing power by devastating my credit. Rather than assisting me to repay the loan I was pushed in deferment, which more than doubled the principal of this loan.
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

XX/XX/XXXX : I contacted Hungtinton Bank and explained that I had been unemployed for a number of months and still had no employment in sight. I asked if there was something that could be done. They told me no, just pay and do not be 30 days late. I continued using my savings to pay which meant other bills were not paid. 

Finally, in XXXX of XXXX, after missing some payments I spoke with someone at the bank. Explained I had been unemployed but finally had a new job but at less that half of what I previously made. They told me I could apply for a loan modification and that this was an option that should have been offered when I was unemployed. 

XX/XX/XXXX. The modification was completed but not to my satisfaction. I asked to speak to someone in management to discuss what had occurred. I was given name and number and called over and over and over. I was called back maybe once, twice at the most but not when I was free to speak. I continued calling only to be ignored. In addition, while awaiting the loan modification, I was called by the bank and told I was delinquent. I told them I was working on a modification with them and did not understand how they could not do this. 

XX/XX/XXXX : After continuously trying to speak with management I paid nearly {$2400.00} XXXX one month late and the amount per the modification ). I still continued to call and be ignored. 

XX/XX/XXXX : Received a check from the bank representing the amount I paid them. They said I was delinquent and needed to pay in full. I have tried calling them again and still no response. I made another payment but am concerned they will never address my concerns. I can now make regular monthly payments.
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (GA)

I had 100 % financial assistance for XXXX XXXX. I have spoken to a lady at Dynamic Recovery Solutions who told me it's not their problem and wants me to pay it. I offered to send her the letter I got from the hospital proving this debt was not owed but she just kept arguing with me telling me she could set up a payment plan. I don't want a payment plan for a debt that isn't owed. I want it off my credit report.