davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I come today to request that the record is corrected due to errors I've seen on my credit report. I am natural person consumer pursuant 16CFR 444.1 ( d ) A natural person who seeks or acquires goods, services, or money for personal, family, or household use. I am asserting my right against the financial institutions and reporting agencies pursuant Regulation V. 12CFR 1016 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. I have not received any disclosures to opt of the sharing of my information. I have reached out to XXXX, XXXX XXXX XXXX XXXX and XXXXXX/XX/XXXX to validate this alleged debt. I filed a FTC report for identity theft attached for more information. XXXX XX/XX/XXXX is claiming I owe a debt how if all debt or alleged debt is obligation of the United States pursuant 18USC8 The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Pursuant 18 USC 8 how can one have a late payment if said law implies certificates of indebtedness is of the United States. The furnishers of this information is in direct violation of the FCRA. Pursuant 15USc 1681 c ( 2 ) a all information in connection to identity must be block within 4 days. I understand it has to be an investigation but understand that the law trumps policy. I request that the rules of the investigated report is followed pursuant 15USC1681 ( a ) e must have sources of interviews of family and friends. Further more pursuant 15USC 1681A ( 2 ) a ( iii ) I must be given a chance to direct the information whether I want the information about a transaction I had to be reported or not ( Gramm-Leach-Bliley Act ). I request all late payments are removed from my report. I request that XX/XX/XXXX is deleted due to my medical information being shared. I request the proper notices to opt are mailed monthly TO ME from each furnisher meaning financial institution and credit reporting agency failure to disclose such documents is direct violation of Regulation V. This information is false and misleading to anybody who sees my credit report. Banking is dependent upon the accuracy and fairness to the consumer.
Consumer complaint received 2021-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE A MORTGAGE IN MY CREDIT REPORT THE DO NOT BELONG TO ME. I DO NOT HAVE A HOUSE, THIS CREDIT BUREUS ALLOW SOMEONE ELSE TO REPORT IN MY CREDIT PROFILE ILLEGALLY.PLEASE INVESTIGATE WHY TRANSUNION REFUSED TO REMOVE AN ACCOUNT THAT IS NOT MINE. SEE ATTACHED
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

After running into financial difficulty in XXXX, I tried negotiating with Bank of America. They would not. After speaking with them for months, they told me the only thing I could do to get the interest or payment reduced was to go 6 months and have them charge off the account which they said would be very bad. I did not want to do that but had no choice since they would not except any payment plan or reduce the interest. I accept that and understand that the charge off must appear on my credit report. However, my credit reports are showing 10 charge-offs so far. And they are adding one every month. I reached out to the credit reporting bureaus to point out that there was only one charge off ( which I am slowly paying down ). They investigated and nothing was changed. I have a copy of the report from XXXX  showing 10 charge offs from XX/XX/XXXX to XX/XX/XXXX. There was only one back in XXXX. Please help to get my reports corrected.
Consumer complaint received 2019-08-05
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. (NC)

Experian Rent Bureau has wrong information and because of that my husband, son, and I were denied a lease to rent a house on XX/XX/19 Our application was submitted on XX/XX/19. In our tenant reports it says that we have an Outstanding balance with XXXX XXXX collections for XXXX XXXX apartments in the amount of {$4200.00}. This account was satisfied and closed and XXXX XXXX collections reported it to be removed This has caused a tremendous hardship on my family. We are scrambling to try to get this corrected so that we can get new housing. XXXX XXXX  is the company that used your company rent bureau and they stated that I need to fill out a dispute form along with a copy of the letter from XXXX XXXX collections showing that the account is satisfied and closed. They stated it is going to take about 30 days to investigate this I dont understand why I can not get this expedited. I need your company rent bureau to delete this in our files. I will fax this dispute info to XXXX tomorrow XX/XX/19 so that you rent bureau can delete this immediately. It should not take 30 days in this day and time it only took your company less than 24 hours to get us denied for the property because of an accurate information on your tenant screening report There are no Repercussions for your company having wrong information and that needs to change
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

Applied for Forebearance in XX/XX/2021- According to company it was approved although I never received formal notice. 
Contacted ShellPoint Mortgage ( mortgage holder ) XX/XX/2021 and informed them I was ready to start making payments. 
Attempted to make a partial payment and payment was rejected by the lender and money returned. Mortgage company refuses to accept any payment, They want to modify the mortgage and want to add an additional 2 percentage points to the mortgage. This is unacceptable to me, and their refusal to deal with me is illegal in my opinion. 
Mortgage holder has been changing the terms of the repayment, and not responding to proposals for 14 days or more. 
Mortgage company makes no commitment on repayment proposals claiming that 'they must submit it to investors ' Weeks go by and THEIR proposal are now rejected and they are making new demands. 
They have insisted on bank statements before they will approve repayment. 
They keep changing the terms, and I feel they are not dealing with me in good faith.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

ON XX/XX/13 MY SEARS CREDIT CARD ACCOUNT WAS CHARGED FOR XXXX FROM A XXXX XXXX AND I HAVE NO IDEA WHO THEY ARE AND NEVER DID BUSINESS WITH THIS COMPANY. I CALLED SEARS CREDIT CARD BACK WHEN CHARGE SHOWED ON MY STATEMENT AND REPORTED IT AS FRAUD AND THEY DID NOTHING FOR ME SO I AM NOW FILING A COMPLAINT WITH YOU AGAINST SEARS CREDIT CARD MASTER CARD. PLEASE HELP ME GET MY MONEY BACK THAT THIS COMPANY STOLE FROM MY ACCOUNT WITHOUT AUTHORIZATION. I AM A SENIOR CITIZEN AND LIVE ON A FIXED INCOME THIS IS SENIOR ABUSE
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bushwood Capital Group, Inc. (PA)

Repeated phone calls at my place of employment to collect a debt that was already paid. When transferred to voicemail they do not leave a message and will just call back until I eventually take their call. 
Bushwood Captial Group First it was XXXX. Now it is someone named XXXX ( XXXX ). 
The debt was already paid to the original creditor - XXXX XXXX XXXX {$190.00} However, they still continue to call and harass me at my place of employment. 
This time XXXX said they are taking legal action to sue me. 
I have already supplied them with the receipt of the original creditor XXXX   XXXX XXXX.
Consumer complaint received 2020-02-18
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 gotten a collection bill from a company that I had never had business with, I think my identity has been compromise, in recent and pass data breaches my identity resulted in been access by unknown people, I check my credit and there are accounts that are fraudulent.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX, some of my personal information was compromised in the XXXX data breach. In XXXX, an identity thief charged {$30000.00} to a department store ( XXXX XXXX ) without the card ( it was in my possession ), using a bogus New York driver 's license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold 13 years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all three credit reporting agencies. XXXX, who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for 11 years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the FTC. I have lodged a fraud alert with all three credit bureaus. When this is resolved, I will freeze my credit.
Consumer complaint received 2019-08-05
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: Creditors Bureau Associates (GA)

I recently reached out to these reporting agencies regarding a medical debt. The information that was provided led me to believe that they have violated my HIPAA rights. One company say that the debt was started this year but its been several years since Ive seen a doctor other than my personal doctor
Consumer complaint received 2018-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have two separate complaints, one from XXXX XXXX XXXX XXXX and XXXX for Capitol One. 
XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX has deleted the account, however the other two XXXX and XXXX   have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and XXXX since they have not removed or deleted the error on my report as requested. 

Capitol One {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from South Carolina to California due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. Capitol One stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with Capitol One and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with Capitol One and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank Capitol One and the three bureaus XXXX, XXXX and XXXX since they have not removed or deleted the error on my report as requested.
Consumer complaint received 2015-11-17
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth Third Bank locked my " make a payment '' feature which had an automatic payment. Since it locked that account, my automatic payment for my mortgage did n't go out, causing it to be late and more fees. When I tried to fix the problem, I just kept getting transferred from one person to another.
Consumer complaint received 2015-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Municipal Collections Services, Inc. (IL)

Municipal Collection Services XXXX Inc. ( MCIS ), has repeatedly called to collected on this item that the XXXX XXXX XXXX XXXX XXXX had received payment. The XXXX XXXX XXXX XXXX XXXX also informed me to pay them directly. This was communicated to MCIS in XX/XX/XXXX 2015. I communicated this again to MCIS on XXXX/XXXX/15. I have and is requesting that MCIS verify information and remove completely this negative information from my credit report immediately. Simply reporting information as paid is insufficient. I am requesting it be removed asap. Furthermore, MCIS provided me with no written documentation or communication about this action ( placing of negative information on my credit report ) in anyway. This information was place on my credit report with no documentation or communication to me.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I recently received a copy of my credit reports and noticed I C SYSTEM INC is reporting what looks to be a fraudulent account of {$380.00} to all credit reporting agencies which are XXXX, XXXX and XXXX, i have never done business with I C SYSTEM INC and do not wish to contract or have an agreement with I C SYSTEM INC, i have never authorized I C SYSTEM INC to access my personal information or credit file such as social, DOB, address, Phone, i have never signed contracts, documents, or agreements with I C SYSTEM INC.

I contacted I C SYSTEM INC and asked them to provide me with a copy of contracts, documents, agreements, photo id, social or what ever was used to open the account with I C SYSTEM INC. so i can file a police reports. i was told by a XXXX XXXX lady that they do not need to provide anything, i said its lots of identity theft going on and i need what ever you have to file a report, she hung up on me. I called again and ask to speak with a supervisor, then another lady hung up on me.
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2019 I created XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the name XXXX XXXX XXXX and received the XXXX letter. At the state level I accidentally created the name XXXX XXXX XXXX. When receiving a check from a customer it was made out to XXXX XXXX XXXX. I brought this to Chase bank and opened a business account along with the paperwork from the IRS. The setup my account and deposited the funds. Within a week I received a letter which stated the discrepancy between the account names and this must be corrected or the account will be closed and funds issued as a cashier check. Due to some delays and personal family issues I did not react fast enough and the account was closed. They issued the account balance as a cashiers check made out to XXXX XXXX XXXX. I tried to deposit this in another personal account but this was not possible due to the name being made out to my business. I asked XXXX If I update my business name can I deposit the check in the new account and they said no because my account name will not match the cashier check name. So I contacted XXXX and requested they re-open my account under the original name. This was declined because they put a hold on a new account with this name. Finally I was able to go to another branch and ask them to work on fixing this. They made several attempts to re-open the account and asked to have my cashiers check. They shredded it and now when trying to re-open an account I do not have the check. I signed an affidavit that the check was not in my hands anymore. They are trying to re-open the account under the original name and cut a check in my personal name then close the account. It is now mid XXXX and this has prevented me from depositing future business checks and correcting my business name with XXXX. I have asked if this can be escalated to a higher authority but they said no only at the branch level. After fighting them for over 5 months I am starting to suffer significant financial loss and seeking to get help from an attorney. Please help! Other bankers have said this is the most unprofessional thing they have seen in over 30 years!!
Consumer complaint received 2017-06-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My vehicle was paid in full on  XX/XX/XXXX . On  XX/XX/XXXX  the bank pulled a additional payment. Upon calling the bank they acknowledged the overpayment and stated that since it was ach from my account that the check would be mauled back to me. I still as of today have not received the check. After speaking to the bank they now state they do not have a association with the  Bill p ay sevice. However upon searching the billpayment service it shows owned by fifth third. The bill payment swrviceis also now staying they have no record.I have provided bank statements and have spent countless hours working to get back the overpayment.
Consumer complaint received 2021-11-17
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: Resurgent Capital Services L.P. (FL)

I am very upset with this issue. I sent a letter to the creditors and collection agency regarding inaccurate accounts on my report. It is now XXXX days  and I have not received a repsonse. I did my research and I am for sure that they have XXXX days  to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (DE)

I submitted a claim last year in reference to my Santander loan. But wasnt given any solid information. Santander consumer is known for charging unnecessary fees and preying on their consumers with outrages APRs. I had my car for over 5 years and the balance never changed from {$17000.00} ( XX/XX/XXXX ) until XX/XX/XXXX and it finally moved to {$16000.00}. They are trying to show that I was late XXXX times, when I WASNT. I do not owe over {$15000.00} after having the car for YEARS!
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Buckles & Buckles, P.L.C. (MI)

In XXXX, during a period of personal hardship, I had a credit card debt with XXXX XXXX that I had stopped paying on. The amount was approximately {$6300.00}. In the following years I received voicemails and mailed letters from the debt collector Buckles & Buckles trying to receive payment on the debt. They continued to add fees until they claimed the amount totaled {$19000.00}. In XX/XX/XXXX I received a notice that a court judgement, with no previous notification, was made against me and 25 % of my wages would be garnished. As of XX/XX/XXXX, {$7800.00} has been garnished from my wages. I have sought legal counsel and was told that this was an illegal judgement, and I was directed towards submitting a complaint with this bureau.