davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  sold my account XXXX to a collection agency, who stated that they would reach out to lender to confirm agreement to pay and update account. 

The agreement was to pay {$350.00} which would settle account and would deem account balance settled in full. It has been my understanding with discussions with the collection agency that this was a " pay for delete '' although I never received confirmation. 

This amount has been paid, as agreed. 

The credit card company bank XXXX, continues to report a " past due '' balance of {$100.00} in addition to collection/charge off status. Both of these descriptions are an unfair business practice intended only to undermine my credit rating. ( the company and/or collection agency initiates settlement ; I agree, they collect settlement but continue to report inaccurate information even though they have received {$350.00} as " payment in full. '' The credit agency states that XXXX must update my credit file, XXXX sends me back to the credit agency stating that at some point they will send payment confirmation and update my file. 

Both, XXXX XXXX and the credit agency appear to participate in a joint unfair practice towards me, which involves ( a ) collecting legitimate debt the original lender is owed ( b ) abandoning any and call meaningful contact that would result in anything near-positive that reflects an update on the account and my credit file. 

This complaint does not dispute the debt owed. However, it appears that the lender 's practice is malicious and unfair. They appear to be taking advantage, while purposely not reporting accurate information on this particular account, which has been resolved. 

XXXX XXXX  does not care, and has displayed an utter inconsideration towards customers who have made efforts to resolve their debt with them amicably ; they have sold debt to collection agencies at a discount, benefitting from writing off the debt " as losses ''. Furthermore, they have reported my debt in this case and others as still old, derogatory and anything that would resemble an effort on my part to demonstrate a reasonable resolution.
Consumer complaint received 2019-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

Good afternoon, I checked my credit report 2 weeks ago and noticed 2 false collections accounts with a collection agency I never heard of or from. I disputed both accounts and was denied with no proof of this debt or any attempt to collect this debt. 
Both accounts are with Firstpoint Coll Resources for  {$330.00} for a visit to XXXX XXXX in XX/XX/2016, 3 years ago. I have paid all of my medical bills and have insurance. I also never received written notification or any communication about this debt. I do not owe this debt. 
The same company submitted another false account of {$91.00} for XX/XX/2016 as well. 
These are not debts I was ever notified of or given any proof of owing. Which is required by law. I have paid all medical debts and do not owe this debt. 
Thank you for your assistance in looking into this and disputing with this company.
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Franklin Credit Management Corporation (OH)

I recently went through a chapter XXXX bankruptcy that has completed and is being discharged in the next month. I have 2 loans on my home. One for XXXX and a smaller loan for XXXX through a company called XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I was instructed by the trustee in our chapter XXXX case to contact the mortgage company for future payments. I have done so, but they will not tell me what the balance is, what the payoff amount is, or anything else, they only give me the option to pay on their website, and have cussed at me and my husband on several different occasions, hung up on us, and refused to send any statements to my home. I have not received any correspondence from them over the last 5 years, and have requested it in writing 6 times now. Each time I have complied with what I am asked to do, and each time I am refused information on my mortgage loan. I'm starting to think that the loan may be paid in full by now. We paid XXXX in arrears, and XXXX in principal on the loan for a total of XXXX. I just want to know if I have a balance left so that I can pay it off in full, or if the loan is already paid in full, as the initial loan was only XXXX. I can't get a straight answer from their company, as soon as I give them my mortgage account number they either put us on hold, for 20 min., sometimes as much as 45 min. at a time ( hoping we'll hang up ) or get viciously nasty spewing expletives, and hang up on us for asking about the account. I'm very confused by this behavior, and just want to know if I owe anything more on the account, or if it's completed.My mortgage account number is There is one additional phone number for them. 
( XXXX ) XXXX ( Phone ) Thank you! 
XXXX XXXX
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

Distributions from XXXX to my XXXX at Suntrust going through transition to TRUIST, are inaccurate and do not agree with 1099r forms submitted by XXXX. Also, Suntrust merged my checking and XXXX account without my permission. They supposedly do not have records from XXXX to XXXX but I have records. 

Some of the checking disbursements can not be verified. 

Customer service does not exist. Even if someone answers a phone which is rare, they provide no assistance. There are many XXXX  complaints about the bank from BBT and Suntrust customers who merged with TRUIST. When they complete the transition by XX/XX/XXXX, the former records will not be available and it would be a travestry. 

We need assistance.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NM)

An inquiry from SYNCB National Credit Cards/Airlines, showed up on my credit report through XXXX XXXX. When I call or email regarding this, all I get is the run around or pushing it back onto the other company. I have never applied for XXXX XXXX for any medical bills, etc. 
XXXX XXXX tells you to contact the credit bureaus, but then XXXX tells you to contact Synchrony ....
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (SC)

I already filed one complaint and somehow the company answered and the complaint was closed. However, that is NOT the end of it. The company claims a certain amount was paid on the debt in XX/XX/2019, and that was NOT me that paid anything on a debt that was NOT mine.

I am now submitting another complaint, because this company is violating several different federal laws. First off, this should have never been listed on my credit. I was NEVER notified ahead of listing this debt on my credit.

They have not provided ANY proof of the debt.

They have NOT answered any of my written communication.

They say the debt was paid and closed, but WHO PAID IT. MAYBE WHO THE DEBT BELONGS TO.
Consumer complaint received 2017-06-26
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. (FL)

The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . Th is is not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.
Consumer complaint received 2019-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NJ)

I refer you to a previous complaint XXXX XXXX which is closed. XXXX from DiTech informed me that I would be reinstated into the HAMP program. I was not and am now in foreclosure. 
History : I recieved a modification from Green Tree in XX/XX/XXXX. After I signed the permananet modification, Green Tree raised my mortgage amount to my original payment without notice. The agreed upon payment I made was placed into a suspension account. GreenTree did not give me a reason. They said if I didnt make the increased payment I would be thown into the street by the sheriff. I did not make the increased payments since the payment was not the agreed to amount. I requested a HAMP modification. Ditech offered me a HAMP. Although I agreed to automatic withdrawals, Ditech did not debit the funds. When I would call to inquire, they advised me they could process my payment but it would cost {$12.00}, which I paid. I made another 8 payments waiting for a permanent modification agreement. In XX/XX/XXXX I recieved a " trial modification letter '' dated XX/XX/XXXX. I did not sign the permanent XXXX upon the advice of XXXX from XXXX who was investigating. In XX/XX/XXXX I signed the HAMP. Almost immediately I received a letter raisng my mortgage by $ XXXX/mo. I made one payment. I am now in foreclosure.
Consumer complaint received 2018-10-29
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. (CA)

I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX/XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-03-21
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. (IL)

I reviewed another copy of my credit report and noticed the following information regarding inquiries to be in error. The items listed are all unauthorized inquiries. They have pulled my credit report without my permission. I sent a dispute letter and a complaint letter to each company as well as XXXX and Trans Union credit bureau without receiving a response. Below are the dates and the name of the companies. XXXX XXXX on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I have not applied for a mortgage nor a car with this company. The unauthorized inquiries were not a result of an action that I took, such as applying for credit or financing or as a result of a collection. The inquiries shown on my credit report are not a factual record of the companies who have accessed and reviewed my profile and should not have logged onto my credit report. This activity should not remain on record. I want the inquiries off my credit report. I did not sign and request any credit for any of the four places listed above. I have contacted the companies and requested that they remove the inquiries from my credit report as they were unauthorized and are not able to verify that the inquiries were initiated by me .Also I have not received any responses from them for over 60 days now. Kindly investigate my claim per the Fair Credit Reporting Act. for the unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report at the address I provided.
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (MT)

XX/XX/2021, XX/XX/2021 Equifax mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.
Consumer complaint received 2019-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (DC)

I learned that a XXXX credit card had been opened in my name as a result of doing a loan application. I filled out and completed the fraud process and they notified me that whomever opened the account had made payments towards the balance and because this was irregular activity they were denying my claim. I submitted police reports and documents supporting that the account was not mine, and in fact opened in conjunction with other accounts via usesge of an ID I had lost, that I submitted even more documention from the XXXX, and they still denied the claim due to irregularities
Consumer complaint received 2019-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

XXXX has a collection account on my XXXX  credit report that was paid back on XX/XX/2016, I went to dispute this item to remove it from my credit report it came back not paid so I went to dispute this with them asking for them to prove that they own the debt to send me purchase agreement with a bill of sale or signed agreement with the original creditor then I ask for them to send me prove that I owe the debt like signed document they failed to comply to my request. I send them two certified letters and refuse to take it off my credit report. and they changed the account on credit report too.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXXXXXX XXXX with different balances, and CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISHCARGED
Consumer complaint received 2018-10-29
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: EQUIFAX, INC. (SC)

XXXX  Equifax and XXXX  continues to PARROT unverified inaccurate information on my CR. CFPB the attachments confirms these accounts are inaccurate and can not be verified. The reporting agencies identified are in violation of the FCRA. XXXX XXXX Reports charge off but performs a unrequested fraud investigation. I DID NOT REQUEST A FRAUD INVESTIGATION ON ANY ACCOUNTS THROUGH XXXX XXXX!
Consumer complaint received 2023-03-21
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX Balance {$9500.00}
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2022 tried again to get TransUnion credit report was informed that it was frozen due to incorrect input. It was reset password was provided. I was able to use temp password and changed password. When I logged in, I see my name no file number or credit report. I do a live chat with XXXX who states theres a report with all my info. I ascertained that Im in the correct website, confirmed by XXXX eservice.TransUnion.com and nothing. Now it will not enter site at all. So I had to call to annual credit report via telephone to get a written paper format of my report. Only TransUnion is giving me problems. XXXX and XXXX are on point.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have disputed the late payments on XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Harris & Zide (CA)

XXXX XXXX levied my savings of {$400.00}. Bank charged {$120.00} for levy. I called XXXX and paid them {$1600.00} to clear account. They said the levy on my savings account would be credited back to me. It has not been given back
Consumer complaint received 2018-10-26
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. (HI)

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (MN)

To TCI TOTAL CARD INC I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached
Consumer complaint received 2022-02-09
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. (CT)

My name is XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report immediately.
Consumer complaint received 2019-05-09
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. (WA)

Transunion is reporting an incorrect coding of XXXX partial account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 9 of  the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NH)

I have received over 330 calls from XXXX  XXXX  since I started keeping a log in XX/XX/2018 ( see attachment ). I have never done business with XXXX. I do not owe them any money. They are apparently trying to locate someone that I am not acquainted with ( one XXXX XXXX? ). Since they are trying to locate someone other than me I have not responded to them. 

OVER 330 CALL SINCE XX/XX/2018!
Consumer complaint received 2019-03-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Ive been disputing a late payment that I paid with Santander bank, they told me at first it was a teller error and they now have me down for a 30 day late thats effecting my credit. They say there going to call me and they dont, ive had them hang up on me, tell me there is no one else I can speak to in a higher position. Now as a result of this my credit has taken been dropped significantly.